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.

Niraj Singh is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Royal Alliance Associates, Inc. and Signator Investors, Inc. Outside of his advisory role, he is the sole owner of First Financial Platform Inc., a business entity used for managing expenses. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage, investment advisory services, and financial planning through a large network of affiliated advisers, utilizing firm-developed asset allocation tools and access to third-party investment platforms.

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.

Tara Czepiga is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. Her prior roles include positions at Fidelity Investments and Bank of America, N.A. In addition to her advisory work, she operates an online business selling items on eBay. Merrill, along 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 using model-based and discretionary investment strategies.

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.

Joshua Broad is a financial advisor with Fisher Investments, holding Series 63 and Series 65 designations and possessing 25 years of industry experience. He previously worked at Oppenheimerfunds Distributor, Inc. for 19 years and Invesco Distributors, Inc. for one year before joining Fisher Investments in 2020. Fisher Investments serves institutional and private clients worldwide, including pension plans, foundations, investment companies, and high-net-worth individuals. The firm offers discretionary portfolio management across equity, fixed-income, and blended mandates, employing a centralized investment process that integrates quantitative and qualitative research, as well as tax-aware strategies and risk management techniques.

Rory Banks is a financial advisor with RBC Capital Markets holding Series 63 and Series 66 licenses and has 13 years of industry experience. His prior roles include positions at UBS Financial Services Inc. and J.P. Morgan Securities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base that includes individual investors, institutional clients, and charitable organizations. The firm offers advisory programs featuring portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles through a combination of in‑house and third‑party investment managers.

Lionel Perkins is a financial advisor at Edelman Financial Engines with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Horace Mann Investors, Trinity Wealth Securities, and Amazon. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering diversified portfolios, discretionary and non-discretionary management, and operates as a fiduciary under ERISA and applicable DOL guidance.

Adam Johnstone is a financial advisor with Mass Mutual Investors Services, holding the CFP® and Series 66 designations. He has 11 years of industry experience, including roles at Mass Mutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. Johnstone is also a member of Cadence Financial Management, LLC. Mass Mutual 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 seminars, structuring planning engagements as collaborative, annual relationships that emphasize goal analysis and written recommendations.

Karl Foote is a financial advisor at Raymond James Financial with 20 years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2006, including a role at Foote Financial, Inc. where he serves as an associate and co-branch manager. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Connor Brady is a financial advisor at Morgan Stanley with 4 years of industry experience. He holds Series 65 and Series 66 licenses and has worked in various roles at Morgan Stanley, PricewaterhouseCoopers, Grant Thornton, and E*TRADE. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Eric Lorenz is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at firms including Voya Retirement Insurance and Annuity Company, Voya Financial Advisors, GWN Securities, and ABCO Federal Credit Union. Outside of his advisory role, he is an independent agent for fixed insurance products and serves as executor and power of attorney for his mother. Equitable Advisors serves a range of clients from individuals to institutional investors, providing financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party investment models and offers a variety of investment options, including mutual funds, ETFs, separately managed accounts, and alternative investments.

Jay Weinberg is a financial advisor with LPL Financial in Mount Laurel, NJ, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, PNC Wealth Management, and J.J.B. Hilliard, W.L. Lyons, LLC. 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 range of advisory and brokerage services, including financial planning and model portfolio programs, utilizing both proprietary research and third-party strategies.

Albert Heaton Jr. is a financial advisor with LPL Financial in Trevose, PA, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at LPL Financial since 2012, and previously at Stifel, Ryan Beck & Co., and Morgan Stanley DW Inc. Outside of finance, he has served as an ice hockey referee and participated in market research studies. 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 and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology tools and a broad network of advisors.

Eric Stevens 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 since 2015, following a tenure at Morgan Stanley Smith Barney beginning in 2009. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market models to support its advisory services.

Steven Smith is a financial advisor with Edward Jones, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and provides a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Joseph Baylouny is a financial advisor with LPL Financial who holds the Series 66 designation and has 27 years of industry experience. He previously worked at Wells Fargo Advisors and Merrill. Outside of his advisory role, he serves as an assistant coach at Camden Catholic High School. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives. The firm offers financial planning, model portfolio programs, and institutional platforms, supporting clients with a range of investment strategies and tools.

Joseph Dehn is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Outside of his advisory role, he manages a family bank account under a power of attorney. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Secular Return Estimates and Monte Carlo simulations as part of its financial planning process.