Vincent Lanfrank is a CFP® professional with 21 years of industry experience, affiliated with LPL Financial and The Astorino Financial Group, Inc. since 2004. He serves as treasurer for the nonprofit organization West Essex UNICO in Fairfield, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research support.

Shlomit Raviv is a financial advisor at Cetera with 12 years of industry experience and holds the CFP® and Series 66 designations. She previously worked with Allied Wealth Partners and Minnesota Life Insurance Company. Outside of advising, she is involved as a member in a service industry venture called The Wisenheimers. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to a multi-manager platform that includes affiliated and third-party model portfolios and flexible program options.

Hugo Carvajal is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously worked at MML Investor Services and MassMutual from 2008 to 2024. Outside of his advisory role, Carvajal serves as an officer for St. Michael's Basketball Association and Letip of Clifton, and he owns The Gemini and Scorpio Group 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 uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Brad Greenbaum is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 65 licenses, and has 31 years of industry experience. He has worked with multiple firms, including Altigro Retirement Services and Fairfield Benefit Associates, and has been involved in actuarial consulting, fiduciary training, and financial services through various business roles. He also contributes as an exam writer for FI360’s Accredited Investment Fiduciary (AIF) exam. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, using a multi-manager platform that includes affiliated and third-party model portfolios and bespoke strategies.

Derrick Ossi is a Series 66 licensed financial advisor with nine years of industry experience. He is currently with OSAIC and has previously worked at SagePoint Financial, LPL Financial, MassMutual, MML Investors Services, Guardian Life, and Northeast Planning. In addition to advisory work, he is an insurance agent at EBNY Insurance Services. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage diversified portfolios, while supporting multiple advisory platforms and transitions from prior mergers.

Stephen Scuttaro is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds a Series 66 designation and has worked at MML Investors Services, LLC and MassMutual Life Insurance Company since 2022. His prior experience includes roles in real estate investment and the food service industry. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning programs and educational seminars, utilizing firm-approved tools to deliver written recommendations tailored to client goals.

Aleksandar Matovski is a financial advisor at OSAIC with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Woodbury Financial Services, Bank of America, Merrill, and Morgan Stanley. Outside of his advisory role, he is involved in several real estate investment ventures and serves as a commercial loan originator and referral partner for human capital management services. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Christine Frole is a Series 66 licensed financial advisor with Ameriprise, based in Newton, NJ. She has 21 years of industry experience, including over 15 years with Ameriprise and its affiliated entities. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing detailed recommendation reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and advisory expertise delivered through a centralized consulting team to support clients approaching or in retirement.

Li Pan is a financial advisor with Merrill in Montville, NJ, holding Series 63 and Series 66 designations and eight years of industry experience. Prior to Merrill, Li Pan held roles at NYLIFE Securities, New York Life Insurance Company, and Transamerica, and was involved with Sweet Basil Technology LLC and the Livingston HuaXia Chinese School. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Lauren Nassau is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. She has been with LPL Financial since 2009. Nassau also engages in non-variable insurance brokerage through Ash Brokerage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement consulting, supported by research and diversified investment strategies.

James Whelan is a financial advisor with Cetera who holds a Series 66 designation and has eight years of industry experience. His career includes roles at Cetera Wealth Services, Allied Wealth Partners, and Securian Financial Services. He also worked at Corporate Jet Support and attended Franklin and Marshall College. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and multiple program structures.

Alae Jaber is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 65 credentials and has 15 years of industry experience. Prior to joining J.P. Morgan in 2021, he worked at PNC Investments for nine years. In addition to his advisory role, he is involved with LNY Ice Cream LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Joshua Beekman is a financial advisor with Ameriprise who holds a Series 66 designation and has 20 years of industry experience. He has been with Ameriprise Financial Services since 2007 and currently manages his Ameriprise business through JDB Associates LLC. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning advice and written Recommendation Reports, focusing on dependable income sources and tax-aware withdrawal strategies.

Reyhan Lalaoui is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, Reyhan held roles in various organizations including Jersey City Municipal Court and Writers House. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs.

Jay Dewan is a financial advisor with Morgan Stanley in Little Falls, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that employs structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Michael Kostecki is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its affiliates since 2009. Outside of his advisory role, he owns and operates a dog shampoo business called Kos Supply Group LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through various platforms, including specialized groups for estate planning.

Jasmeet Kaur is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since 2016 and 2017, respectively. Outside of her advisory role, she is involved with Literacy Volunteers of America and New Community Corp. Primerica Advisors primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm sponsors a wrap-fee asset management program that uses model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Griffin Durand is a financial advisor at LPL Financial with six years of industry experience. He holds the Series 66 designation and has held positions at firms including OSAIC, American Portfolios Financial Services, Equitable Advisors, and Gilman Ciocia. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing model portfolios and research from multiple sources.

Todd Werling is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Trusted Wealth Financial, Financial Principles LLC, and Securities America, Inc. Outside of his advisory work, Werling volunteers as a coach for youth basketball and baseball in West Caldwell, NJ, and is involved in a mobile wood-burning pizza catering business. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, advisory, and financial planning services. The firm utilizes asset-allocation tools and multiple advisory platforms to construct diversified portfolios and supports a variety of third-party managed-account solutions.

Frank Cangelosi Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 34 years of industry experience. His prior experience includes roles at Cetera, Insurance Foundation Group, and operating the Cangelosi Agency LLC. He is also associated with an insurance agency in Hawthorne, NJ. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a wide network of representatives. The firm offers various advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-supported investment strategies.