Danielle Veloso is a financial advisor with LPL Enterprise and holds a Series 66 designation. She has seven years of industry experience, including five years at Pruco Securities, LLC, and currently manages The Garback Agency, which handles payroll, bookkeeping, and vendor management. LPL Enterprise, LLC provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Michael Sosa is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. He has worked with Cetera and its affiliated entities since 2020. Outside of advisory work, Sosa serves as Director of Treasury at Proximo Spirits, Inc., where he is involved in tax and corporate projects, and he operates a tax preparation service through Premier Financial Group, LLC. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through multiple program structures, with over $256 billion in assets under management and more than 10,000 advisors.

Jeffrey Ball is a financial advisor with RBC Capital Markets in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs, providing portfolio management, financial planning, custody, and brokerage services tailored to each client’s Advisory Risk Profile.

Ashley Gunther is a financial advisor at LPL Enterprise with Series 66 credentials and two years of industry experience. Prior to joining LPL Enterprise in 2025, Gunther worked at Truist Advisory Services Inc., Truist Investment Services Inc., Truist Bank, BB&T Bank, and PNC Bank. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Ronnie Critelli is a Series 66-credentialed financial advisor with 24 years of industry experience. He is currently with Wells Fargo Advisors in Red Bank, NJ, having previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his financial career, he serves as a soccer referee in Old Bridge, NJ. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and develops tailored recommendations using proprietary research and tools, delivering these through meetings and written client summaries.

Kenneth Shine is a financial advisor with Ameriprise, holding a Series 63 designation and 35 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support its clients and emphasizes the use of Ameriprise-managed accounts within its advisory approach.

Kseniia Kairelshtein is a financial advisor at Raymond James & Associates with nine years of industry experience. She holds a Series 66 designation and has worked previously at Morgan Stanley and Citibank N.A. 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 municipal entities, providing tailored financial planning and consulting services through various portfolio management styles and affiliated research.

Jeffrey Langer is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs delivered through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory solutions.

Saji Philip is a financial advisor with LPL Financial in Princeton, NJ, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He previously worked at Ameriprise Financial Services and Equitable Advisors. Outside of his advisory role, Philip is a business owner of Growing Stars, Inc., an online tutoring service. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives and advanced operational tools.

Kennedy Crossan is a CFP® professional with 25 years of industry experience, currently affiliated with OSAIC in Red Bank, NJ. He has worked at Royal Alliance since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he owns TFP Partners, LLC, which manages vendor contracts, and is a partner at Prime Wealth Partners, a firm that sells and services fixed insurance products including long-term care, disability, life, and health insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a robust selection of portfolio management tools and access to third-party money managers.

Armando Krusell is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. Prior to joining LPL Enterprise, he worked at TD Bank N.A. and Dicks Sporting Goods and was a full-time student for eight years. He is also involved in a non-variable insurance business in Hopelawn, NJ. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Alessandra Panagos is a CFP®-certified financial advisor with four years of industry experience. She is currently with Cetera and also works as an assistant at Jack Oujo CPA, Inc dba Oujo Wealth Strategies, supporting tax and retirement planning services. Her previous experience includes roles at Avantax and Fidelity Investments. Cetera Investment Advisers LLC is a nationwide firm serving individuals, employer-sponsored 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 $256 billion in assets under management and more than 10,000 advisors.

Holly Marcin is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. She has worked at Charles Schwab since 2019 and was previously employed at Abel HR for one year. Prior to her career in finance, she was a homemaker for over two decades. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm provides both non-discretionary and discretionary investment options, supported by strategic asset allocation models and centralized operational infrastructure.

Stephen Hawthorne is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. He has worked at firms including Allied Wealth Partners and Securian Financial Services and currently operates Hawthorne Wealth Management LLC, a separate expense management business. Hawthorne also serves as the Youth Advisor Training Chair for NAIFA New Jersey and holds a volunteer secretary position with the National Association of Insurance and Financial Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Justin Tansey is a financial advisor with Primerica Advisors in Freehold, NJ, holding Series 63 and Series 65 licenses and bringing four years of industry experience. He has worked at Primerica Advisors since 2022 and previously at AllDigital Specialty and Fairleigh Dickinson University. Outside of advising, Tansey is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based investment strategies managed by third-party asset managers and operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Ryan Aiello is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked within various Wells Fargo entities since 2013, including Wells Fargo Advisors and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory services supported by research from Wells Fargo Investment Institute and third-party sources.

Christopher Donnelly is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked within the Wells Fargo organization since 2009, previously with Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services through a network of advisors, utilizing proprietary research and planning tools to provide tailored recommendations.

Wayne Brannan is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 66 credentials and possessing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from its Wells Fargo Investment Institute.

Stuart Hoch is a financial advisor with OSAIC, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 38 years of industry experience, including 22 years at Lincoln Financial Advisors Corp. prior to joining OSAIC in 2025. Outside of advisory services, he provides individual and group health products. OSAIC serves a diverse client base including retail and institutional investors and offers a range of advisory and brokerage services. The firm employs various portfolio construction tools and supports multiple managed account platforms, combining in-house and third-party resources.

Scott Bernstiel is a financial advisor with Raymond James Financial Services Advisors, Inc. in Windsor, NJ, holding Series 63 and Series 66 licenses with 31 years of industry experience. His prior roles include positions at Capital Analysts, Lincoln Investment, Kennedy Investment Group, and DWS Distributors. Outside of advisory work, he serves as Treasurer and Bookkeeper for Notre Dame High School Lacrosse, overseeing financial supervision. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning, investment consulting, and advisory services to a wide range of clients including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and maintains specialized programs in municipal advisory and employer SIMPLE IRA consulting.