Christine Matos is a financial advisor at UBS Financial Services with 17 years of industry experience. She holds the Series 66 designation and previously worked at Merrill for seven years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Nasir Jaffry is a financial advisor with Osaic, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior roles include positions at Woodbury Financial Services and Questar Capital Corporation. Outside of his advisory work, he is involved with RNZ Wealth Management Group, where he facilitates premium financing and sells fixed life insurance products. Osaic Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supporting various managed account strategies and third-party manager selections.

Courtney Cargill is a Series 66-licensed financial advisor with Ameriprise in Chesterfield, NJ, bringing 22 years of industry experience. She has been with Ameriprise and its related entities since 2005. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm employs a centralized consulting team that uses a combination of research, modeling, and tax analysis to deliver tailored, algorithm-supported recommendations, primarily for assets held within Ameriprise-managed accounts.

Donald Delmonte Jr. is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. His prior roles include positions at Lincoln Financial Distributors and Guardian Life. Outside of his advisory work, he serves on the Strategic Planning Committee for Medford Township Public School. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning that emphasizes dependable income sources and tax-aware withdrawal strategies through a centralized service team.

David Graham is a financial advisor with LPL Financial in Deptford, NJ, holding Series 63 and Series 65 credentials and 25 years of industry experience. His career includes roles at TD Wealth Management Services, PNC Wealth Management, Wells Fargo Clearing, and J.J.B. Hilliard, W.L. Lyons. Graham also operates several business initiatives under LPL Financial, including dc graham financial and First Harvest Investment Solutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized investment strategies.

Joseph Fermano is a financial advisor at OSAIC with 43 years of industry experience. He holds a Series 63 designation and has previously worked at firms including Securities America Advisors, SSN, Sorrento Pacific Financial, LPL Financial, and Ifmg Securities. Outside of his advisory work, he serves as Board Chair for St. Teresa Regional School in Runnemede, NJ, is a radio host, and is the author of a book featuring positive and inspiring quotations. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process with a range of portfolio management options and supports various account types and third-party manager programs.

Benjamin Smith is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His background includes roles at Kestra Investment Services, the University of Delaware, and the NVRHS School District. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of investment adviser representatives.

Sean Allen is a financial advisor at Raymond James & Associates with three years of industry experience. He holds the Series 66 designation and has previously worked at CoastalOne and Rowan University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jeffrey Pawlik is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1995. He also has a longstanding affiliation with Bank of America since 2013. Pawlik holds fiduciary power of attorney roles managing family-related responsibilities. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers various model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party portfolio management teams.

Brad Napoli is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has extensive experience in the financial services industry, having worked as an Investment Management Consultant at BlackRock from 2010 to 2019, a Financial Advisor at UBS Financial Services Inc from 2006 to 2010, and a Financial Advisor at Morgan Stanley DW Inc from 2003 to 2006. In his role, Brad focuses on understanding his clients both personally and professionally to help them work toward their financial goals with confidence. Outside of his professional career, Brad's interests include beach activities, family activities, fitness, food, golf, and traveling.

Sandra Stubbs is a Series 66-licensed financial advisor with 25 years of industry experience. She has been with Merrill since 2009 and previously worked at Banc of America Investment Services, Inc. from 2007 to 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Pisko Jr. is a financial advisor with Ameriprise in Voorhees, NJ, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Ian Scheidemann is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His career includes roles at Cetera, Avantax Advisory Services, and Barth Tax & Financial Services, where he remains active in tax and financial planning. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing a variety of investment strategies and tools alongside its extensive non-advisory financial activities.

Edward Bell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at UBS Financial Services from 2002 to 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics grounded in diversification principles and modern portfolio theory.

Peter Palazzo is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Ameriprise in Berlin, NJ. He has been with Ameriprise and its affiliated entities since 2013. Ameriprise provides retirement-income planning services tailored to individuals approaching or in retirement, focusing on clients with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations through a centralized consulting team.

Gabrielle Giannopoulos is a financial advisor at OSAIC with seven years of industry experience and holds a Series 66 designation. Her prior roles include positions at Lincoln Financial Advisors and Morgan Stanley. She also serves in a support role at Integrity 5 LLC, assisting registered representatives with trading and account management. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a wide range of financial planning, advisory, and brokerage services through a multi-advisor platform. The firm utilizes a model-based investment process with portfolio optimization tools and offers both discretionary and advisor-managed strategies, supported by a complex network of affiliated broker-dealers, asset managers, and other financial entities.

Joseph Abbruzzi is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 42 years of industry experience. He has previously worked at RBC Capital Markets, Janney Montgomery Scott, and UBS Financial Services. Outside of his advisory work, he is the owner of Abbruzzi's Italian Market in Mount Laurel, NJ. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing various portfolio strategies and operational tools.

Steven Ferrigno is a financial advisor at Ameriprise with four years of industry experience. He previously worked at Tiedemann Advisors and Clarivate Analytics and held positions at Drexel University’s College of Computing and Informatics and Drexel University between 2013 and 2018. He holds the Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through written recommendation reports and ongoing advice addressing income sources, withdrawal strategies, and Social Security options.

Kristen Hoey is a financial advisor at LPL Enterprise with Series 65 and Series 63 licenses and seven years of industry experience. She previously worked at Prudential Insurance Company of America and Pruco Securities, LLC, and has additional experience with Slack Incorporated and Camden County College. Outside of advising, she serves as an executor of an estate, managing fiduciary responsibilities. LPL Enterprise provides investment advisory and brokerage services to a diverse clientele, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal research and third-party strategists, and offers access to various financial planning and consulting services.

Alfred Nicolosi is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His prior work includes roles at Ameriprise Financial Services, Wells Fargo Clearing, and Waddell & Reed. In addition to his advisory work, he is an insurance agent affiliated with various carriers through W&R Insurance Agencies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.