Zak Bissell is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments in various roles since 2015, including Investment Consultant from 2021 to 2024, High Net Worth Service Associate from 2016 to 2021, and Customer Relationship Advocate from 2015 to 2016. As a Certified Financial Planner™, he emphasizes creating sensible plans through meaningful conversations and thoughtful planning to help clients grow, preserve, and live off their wealth. Zak's professional experience spans multiple facets of financial consulting and investment services, reflecting a comprehensive understanding of client needs and financial strategies. Outside of his professional work, he enjoys cooking and baking, exploring culinary experiences as a foodie, and participates in sports such as golf, running, and soccer.

Edward Kovac is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 26 years of industry experience. His prior work includes roles at MetLife Securities Inc and Massachusetts Mutual Life Insurance Company. He serves as a volunteer board member for organizations providing services and information to elderly and sight-impaired individuals. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm structures financial planning as an annual, collaborative process using analytical software and generally recommends investment categories and strategies rather than specific products.

Nadi Beciri is a financial advisor with Charles Schwab in Paramus, NJ, holding a Series 66 designation and six years of industry experience. Prior to joining Charles Schwab and Charles Schwab Bank, SSB in 2021, Beciri worked at Bank of America, Merrill, and David Lerner Associates. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 and discretionary investment options with centralized custody and a distinctive operational model that integrates advisory and brokerage services.

Sonalika Lovato is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 10 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously was with MetLife Securities Inc from 2014 to 2017. Outside of advising, she is also licensed as an insurance agent, offering individual and group life, health, disability, LTC, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management using firm-approved software and structured annual planning relationships.

John Barbary is a financial advisor at LPL Enterprise with 36 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Pruco Securities, LLC for 34 years before joining LPL Enterprise. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and access to a range of brokerage and insurance products via an integrated platform.

John Szot is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked with Primerica Advisors since 2021 and has been affiliated with Primerica Financial Services since 2014. Outside of his advisory role, he serves with the Park Ridge Police Department and owns a small business, Lamplighter Lane LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Richard Koll is a financial advisor with Cetera based in Fort Lee, NJ, holding a Series 66 designation and 34 years of industry experience. His career includes roles at Infinex Investments, Apple Bank, and Navian Capital Securities. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers portfolio management, financial planning, and access to a range of program platforms, employing a multi-manager approach with discretionary and non-discretionary account options.

Todd Kingsbury is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Potomac Commodities Transportation and Stifel Nicolaus & Co Inc. Kingsbury serves as a board member for two charitable organizations focused on community support and education. Merrill provides managed account services to clients of Bank of America through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and charitable organizations.

Daniel Dawson is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63, 65, and 66 licenses and previously worked at Allstate Insurance Co for nine years. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its advisory role to multiple registered investment companies and use of advanced methodologies including AI in portfolio management.

Nicholas Petriello is a CFA® charterholder with 28 years of industry experience. He is currently with OSAIC, having joined in 2025 following a 24-year tenure at Lincoln Financial Advisors Corp. He is co-owner of two insurance-related LLCs, Wealth By Design LLC and Access Benefit Consulting LLC, which offer a variety of insurance products including group medical and accident coverage. OSAIC serves a diverse client base ranging from individual investors to institutional entities, providing integrated brokerage, advisory services, and retirement plan consulting through a large network of affiliated advisers. The firm employs advanced asset-allocation tools and offers portfolios incorporating a broad range of investment options, alongside access to multiple third-party money managers and managed-account solutions.

Reed Karsen is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held various roles including positions at Montclair State University and UPS. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios and manage fund advisory services.

Richard Cutler is a CFP® with 40 years of experience in financial services. He is associated with LPL Financial and has been operating Cutler Financial Services, LLC since 2003. He is also an independent insurance agent offering various insurance products, including property and casualty, health, and long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, and institutions. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Paul Marrero is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Advisors since 2016. Marrero is also the owner of Palisades Wealth Management, an investment-related business based in West Nyack, NY. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and tools to develop customized recommendations.

Jack Habif is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. He also serves as a power of attorney for Sheron Habif in a non-investment capacity. 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 IPS-driven advisory process incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Terence Brady is a financial advisor with LPL Financial in Hackensack, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at LPL Financial since 2004 and teaches at the American School of Business since 2016. Outside of advisory work, he serves as a certified substitute teacher and softball coach for the North Bergen Board of Education and is a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and multiple portfolio strategies.

James Choe is a financial advisor with Merrill in Paramus, NJ, holding Series 63, 65, and 66 licenses and offering 25 years of industry experience. He has worked at Bank of America and Merrill since 2014. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated within Bank of America’s broader corporate platform, providing access to a wide array of financial products and services.

Rosa Mazzone is a financial advisor at RBC Capital Markets with 31 years of industry experience. She holds the CFP® and Series 63 designations. Her work history includes roles at City National Bank and UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through in-house and third-party managers, supported by RBC’s extensive capital-markets capabilities.

Joseph Rosario Sr. is a financial advisor at Merrill with 29 years of industry experience. He has been with Merrill since 2009 and holds Series 63 and Series 65 licenses. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Anita Srivastava is a CFP® with 12 years of industry experience, currently serving at Morgan Stanley. Her background includes roles at Bank of America and Merrill prior to rejoining Morgan Stanley in 2023. She is a board member of the College Club of Northern New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets.

Thomas Teschic Jr. is a financial advisor at Ameriprise with 20 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, offering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to tailor retirement income plans, primarily for clients with significant assets under management at Ameriprise.