Nicole Monte is a Series 65-licensed financial advisor with Primerica Advisors, bringing 18 years of industry experience. She has been with Primerica Advisors since 2007 and also operates Joseph Michael Monte, LLC, an investment-related business. Outside of her advisory role, she is involved in referral activities for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed accounts. The firm employs a curated third-party asset manager platform with a tiered wrap-fee structure and delegates trading responsibilities to BNY Mellon Advisors.

Samuel Stroud III is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 licenses and bringing five years of industry experience. Prior to joining Cambridge, he worked at SEI Investments for five years and has experience at several other financial firms. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through a large network of financial professionals and multiple investment platforms.

Michelle Madsen is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and over 20 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, she was with Citigroup Global Markets from 2005 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages significant client assets and employs a structured planning process using firm-approved tools and market modeling techniques.

Marion Cuff is a financial advisor at OSAIC with 37 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at FSC Securities Corporation for over two decades. Outside of advising, she serves as a trustee for the Seneca Lake Club, Inc., where she participates in decision-making for the lake association. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform with a model-based investment process emphasizing asset allocation and portfolio optimization.

Joseph Reed is a financial advisor at LPL Financial with 18 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at 1st Global Advisors, Inc. and 1st Global Capital Corp. Reed is also a partner at CKW Advisors, LLC, an investment-related 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 financial planning, managed portfolio programs, and institutional platforms, providing advisory services through a large network of investment adviser representatives.

Barry Morris is a CFP® professional with 17 years of industry experience, currently serving at Cetera. His prior career includes roles at Avantax Investment Services, Avantax Advisory Services, and Avantax Insurance Agency. Outside of his advisory work, he owns ROCMOR Financial Services, which provides tax preparation, accounting, and financial services, and serves as an elected volunteer board member for The Sheen Center for Thought & Culture. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors offering a range of services including portfolio management, financial planning, and retirement plan consulting. The firm serves individual, retirement plan, corporate, charitable, and institutional clients through multiple investment platforms and program structures.

Onel Gonzalez is a financial advisor with Merrill in Florham Park, NJ, holding a Series 66 designation and eight years of industry experience. His prior experience includes roles at UBS Financial Services Inc. and The Chatham Club. Merrill and its affiliate Managed Account Advisors LLC provide managed account services through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Richards is a CFP® professional with 36 years of experience in the financial industry. He has worked at Charles Schwab since 2019 and previously spent 25 years at Citigroup Global Markets. Richards holds Series 63 and Series 65 licenses and is based in Montville, NJ. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by Schwab’s Center for Financial Research.

Nancy Levy is a financial advisor with Wells Fargo Clearing in Short Hills, NJ, holding a Series 63 designation and 43 years of industry experience. She has previously worked at Merrill from 2010 to 2013 and has been with Wells Fargo Clearing since 2016. 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 manages approximately $671 billion in assets across more than 14,000 advisors and offers both brokerage and advisory solutions.

David Rose is a financial advisor with UBS Financial Services in Short Hills, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior roles include positions at Morgan Stanley and Citigroup Global Markets. Rose serves as trustee for multiple trusts related to investing lawsuit settlement proceeds and volunteers as a poll worker for the Morris County Board of Elections. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, employing proprietary capital market assumptions and research to tailor investment strategies. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Shaun Lehrer is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley for 13 years. Between 2023 and 2025, he was also involved with Orgo LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by a centralized due diligence process and a focus on eligible strategies that may include ESG considerations.

Mitchell Work is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and over 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Citigroup Global Markets from 2002 to 2009. 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 manages approximately $671 billion in assets and employs more than 14,000 financial advisors, offering both brokerage and advisory solutions.

Stephen Galli is a CFP® with 23 years of industry experience, currently serving as a financial advisor with Cetera. His career includes roles at Avantax, Nisivoccia Wealth Advisors, and 1st Global Advisors. He is a board member of WJM Associates, a firm focused on executive coaching and development. Cetera Investment Advisers LLC is an SEC-registered advisor supporting a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures.

Rachel Schwarz is a financial advisor with UBS Financial Services in Short Hills, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with UBS since 2013. Outside of her advisory work, she serves on the board of directors for the Greater Newark Conservancy, participating in educational programs and budget reviews. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining model-based asset allocations and proprietary research to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and market-making.

George Nordstrom is a financial advisor with Cetera, holding a Series 66 designation and 16 years of industry experience. He has been with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. In addition to his advisory role, he is also an insurance agent selling life insurance and annuities. Cetera Investment Advisers LLC is an SEC-registered firm that offers services to individual clients, retirement plans, corporate and charitable organizations, and institutional accounts through a large nationwide network of independent advisors. The firm provides a multi-manager platform with a range of investment solutions, including discretionary and non-discretionary portfolio management and access to third-party money managers.

Kushal Renjen is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. His prior work includes roles at BWG Strategy, Fidelity Investments, and Stevens Institute of Technology. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and Corporate Financial Planning agreements.

Joseph Johnston Jr. is a financial advisor with J.P. Morgan Securities in Newton, NJ, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked with J.P. Morgan Securities since 2012 and has been affiliated with JPMorgan Chase Bank, NA since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG considerations, and offers broad derivatives and commodities capabilities.

Owen O Keefe is a financial advisor at Merrill with Series 63 and Series 65 licenses and two years of industry experience. He has held various positions since 2016, including multiple roles at Bryant University and work in property management. Outside of advising, he is an investor in Boneworks Real Estate. Merrill, along 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Scheine is a financial advisor at Wells Fargo Advisors with Series 63 and Series 65 credentials. He has been with Wells Fargo Advisors since 2025 and has prior experience in real estate and financial planning roles at several firms, as well as teaching positions at the University of Delaware. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Sebastian Ardaix is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, MongoDB, Navatar, Onna, BetterCloud, and Strategic Consulting LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.