Michael Macieira is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His prior roles include long-term positions with Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved with Roman Insurance Agency Inc., where he sells and services property and casualty insurance products. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, 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 insurance services through affiliated entities.

Michael Delcalzo II is a financial advisor with J.P. Morgan Securities in West Orange, NJ. He holds Series 63 and Series 66 licenses and has six years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, as well as prior positions in mortgage and financial services. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Phillip Shetsen is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at Prudential Insurance Company of America and Pruco Securities, LLC prior to joining LPL Enterprise. Outside of his advisory role, he operates Bona Vita Benefits Group, providing consultative solutions for individuals and business owners. LPL Enterprise serves a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers services such as financial planning, access to third-party asset managers, and participation in wrap programs.

Theresa Kohles is a financial advisor with LPL Financial in Hackensack, NJ, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. Her career includes prior roles at Private Portfolio Partners, LLC and Guardian Life. She is a partner at ABT Associates, where she is involved in tax preparation, accounting, and bookkeeping. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Jae Oh is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at Prudential Insurance Company of America since 2004 and was affiliated with Pruco Securities, LLC for 20 years. Outside of advisory services, he is involved in the sale of property and casualty insurance business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through an extensive network of investment adviser representatives.

Patrick Mannion is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he was involved with Ridgewood Party Rental and has held roles at Bucknell University and Ridgewood Country Club. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs that include tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that combine broad retail and institutional investment capabilities.

Charlene Sasso is a financial advisor with LPL Enterprise and holds Series 63 and Series 65 designations. She has 12 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists.

Owen Corry is a financial advisor at OSAIC with one year of industry experience. He holds the Series 66 designation and has worked at Janney Montgomery Scott and the New Jersey Institute of Technology among other roles. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services and utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes.

Joseph Saccomanno is a financial advisor with Equitable Advisors in Saddle Brook, NJ, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Equitable Advisors since 2009, including time under the AXA Advisors name prior to rebranding. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing a combination of firm-offered programs and referrals to third-party asset managers.

Steven Klimaszewski is a CFP® with 34 years of experience in financial services. He is affiliated with MassMutual Investors Services and has worked with J. Matrik Wealth Management since 2003, where he is also principal and founder. His background includes 20 years with Kestra Advisory Services and Kestra Investment Services. Outside of advisory work, he is licensed to sell life, disability, long-term care, fixed annuities, and health insurance products. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, emphasizing structured, collaborative planning engagements tailored to client goals.

Michael Koskuba is a financial advisor at LPL Financial with 26 years of industry experience. He has previously worked for Victory Capital Advisers and Victory Capital Management for 22 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary and third-party investment strategies across discretionary and non-discretionary accounts.

Jackson Kuwata is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds a Series 66 designation and has worked at MassMutual Life Insurance Co and Mass Mutual Investors Services since 2024. Prior to his advisory role, he has experience at Amazon and Bridge Street Premium Ice, and he has a background that includes studying at the University of Delaware. Kuwata also works as an insurance broker in life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements with a broad range of client types.

Peter Tuffy is a financial advisor with Ameriprise in Yonkers, NY, holding Series 63 and 65 licenses and bringing eight years of industry experience. He has been with Ameriprise since 2016 and also operates Tuffy & Associates, a business active since 2003. Outside of his advisory roles, he is involved in fiduciary activities and serves as an agent named in a health care directive or living will. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm provides written, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis, combining automated algorithms with oversight from a dedicated retirement income consulting team.

David Colin is a CFP®-credentialed financial advisor with 17 years of industry experience. He has worked at Raymond James & Associates since 2020 and previously spent 10 years at UBS Financial Services. Outside of his advisory role, Colin serves on the Emerson Shade Tree Commission. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services through non-discretionary relationships supported by comprehensive research and multiple portfolio management approaches.

Stephon Watson is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. He previously worked at Wells Fargo Clearing and JPMorgan Chase Bank, N.A. Outside of finance, he is involved in visual art through a private business where he creates various works a few hours a week. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Christine Contursi is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and proprietary planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Michael Andrito is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2015, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, he worked as a Wealth Management Trainee at Global Arena Capital in 2015. Michael is a CERTIFIED FINANCIAL PLANNER™ and holds a California Insurance License. He focuses on developing customized financial plans designed to grow and protect clients' wealth. Outside of his professional role, Michael enjoys football, hiking, music, outdoor adventures, running, and snowboarding.

Dean Kantzos is a financial advisor at Cetera with 24 years of industry experience. He holds a Series 66 designation and has held roles at Avantax Advisory Services, Avantax Investment Services, and 1st Global Advisors, among others. Kantzos is also the founder of Dean Financial Group, a financial services firm based in Glen Rock, NJ. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party managers.

Lenay Courtwright is a financial advisor with Ameriprise in Westwood, NJ, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2000. Outside of her advisory role, she is employed as a sales person at a retail loft in Paramus Park Mall. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm provides comprehensive, research-driven recommendation reports and a range of advisory, brokerage, and insurance solutions through its affiliated companies.

Joseph Murdaco is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His work history includes positions at Bank of America, Merrill, TD Bank, American Tire and Auto Care, and Seton Hall University. 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 strategies for individuals, high-net-worth clients, and institutional investors.