Keith Latimer is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and 29 years of industry experience. His prior work includes roles at IC Advisory Services, Merrill, Wells Fargo Clearing, and Prudential Equity Group. He serves on the Board of Directors for the Longwood University Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Donald Haines III is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several notable firms including Merrill Lynch, LPL Financial, and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations, incorporating ESG criteria and utilizing broader derivatives and commodities capabilities.

Michael La Costa is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has six years of industry experience. His prior roles include positions at Northwestern Mutual and TP ICAP Corporates LLC. He also serves as a financial advisor specializing in life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved analytical tools and educational seminars.

Brian Mulvaney is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He previously worked at M&T Securities for eight years before joining LPL Financial in 2021. Mulvaney also receives residual income from prior group health insurance sales through his LLC, Mulvaney Group. 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 solutions, including model portfolios and third-party asset management, supported by a large network of advisors and various integrated financial services.

Shpend Sabani is a financial advisor at UBS Financial Services in Warren, NJ, with 11 years of industry experience. He holds the Series 66 designation and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Gregory Stelnick is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 43 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1989 and has been with Master Tax since 1981. Outside of his advisory work, he is involved in real estate rental through Napa Properties. 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 supported by extensive investment platforms and operational tools, managing over $819 billion in discretionary assets across more than 22,800 advisors.

Neal Drasin is a CFP® professional with 46 years of industry experience, currently serving as a financial advisor at Edward Jones since 1994. He holds the Series 63 and Series 65 licenses and is based in Warren, NJ. 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 offers a broad range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Julian Montilla is currently an Investment Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Financial Representative at Fidelity Investments from 2023 to 2024. His professional background also includes experience as a Finance Manager at Ciocca Dealerships from 2019 to 2021. In his role as an Investment Consultant, Julian focuses on providing clients with clear and understandable financial planning guidance. He emphasizes trust, collaboration, and a personalized approach to developing and maintaining financial plans tailored to individual goals and circumstances. Outside of his professional responsibilities, Julian's personal interests include comedy, food, music, parenthood, pets, and snowboarding.

Ira Gewirtz is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 2007 and Bank of America, N.A. since 2009. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Natale is a financial advisor at OSAIC Wealth, Inc. with 22 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing, Merrill, and Banc of America Investment Services. OSAIC Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning and managed portfolio programs. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of account structures and investment strategies.

Christopher Reicen is a financial advisor at UBS Financial Services in Warren, NJ, holding a Series 66 designation with 14 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to deliver customized financial planning and portfolio management.

John Milacki is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His career includes 30 years at Metlife Securities Inc. before joining Mass Mutual in 2016. Outside of his advisory role, he is a partner at Optimum Financial Group LLC and part owner of a retail business in Southport, NC, where he handles payroll bookkeeping. 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 wrap and money-manager services, with financial planning structured as an annual, collaborative process using firm-approved analytical tools.

Daniel Munoz is a financial advisor with J.P. Morgan Securities in Somerville, NJ. He holds Series 63 and Series 66 licenses and has 19 years of industry experience. His career includes positions at JPMorgan Chase Bank, N.A. since 2008 and J.P. Morgan Securities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, manager searches, and customized performance reporting. The firm’s advisory process leverages centralized due diligence and incorporates quantitative and qualitative research, offering a range of strategies that may include an ESG eligibility framework.

Julianne Gallina is a financial advisor with Primerica Advisors in Lebanon, NJ, holding Series 63 and Series 65 licenses and with one year of industry experience. She has worked at Primerica Advisors since 2025 and previously at Michael Gallina in 2024. Outside of advising, she has been involved in non-investment business activities related to home security and automation product referrals. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, with a focus on model-delivery strategies managed by unaffiliated asset managers. The firm operates at scale with over 3,600 financial advisors and approximately $15.5 billion in assets under management.

Mara Miller is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2012. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jaclyn Neuwirth is a Financial Consultant at Fidelity Investments, a role she has held since 2023. Prior to this, she served as an Investment Consultant and Central Relationship Manager at Fidelity Investments, and earlier in her career, she worked at Charles Schwab as an Associate Financial Consultant and Client Service Specialist. Jaclyn's professional experience spans various aspects of financial consultation and client service within the investment industry. She holds a California Insurance License, which complements her expertise in financial planning and investment consultation. Jaclyn emphasizes the importance of creating financial plans that begin with clients' aspirations and a clear understanding of available options. She focuses on empowering clients through education and building long-term trusting relationships. Outside of her professional work, Jaclyn enjoys camping, family activities, horseback riding, and traveling.

Emma Carey is a financial advisor with Merrill and holds a Series 66 designation. She has eight years of industry experience, including prior roles at UBS Financial Services and Pactolus Private Wealth Management. Carey is currently based in Flemington, NJ. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Margaret Mcclain is a Series 66-licensed financial advisor with Merrill, based in Bridgewater, NJ. She has 20 years of industry experience and has been with Merrill 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Walter Pardo is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 34 years of industry experience. He has worked at multiple firms including Independent Financial Group, LLC and Avantax entities, and has managed his own financial planning and tax consulting businesses for over a decade. Pardo is involved in delivering financial planning, retirement planning, tax planning, and legacy planning through his role at Private Client Group WFP LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment models and third-party managers.

Michael Figurski is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and 27 years of industry experience. His prior roles include positions at UBS Financial Services, PNC Wealth Management, and Cetera Wealth Services. He serves on the Board of Directors for Medix Pro Clot LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides retirement-income planning advice based on written reports, focusing on dependable income sources and tax-aware withdrawal strategies.