James Zimmermann is a financial advisor with Equitable Advisors in New York, NY, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Equitable Advisors, he worked at Edward Jones and operated a law office under his own name. Outside of finance, he has worked as a delivery driver for InstaCart. 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 employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Jill Cooper is a CFP® professional at OSAIC with 32 years of industry experience. She has worked with Sagepoint Financial, Inc. and Risk Wealth Retirement Advisors before joining OSAIC. Outside of her advisory role, she is a member of JBC Consulting LLC, which provides group and individual insurance sales, and serves as an administrator for MD Partners Inc., assisting with office administration and insurance questions. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services along with access to third-party money managers and diversified investment options.

Fred Harraka is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience, all with MassMutual Life Insurance Co and Mass Mutual Investors Services since 2023. Outside of financial advising, Harraka owns and operates multiple dry cleaning businesses, including Westside Cleaners and Fred's Corporate Cleaners. MassMutual 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 emphasizes collaborative, software-supported planning and offers specialized event-driven planning programs.

Malcolm Lett is a financial advisor at Primerica Advisors with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with PFS Investments Inc. and Primerica Financial Services since 2008. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers 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 uses a tiered wrap fee structure, with trading and custody services provided by Pershing and Primerica Brokerage Services.

Matthew Clancy serves as Vice President, Financial Consultant, bringing over 30 years of experience in the financial services industry. In his current role, he collaborates closely with clients to understand their unique goals and develop personalized financial strategies through a comprehensive planning process. He emphasizes educating clients and simplifying complex financial concepts to support informed decision-making. His professional experience includes positions at Fidelity Investments from 2015 to 2023, serving as Financial Consultant, Investment Consultant, and Central Relationship Manager. Prior to that, he held leadership roles at AllianceBernstein and Sanford C. Bernstein & Co. Inc., where he managed client reporting and portfolio administration functions. Matthew holds a California Insurance License. Outside of his professional work, he has interests in biking, fishing, golf, soccer, and traveling.

John Kelly is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written 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 through a centralized consulting team.

Mary Ann Abida is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in developing personalized financial strategies that evaluate the overall financial health of families, including wealth management planning, asset preservation, retirement income stream creation, and tax liability alleviation. Mary Ann focuses on guiding clients through financial changes and uncertainties to help achieve their financial goals for themselves and future generations. She holds a Master's Degree from the University of Phoenix, a Bachelor's Degree from Montclair State University, and a Certificate in Financial Planning from NYU School of Professional Studies. Mary Ann has earned several professional designations including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is multilingual, speaking English, Circassian, and Arabic. In addition to her professional work, Mary Ann is involved with community organizations such as the Circassian Benevolent Association and delivers financial empowerment workshops to various groups. She supports organizations including Doctors Without Borders, Humanity for Relief and Development, International Rescue Committee, and World Central Kitchen. Her personal interests include cooking, football, golfing, music, reading, soccer, spending time with family, swimming, traveling, and yoga.

Eric Mercado is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work history includes roles at Bank of America and Northwell Health Labs, as well as twelve years at Zadies Bake Shop. 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, and institutional investors. The firm is integrated into Bank of America’s broader platform, enabling access to a wide array of products and services.

Veniamin Malakh is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over 20 years of industry experience. His work history includes roles at Zahav Financial Inc. and Cetera Financial Specialists LLC. Outside of advising, he owns TAXBIX PRO LLC, a tax practice, and serves as a volunteer trustee handling bank reconciliation and tax return preparation for the Beer Itzchak Foundation, a nonprofit public charity. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting both discretionary and non-discretionary account structures.

David Samuel is a financial advisor with Primerica Advisors, holding Series 63, 65, and 66 licenses and bringing nine years of industry experience. His prior experience includes roles at Solix Inc and J Knipper & Co. He also engages in part-time sales of home security, automation products, and loan referrals through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors along with corporate and charitable clients, offering model-driven investment strategies supported by third-party managers and custodial services.

Joan Nilan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 21 years of industry experience. Her prior experience includes roles at Morgan Stanley Smith Barney, Bank of America, and Merrill. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, and institutional clients through a broad network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, supported by model portfolios, research, and various portfolio management options.

Johannes De Waal is a financial advisor at LPL Financial with Series 65 and Series 66 credentials. His career includes roles at DCI Inc, Mountain Creek, and Stevens Institute of Technology. He began his advisory work with LPL Financial and HJP Financial Group LLC in 2025. 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 various financial planning and advisory programs, including discretionary and non-discretionary management, supported by model portfolios and research from multiple sources.

Nancy Amalfitano is a financial advisor with LPL Financial in Mahwah, NJ, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. She has worked with Linsco/Private Ledger Corp. since 2007. Outside of advising, she volunteers as co-chair of the Saddle River Valley branch of Valley Hospital. 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 representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Javier Bustamante is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 14 years of industry experience. His prior roles include positions at Morris Tech Partners and AT&T. Outside of advisory work, he is involved in managing Captain Gambit Studios, LLC and has worked as a Lyft driver since 2017. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure, emphasizing a range of strategic and tax-aware investment models.

Walter Janeczek is a Series 66 registered financial advisor with Edward Jones, based in Franklin Lakes, NJ. He has 16 years of industry experience and has been with Edward Jones since 2009. Outside of his advisory role, he is associated with Cascade Medical Enterprises LLC, a medical device business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Lewie Soaivan is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with PFS Investments Inc. since 2012 and Primerica Financial Services since 2010. In addition to his advisory role, he is involved in the sale of loan products and home security services through affiliated companies. Primerica Advisors offers 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 uses a tiered wrap-fee structure for its services.

Marc Delgaudio is a financial advisor with Cetera, holding a Series 63 designation and over 32 years of industry experience. His prior work includes roles at Securian Financial Services and Minnesota Life Insurance Company, spanning nearly two decades. Outside of his advisory work, he is an officer at Langdon Ford Financial Inc., a business owner with responsibilities beyond investment services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting a large network of advisors and managing substantial assets.

David Schrader is a financial advisor with Ameriprise in Wayne, NJ, holding Series 63 and Series 65 credentials and 28 years of industry experience. He previously worked at Merrill from 2008 to 2017 before joining Ameriprise Financial Services, Inc. and subsequently Ameriprise. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to generate personalized recommendations, delivered through a centralized consulting team in partnership with financial advisors.

Howard Genden is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 31 years of industry experience. His career includes roles at Cetera Wealth Services, North Ridge Securities Corp., and American Portfolios Financial Services. He is also involved in insurance sales and owns Pace Financial Services and POHS Institute. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management and financial planning services. The firm operates a multi-manager platform offering model portfolios, third-party managers, and bespoke strategies, overseeing more than $256 billion in assets through a large network of advisors.

Rene Delgrosso is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Primerica Financial Services since 1991 and Primerica Advisors since 1989. Outside of his advisory role, he is involved with Pushing Up People, Inc., a business formed for Primerica purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.