Mario Sicari is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 66 licenses, and has 33 years of industry experience. His prior roles include extensive involvement with BGS Assurance LLC and M&M Associates, among others. Outside of advisory work, he is engaged in motivational speaking for college students and high school graduates, and co-owns a tax planning and bookkeeping firm serving small businesses. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform to over 10,000 advisors nationwide. The firm serves individual, corporate, charitable, and institutional clients through a range of portfolio management, financial planning, and retirement services, utilizing both discretionary and non-discretionary strategies.

Eric Aiello is a Wealth Management Advisor and Senior Vice President with the RLA Group at Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Eric focuses on providing comprehensive financial advice with an emphasis on investment and portfolio management for high net worth individuals, foundations, and corporate retirement plans. With over 22 years of experience, Eric collaborates closely with clients to develop investment strategies tailored to their financial goals, including family wealth management, legacy planning, personal retirement planning, and retirement income. As a member of the RLA Group, he is committed to building long-term relationships based on trust, helping clients prepare for significant life events such as retirement and generational wealth transfer. Eric earned a Bachelor of Arts degree from Gettysburg College and a Master of Business Administration from Iona College. Outside of his professional role, he enjoys spending time with his wife Daniela and their children, Marco and Kara.

Dawn Parrino is a financial advisor at Fidelity with over 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked within various Fidelity entities since 2010, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Outside of her advisory role, she is a certified Holistic Health Coach and is involved in essential oils distribution as a member of Young Living. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, often employing affiliated or unaffiliated sub-advisers and maintaining oversight controls to address conflicts of interest.

James Puckett is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 1998. Outside of his advisory role, he is a chemistry tutor and an adjunct instructor at Assumption College for Sisters. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Theresa Carmagnola is a financial advisor at Cetera with 24 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services and Summit Financial Group. Outside of her advisory role, she is co-owner and vice president of a restaurant business in New Jersey. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with both affiliated and third-party investment options.

Kevin Mahoney is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he is a partner in an LLC that manages rental real estate. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and investment consulting through a variety of strategies, supported by extensive research and an affiliated advisory network.

Barry Hess is a financial advisor at Ameriprise with 44 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliated entities since 2011. Hess is based in Wyckoff, NJ. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports, with a focus on assets held in Ameriprise Managed Accounts.

Michael Macieira is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His prior roles include long-term positions with Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved with Roman Insurance Agency Inc., where he sells and services property and casualty insurance products. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance services through affiliated entities.

Michael Delcalzo II is a financial advisor with J.P. Morgan Securities in West Orange, NJ. He holds Series 63 and Series 66 licenses and has six years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, as well as prior positions in mortgage and financial services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Phillip Shetsen is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at Prudential Insurance Company of America and Pruco Securities, LLC prior to joining LPL Enterprise. Outside of his advisory role, he operates Bona Vita Benefits Group, providing consultative solutions for individuals and business owners. LPL Enterprise serves a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers services such as financial planning, access to third-party asset managers, and participation in wrap programs.

Theresa Kohles is a financial advisor with LPL Financial in Hackensack, NJ, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. Her career includes prior roles at Private Portfolio Partners, LLC and Guardian Life. She is a partner at ABT Associates, where she is involved in tax preparation, accounting, and bookkeeping. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Jae Oh is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at Prudential Insurance Company of America since 2004 and was affiliated with Pruco Securities, LLC for 20 years. Outside of advisory services, he is involved in the sale of property and casualty insurance business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through an extensive network of investment adviser representatives.

Patrick Mannion is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he was involved with Ridgewood Party Rental and has held roles at Bucknell University and Ridgewood Country Club. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs that include tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that combine broad retail and institutional investment capabilities.

Charlene Sasso is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 designations. She has 12 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists.

Owen Corry is a financial advisor at OSAIC with one year of industry experience. He holds the Series 66 designation and has worked at Janney Montgomery Scott and the New Jersey Institute of Technology among other roles. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services and utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes.

Joseph Saccomanno is a financial advisor with Equitable Advisors in Saddle Brook, NJ, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Equitable Advisors since 2009, including time under the AXA Advisors name prior to rebranding. 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 asset management programs through a network of Investment Adviser Representatives, utilizing a combination of firm-offered programs and referrals to third-party asset managers.

Michael Koskuba is a financial advisor at LPL Financial with 26 years of industry experience. He has previously worked for Victory Capital Advisers and Victory Capital Management for 22 years. 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 offers a range of financial planning and portfolio management services, utilizing both proprietary and third-party investment strategies across discretionary and non-discretionary accounts.

Peter Tuffy is a financial advisor with Ameriprise in Yonkers, NY, holding Series 63 and 65 licenses and bringing eight years of industry experience. He has been with Ameriprise since 2016 and also operates Tuffy & Associates, a business active since 2003. Outside of his advisory roles, he is involved in fiduciary activities and serves as an agent named in a health care directive or living will. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm provides written, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis, combining automated algorithms with oversight from a dedicated retirement income consulting team.

David Colin is a CFP®-credentialed financial advisor with 17 years of industry experience. He has worked at Raymond James & Associates since 2020 and previously spent 10 years at UBS Financial Services. Outside of his advisory role, Colin serves on the Emerson Shade Tree Commission. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services through non-discretionary relationships supported by comprehensive research and multiple portfolio management approaches.

Christine Contursi is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and proprietary planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.