Todd Kingsbury is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Potomac Commodities Transportation and Stifel Nicolaus & Co Inc. He serves on the boards of the D C K Endowment Fund Inc. and HomeWorks Trenton, Inc., an organization focused on education and housing for women in marginalized communities. Merrill, along with its affiliate Managed Account Advisors LLC, 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 for individuals, high-net-worth clients, and various institutional investors.

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 has been with OSAIC since 2025 and previously worked at Lincoln Financial Advisors Corp for 24 years. He is a co-owner of two consulting businesses that offer insurance and group medical coverage services. OSAIC serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm provides a range of brokerage and advisory services through a multi-advisor platform, with an investment process centered on model-based asset allocation and portfolio optimization.

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®-certified financial advisor with 40 years of industry experience. He currently works with LPL Financial and has previously been affiliated with Linsco/Private Ledger Corp., Cutler Financial Services, LLC, and Nathan & Lewis Securities, Inc. In addition to his advisory work, Cutler is an independent insurance agent specializing in property and casualty, business, health, and disability insurance products. 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 advisory and brokerage services through a large network of representatives, utilizing various investment models, third-party asset managers, and customized strategies.

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.

Pamela Wetherbee is a CFP® professional with 24 years of experience in the financial industry and has been with Ameriprise since 2011. She holds Series 63 and Series 65 licenses. Outside of her advisory role, she serves as the finance secretary for Fishkill United Methodist Church and is the First Vice Chair of her local Democratic Committee. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Jack Habif is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering 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 provides both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Terence Brady is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with LPL Financial since 2004. In addition to his advisory role, he has taught at the American School of Business for over ten years and serves as a certified substitute teacher and softball coach for the North Bergen Board of Education. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

James Choe is a financial advisor with Merrill in Paramus, NJ, holding Series 63, Series 65, and Series 66 credentials and bringing 25 years of industry experience. He has worked at Bank of America N.A. and Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions. The firm utilizes internal Chief Investment Office teams and third-party managers to implement tailored portfolio solutions.

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 with Merrill in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been with Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anita Srivastava is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds the CFP® designation along with Series 65 and Series 63 licenses. Her prior experience includes roles at Bank of America, Merrill, and multiple positions within Morgan Stanley since 2014. Outside of her advisory work, she serves as a board member of the College Club of Northern New Jersey. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach involves structured planning processes and a variety of investment and financial services.

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.

Robert Egan is a CFP® professional with 19 years of industry experience. He is currently with Cambridge Investment Research Advisors and has previously worked at firms including Cetera Advisors LLC and First Allied Advisory Services. He is the founder of EP Wealth Management, LLC, and Northstar Wealth Planning, as well as a co-founder of Alpha Goose, LLC. Cambridge Investment Research Advisors, Inc. serves a diverse group of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and offers a range of account platforms, discretionary and non-discretionary management, third-party adviser access, and proprietary model strategies.

Mark Fleksher is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at several firms, including a long tenure at Securities America Advisors, Inc., and operates Prestige Wealth Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services through a large network of advisors, utilizing various portfolio strategies and technology tools while overseeing substantial discretionary assets.

Ashley Cassera is a financial advisor at Fidelity with 19 years of industry experience. She holds the Series 66 designation and has been with various Fidelity entities since 2007, including Fidelity Personal and Workplace Advisors and Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios using systematic methodologies.

John Murphy is a financial advisor at Osaic Wealth with 39 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at firms including American Portfolios Advisors, HSBC Bank USA, J.P. Morgan Securities, and Chase Investment Services. He is also licensed to sell insurance products, including fixed annuities. OSAIC Wealth serves a diverse client base, including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization tools, and access to third-party money managers across multiple platforms.

Joshua Bakhash is a financial advisor with LPL Financial in Woodcliff Lake, NJ. He holds a Series 66 designation and has 18 years of industry experience, including more than 19 years with LPL Financial. He also holds a real estate license in New Jersey, though he is not actively engaged in real estate activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and advisory services, including model portfolios and third-party asset management, supported by technology-driven research and operational tools.

Paul Donato is a financial advisor with LPL Financial, holding a Series 63 designation and 17 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities. Donato operates under the DBA Empire Financial Advisors for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.