Susy Chang is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 34 years of industry experience. Her career includes long-term roles at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1991, as well as Massachusetts Mutual Life Insurance Company since 2016. She also works as an independent insurance agent specializing in life, accident, health, Medicare-related products, and property and casualty insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to analyze client goals and provide written recommendations.

Scott Whisten is a financial advisor at Edward Jones with four years of industry experience. He holds the Series 66 designation and previously worked at Allianz Global Investors U.S. LLC for 16 years before joining Edward Jones in 2022. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Christopher Del Campo is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 65 designations and has been with J.P. Morgan Securities since 2012, also working with JPMorgan Chase Bank since 2007. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screening and qualitative research to develop model asset allocations and incorporates ESG considerations within a non-discretionary framework.

Todd Vander Veer is a Certified Financial Planner® with 20 years of industry experience. He is currently with J.P. Morgan Securities in Wayne, NJ, where he has worked since 2012. Prior to that, he was with Chase Investment Services Corp. for two years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized due diligence team and incorporates an ESG eligibility framework in its recommendations.

Michael Di Lorenzo is a financial advisor with OSAIC who holds a Series 66 designation and has 24 years of industry experience. His work history includes roles at Royal Alliance Associates since 2017 and prior positions at LPL Financial and Private Portfolio Partners, LLC from 2013 to 2017. Outside of his advisory work, he operates a sole proprietorship involved in the sale of fixed insurance products. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and third-party manager programs.

Eric Piesnikowski is currently a Vice President and Financial Consultant at Fidelity, a role he has held since 2011. He works with clients to help them achieve their financial goals. Prior to this position, he was an Investment Representative at Fidelity from 2010 to 2011. Earlier in his career, Eric served as a Financial Advisor at John Hancock from 2008 to 2010. Eric holds the Certified Financial Planner (CFP4) designation. His professional background includes extensive experience in financial consulting and investment representation. No additional information about his education, personal interests, or community involvement was provided.

Lawrence Mcternan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 31 years of industry experience. His prior roles include positions at Wells Fargo Clearing, HSBC Securities (USA) Inc., TD Wealth Management Services Inc., Banc of America Investment Services, Inc., and Quick & Reilly, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, wrap and model portfolio programs, third-party asset management access, and institutional platforms, supporting diverse investment strategies through a large network of adviser representatives.

Kenneth Growney is a ChFC® with 38 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he serves as a board member of the Adphi Fraternity and chairs the audit committee of the Cornwall Yacht Club. Mass Mutual Investors Services, LLC operates as a subsidiary of MassMutual and provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes firm-approved software for goal analysis and offers a range of programs including asset management and educational seminars.

John Ginn is the Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2015, initially serving as an Investment Consultant before advancing to his current role in 2016. In this capacity, he is dedicated to enhancing the financial well-being of his clients. His professional background spans the private, public, and non-profit sectors, including experience as a US Equity Sales Trader at Citi from 2008 to 2012 and service as a Captain in the United States Marine Corps from 1998 to 2007. This diverse experience informs his approach to understanding the varied needs of his clients and providing guidance on navigating financial events. John emphasizes building trust with his clients and their families to offer direction for both planned and unexpected life circumstances.

Martin Diamond is a CFP® professional with 42 years of industry experience, currently serving as an advisor at Raymond James & Associates since 2020. He previously worked at UBS Financial Services Inc. for 12 years. Outside of his advisory role, he acts as a trustee for an investment-related trust. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting through various advisory programs.

Edward Byrne is a Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial services industry. His expertise encompasses bond trading, financial market analysis, and comprehensive wealth management strategies tailored for individuals and families. Edward's global experience includes a five-year period in Japan specializing in bond trading, providing him with a unique perspective on investment strategy, risk management, and market dynamics. He holds FINRA Series 7, 9, 10, 63, and 66 registrations and the Chartered Retirement Planning Counselor (CRPC) designation, supporting his commitment to delivering disciplined planning and informed decision-making to his clients. Edward focuses on building, preserving, and transitioning wealth through personalized service backed by his extensive fixed-income market knowledge. A lifelong resident of New Jersey, Edward lives in Bergen County with his family. He is involved in his community through support of organizations such as the Friends Of The County Animal Shelter (FOCAS) in Hasbrouck Heights, NJ. Outside of work, Edward enjoys football, genealogy, music, softball, swimming, and traveling.

