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 at Primerica Advisors with Series 66, Series 63, and Series 65 licenses and 10 years of industry experience. His prior work includes positions at J Knipper & Co and Solix Inc. He also engages in sales of investment-related products and receives compensation for referrals of home security, automation products, and loan products through affiliated companies. Primerica Advisors sponsors and manages 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 entities. The firm operates at scale with thousands of advisors and billions in assets under management, utilizing model-based investment strategies overseen by external asset managers.

Joan Nilan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 21 years of industry experience. Her career includes positions at Morgan Stanley Smith Barney, Bank of America, Merrill, Wells Fargo Clearing, and Hornor, Townsend & Kent. Nilan is based in Cedar Grove, NJ. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by an extensive network of investment adviser representatives.

Johannes De Waal is a financial advisor at LPL Financial with one year of industry experience. He holds Series 65 and Series 66 designations and has previously worked at Mountain Creek, DCI Inc, and Stevens Institute of Technology. He is also involved with HJP Financial Group LLC, a business related to his work with LPL Financial. 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 services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad array of financial services.

Nancy Amalfitano is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 41 years of industry experience. She has worked at Linsco/Private Ledger Corp. since 2007 and previously spent five years at Citigroup Global Markets. Outside of her advisory role, she volunteers as co-chair of the Saddle River Valley Branch at Valley Hospital. 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 financial planning and investment management services, utilizing various strategies and technology to support its network of over 22,000 advisors.

Javier Bustamante is a financial advisor at Primerica Advisors with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Primerica Financial Services since 2011, with additional experience at Morris Tech Partners and AT&T. Outside of advisory work, he is involved in managing Captain Gambit Studios, LLC and works as a Lyft driver. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable organizations. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports accounts through BNY Mellon Advisors and Pershing custody services.

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 who holds a Series 63 designation and has 33 years of industry experience. His prior work includes positions at Allied Wealth Partners, Securian Financial Services, Minnesota Life Insurance Company, Langdon Ford Financial, and WS Griffith Securities. Outside of advising, he holds ownership or officer roles in several fixed insurance sales businesses. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party money managers across various program types and custodial relationships.

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.

Jesse Newman is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America in 2026, he worked at Equitable Advisors, LLC, InvestorFlow, Intralinks, and ATSG. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Joseph Rass is an adviser with LPL Financial holding a Series 66 designation and has been in the industry for less than one year. His prior experience includes roles at Northern Advisory Group and New Jersey Institute of Technology, as well as positions in education at multiple schools. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Manoda Chauhan is a financial advisor at Ameriprise with 27 years of industry experience. She holds a Series 63 designation and has been with Ameriprise and its affiliated entities since 2005. Chauhan serves on the Board of Directors for Willowcreek Home Owners and is Vice President and a Board Member of 7 Cross Meadows in Fair Lawn, NJ. Ameriprise is a large institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies, combining research, modeling, and tax-efficiency analysis in its retirement planning approach.

Robert Descherer is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and previously worked at MetLife Securities Inc. from 2015 to 2017. In addition to his advisory role, he is also an insurance agent specializing in individual and group life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements and offers programs including wrap accounts, money-manager options, and educational seminars.

Frank Gonnella is a Series 66-licensed advisor with Ameriprise in Randolph, NJ, having 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory role, he serves on the Board of Directors for the Orange/West Orange Chapter of UNICO National and is a board member of the Alberto Institute for Italian Studies. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations, supported by a centralized consulting team.

Jayson Decandia is a financial advisor at Mass Mutual Investors Services with 19 years of industry experience. He holds a Series 66 designation and has worked at Mass Mutual Investors Services since 2017, with prior experience at Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. In addition to his advisory role, he is an independent insurance agent and serves as a financial adviser for life settlements. 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 programs including money-manager options and educational seminars.

Mark Milano is a financial advisor at Cetera with 11 years of industry experience. He holds the Series 66 designation and has prior experience running Milano Financial Services, where he provides accounting, tax preparation, consulting, and research services. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management, financial planning, and retirement services through a large network of independent advisors and utilizes multiple program structures and third-party managers.

Laura Ingraffea is a financial advisor with Cetera, holding Series 65 and Series 66 credentials and bringing 30 years of industry experience. She has worked at Cetera and its related entities since 2005 and also operates as a CPA with over 40 years in accounting and tax services. Outside of her financial career, she serves as a volunteer emergency medical technician and treasurer for an EMS organization. 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 variety of portfolio management and consulting services through a multi-manager platform, supported by a nationwide network of over 10,000 advisors.