Craig Livoti is a CFA® charterholder with 20 years of industry experience, currently affiliated with Wells Fargo Clearing. His prior roles include positions at Morgan Stanley, Invesco Distributors, Inc., and Oppenheimer Funds. He serves as a board member for the St Vincent Martyr School HSA, a private Catholic school in Madison, New Jersey. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Georgios Pefanis is a financial advisor at J.P. Morgan Securities with Series 66 registration and one year of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, TG Administration LLC, Bayonne Golf Club, Richmond Ave Gardens Inc., and Baruch College. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Jefferson Holguin is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2022. His prior experience includes roles at TD Ameritrade Investment Management, LLC and TD AMERITRADE, Inc. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Ruth An Eubanks is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and also has experience with Wells Fargo Bank, NA dating back to 2013. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Pirrello is a CFP® with 31 years of experience in the financial services industry. He is a partner at Mill Ridge Wealth Management, LLP and has worked at Raymond James Financial Services Advisors, Inc. since 2018. His prior experience includes six years with Ameriprise Financial Services, Inc. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm provides financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations.

James Angiuli is a CFP® with 28 years of experience in the financial services industry. He is currently with LPL Financial, having joined in 2024, and previously worked at Wells Fargo Advisors and Fidelity in various advisory roles. Outside of his advisory work, he is a licensed notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides financial planning, various advisory programs, and retirement plan consulting, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Robin Catanio is a financial advisor with Ameriprise in Flemington, NJ, holding a Series 66 designation and having 21 years of industry experience. His career includes six years at Merrill and multiple roles within Ameriprise since 2018. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support client planning within a large institutional framework that also offers advisory, brokerage, and insurance solutions.

Aradhana Dhakal is a Series 66-credentialed financial advisor at Edward Jones with seven years of industry experience. She previously worked at Goldman Sachs Group, Inc. for two years before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Thomas Smedley is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is involved in property rental in Manville, New Jersey. Morgan Stanley Wealth Management serves individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and investment models.

Daniel Ramer is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory work, he serves as treasurer for the Jewish Family Service of Central New Jersey, where he oversees the finance committee and collaborates on budgeting and financial planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor client plans. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets services alongside fiduciary financial planning.

Jack Leloia is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His work history includes multiple roles at Fidelity Investments and prior involvement with Dynamic Earth LLC. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Todd Gordon is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been focusing on asset management for individuals, families, and retirement planning for business owners since 2017. He leads the Sentinel Team at the Summit, NJ branch, alongside his business partner and support staff. The team has been recognized on the Forbes "Best-in-State Wealth Management Teams" list for 2023, 2024, and 2025. Mr. Gordon has over 26 years of experience in the financial industry. He began his career as a fixed income specialist at Gibraltar Securities, which became RBC Dain Rauscher. He has also held positions as Vice President in the Private Client Group at Bear Stearns and Senior Vice President at Morgan Stanley prior to joining Merrill Lynch. His areas of expertise include college education planning, executive compensation, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. He earned his bachelor's degree from Syracuse University and holds FINRA series 7, 63, and 65 registrations, life insurance licenses, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Mr. Gordon resides in Short Hills, NJ with his wife and two children. His personal interests include cooking, golfing, hiking, and running.

Jack Riley is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has been with UBS Financial Services since 2013. Outside of his advisory role, he co-owns a beach home in Rehoboth Beach, Delaware. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations with research from its Chief Investment Office and Global Research teams to tailor client plans. The firm provides a range of services including portfolio management, financial planning, and capital markets activities, operating as both an investment adviser and broker-dealer.

Rocco Domicolo is a financial advisor at Cetera with 41 years of industry experience. He holds Series 63 and Series 66 designations. His prior firms include Ameriprise Financial Services and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Alan Jacobson is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory role, he is involved in managing a seasonal weekly rental property in Holgate, New Jersey. 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 services. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and methodologies.

Peter Schoenenberger is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab since 2016. 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by centralized supervisory and custody arrangements.

William Huntley is a financial advisor at Ameriprise with two years of industry experience. He holds the Series 66 designation and has previously worked in various roles, including positions at Merri Makers Caterers, Barrel and Roost, Lafayette College, ShopRite, Trump National Golf Course, and Christian Brothers Academy. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Wilson Munoz is a Series 66 credentialed financial advisor with 14 years of industry experience. He has worked at OSAIC since 2024 and previously spent seven years with Securities America Advisors and Securities America Inc., as well as 11 years with Guardian Life Insurance Company. Outside of his advisory role, Munoz manages a youth soccer training and event organization and owns an insurance agency that provides various support services. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers a range of brokerage and advisory services using proprietary asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Lauren Waletzki is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo in 2024, she worked at KPMG from 2022 to 2024 and was affiliated with Stevens Institute of Technology from 2018 to 2022. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is guided by investment policy statements and modern portfolio theory, and it includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Jim Boyle is a Financial Consultant currently working at Fidelity Investments since 2024. He collaborates with clients to establish and implement financial plans tailored to their goals, and regularly reviews these plans to ensure ongoing alignment and improvement. Jim's professional experience spans several roles in the financial services industry, including Planning Consultant at Fidelity Investments from 2022 to 2024, Financial Advisor positions at Cetera Investment Services LLC and LPL Financial LLC, and roles as a Financial Services Professional at MML Investors Services, LLC and Signator Investors, Inc. He holds a California Insurance License. Outside of his professional work, Jim has interests in baseball, football, soccer, movies, reading, and participating in family activities.