Robert Curtis is a financial advisor at Thrivent Investment Management with 21 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Curtis serves as board president for Literacy Volunteers of Somerset County, an organization that promotes adult literacy through tutoring and community programs. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, delivering goal-based analyses and written recommendations on topics such as retirement and estate planning. The firm offers planning and managed-account services separately, with a consolidated billing option, and does not provide discretionary portfolio management for institutional clients.

Tamara Costa is a financial advisor at Fidelity with 14 years of industry experience. She holds a Series 66 designation and has worked at Fidelity brokerage Services LLC since 2018, as well as at The Law Office of James T. Elliott, LLC from 2014 to 2017. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management.

Kurt Kowalski is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and five years of industry experience. Prior to joining Raymond James, he worked at Portnoy Schneck, LLC and operated his own law office for five years. He maintains his law license by meeting continuing education requirements, although he is not currently practicing. 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, and institutional organizations. The firm offers tailored, non-discretionary planning and utilizes analytical tools like risk profiling and probability modeling to support client goals.

Levent Bayrasli is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has been with Ameriprise and its related entities since 2012. Bayrasli serves as a managing partner of Sonic Series LLC and is a board member of the Estate Planning Council of the Lehigh Valley. Ameriprise provides retirement-income planning services for individuals approaching or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations, supported by a centralized consulting team.

Fred Kessler III is a Series 66-licensed financial advisor at Edward Jones with eight years of industry experience. He worked at AIG from 2007 to 2017 before joining Edward Jones in 2017. Outside of his advisory role, he umpires for the North Warren Little League in Blairstown, NJ. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies supported by a large network of financial advisors and branch offices nationwide.

Douglas Beaney is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Investacorp, Inc. and Painewebber Incorporated. Beaney also engages in insurance sales through The Beaney Group, LLC. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services. The firm utilizes asset-allocation tools, risk-tolerance assessments, and multiple advisory platforms to manage portfolios that include a range of investment types.

David Salisbury is a CFP® with 24 years of industry experience, currently serving at LPL Enterprise since 2024. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC, where he was employed for over two decades. Salisbury is also involved with David Salisbury Insurance & Financial Services LLC as a sole member. LPL Enterprise serves a diverse client base including individuals, high-net-worth clients, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory, and brokerage services using a platform that integrates adviser programs with the sale of financial products, including insurance through an affiliated agency.

Aaron Fuhrman is a financial advisor at Edward Jones in Phillipsburg, NJ, holding a Series 66 designation with 11 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of investment strategies and affiliated financial services through a nationwide network of more than 23,700 advisors and 15,000 branches.

Benjamin Foreman is a CFP® and Series 66 credentialed advisor with 18 years of industry experience. He has worked at Fidelity since 2009, including his current role with Fidelity Personal and Workplace Advisors since 2018 and Fidelity Investments since 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, supporting both discretionary and non-discretionary advisory strategies.

Elise Heinemeyer is a financial advisor at Merrill with a Series 66 designation and nine years of industry experience. She has worked at Bank of America, N.A., and Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Timothy O'Connors is currently serving as Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments in various capacities since 1998, bringing over 25 years of experience to his current position. Prior to becoming Vice President, he worked as a Financial Consultant from 2018 to 2023 and held roles including Senior Portfolio Specialist and Investment Consultant. Throughout his career, Timothy has focused on helping clients and institutions work towards their retirement and financial goals. His extensive experience across multiple positions within financial services has enabled him to work collaboratively with clients to design retirement plans aimed at pursuing their objectives. The information provided does not include details about his education, credentials, personal interests, or community involvement.

Allan Samilow is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Merrill since 2009 and concurrently at Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a consultant and independent contractor for Dream Vacations/World Travel Holdings, where he has access to travel agent pricing on cruises, hotels, and airfare. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jon Thomas is a financial advisor with LPL Financial based in Easton, PA, holding Series 63 and Series 65 designations and possessing 31 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Personal Dollar Management and Cadaret, Grant & Co., Inc., each for 32 years. He is also involved in non-variable insurance related activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios and research while providing both discretionary and non-discretionary management options.

Stacy Goerner is a financial advisor at RBC Capital Markets with 15 years of industry experience. She holds a Series 66 designation and previously worked at Merrill from 2009 to 2020 before joining RBC in 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing a mix of in-house and third-party investment managers and providing options such as tax-management and responsible investing.

Edward Winters Jr. is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63 and Series 66 licenses and has been affiliated with Cetera and its related entities since 2013. Outside of his advisory role, Winters serves as a power of attorney for his son. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary solutions, model portfolios, and access to third-party managers.

Vicki Kirkpatrick is a financial advisor at LPL Financial with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Key Investment Services LLC, KeyBank, and Fidelity Deposit & Discount Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by extensive research and model portfolios.

Allan Sanford is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in the financial industry in August 2000, following over eight years of service in the United States Army and the management of a radiology group. Allan specializes in working with clients to develop individualized asset allocation strategies aligned with their financial goals. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Allan holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Allan earned his high school diploma from Vernon Township High School and holds an associate’s degree from the American College of Radiology. He is a life member of the Disabled American Veterans and the Veterans of Foreign Wars and has served as an Ambassador for the Newark Regional Business Partnership and as President of the Franklin Lakes Chamber of Commerce from 2000 to 2004. Allan resides in Pittstown, New Jersey, and his personal interests include fishing, football, golfing, hiking, photography, spending time with family, and traveling.

Matthew Teevan is a CFP® professional with 16 years of industry experience, currently advising clients at Ameriprise Financial Services, LLC. His prior roles include positions at various Cetera affiliates, GWFS Equities/Empower, and Russell Investments Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies.

Michael Mccann is a financial advisor at Fidelity with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Merrill, Bank of America, John Hancock Funds, and New York Life Investment Management. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, including model portfolios constructed from mutual funds, ETFs, and ETPs.

George Burdge II is a financial advisor with Morgan Stanley in Flemington, NJ, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked with Morgan Stanley and its affiliated entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm’s approach includes structured planning processes and firm-approved tools, managing approximately $2.74 trillion in client assets.