Joseph Dovidio is a financial advisor at Ameriprise with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing from 2016 to 2022. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides clients approaching or in retirement with written recommendation reports and ongoing annual planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Nicholas Maciolek is a Financial Advisor with Merrill Lynch Wealth Management, where he is a member of the SM Group. He began his career with Merrill in 2014 in the Merrill Edge Advisory Center, obtaining the necessary securities licenses and assisting clients in achieving their financial goals for four years before transitioning to Merrill Lynch Wealth Management in 2018. Nicholas holds the Chartered Financial Analyst (CFA®) designation, the Chartered SRI Counselor™ (CSRIC®) designation, and the Personal Investment Advisor (PIA) credential. He earned bachelor's degrees in Mathematics and Economics from Rutgers University. His expertise encompasses areas such as personal retirement planning, portfolio management services, socially responsible and ESG investing, college education planning, legacy planning, and managing new wealth. Outside of his professional responsibilities, Nicholas resides in Hamilton, New Jersey with his bernedoodle, The Dude. He values spending time with family and friends and is an enthusiast of sports, supporting the Philadelphia Eagles and other Philadelphia-area teams.

Alison Longley is a financial advisor at Morgan Stanley with 13 years of industry experience. She has held positions at Morgan Stanley Private Bank and Morgan Stanley since 2017, and previously worked at TPG Direct, UBS Financial Services, and Merrill. She holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analyses such as Monte Carlo simulations to support its financial planning process.

Thomas Mackuse is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and six years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo NA prior to joining J.P. Morgan Chase Bank in 2023. 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 searches, and customized performance reporting. The firm employs a centralized due diligence process and may incorporate ESG criteria in its recommendations.

Britany Enelow is a financial advisor with LPL Financial based in Ewing, NJ, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at MassMutual Investors Services, MassMutual Life Insurance Company, and Ameriprise Financial Services. She is also involved with the Credit Union of New Jersey through an investment and insurance services entity. 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, retirement advice, and institutional platforms, supported by a large network of advisors and diverse financial products.

Leonard Cherry is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Mass Mutual Investors Services since 2011, having worked at MassMutual Life Insurance Co since 2001. Outside of his advisory role, he is involved in selling insurance policies. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual, collaborative relationships and offers a range of planning programs including divorce and estate-settlement planning.

Keith Wagner is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and five years of industry experience. He has worked at Raymond James since 2021 and previously held positions at Insight Global and Ursinus College, among others. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Leonard Cohen is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, focusing on structured financial planning supported by firm-approved tools and broad investment capabilities.

Richard Jagodzinski is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings over 30 years of experience working with families, business owners, and executives to help them meet their financial goals. His approach centers on building personal relationships and collaborating with clients’ CPAs, estate and tax attorneys, and other experts to deliver comprehensive wealth management strategies. Richard holds a Bachelor’s degree from Guilford College and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise covers areas such as college education planning, family wealth management, legacy planning, retirement income, portfolio management, and managing new wealth. Outside of his professional role, Richard is involved with The Tender Adult Day Center and participates in his community through First United Methodist Church in Moorestown, NJ. His personal interests include basketball, golfing, traveling, and spending time with family and close friends.

Michael Orihel is a financial advisor at LPL Financial with 15 years of industry experience. He holds a Series 66 designation and has worked at firms including BlackRock Investments, Morgan Stanley, Mass Mutual Life Insurance, and Prudential Insurance. 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, supporting advisors with advanced research and operational tools.

Ralph Puzio is a financial advisor at Mercer Financial Group, Inc. in Trenton, NJ, with 42 years of industry experience. He holds a Series 63 designation and has worked with U.S. Discount Brokerage, Inc. and Jefferson Pilot Securities Corporation for over two decades. His other business activities include tax preparation, insurance and annuity sales, and financial planning. Mercer Financial Group, Inc. is a single-advisor independent firm serving individual clients with portfolio management and related advisory services, typically on a primarily non-discretionary basis. The firm manages approximately $11.5 million in assets across 12 client accounts and is noted for its combination of advisory, brokerage, accounting, and insurance relationships.

Timothy Spuler is a Chartered Financial Consultant (ChFC®) and holds a Series 65 license, with eight years of experience in financial advisory services. He is the sole advisor at TruVine Financial, LLC, which he founded in 2017, following a 35-year career at Cardone Industries, Inc. In addition to financial planning and investment advisory, he provides business consulting in finance, supply chain, and general business operations to several companies. TruVine Financial is an independent, state-registered firm serving individual and high-net-worth clients through financial planning and portfolio management. The firm emphasizes diversified equity and fixed-income strategies tailored to client objectives and risk tolerance, with research conducted in-house and a primary focus on financial education.

James Freed is a financial advisor with Sitman, Freed & Co. LLP and holds a Series 63 designation. He has 20 years of industry experience and has been associated with Sitman, Freed & Co. LLP since 1999 and Legg Mason Wood Walker, Incorporated since 2001. Sitman, Freed & Co. LLP is a Certified Public Accounting firm that provides accounting, tax, and related professional services to individual and entity clients. The firm is registered as an investment adviser but does not provide direct investment management, instead referring clients to a broker-dealer for securities and advisory services under a solicitor arrangement.

Gilbert Varnes Jr. is a financial advisor with Gcvsvc1 LLC, holding Series 63 and Series 65 licenses and 24 years of industry experience. He worked at U.S. Allianz Securities, Inc. from 1999 to 2006 and Multi Financial Securities Corporation from 2006 to present. Outside of his advisory role, he is involved in tax services, credit repair, and serves as a notary public. Gcvsvc1 LLC is an independent firm serving clients with personalized financial solutions.

Theodore Zimmerman is the sole advisor at T.E. Zimmerman, Investment Services in Langhorne, PA. He holds a Series 63 designation and has experience in real estate, insurance, and personal and business management services dating back to 2006. Outside of investment management, he is active as a real estate agent and provides accounting and bookkeeping services. T.E. Zimmerman, Investment Services offers discretionary investment management primarily for pooled vehicles and institutional mandates. The firm serves a diverse client base, including sovereign wealth funds, pension plans, and both high-net-worth and non-HNW individuals, and combines traditional investment services with licensed real estate and insurance brokerage activities.