Kurt Akersten is a financial advisor at Fidelity with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Citigroup. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including advisory roles for registered investment companies and a Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage diversified model portfolios.

Joseph Pellitteri is a financial advisor at RBC Capital Markets with Series 63 and Series 65 credentials and 58 years of industry experience. He has worked at RBC Capital Markets LLC since 2015 and City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored strategies administered through a combination of in-house and third-party managers, and provides discretionary and non-discretionary portfolio management alongside financial planning and brokerage services.

Karen Capen is a financial advisor at Raymond James Financial with 21 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Raymond James since 2017. Outside of her advisory role, she is an independent contractor at Banyan Wealth, where she operates as a Service Associate. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Kenneth Mills is a financial advisor with Mass Mutual Investors Services who holds the Series 63 and Series 66 designations and has 13 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has prior experience at MetLife Securities Inc. and New England Securities. Outside of his advisory role, he is also an independent insurance agent specializing in dental, group disability income, fixed annuities, life, accident, health, long-term care, and Medicare-related products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing annual collaborative planning relationships and the use of firm-approved analytical tools.

Frank Garruzzo is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an elected mayor in the Borough of Brielle, New Jersey, and is involved as a partner in a local real estate venture. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery and modeling tools, with a focus on advisory services.

Kevin Dolan is a financial advisor with Equitable Advisors, holding a Series 66 designation and 10 years of industry experience. He has worked at several firms, including Axa Advisors and Garden State Securities. Outside of his advisory role, he serves as treasurer for a youth football league. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs and third-party asset managers to match clients with investment solutions based on risk tolerance and individual needs.

Abraham Weiss is a financial advisor with MassMutual Investors Services in Jackson, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with MML Investors Services and MassMutual Life Insurance Company since 2014. Outside of his advisory role, he is involved in the insurance brokerage business through Sterling Insurance Concepts Inc., which focuses on life and health insurance sales and ownership. MassMutual 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 customized financial planning using firm-approved software and hosts educational seminars, with planning engagements structured as ongoing, collaborative relationships.

Thomas Musumeci is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 60 years of industry experience. His prior roles include positions at Royal Alliance Associates, Investment Advisors Asset Management, and IAC Advisory Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Kevin Canning is a financial advisor with Morgan Stanley in Sea Girt, NJ, holding a Series 66 credential and having seven years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and scenario modeling.

Michael Francis is a financial advisor at UBS Financial Services with 15 years of industry experience. He previously worked at Goldman Sachs & Co. for seven years before joining UBS in 2020. He serves as an advisory board member of the Archdiocese of Washington D.C., providing advice on general finance trends. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Douglas Berry is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 17 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2015 to 2017. Mass Mutual Investors Services 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, using firm-approved tools to develop collaborative, annual financial plans tailored to client goals.

Gerard Bifulco is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has worked at Ameriprise and its affiliate since 2010. Outside of his advisory role, he is a self-employed CPA providing tax preparation services and serves as an adjunct professor at St. Peter's University. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Eric Saenz is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has been with Equitable Advisors since 2012 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he was involved with DJ Johnny's Magic Moments for over a decade and has an interest in marketing through his connection to Zenith Marketing. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

James Costabile Jr. is a Series 66-registered financial advisor with Osaic Wealth Inc. in Wall Township, NJ, bringing 23 years of industry experience. His prior roles include seven years at LPL Financial LLC and 14 years at Ameriprise Financial Services, Inc. He is also the owner of Final Turn Racing Stables, LLC, a business outside of the financial industry. Osaic Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm utilizes a model-based investment process emphasizing asset allocation and portfolio optimization, offering a variety of brokerage and advisory programs delivered through an extensive affiliate network.

Anthony Sandomierski is a CFP® and PFS™ with 11 years of industry experience, currently serving as a financial advisor at Cetera. His work history includes roles at Avantax Advisory Services and Avantax Insurance Agency, and he is involved in providing tax and accounting services through Jack Oujo CPA, Inc. He is also a managing partner of SG Realty Group LLC, which manages rental property for his financial and tax services office. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager investment platform with discretionary and non-discretionary management options, enabling advisors to customize portfolios through affiliated and third-party managers.

Jodi Citron is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 credentials and has 17 years of industry experience. She previously worked at Morgan Stanley for seven years and is currently affiliated with The Cutrupi Group, LLC as a Wealth Management Associate and Branch Manager. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools to support client goals and maintains specialized programs in municipal and public finance as well as SIMPLE IRA employer advisory services.

Kristian Lydon is a CFP® professional with seven years of industry experience, currently advising through LPL Enterprise. His prior roles include positions at Pruco Securities, Bank of America, Merrill, and Sestito Financial Services. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in the Model Wealth Portfolios wrap program.

Ursula Whitehurst is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. Her career includes roles at PFS Investments Inc. and Primerica Financial Services, as well as teaching positions in the New Jersey public school system. She is also a tutor and owner of Series 65 Interact, a non-investment related tutoring business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients primarily via a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Evan Silverstein is a financial advisor with MassMutual Investors Services in Wall Township, NJ. He holds the ChFC® and Series 63 designations and has 22 years of experience in the industry. He has been with MML Investors Services and MassMutual since 2003. In addition to his advisory role, he works as a licensed agent offering individual life, health, group health, and fixed annuities. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual collaborative planning relationships and uses advanced software tools to support client goal analysis.

Mikaela Guzman is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her career in financial services in 2008 and joined Merrill Lynch in 2019 after nearly a decade with another institution. Mikaela works with high net worth individuals, families, and businesses, focusing on comprehensive wealth management strategies that address clients' unique financial needs and goals. She emphasizes a collaborative approach to crafting personalized financial roadmaps that prioritize her clients' aspirations. Mikaela holds a Bachelor's Degree from Western Governors University and has earned the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. She is a member of professional organizations including the Black/African American Leadership Council, Central Jersey Women in Business, Hispanic/Latino Organization for Leadership and Advancement (HOLA), and Women's Exchange. Residing in Manalapan, New Jersey, Mikaela balances her professional career with her role as a mother. She is involved in coaching gymnastics and enjoys activities such as salsa dancing and riding her Harley Sportster. Mikaela is fluent in English and Spanish.