Arthur Foreman is Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2012. He has over 25 years of experience in the financial services industry, including roles as Financial Consultant and Investment Representative at Fidelity Investments, as well as a Floor Trader at the New York Stock Exchange from 1997 to 2007. His expertise includes working with Fidelity's High Net Worth clients in areas such as retirement, income, and wealth planning. Arthur leverages his extensive experience to assist clients and their families in pursuing their financial goals.

Vladimir Zusman is a financial advisor at Raymond James Financial with 24 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Wells Fargo Advisors and Citibank. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans developed through risk profiling and asset allocation analysis.

Carrie Topel is a financial advisor at Cetera with 26 years of industry experience. She holds a Series 66 designation and has worked at Cetera Advisors LLC since 2013. In addition to her advisory role, she maintains a CPA firm, Topel & Silver CPAs, which has been operating since 1994. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Anthony Alfano is a CFP®-certified financial advisor with 12 years of industry experience, currently associated with Cetera. He has been with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Outside of his advisory role, Alfano volunteers with 3rd Decade, providing financial education to individuals who cannot afford professional advice. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and oversees over $256 billion in assets.

Michael McCabe is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He applies a goal and needs-based holistic approach to assist individuals, families, and businesses in pursuing their financial objectives. His work involves thorough planning conversations with clients and utilizing Fidelity's information, technology, and tools to support their financial success. Michael's strategy focuses on planning areas including investment planning, tax-efficient investing, income planning, and legacy planning considerations. Prior to joining Fidelity, he gained experience as a wholesaler and financial services education consultant at Allstate Financial Services from 2017 to 2021, served as a field sales associate at State Farm from 2014 to 2017, and worked as a registered representative at MetLife from 2009 to 2014. Outside of his professional role, Michael's personal interests include spending time at the beach, attending concerts, caring for pets, skiing, traveling, and practicing yoga.

Christopher Kostecki is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. Outside of his advisory role, he co-owns Vintage Moments LLC, a china tableware rental business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations through a non-discretionary approach supported by an in-house manager solutions team.

Anne Schnuriger is a financial advisor at Merrill with 30 years of industry experience. She has been with Merrill since 2013 and holds the Series 63 and Series 66 designations. Outside of her advisory role, she is connected to a family plumbing and heating business through her husband. Merrill provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional fiduciaries.

Richard Hagerty is a financial advisor with Ameriprise in Manasquan, NJ, holding a Series 66 designation and 26 years of industry experience. His prior experience includes ten years at UBS Financial Services and a year at Ameriprise Financial Services Inc. Outside of advising, he works part-time at The Atlantic Club, assisting members as floor staff. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals near or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations in partnership with its financial advisors.

Stacie Ann Lites is a financial advisor at Fidelity with eight years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Fidelity Investments since 2023. Her prior roles include positions at Allstate and Shipt Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies and its role as a commodity pool operator and advisor to multiple registered investment companies.

Keith Owitz is a financial advisor with Edward Jones in Holmdel, NJ, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2017 and also operates Owitz Consulting Services, LLC, which he founded in 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Mark Gavrilov is a financial advisor with Cetera, holding the Series 63 designation and 14 years of industry experience. His prior roles include seven years at LPL Financial and multiple positions within Cetera and its affiliated entities. He is also the owner of Gavrilov Wealth Management, a business operating under a Cetera DBA. Cetera Investment Advisers LLC is an SEC-registered adviser that delivers a range of portfolio management and financial planning services through a large network of independent advisors. The firm serves individual and institutional clients, offering access to both affiliated and unaffiliated investment managers via various program structures and custodial relationships.

Thomas Croom III is a financial advisor with Primerica Advisors in Tinton Falls, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Financial Services since 1991 and Primerica Advisors since 1989. Outside of advisory work, he is involved in sales of loan products and home security and automation referrals through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, employing BNY Mellon Advisors for model implementation and Pershing and Primerica Brokerage Services for custody and trade execution.

Patrick Gill is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked at McLanahan’s and has been involved with Penn State University and other organizations. He is active as a Sports and Social Committee Member for the Penn State Alumni Chapter in Center Valley, PA. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing a range of program sponsors and endorsed third-party managers to provide advisory and brokerage solutions.

Joseph Campi is a Series 66 licensed financial advisor with five years of industry experience, currently affiliated with Cetera. His prior experience includes a role at King Financial Network and involvement with Tower Garden Setup Services. Campi serves as co-chair of the Emerging Leaders Committee and participates in the Health and Wellness and Golf Committees at the Monmouth-Ocean Development Council. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, supporting both discretionary and non-discretionary accounts.

Nicole Adler Frigoletto is a CFP® professional with eight years of industry experience. She is currently with LPL Financial and also associated with River's Edge Wealth Partners. Prior to this, she worked at Wells Fargo for eight years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers diverse advisory programs, financial planning, and retirement plan consulting supported by proprietary and third-party research.

John Cornacchia is a financial advisor at Wells Fargo Advisors with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2009. Outside his primary role, he owns Cornacchia Wealth Management, LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a range of investment and fee-based financial planning services. The firm offers tailored recommendations supported by internal research and planning tools, with optional implementation across various brokerage and advisory programs.

Carolyn Anderson is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 65 licenses and 29 years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC for 12 years before joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Joseph Palone is a Series 66-licensed advisor at Merrill with 11 years of industry experience. He has been with Merrill since 2014. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Brian Patterson is a financial advisor with Equitable Advisors, holding a Series 66 credential and 26 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1998. Outside of his advisory role, Patterson is involved as a coach with the Ocean Surge Travel Baseball Association and owns Ascendancy Insurance Solutions LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage/insurance channels tailored to client goals and risk tolerance.

Lisa Handy Noonan is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 designations and possessing 39 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and has worked with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and modeling techniques.