Jason Grosso is a financial advisor at Ameriprise with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Wells Fargo Clearing Services. Outside of his advisory role, he is also employed at GenFocus Wealth Advisors, where he manages an advisory business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendations and annual reviews focused on dependable income and tax-aware withdrawal strategies. The firm’s approach relies on investment research and algorithmic analysis within a structured product ecosystem and applies restrictive enrollment criteria based on investable assets.

Joseph Hughes is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds Series 63 and Series 65 designations. His prior work history includes positions at The Prudential Insurance Company of America and Energy People Federal Credit Union. Outside of his advisory role, he is involved in property and casualty insurance sales as an agent with Creative Risk Management and works as a broker for fixed annuities at Madison Brokerage. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, focusing on collaborative, annual planning engagements that utilize firm-approved analytical tools.

John Dinisio Jr. is a financial advisor with Charles Schwab, holding a Series 66 designation and 12 years of industry experience. He has been affiliated with multiple Charles Schwab entities since 2009, including Charles Schwab Bank and Charles Schwab Premier Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset investment approach supported by research and centralized operational resources.

Thomas Jones is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 designation and previously worked at Harbour Master Diversified Financial Services, Investment Advisors Asset Management, LLC, and OSAIC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutional clients. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Charlie Winchock is a financial advisor at OSAIC with six years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for five years and has held roles at firms including Al Funk Tax Accountant and Gunnip & Company. Outside of advisory work, he is involved in a fixed insurance business. OSAIC serves a diverse clientele ranging from individual investors to institutional clients, offering integrated brokerage and advisory services supported by a wide range of financial tools and third-party platforms.

Stephanie Tocco is a Series 66-credentialed financial advisor with Ameriprise in Voorhees, NJ, bringing 23 years of industry experience. She has been with Ameriprise and its affiliated entities since 2003. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Michael Maresca is a Financial Consultant currently working at Fidelity Investments since 2023. He focuses on helping clients achieve their financial goals through collaborative financial planning and strong communication. He has professional experience spanning over a decade, including roles as a National Financial Solutions Advisor at Merrill Lynch from 2017 to 2023 and as a Financial Consultant at AXA Equitable from 2013 to 2017. Outside of his professional career, Michael has interests in baseball, fitness, food, football, golf, and parenthood.

Philip Stern is a CFP® professional with 33 years of industry experience. He is currently with LPL Financial, having joined in 2024 after 26 years at Lincoln Financial Advisors. Stern is co-owner of Resource Group LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management options, supported by technology and a broad network of investment adviser representatives.

Jennifer Lingad is a financial advisor with LPL Financial in Cherry Hill, NJ, holding a Series 66 designation and three years of industry experience. She has been with LPL Financial since 2017, following nine years at Verizon Wireless. 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 variety of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors.

Christopher Cudeyro is a financial advisor with OSAIC and holds a Series 66 designation. He has five years of industry experience, including prior roles at JPMorgan Securities and Merrill. He is also licensed as an insurance producer, assisting with the sales and service of fixed insurance and annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services utilizing asset-allocation tools, risk assessment, and multiple portfolio management platforms.

Aaron Dilliplane is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and four years of industry experience. His work history includes roles at Thrivent Financial and the Japan America Society of Greater Philadelphia. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on topics such as retirement, estate, and tax planning through a network of financial advisors. The firm combines goal-based analyses with client information and offers integrated planning and managed-account services under its WealthPlan program.

Yichen Hua is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has previously worked at Kevin Hughes CPA, Morgan Stanley, and China Securities International. Hua’s background also includes roles in education at Temple University, Chongqing Technology and Business University, and Hainan Overseas Chinese Middle School. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement income recommendations through a centralized consulting team.

Ronald Goldberg is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 43 years of industry experience. He has worked with Pinnacle Wealth Advisors, LLC and Guardian Life Insurance Company, in addition to his long tenure at Cetera. He is a part owner of Pinnacle Wealth Advisors, LLC, a financial services firm. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and multiple program structures.

Steven Cohen is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Jason Schum is a financial advisor with Ameriprise in Pennsauken, NJ, holding Series 63 and Series 65 licenses and eight years of industry experience. He has worked at Ameriprise Financial Services LLC since 2021 and previously at Equitable Advisors, Axa Advisors, LLC, and with Dr. Yelena German. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations, with an emphasis on assets held in Ameriprise-managed accounts and the use of algorithmic automation overseen by a specialized committee.

Erik Lure is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 28 years of industry experience. He previously worked at Securities America Advisors and National Planning Corporation. Outside of his advisory role, he is involved in life insurance sales through AFR Financial Group. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering a range of brokerage and advisory services supported by advanced asset-allocation tools and third-party investment solutions.

Michael Miller is a CFP®-designated financial advisor at OSAIC with 15 years of industry experience. He previously worked for Lincoln Financial Advisors for 10 years before joining OSAIC in 2025. Outside of his advisory role, he is employed at Integrity 5 LLC, supporting registered representatives by managing operations and administrative tasks. OSAIC serves a diverse client base ranging from individual investors to institutional and charitable organizations, offering integrated brokerage, advisory services, and access to third-party money managers. The firm employs a range of asset-allocation and portfolio management tools and supports both discretionary and non-discretionary account management.

Scott Lerner is a financial advisor with Morgan Stanley in Marlton, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2007. Outside of his advisory role, he performs as a freelance guitarist with the Wildflower Band several times per month. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of financial advisors and specialized planning groups.

Ronald Donato Jr. is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Cetera since 2025. He has held prior roles at Avantax Investment Services and 1st Global Advisors among others. He is also a director of financial services at Alloy Silverstein Financial Services, Inc. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a broad range of portfolio management and retirement services across various program structures and custodial relationships.

Jason Sobin is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Raymond James & Associates, Citigroup Global Markets, UBS Financial Services, and Merrill. He is currently based in Marlton, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized estate planning groups.