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 32 years of industry experience, currently affiliated with LPL Financial since 2024. Prior to joining LPL, he worked for over 25 years at Lincoln Financial Advisors. He is co-owner of Resource Group LLC, a business entity used for tax and investment purposes. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and research to support diversified investment strategies.

Jennifer Lingad is a financial advisor at LPL Financial with a Series 66 designation and two years of industry experience. She has been with LPL Financial since 2017 and previously worked at Verizon Wireless for nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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 three years of industry experience. His work history includes roles at Thrivent Financial and Thrivent Investment Management Inc, as well as involvement with the Japan America Society of Greater Philadelphia. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on goal-based analyses and written recommendations across various planning topics without managing client assets directly.

Johnson Sabir is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 66 and Series 63 licenses. His work history includes roles at JPMorgan Chase Bank, N.A. and Citizens Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

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.

Julie Conway is a financial advisor at Osaic with 31 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at FSC Securities Corporation for 22 years. In addition to her advisory role, she is a licensed insurance agent providing long-term care, life, health, and fixed annuity insurance coverage. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs advanced asset-allocation tools and supports both discretionary and non-discretionary account management.

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.

Niraj Singh is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Royal Alliance Associates and Signator Investors. Singh is the sole owner of First Financial Platform Inc., an entity used for managing business expenses. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through its extensive network of financial advisers and multiple advisory platforms. The firm combines brokerage and investment advisory services with financial planning and retirement consulting, employing asset-allocation tools and automated rebalancing to construct portfolios tailored to clients’ risk tolerance and investment restrictions.

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 in Marlton, NJ, holding Series 63 and Series 65 credentials and totaling 27 years of industry experience. His career includes multiple roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC, along with seven years at Raymond James & Associates. Morgan Stanley Wealth Management serves both individual and institutional clients with 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 offers services directly to individuals as well as through corporate financial planning agreements.

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.