Roger Golinski is a Financial Consultant at Fidelity Investments, a position he has held since 2019. In this role, he focuses on understanding each client's unique goals and priorities to provide tailored financial guidance. Prior to joining Fidelity, he worked at USAA from 2014 to 2019, initially as an Investment Services Representative and later as a Senior Financial Advisor. Throughout his career, Roger has developed experience in financial consulting and investment services. His approach involves taking the time to understand clients' individual circumstances to align financial strategies with their objectives. Specific details regarding his education and credentials were not provided.

Michael Ragg is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Equitable Advisors and AXA Advisors. Outside of his advisory role, he engages in selling items acquired on clearance and handles related logistics in his free time. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of investment vehicles and model portfolios.

James Cramer is a financial advisor with Edward Jones in Pompton Plains, NJ, holding Series 63 and Series 66 designations and possessing 22 years of industry experience. He has been with Edward Jones since 2003. 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 discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

William Bajakian is a financial advisor at Primerica Advisors with 34 years of industry experience. He has been with Primerica Financial Services since 1991 and with Primerica Advisors since 1990. Bajakian is registered with Series 63 and Series 65 licenses. His other business activities include sales of investment-related products and referrals for home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap fee structure.

David Evans is a financial advisor at Cetera with 24 years of industry experience and holds a Series 66 designation. He previously worked at Avantax Investment Services and 1ST Global Advisors, and maintains a long-standing role with Nisivoccia & Co. LLP. Evans also serves as a referring partner at Nisivoccia Wealth Advisors, a firm providing financial services to clients. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and manages over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Constantino Di Taranto is an advisor with LPL Financial, holding a Series 66 designation and beginning his industry career in 2026. Prior to joining LPL Financial, he worked at Northern Advisory Group and Merit Homes, and he has experience in education at various schools including Kinnelon High School and Pearl R Miller Middle School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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, with access to model portfolios, research, and various investment management options.

Philip Thampan is a financial advisor at Equitable Advisors with 34 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC, where he worked for 21 years. He holds Series 63 and Series 65 licenses. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

James Stein is a CFP®-certified financial advisor with 44 years of industry experience. He is currently with Ameriprise and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stein holds Series 63 and Series 65 licenses. Ameriprise provides a retirement-income planning service tailored for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm supports a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Guy Fernald is a financial advisor with Cetera, holding a ChFC® designation and the Series 66 license, and has 19 years of industry experience. He has worked with Avantax and 1st Global prior to joining Cetera in 2025. In addition to his role at Cetera, he serves as a financial advisor with Nisivoccia LLP and Nisivoccia Wealth Advisors, LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple portfolio management options through a multi-manager platform and supports both discretionary and non-discretionary program structures across various custodial relationships.

Jason Hollowell is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank since 2017, following prior roles at PNC Investments LLC and PNC Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with affiliated brokerage, distribution, and investment management capabilities.

Danny Izquierdo is a financial advisor with Merrill in Clifton, NJ, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he is the sole owner of a rental property business. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Dipierno is a financial advisor with LPL Financial in Nutley, NJ, holding a Series 66 designation and bringing 22 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he engages in tax preparation and accounting on a limited basis. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing discretionary and non-discretionary management, model portfolios, and research from LPL Research and third-party subadvisors.

Lawrence Marciano III is a financial advisor at LPL Financial with 28 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Ameriprise Financial Services, Inc., The Investment Center Inc, and IC Advisory Services Inc. He is involved with Prestige Family Wealth Advisors, providing tax preparation and accounting services related to investments. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Brendan Fitzpatrick is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he worked at Steward Partners Global Advisory LLC and has experience in various roles outside the financial industry. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines algorithmic automation with personalized reviews to deliver tailored retirement income advice.

Edward Cugno is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His prior roles include positions at Cetera and The Provident Bank. Outside of his advisory work, he is active as a high school and recreational soccer coach and is a licensed notary in New Jersey. LPL Financial serves a broad client base, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party research, and various management approaches.

Edward Giblin is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has prior experience with Massachusetts Mutual Life Insurance Company and MetLife Resources. Outside of his advisory role, he serves as a trustee for the John J. Giblin Civic Association and is involved in insurance brokerage through Giblin Financial, LLC. 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 emphasizes collaborative, annual financial planning engagements and offers various programs including educational seminars and event-driven planning services.

Ralph Courtland is a CFP® with 24 years of industry experience, currently serving at Wells Fargo Advisors. He has worked in various roles within Wells Fargo firms since 2009. Outside of advising, he teaches financial management courses at Marist College and delivers Series 65 prep instruction, in addition to writing articles for Mises.org. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include niche areas such as business-owner transition and special-needs planning. The firm integrates advisory services with other financial products and referral channels.

Adam Tett is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill and Bank of America, N.A. since 2015. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Matthew Coughlin is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018, with prior roles at PNC Investments, Santander Bank, Santander Securities, and TD Ameritrade. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Paul Modafferi is a Senior Financial Advisor specializing in family wealth management. He works with clients to create personalized financial strategies that reflect their unique goals and adapt to changing market conditions. Paul draws upon the investment insights of Merrill Lynch Wealth Management and the banking solutions of Bank of America to provide comprehensive guidance across areas such as education planning, legacy planning, retirement income, and tax minimization. With a focus on understanding clients’ financial situations and priorities, Paul begins each relationship by identifying key objectives and customizing approaches accordingly. He employs tools like Merrill’s Investment Personality Assessment to better tailor investment strategies. Paul holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Centenary University. Paul follows Merrill’s tradition of community involvement and dedicates time to volunteering with local organizations. Outside of his professional work, he enjoys football, golfing, hiking, music, reading, spending time with family, traveling, and watching movies.