Joseph Francis Jr. is a financial advisor with Primerica Advisors in Plainsboro, NJ, holding Series 63 and Series 65 licenses and having two years of industry experience. He has worked at Primerica Advisors since 2023 and Primerica Financial Services since 2022, alongside a long-term role at the Department of Children and Families since 2013. Outside of advisory work, he is an independent contractor for Beach Boss Influencers, a marketing business. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm employs a tiered wrap fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Christine Fredericks is a financial advisor with Ameriprise, holding a Series 66 designation and 13 years of industry experience. She has been with Ameriprise and its affiliated entities since 2017 and previously worked at Sandra Dalton. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice, supported by algorithmic automation and a centralized consulting team.

Joseph Dovidio is a financial advisor with Ameriprise in Trenton, NJ, holding Series 63 and Series 65 designations and 29 years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing detailed written Recommendation Reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized service that supports advisors and emphasizes the use of Ameriprise-managed accounts and affiliated investment products.

Alison Longley is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2017, she worked at TPG Direct, LLC from 2014 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Ursula Whitehurst is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. Her career includes roles at PFS Investments Inc. and Primerica Financial Services, as well as teaching positions in the New Jersey public school system. She is also a tutor and owner of Series 65 Interact, a non-investment related tutoring business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients primarily via a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Jeffrey Condit is a financial advisor at Merrill with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 1983, also working at Bank of America since 2011. He serves as a trustee for the nonprofit organization Beat the Streets – New Jersey, coordinating a program that combines tutoring with wrestling for middle school students. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Paul Nader is a financial advisor with Ameriprise in Freehold, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he oversees a small business, Paul Nader & Associates LLC, which is used primarily for payroll management. Ameriprise offers retirement-income planning services focused on clients nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency strategies to provide tailored, non-discretionary retirement recommendations, supported by a centralized consulting team and algorithmic tools.

David Marabella is a Planning Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity since 2022, initially serving as an Investment Consultant until his current appointment. With 20 years of experience in the financial services industry, David has held various positions including Senior Relationship Manager at Clark Capital Management Group from 2016 to 2021, and Vice President as well as Associate in the Capital Advisory Group at Lazard Asset Management between 2005 and 2016. His expertise involves partnering with investors to understand their individual values, needs, goals, and objectives, emphasizing the creation of personalized financial plans. Further information regarding his education, credentials, personal interests, or community involvement is not provided.

Joseph Porchetta is a Financial Consultant at Fidelity Investments, where he currently applies Fidelity's financial planning resources to develop strategies aimed at protecting and growing clients' wealth. He collaborates with clients and families to create tailored financial plans. He has extensive experience in the financial services industry, having held roles including Investment Consultant at Fidelity Investments from 2023 to 2025 and Institutional Financial Broker at BGC Partners from 2011 to 2023. This background provides him with a seasoned perspective in building long-term client relationships. Further details regarding his education, credentials, personal interests, or community involvement were not provided.

Edie Kelly is a financial advisor with LPL Financial in Princeton, NJ, holding a Series 66 designation and 16 years of industry experience. She has been with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services.

Michael Volini is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 14 years of industry experience. His prior roles include positions at American Portfolios Financial Services and Santander Securities. He also owns an expense management business and provides fixed insurance products as an insurance agent. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Lawrence Metzger is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior roles include positions at TD Ameritrade and Charles Schwab Bank. Outside of his advisory work, he serves as a licensed USCG captain on weekends for a charter boat business operated by his family. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wrap fee programs, managed accounts, and financial planning services through an integrated platform that combines brokerage, advisory, and custody functions.

Leonard Cohen is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, focusing on structured financial planning supported by firm-approved tools and broad investment capabilities.

Said Abouomar is a CFP® professional with over 31 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at Buckman And Reid and Private Portfolio Partners, where he also provided investment advisory services through his independent firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by in-house and third-party research.

Michael Christian is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and nine years of industry experience. He has been with Primerica Financial Services since 2017 and Primerica Advisors since 2018. Outside of advisory services, he is involved in referrals for home security and automation products through a Primerica affiliate. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Moshe Green is a financial advisor with XYPN Sapphire in Jackson, NJ. He holds a Series 65 designation and has been a student since 2016. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm employs a long-term, risk-based investment approach using diversified portfolios and integrates adviser-tailored plans with oversight of AI tools and emerging digital-asset management programs.