Stefan Cherneski is a financial advisor at TLG Advisors, Inc. with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Advisor Solutions Inc, The Leaders Group Inc, and Underwriters Brokerage Services. Outside of advisory work, he is involved in insurance wholesaling and serves as a wholesaler and owner at Maple Leaf Insurance Services. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, offering investment supervisory and portfolio management, financial and estate planning, and ERISA fiduciary services. Its approach combines fundamental analysis and Modern Portfolio Theory, with a direct-to-consumer program called Starlight Portfolios that uses risk questionnaires to tailor client portfolios.

Louis Iovine is a financial advisor at Sanctuary Advisors, LLC with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill and Sanctuary Securities, Inc. prior to his current role. Outside of finance, he was involved with Party Perfect Rentals from 2015 to 2018. Sanctuary Advisors provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, and charitable organizations. The firm supports independent advisers who use a range of investment approaches and platforms, offering discretionary and non-discretionary management solutions.

Danny Laskovski is a financial advisor with PNC Wealth Management in Wayne, NJ, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with PNC Investments since 2012. Outside of his advisory work, he is an owner of a rental property business unrelated to investment activities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithmic risk assessment and implements investments via approved strategies with mutual funds and ETFs.

Angela Londergan is a financial advisor with Commonwealth Financial Network, holding the ChFC® designation along with Series 63 and Series 66 licenses. She has 26 years of industry experience and has worked at Morris Financial Services and Commonwealth Financial Network since 2005. Outside of her advisory role, she has been involved with the Parsippany Child Day Care Center since 1998. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and services including wealth management and retirement plan consulting. The firm provides operations, technology, compliance, and practice-management support while allowing advisors discretion in portfolio construction and access to model portfolios managed by its Investment Management and Research team.

Lisa Gallo is a financial advisor with TIAA-CREF in Roseland, NJ, holding a CFA® designation and Series 63 license. She has one year of experience at TIAA-CREF and has been with the broader TIAA organization since 2018. Prior to joining TIAA, she worked at Heathland Asset Management LLC for 11 years. TIAA‑CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs primarily to individuals with existing TIAA retirement plan relationships, as well as to trusts, estates, partnerships, and small retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management, utilizing both model and customized portfolios.

Dominick Caprarola is a financial advisor with Private Advisor Group, LLC, holding Series 65 and Series 66 licenses and bringing five years of industry experience. Prior to joining Private Advisor Group in 2023, he worked at LPL Financial, LLC and Ballast Financial, LLC. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering both discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting through a fiduciary-based model that integrates proprietary and third-party investment solutions.

Carlos Navarro is a financial advisor at Goldman Sachs Wealth Services with two years of industry experience. He holds a Series 66 designation and has prior experience at Monmouth University. He also previously operated Cesar's Window Cleaning Service. Goldman Sachs Wealth Services serves a diverse client base, including individual investors, executives, plan sponsors, and institutional clients. The firm offers financial planning, portfolio management, and specialized programs, leveraging proprietary research, strategic allocations, and an extensive affiliated network within the Goldman Sachs ecosystem.

Shawn Steffens is a financial advisor with Commonwealth Financial Network who holds a Series 66 designation and has 25 years of industry experience. He is co-owner of Steffens Financial Corp., where he has worked alongside his role at Commonwealth since 2014. Outside of his advisory work, he serves as a caregiver. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad advisory platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Allan Vera is a Series 66 licensed financial advisor with 12 years of industry experience. He is currently affiliated with GWN Securities Inc. and serves as president of Vera Capital Management, LLC, managing retirement funds for families in Chester, NJ. His prior roles include positions at Gradient Advisors, American Portfolios Financial Services, and operating Vera Reliable Car Service. Outside of advisory work, he is involved in selling annuities and life insurance through related business activities. GWN Securities provides investment advisory services to individual and corporate clients through a variety of managed account programs, incorporating portfolios managed by both affiliated and unaffiliated sub-advisers. The firm utilizes a range of strategies including market-timing and momentum-based approaches alongside model-based asset allocation.

William Aaron is a financial advisor with Focus Partners Wealth, LLC, holding a Series 66 designation and three years of industry experience. His work history includes roles at Merrill Lynch and Bank of America, along with prior experience in academic settings at the University of Southern California and Loyola University Maryland. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, financial planning, and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework that combines active and passive strategies, third-party managers, and private funds.

