Kyle Lustenberger is a financial advisor at UBS Financial Services with 16 years of industry experience. He has been with UBS since 2016 and holds the Series 63 and Series 66 designations. Outside of his advisory work, he and his wife own and manage a personal vacation home in Rancho Mirage, California. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Susan Sandman is a financial advisor with Ameriprise in Somerville, NJ, holding a Series 66 designation and with 24 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Andrea Horowitz is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Wells Fargo Clearing since 2016. In addition to her advisory role, she serves as a FINRA arbitrator, analyzing and arbitrating industry complaints. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 financial advisors.

Joseph Prorok Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His career includes multiple tenures at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as a period at Octavian Capital Partners LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Gail Miller is a financial advisor with Wells Fargo Advisors, holding a Series 63 designation and over 42 years of industry experience. She has worked at Wells Fargo Advisors since 2022 and was previously with Wells Fargo Clearing and Morgan Stanley DW Inc. Miller is a 50% owner of Miller Wealth Managers, LLC, a financial practice based in Hackensack, NJ. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services tailored to clients who meet a net-worth threshold. The firm provides various specialized planning services and integrates advisory offerings with other financial products and referral channels.

John Hanson is a Series 66 licensed financial advisor with nine years of industry experience, currently with UBS Financial Services since 2019. Prior to UBS, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2016 to 2019. Outside of his advisory work, he serves on the board of Rigging Consultants, Inc., a privately held company specializing in suspended scaffolding rental and sales. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, blending institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Timothy Kenyon is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 41 years of industry experience. He previously worked at Triad Advisors, GWN Securities, IC Advisory Services, Securities America Advisors, and Brecek & Young Advisors. 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 portfolios, third-party asset management, and institutional platforms.

Frank Chou is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 65 designations and has 30 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent two years at Morgan Stanley DW Inc. 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 offers brokerage and advisory solutions supported by extensive research and analytics and manages approximately $671 billion in assets through a large network of over 14,000 financial advisors.

Arlene Peters is a financial advisor at Cetera with 14 years of industry experience and holds a Series 66 designation. Her career includes roles at AMERIPRISE FINANCIAL SERVICES, Avantax, and BKC Wealth Management. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management, financial planning, and consulting services through a nationwide network of independent advisors.

Michele Fine is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and 18 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017 and previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2014 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates centralized due diligence and a combination of quantitative and qualitative research to build model asset allocations.

Mark Soldati is a financial advisor with Merrill and holds Series 63 and Series 65 licenses. He has 33 years of industry experience and has been with Merrill and Bank of America since 2013. Outside of his advisory role, he serves as Director of Finance for the Raritan Yacht Club, a charitable organization. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ronald Hunter is a CFP® with 36 years of industry experience, currently affiliated with LPL Financial since 2015. His prior experience includes roles at Gladstone Wealth Group, Independent Financial Group, First Allied Advisory Services, and FFP Advisory Services. Outside of his advisory work, he is involved in tax preparation and accounting through Somerset Tax Advisory and also works as an independent producer for non-variable insurance with Peak Pro Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, utilizing a variety of investment strategies and operational tools across its extensive advisor network.

Jigna Patel is a financial advisor with J.P. Morgan Securities in North Brunswick, NJ. She holds the Series 66 designation and has six years of industry experience, including a prior 11-year tenure at Valley National Bank. Her current role at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. began in 2020. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting within a non-discretionary framework. The firm’s advisory process integrates quantitative and qualitative due diligence and may include ESG considerations, supported by affiliated investment-management entities.

Joseph Sforza is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services, Pruco Securities LLC, and several talent and media agencies. Outside of his advisory role, he operates Navesink NJ Consulting, a landscaping and bookkeeping business. Morgan Stanley Wealth Management provides comprehensive advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process.

Anthony Mea Jr. is a financial advisor with UBS Financial Services in Warren, NJ, holding a Series 63 designation and 40 years of industry experience. He has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans for clients.

Raymond Kostyack is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2021. Prior to that, he spent eight years at Morgan Stanley and six years at Morgan Stanley Private Bank, N.A. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Andrew D'arcy is a securities advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and several financial firms since 2024. Outside of finance, he has worked in diverse roles including at Spring Lake Golf Course and Riverside Cafe. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence.

Jaime Banghart is a financial advisor with UBS Financial Services in Middlesex, NJ, holding a Series 66 designation and 22 years of industry experience. She has been with UBS Financial Services since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Paul Tompkin is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and 22 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, LPL Enterprise, and Penn Mutual Life Insurance Co. He operates out of Warren, NJ. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements supported by firm-approved software and offers specialized services such as divorce planning and event-driven estate and employer-sponsored planning programs.

Juan Alzate is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 12 years of industry experience. His prior roles include positions at Santander Securities, Santander Bank, Citigroup, Merrill, and Bank of America. Outside of his advisory work, he has ownership in a rental property business. 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 offers both brokerage and advisory solutions.