Richard Hausler is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at UBS Financial Services Inc for 11 years before joining Wells Fargo Clearing in 2021. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Gregory Stelnick is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 43 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1989 and has been with Master Tax since 1981. Outside of his advisory work, he is involved in real estate rental through Napa Properties. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services supported by extensive investment platforms and operational tools, managing over $819 billion in discretionary assets across more than 22,800 advisors.

Michael Stevens is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, Stevens has sole ownership of Alpha Wolf LLC, an investment-related business based in Anaconda, Montana. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Barbara Siegel is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo Advisors and its affiliated entities since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored recommendations for clients.

Ronald White is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at IC Advisory Services Inc, The Investment Center Inc, Wells Fargo Clearing, and Banc of America Investment Services, Inc. Outside of his advisory work, he is involved in businesses including pest control and fireplace services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory services, including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Matthew Mandile is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. His prior roles include positions at Korn Ferry International, Trilogy International, Robert Half, and involvement with the New York City Football Club and New York Jets. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies.

Timothy Minafo is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has prior experience at Wachovia Bank, N.A., Chase Investment Services Corp., and RBC Capital Markets. Outside of his advisory role, he owns and operates the Tinton Falls Diamondbacks travel baseball team. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions utilizing research and diversification principles.

Frankie Plasencia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and with 10 years of industry experience. He has been with Wells Fargo in various capacities since 2013. Outside of his advisory role, he owns and operates Nationwide Universal Auto Sales and Nationwide Universal Auto Services, businesses involved in vehicle sales and maintenance. 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 provides both brokerage and advisory solutions supported by extensive research and analytics.

Frank D'erasmo Jr. is a Series 66-registered financial advisor with Ameriprise, where he has worked for five years. He has eight years of industry experience, including previous roles at Equitable Advisors and AXA Advisors. Outside of his advisory work, he owns Junior Ventures, LLC, through which he manages his Ameriprise business. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Steven Kochenour is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Armando Patino is a financial advisor at LPL Enterprise with four years of industry experience. He holds a Series 66 designation and has prior experience with Prudential Insurance Company of America, Pruco Securities, LLC, and Liberty Mutual. Outside of his advisory role, he is involved with Be Well Financial LLC, a financial planning and health insurance business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, employer-sponsored retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Joe Loiodice is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 designation and has previously worked at Bernstein Institutional Services LLC, AllianceBernstein Investments, Inc., Alliance Bernstein L.P., and Four Springs Capital 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 approximately $671 billion in assets and offers both brokerage and advisory solutions.

Joselito Aquino is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill, Bank of America, UBS Financial Services, and JPMorgan Securities. 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 offers both brokerage and advisory solutions.

Michael Studer is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following a prior position at A. G. Edwards & Sons. Outside of his advisory work, he is involved with the United States Amateur Baseball League. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering investment and fee-based financial planning services. Advisors use Wells Fargo research and planning tools to develop tailored recommendations, covering a broad range of planning needs including retirement, education, and special situations such as business-owner transition and sports planning.

Curtis Mullins is a financial advisor with Osaic, holding a Series 66 designation and 23 years of industry experience. His career includes roles at Edward Jones, J.P. Morgan Securities, Chase Investment Services Corp., and Merrill. He is active in his community as the secretary of the Rotary Club of Old Bridge Sayreville. Osaic Wealth serves retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and various managed portfolio programs. The firm employs model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and offers both discretionary and advisor-managed strategies.

Courtney Schiavo is a financial advisor at OSAIC with 13 years of industry experience. She holds a Series 66 designation and previously worked for Lincoln Financial Advisors for 12 years before joining OSAIC in 2025. OSAIC Wealth serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporations, offering both brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing access to a range of investment strategies and third-party managers.

Patricia Trotta is a financial advisor at Ameriprise with 16 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Prudential Insurance Company of America and LPL Enterprise. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, delivering tailored recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Katherine Dobin is a financial advisor at LPL Enterprise with 19 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Ameriprise, Wells Fargo Clearing, and Wachovia Bank. Outside of her advisory role, she owns a pet grooming business, Bayshore Barks Pet Grooming LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in a wrap program.

Harry Appel is a financial advisor with Cambridge Investment Research Advisors holding Series 66 and Series 63 licenses and has 15 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2022 and previously spent nine years at United Planners' Financial Services. Outside of his advisory role, he owns Parkwood Associates, where he provides life insurance services and pension consulting. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a network of thousands of financial professionals. The firm employs both discretionary and non-discretionary management approaches and provides access to multiple platforms and proprietary model strategies.

Timothy Korwin is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. He has 10 years of industry experience, including prior roles at Merrill, Bank of America, and MetLife Securities. He also works as an insurance broker in health insurance sales. MassMutual Investors Services operates as a broker-dealer and registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved tools and collaborative annual planning relationships.