Clifton Lee is a financial advisor with Ameriprise in Fort Lee, NJ, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its related entities since 2014. Outside of his advisory role, he is a co-owner of a restaurant business, which is managed by his wife. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce non-discretionary, written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Gabrielle Perruso is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2019. Prior to that, she was with Herold Law, P.A. for one year and attended the University of Delaware from 2013 to 2017. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options within its investment menus.

Anthony Vignier is a CFP® with 18 years of industry experience, currently serving as a financial advisor at LPL Financial. His prior roles include positions at Cadaret, Grant & Co., National Asset Management, National Securities Corporation, Merrill, and Northwestern Mutual Investment Management. In addition to his advisory work, he operates a law office providing legal services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm provides financial planning, model portfolios, third-party asset management, and institutional platforms, combining extensive service offerings with significant operational scale.

Thomas Weber is a CFP® with 30 years of industry experience. He is currently with LPL Financial since 2024 and has held prior roles at Commonwealth Financial Network and WS Griffith Securities, Inc. He is also associated with APT Asset Management, LLC, where he has worked since 2004. 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, third-party asset management, and institutional platforms.

Roger Golinski is a Financial Consultant at Fidelity Investments, a position he has held since 2019. In this role, he focuses on understanding each client's unique goals and priorities to provide tailored financial guidance. Prior to joining Fidelity, he worked at USAA from 2014 to 2019, initially as an Investment Services Representative and later as a Senior Financial Advisor. Throughout his career, Roger has developed experience in financial consulting and investment services. His approach involves taking the time to understand clients' individual circumstances to align financial strategies with their objectives. Specific details regarding his education and credentials were not provided.

Michael Ragg is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Equitable Advisors and AXA Advisors. Outside of his advisory role, he engages in selling items acquired on clearance and handles related logistics in his free time. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of investment vehicles and model portfolios.

James Cramer is a financial advisor with Edward Jones in Pompton Plains, NJ, holding Series 63 and Series 66 credentials and 23 years of industry experience. He has been with Edward Jones since 2003. 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 under management and offers a range of advisory programs and investment strategies through a nationwide network of financial advisors and branch offices.

William Bajakian is a financial advisor at Primerica Advisors with 34 years of industry experience. He has been with Primerica Financial Services since 1991 and with Primerica Advisors since 1990. Bajakian is registered with Series 63 and Series 65 licenses. His other business activities include sales of investment-related products and referrals for home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap fee structure.

David Evans is a financial advisor at Cetera with 24 years of industry experience and holds a Series 66 designation. He previously worked at Avantax Investment Services and 1ST Global Advisors, and maintains a long-standing role with Nisivoccia & Co. LLP. Evans also serves as a referring partner at Nisivoccia Wealth Advisors, a firm providing financial services to clients. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and manages over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Constantino Di Taranto is a financial advisor with LPL Financial holding a Series 66 designation. He has worked at LPL Financial and Northern Advisory Group since 2026 and has prior experience in the homebuilding industry and education. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies, supported by operational tools including machine learning.

Philip Thampan is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Equitable Advisors since 1999, including a tenure with AXA Advisors prior to the firm's rebranding. Equitable Advisors serves individuals across wealth levels, as well as pension plans, corporations, charitable organizations, and institutional clients. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing a range of proprietary and third-party advisory programs.

James Stein is a CFP® with 45 years of industry experience. He is currently with Ameriprise Financial Services, having joined in 2024, and previously worked at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. His credentials also include Series 63 and Series 65 licenses. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Guy Fernald is a financial advisor with Cetera, holding a ChFC® designation and the Series 66 license, and has 19 years of industry experience. He has worked with Avantax and 1st Global prior to joining Cetera in 2025. In addition to his role at Cetera, he serves as a financial advisor with Nisivoccia LLP and Nisivoccia Wealth Advisors, LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple portfolio management options through a multi-manager platform and supports both discretionary and non-discretionary program structures across various custodial relationships.

Jason Hollowell is a financial advisor with J.P. Morgan Securities in Morris Plains, NJ, holding Series 63 and Series 65 certifications and bringing 15 years of industry experience. His prior roles include positions at PNC Investments LLC, PNC Bank, and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes specialized regulatory registrations supporting derivatives and commodities capabilities.

Danny Izquierdo is a financial advisor with Merrill in Clifton, NJ, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he is the sole owner of a rental property business. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Lawrence Marciano III is a financial advisor with LPL Financial in Montville, NJ, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at several firms, including Ameriprise Financial Services, Inc., Stifel, and Ryan Beck & Co. Marciano is also involved in tax preparation and accounting services through Prestige Family Wealth Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment solutions, including financial planning, model portfolios, and third-party asset management, supported by extensive research and technology tools.

Brendan Fitzpatrick is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked at Steward Partners Global Advisory LLC and has experience in various roles outside the financial industry. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines algorithmic automation with personalized reviews to deliver tailored retirement income advice.

Edward Giblin is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has prior experience with Massachusetts Mutual Life Insurance Company and MetLife Resources. Outside of his advisory role, he serves as a trustee for the John J. Giblin Civic Association and is involved in insurance brokerage through Giblin Financial, LLC. Mass Mutual Investors Services 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, annual financial planning engagements and offers various programs including educational seminars and event-driven planning services.

Ralph Courtland is a CFP® professional with 25 years of industry experience, currently affiliated with Wells Fargo Advisors since 2024. His prior experience includes roles at Wells Fargo Clearing, A. G. Edwards & Sons, Inc., and Morgan Stanley DW Inc. Outside of his advisory work, he has served as an instructor for investment-related courses and teaches financial management at Marist College. He is also a writer for Mises.org. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory offerings with banking, lending, and trustee services through a network of financial advisors.

Adam Tett is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill and Bank of America, N.A. since 2015. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.