Bryan Corbitt is a CFA® charterholder with 15 years of industry experience. He is currently with Mercer Global Advisors Inc., where he has worked since 2023. His prior experience includes roles at Northwestern Mutual Wealth Management Company and The Prudential Insurance Company of America. Corbitt was also involved with Ab3ence LLC, a business unrelated to his advisory work. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments with a range of investment advisory, financial, tax, retirement, estate planning, and family office services. The firm’s investment approach uses Modern Portfolio Theory to create globally diversified, risk-appropriate portfolios employing low-cost ETFs, index funds, separate account managers, and private funds, complemented by educational programming and integrated affiliated service lines.

Michael Lo Conte is a financial advisor at TIAA-CREF with a Series 66 designation and three years of industry experience. His prior work includes roles at Stifel and Northwestern Mutual, as well as experience outside financial services with All Jersey Garage Door. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm’s advisory approach separates one-time planning services from ongoing portfolio management, offering both model and customized portfolios managed under a fiduciary standard.

Tyler Street is a financial advisor at Goldman Sachs Wealth Services with a Series 66 designation and two years of industry experience. His career history includes roles at Goldman Sachs, London Mutual Credit Union, Amazon, Marist College, Doordash, and Pasa Alta Manor. Goldman Sachs Wealth Services advises a diverse client base including individual investors, executives, plan sponsors, and institutional clients. The firm offers financial planning and portfolio management using strategic allocation models and manager selections, with access to specialized programs and alternative investments through its integration with the broader Goldman Sachs ecosystem.

Martin Donnelly is a financial advisor with Goldman Sachs Wealth Services, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has worked at Goldman Sachs since 2019 and was previously with The AYCO Company, L.P./Mercer Allied for seven years. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base including individual investors, corporate participants, executives, and institutional clients. The firm utilizes strategic and tactical allocation models and offers specialized programs such as Private Family Office services and Executive Wealth programs, integrating capabilities across the broader Goldman Sachs organization.

Janet Talis is a financial advisor at &Partners with 18 years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 14 years. &Partners serves a diverse client base including individuals, institutions, retirement plans, and charitable organizations. The firm offers investment management and financial planning services using a combination of proprietary and third-party strategies, with both discretionary and non-discretionary account management.

Mindy Mondaro is a financial advisor with Principal Financial Services, holding a Series 66 designation and over 20 years of industry experience. She has been with Principal Securities Inc. and Principal Life Insurance Co. since 2005. Outside of her advisory role, she serves as Secretary of the Board for the Whippany Park High School Baseball Diamond Club. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions.

Robert Esposito is a financial advisor at TLG Advisors, Inc. with four years of industry experience. He holds a Series 66 designation and has previously worked at firms including Regal Investment Advisors, Cornerstone, and Intervest International. Outside of his advisory role, Esposito officiates NCAA hockey games. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional clients, offering services such as portfolio management, financial and estate planning, and ERISA fiduciary services. TLG uses a research approach based on fundamental analysis and Modern Portfolio Theory and provides a direct-to-consumer program called Starlight Portfolios.

Elizabeth Ferraro is a CFP® professional with 13 years of industry experience, currently serving as an advisor at Janney Montgomery Scott. Prior to joining Janney, she worked at UBS Financial Services for 10 years, as well as at J.P. Morgan Securities and Equitable Advisors. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse clientele including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering a range of brokerage, financial planning, and advisory services.

Michael Towman is a financial advisor at Private Advisor Group, LLC with 26 years of industry experience. He holds the Series 66 designation and has previously worked at firms including Citigroup Global Markets, Merrill, Banc of America Investment Services, and UBS Financial Services. He is also the owner of Towman Associates LLC, a non-investment related business. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model that utilizes multiple investment strategies and technology platforms while often implementing advice through third-party managers and TAMPs.

Gary Ginsberg is a financial advisor at OSAIC Institutions, Inc. with 43 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior experience includes positions at Ameriprise and Royal Alliance Associates, Inc. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients. The firm provides customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating through a hybrid adviser/broker-dealer model with a focus on firm supervision and client-directed investment authority.