Kevin Kautzmann is a CFP® professional with 29 years of industry experience. He is currently affiliated with Osaic Wealth, Inc. and previously worked for Sagepoint Financial, Inc. for 14 years. Outside of his advisory role, he is involved in independent insurance sales through his ownership and representation in related entities. Osaic Wealth, Inc. 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 with a focus on asset allocation, risk tolerance, and diversified portfolios using stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Martin Mc Ginley is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes roles at Summit Financial, Purshe Kaplan Sterling Investments, and Massachusetts Mutual Life Insurance Co. since 2014. 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 applying an ESG eligibility framework in its recommendations.

John Dikun is a CFP® with 26 years of industry experience, currently affiliated with LPL Financial. He has been associated with LPL Financial and its predecessor entities since 2000 and has been operating his own CPA firm since 1989. In addition to his advisory work, he maintains an active CPA practice providing tax preparation and accounting services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies to support diversified investment strategies.

Nicholas Gariano is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and previously worked at Disney and ESPN. He also operates Gariano Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, overseeing more than $256 billion in assets through a network of over 10,000 advisors.

Eliot Meshulam is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been affiliated with JPMORGAN Chase Bank, N.A. since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Roger Moss is a financial advisor with LPL Financial in Montville, NJ, holding Series 63 and Series 65 licenses and over 34 years of industry experience. He previously worked at Ic Advisory Services Inc and The Investment Center Inc before joining LPL Financial. In addition to his advisory role, Moss is involved in tax preparation and accounting through Mileto Tax Prep. LPL Financial serves individual and institutional clients nationwide, offering a range of financial planning, advisory programs, and retirement plan consulting. The firm provides discretionary and non-discretionary management with access to model portfolios and research, supporting diversified and alternative investment strategies.

Thomas Tansey is a financial advisor at Merrill with 20 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials. His prior experience includes six years at MBSC Securities Corporation/BNY Mellon and three years in an earlier role at Merrill. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, delivering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America offers access to a broad range of products and services beyond typical asset management.

Jacob Heitzner is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He previously worked at Crestron Electronics and attended the University of Delaware. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Yulli Camargo is a financial advisor at Primerica Advisors with a Series 66 designation and experience beginning in 2024. Prior to joining Primerica Advisors, Yulli has held roles at Hinshaw & Culbertson LLP, LPL Enterprise LLC, Pruco Securities LLC, and Clark Law Firm, PC. Outside of advisory work, Yulli is involved in the sale of loan products and home security referrals through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Yocari Lara is a financial advisor at LPL Financial with 13 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Western International Securities, Inc. for seven years and SW Financial for one year. She holds Series 63 and Series 65 registrations. Outside of her advisory work, she is engaged in independent contracting and personal services unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory and financial planning services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Francis Obrien is a financial advisor at LPL Financial with 31 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at AIG Capital Services, Inc. and Hightower Securities, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options.

Allen Grommet is a CFP®-designated financial advisor with 30 years of industry experience. He is currently with OSAIC, having joined the firm in 2024, and previously spent 11 years at American Portfolios Financial Services, Inc. He also owns Caring Financial Services & Caring Wealth Management, a business focused on investment-related insurance and advisory services. Osaic Wealth, Inc. serves a wide range of retail and institutional clients, including high-net-worth individuals and organizations, providing integrated brokerage, advisory, and financial planning services through a large network of affiliated advisers. The firm employs asset-allocation tools and offers diversified portfolios with various investment options, managing accounts on discretionary or non-discretionary bases.

Michael Cocco is a financial advisor with Equitable Advisors in Nutley, NJ, holding a Series 66 designation and over 20 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 2005. Outside of his advisory role, Cocco serves on the boards of the Penn State Alumni Association and the Montclair Public Library Foundation, contributing to nonprofit programming and fundraising efforts. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Jeffrey Mandell is a financial advisor with Merrill in Paramus, NJ, holding a Series 66 designation and 25 years of industry experience. He has been with Merrill since 2009 and associated with Bank of America since 2006. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and various institutions. The firm leverages its integration with Bank of America to provide access to a broad set of products and services beyond typical investment management.

Gloria Gargiulo is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has spent much of her career with various Wells Fargo entities since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutions. The firm offers a broad range of financial planning services, including specialized areas such as business-owner transition and sports & entertainment planning, using proprietary research and planning tools to develop tailored client recommendations.

Sherry Swenson is a financial advisor at UBS Financial Services with 31 years of industry experience. She holds a Series 66 designation and has been with UBS since 1987. Outside of her advisory work, she is involved with the Indian Hills High School Boys Soccer Boosters Association as a fundraiser and alumni member. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Mauro Puello is a financial advisor at Raymond James & Associates with a Series 66 designation. He has experience in financial services through roles at Total Deployment Solutions, The Wright Star, FX Trading Academy, and Cardinal Bridge LLC. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Thomas Divito Jr. is a financial advisor at Merrill with 10 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2007 and is also associated with Bank of America, N.A. since 2011. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers model-based and discretionary investment strategies integrated with Bank of America’s broader corporate platform.

Matthew Brogan is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Bank of America and Merrill since 2013. Outside of his advisory role, he holds a power of attorney position related to an entity named F A B in Beach Haven, New Jersey. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

William Conklin is a CFP® professional with 32 years of industry experience. He has worked at OSAIC since 2018 and previously spent 25 years with Signator Investors, Inc. He serves as a member of the Open Space Committee in Ringwood, NJ. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.