Courtney Cargill is a Series 66-licensed financial advisor with Ameriprise in Chesterfield, NJ, bringing 22 years of industry experience. She has been with Ameriprise and its related entities since 2005. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm employs a centralized consulting team that uses a combination of research, modeling, and tax analysis to deliver tailored, algorithm-supported recommendations, primarily for assets held within Ameriprise-managed accounts.

Donald Delmonte Jr. is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. His prior roles include positions at Lincoln Financial Distributors and Guardian Life. Outside of his advisory work, he serves on the Strategic Planning Committee for Medford Township Public School. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning that emphasizes dependable income sources and tax-aware withdrawal strategies through a centralized service team.

Ronald Smith is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His prior experience includes roles at Waddell & Reed, INC. and various insurance carriers over 22 years. He is also involved in a real estate rental business through RRR LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Ali Smith Capparelli is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding Series 63 and Series 66 credentials and having 26 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2006. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

Sean Danks is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. His prior work includes roles at Hightower Trust Company and CutCo Corporation, as well as several positions during his time at the University of Delaware. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored solutions and third-party managers.

Joseph Fermano is a financial advisor with OSAIC, holding a Series 63 designation and over 43 years of experience in the industry. His prior roles include positions at Securities America Advisors, Inc., SECURITIES AMERICA, Inc., and Securities Service Network, Inc. In addition to his advising work, he is the author of a book of inspirational quotations and serves as Board Chair for St. Teresa Regional School in Runnemede, NJ. He also maintains a motivational training and human behavior consulting business. OSAIC serves a broad range of retail and institutional clients through a network of affiliated advisers, offering integrated brokerage, investment advisory services, and access to multiple third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Benjamin Smith is a Series 66-licensed financial advisor with LPL Financial, bringing three years of industry experience. He previously worked at Kestra Investment Services, LLC and has a background that includes four years at the University of Delaware and extensive experience in education within the NVRHS School District. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Jeffrey Pawlik is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1995. He also has a longstanding affiliation with Bank of America since 2013. Pawlik holds fiduciary power of attorney roles managing family-related responsibilities. 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 various model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party portfolio management teams.

Brad Napoli is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has extensive experience in the financial services industry, having worked as an Investment Management Consultant at BlackRock from 2010 to 2019, a Financial Advisor at UBS Financial Services Inc from 2006 to 2010, and a Financial Advisor at Morgan Stanley DW Inc from 2003 to 2006. In his role, Brad focuses on understanding his clients both personally and professionally to help them work toward their financial goals with confidence. Outside of his professional career, Brad's interests include beach activities, family activities, fitness, food, golf, and traveling.

Joseph Pisko Jr. is a financial advisor with Ameriprise in Voorhees, NJ, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Lawrence Liebman is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015, and has worked at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning using structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Edward Bell is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. 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 broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Lawrence Dalessandro is a financial advisor with Edward Jones in Southampton, PA, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. He worked at T. Rowe Price Investment Services, Inc. for 13 years prior to joining Edward Jones in 2024. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a network of approximately 23,701 financial advisors nationwide.

Peter Palazzo is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Ameriprise in Berlin, NJ. He has been with Ameriprise and its affiliated entities since 2013. Ameriprise provides retirement-income planning services tailored to individuals approaching or in retirement, focusing on clients with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations through a centralized consulting team.

Justin Dwyer is a financial advisor with Wells Fargo Advisors, holding Series 65 and Series 66 licenses and two years of industry experience. His prior roles include positions at Concurrent Investment Advisors, Price Financial Management, Allstate, and Equipment Resource. Outside of advising, he contributes freelance articles for a CBD company. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory support with other financial products and referral channels.

Gabrielle Giannopoulos is a financial advisor at OSAIC with six years of industry experience. She holds the Series 66 designation and has prior work history at Lincoln Financial Advisors and Morgan Stanley. Outside of her advisory role, she supports registered representatives in administrative and trading functions through her involvement with INTEGRITY 5 LLC. OSAIC serves a diverse client base that includes individual, high-net-worth, institutional, and nonprofit clients, offering integrated brokerage, advisory, and financial planning services. The firm utilizes a range of asset-allocation tools and third-party platforms to construct and manage diversified portfolios across multiple investment types.

Matthew Donnelly is a financial advisor with Equitable Advisors in Cherry Hill, NJ, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2003, following a tenure at Axa Advisors. Outside of his advisory role, he serves as a board member for the Medford Lakes Colony, where he participates in decisions regarding community infrastructure and maintenance. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that combines advisory and brokerage channels to deliver tailored client solutions.

Joseph Abbruzzi is a financial advisor with LPL Financial in Mount Laurel, NJ, holding Series 63 and 65 licenses and having 41 years of industry experience. He previously worked at RBC Capital Markets Corporation for eight years before joining LPL Financial in 2016. Outside of his advisory role, he is a business owner of Abbruzzi's Italian Market. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management supported by model portfolios and research.

Jack Jibrine is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

Robert Breitner is a financial advisor at LPL Financial in Philadelphia, PA, holding a Series 66 designation with two years of industry experience. His prior work includes roles at American Heritage Federal Credit Union and American Heritage Credit Union. 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. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management supported by LPL Research and third-party subadvisors.