Ricardo Urena Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and 12 years of industry experience. He has been with J.P. Morgan Securities since 2014 and has a broader professional history at Jpmorgan Chase Bank, N.A. since 2013. Additionally, he has been associated with SUNY Westchester since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process and integrates ESG considerations within its recommended investment strategies.

Robert Suchocki is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Morgan Stanley in addition to his tenure at Wells Fargo. Outside of his advisory role, he mentors young entrepreneurs through the Institute for Entrepreneurial Leadership and is involved in managing a local deli. 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 utilizes research and analytics to guide investment decisions and offers both brokerage and advisory solutions across a broad range of financial products.

Kathryn Palao is a CFP® professional with 20 years of industry experience, currently with Cetera. She has worked with Cetera Wealth Services, LLC and Hudson Financial Services since 2006. Palao serves as a board member of the Briarcliff Manor Chamber of Commerce and manages tax preparation and planning through her role as President and CEO of Hudson Tax Services LLC. Cetera Investment Advisers LLC provides services through a nationwide network of independent advisors to a diverse client base, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning options, operating as a multi-manager platform that supports discretionary and non-discretionary strategies across multiple custodial relationships.

Nicole Lyding is a Series 63 licensed financial advisor with nine years of industry experience. She has been with Cetera since 2019 and previously worked at Foresters Financial from 2017 to 2019. Cetera Investment Advisers LLC distributes its services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Daniel Martin is a CFP® professional with 23 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. His prior roles include positions at Morgan Stanley from 2003 to 2013, First Allied Advisory Services, and Gitterman Wealth Management. He is also the owner of an independent insurance agency, D.R. Martin and Associates, based in Ridgewood, NJ. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services through thousands of financial professionals. The firm offers both discretionary and non-discretionary management across multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Michael Al Moustafa is a Series 65-licensed advisor with Cetera and has one year of industry experience. He previously held roles at Kept Companies Inc., SKC & Company, LLP, Murphy, Miller & Baglieri, LLP, Blue Water Divers, and Berson and Corrado. Outside of advisory work, he is the owner and founder of an accounting and tax services business serving his personal clients. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager investment platform with discretionary and non-discretionary portfolio management, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm supports various program structures and offers access to affiliated and third-party money managers, overseeing more than $256 billion in assets and a network of over 10,000 advisors.

Maria Nikolaidis is a financial advisor with Wells Fargo Clearing in Paramus, NJ, holding a Series 63 designation and 30 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held a position at Wachovia Bank, N.A. since 2002. Her spouse owns an independent fur business for which she serves as a check signer. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by in-house research and third-party analytics.

Kevin Wurst is Vice President Private Wealth Management Advisor at Fidelity Investments. He has held this position since 2025, following roles including Vice President, Branch Leader from 2013 to 2025, Assistant Branch Manager from 2012 to 2013, and Vice President, Senior Account Executive from 2008 to 2012. Prior to these roles, he worked as a Financial Planning Consultant and Investment Representative at Fidelity Investments, a Financial Advisor at Smith Barney, and an Investment Consultant at Morgan Wilshire Securities, Inc. With nearly 26 years of experience in financial services, Kevin is a Certified Financial Planner (CFP®) who focuses on guiding high net worth families through various stages of their financial journeys. His approach involves collaboration and tailoring financial plans to align with clients' aspirations and values, aiming to foster trust-based relationships that provide clarity and confidence. Outside of his professional work, Kevin's personal interests include family activities, fitness, food, golf, outdoor adventures, and traveling.

Michael Post is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2016, also serving at Bank of America, N.A. since 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.