Michael Warin is a financial advisor with Cetera, holding a Series 63 license and bringing 27 years of industry experience. He previously worked at Avantax Investment Services and Avantax Insurance Services for over two decades and has operated Michael Warin - Financial Services, LLC since 1996. Outside of his advisory role, he serves on the audit team at Faith Lutheran Church, participates as an usher, co-chairs the soup kitchen committee, and chairs the annual walk for hunger. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with access to various portfolio management options and investment strategies tailored to client needs.

Charles Tepper is a financial advisor at RBC Capital Markets with 28 years of industry experience. He has held his current position since 2011 and holds Series 63 and Series 65 licenses. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, employing a mix of in-house and third-party investment managers tailored to each client’s risk profile.

Logan Murphy is a financial advisor with Raymond James Financial in Jackson, NJ, holding a Series 66 designation and one year of industry experience. His prior roles include positions at OSAIC Wealth, Inc. and Northwestern Mutual. 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, pension plans, corporations, charitable organizations, and institutions. The firm offers non-discretionary planning tailored to client goals using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Matthew Doyal is a financial advisor with LPL Financial, holding Series 65 and Series 66 credentials and 11 years of industry experience. His prior work includes roles at Cuna Brokerage Services Inc., Pentagon Federal Credit Union, Lifecycle Financial Advisors, LLC, and McGraw Fill Federal Credit Union. He currently serves as a manager at Pentagon Federal Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Keith Latimer is a financial advisor at Ameriprise with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise since 2019, previously spending a decade with IC Advisory Services, Inc. He serves on the Board of Directors for the Longwood University Foundation. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm integrates these services with a broad range of advisory, brokerage, and insurance solutions.

Rich Peckio is currently a Planning Consultant at Fidelity Investments. In this role, he focuses on helping clients work towards their financial goals by preparing personalized financial plans. He emphasizes building relationships with clients to understand their unique situations and co-creating a roadmap tailored to their needs. Rich has been with Fidelity Investments since 2022, holding positions such as Financial Representative and Relationship Manager prior to his current role. His experience encompasses various aspects of financial planning and client relationship management within the firm. He is licensed by the state of California to provide insurance services. Outside of his professional responsibilities, Rich has interests that include fitness, football, hiking, music, parenthood, and traveling.

Geoffrey Dietzel is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at Brunswick Financial Group LLC since 2003 and was affiliated with Pruco Securities, LLC. for over two decades. Dietzel is also a director and owner of Brunswick Financial Group, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers comprehensive financial planning, access to model portfolio programs, and third-party asset management, operating an integrated platform that includes insurance products and collateralized lending services.

Ian Ruderman is a financial advisor at MassMutual Investors Services with 38 years of industry experience. He holds Series 63 and Series 65 designations and has worked at MassMutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. Outside of finance, he is involved in the spirits industry as a partner in the Freehold Distilling Company and owns Whisky Guild, a company focused on whisky events and reviews. Ruderman also serves as president of a college alumni board. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative annual relationships and utilizing firm-approved analytical tools for goal-based recommendations.

Richard Hausler is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at UBS Financial Services Inc for 11 years before joining Wells Fargo Clearing in 2021. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 vehicles and bank deposit sweep options among its investment offerings.

Gregory Stelnick is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 42 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1989 and has been associated with Master Tax since 1981. Outside of his advisory role, he is involved in a real estate rental business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory services, including discretionary and non-discretionary portfolio management and access to model portfolios and research from multiple sources.

Michael Stevens is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he has ownership in Alpha Wolf LLC, an investment-related business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Barbara Siegel is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo Advisors and its affiliated entities since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored recommendations for clients.

Ronald White is a financial advisor with LPL Financial in Manalapan, NJ, holding Series 63 and Series 65 credentials and 30 years of industry experience. He previously worked at IC Advisory Services Inc and The Investment Center Inc for 13 years each. Outside of his advisory role, he is involved in businesses focused on tick and mosquito control as well as fireplace services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and technology-driven strategies.

Matthew Mandile is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. His prior roles include positions at Korn Ferry International, Trilogy International, Robert Half, and involvement with the New York City Football Club and New York Jets. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies.

Frankie Plasencia is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following roles at WELLS FARGO Advisors, LLC and Wells Fargo Bank NA. Outside of finance, he owns and operates businesses in auto sales and vehicle maintenance. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Frank D'erasmo Jr. is a Series 66-registered financial advisor with Ameriprise, where he has worked for five years. He has eight years of industry experience, including previous roles at Equitable Advisors and AXA Advisors. Outside of his advisory work, he owns Junior Ventures, LLC, through which he manages his Ameriprise business. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Steven Kochenour is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise Financial Services since 2005. 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 written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Armando Patino is a financial advisor at LPL Enterprise with four years of industry experience. He holds a Series 66 designation and has previous experience with Prudential Insurance Company of America, Pruco Securities, LLC, and Liberty Mutual. Outside of his advisory role, he is involved with Be Well Financial LLC, which offers financial planning and health insurance services. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, advisory services, and access to model portfolios and third-party asset management, combining adviser programs with brokerage and insurance products on an integrated platform.

Joe Loiodice is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Bernstein Institutional Services LLC, AllianceBernstein Investments, Inc., Alliance Bernstein L.P., and Four Springs Capital LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader set of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Joselito Aquino is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill, UBS Financial Services, and JPMorgan. Aquino is based in North Brunswick, NJ. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.