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 KeyBank and Key Investment Services LLC before joining LPL Financial and Fidelity Deposit & Discount Bank. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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.

Dennis Gerkhardt is a CFP® with 32 years of industry experience, currently associated with LPL Financial since 2025. He previously worked at Ic Advisory Services, Inc. for 19 years and The Investment Center, Inc. for 27 years. Outside of his advisory role, he is involved in tax preparation and accounting activities and operates a farm business. 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 a range of advisory and brokerage services, including financial planning and access to third-party asset management, and supports its investment adviser representatives with research and operational tools.

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.

Ashley Buhl is a financial advisor with UBS Financial Services, holding a Series 66 designation and 23 years of industry experience. She has been with UBS since 2003. Outside of her advisory role, Ashley operates a part-time business called Invitations by Ashley and contributes occasional content related to health and family topics, as well as participating in a children's animal workshop. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad platform including capital markets and advisory solutions.

Matthew Engelau is a Series 66 licensed financial advisor with LPL Financial, where he has worked since 2006. He has 19 years of industry experience. Outside of his advisory role, Engelau serves as a member of the Hackettstown Town Council, participating in local government decisions. 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 a range of financial planning and investment management services, utilizing a variety of strategies and technology tools to support its network of more than 22,800 advisors.

Adam Garretson is a CFP® with 23 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2017 and previously held positions at Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2004 to 2017, and Morgan Stanley Dw Inc. from 2003 to 2004. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Christopher Russo is a CFP®-certified financial advisor at Fidelity with 24 years of industry experience. He has been with Fidelity Investments since 2014, including seven years at Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage a range of registered investment companies and funds.

Keith Smith is a CFP® with 37 years of industry experience, currently serving at LPL Financial since 2019. His previous roles include seven years at Ameriprise Financial Services and ten years at PRUCO Securities. Outside of his advisory work, Smith is involved in real estate rental related to his office location in Flanders, NJ. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a large network of over 22,800 advisors.

Matthew Andersen is a financial advisor with Thrivent Investment Management holding a Series 66 designation and no prior industry experience before joining the firm in 2026. He has been involved with nonprofit organizations, including a decade-long role at Star of Hope Ministries and ongoing work with The Chalmers Center. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based planning without discretionary portfolio management.

James Angiuli is a CFP® professional with 28 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at Wells Fargo Advisors, Fidelity Personal and Workplace Advisors, Fidelity Brokerage Services LLC, and Wells Fargo Clearing. Outside of his advisory role, he is a notary. 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 a variety of financial planning and investment services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies across multiple asset classes.

Samuel Radogna is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Outside of his financial advisory role, he is involved in music creation and plays in a band represented by Broadcast Music Inc. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Maria Winters is a financial advisor at Cetera with 12 years of industry experience. She holds a Series 66 designation and has been affiliated with Cetera Advisors LLC since 2013. Winters also operates EM Winters Financial Services, a separate investment-related business, and is a licensed notary public. Cetera is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and provides access to multiple program structures and third-party managers.

Samantha Prusia is a financial professional with seven years of industry experience, currently affiliated with Cetera. She holds the Series 66 designation and has worked at multiple firms including Cetera Advisors and First Allied Securities. Prusia also operates EM Winters Financial Services, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with both discretionary and non-discretionary program options.

Daniel Becker is a CFP® professional with 24 years of experience in the financial industry. He is currently with LPL Financial, where he has worked since 2022. His prior experience includes 15 years at National Planning Corporation and roles at Securities America Advisors and Securities America, Inc. Additionally, Becker is involved in tax preparation and accounting as an enrolled agent. 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 a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies.

William Taylor is a CFP®-credentialed financial advisor with 14 years of industry experience. He is currently with RBC Capital Markets and has prior experience at City National Bank, Bank of America, N.A., and Merrill. Outside of his advisory role, he maintains a social media presence focused on general finance topics unrelated to his firm. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual and institutional investors. The firm offers various advisory programs with tailored investment strategies implemented through both in-house and third-party managers, featuring options for tax management and responsible investing.

Timothy Ferguson is a financial advisor with Equitable Advisors in Columbia, NJ, holding a Series 66 designation and one year of industry experience. His work history includes roles outside finance, such as positions at Pinecrest Lake Golf & Country Club and Knowlton Township Elementary School. Equitable Advisors serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations, providing financial planning and asset management through a network of Investment Adviser Representatives and third-party managers.

Michael Glovas Jr is a financial advisor with Morgan Stanley in Easton, PA, holding a Series 66 credential and four years of industry experience. His work history is primarily with Morgan Stanley Smith Barney and Morgan Stanley Private Bank, spanning from 2017 to the present. Outside of his advisory role, he is involved in house flipping and property management activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analyses to support client financial plans.

Lacey Kozik is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Monte Carlo simulations, to support financial planning outcomes.