Matthew Fazendeiro is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2025, he worked at Park Avenue Securities and Guardian Life Insurance Agency. His background also includes roles at the Food and Drug Administration and Fairleigh Dickinson University. LPL Financial serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations, offering diverse advisory and brokerage services supported by model portfolios and research from multiple sources.

Nicholas Glensor is a financial advisor with Merrill, holding Series 66 and Series 63 credentials and seven years of industry experience. He has been with Merrill since 2018 and previously worked at Rowan University from 2014 to 2018. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers model-based and discretionary investment strategies integrated within Bank of America’s corporate platform.

Justin Winkelman is a financial advisor with Mass Mutual Investors Services in Warren, NJ. He holds Series 65 and Series 63 licenses and has five years of industry experience. His prior work includes roles at Mutual of Omaha Investor Services, H. Beck Inc./Grove Point Investments, and AXA/Equitable Advisors. Winkelman has experience in the restaurant industry, having worked at Krave Restaurant and Kroghs Restaurant and Brew Pub. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that operates as a subsidiary of MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Joseph Cataldo is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. Prior to joining Raymond James in 2019, he worked at Morgan Stanley for 11 years. He is also the owner of Iron Ridge Wealth Management Group, a support company based in Basking Ridge, NJ. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting through various advisory programs and collaborates with clients to develop tailored financial plans using asset allocation analysis and firm research.

Thomas Vastardis is a financial advisor with Cetera who holds a Series 63 designation and has 27 years of industry experience. He previously worked at Avantax Investment Services, Inc. for 27 years and has operated Thomas Vastardis & Associates, providing tax preparation and accounting services, for over 30 years. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, charitable and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, supporting a large network of advisors and managing over $256 billion in assets.

Ryan Welsch is a financial advisor with Raymond James Financial, holding a Series 66 designation and one year of industry experience. He has worked with Raymond James Financial Services Advisors, Inc. since 2025 and is also associated with Shapiro Financial Group, a non-investment-related support company. Prior to his advisory career, he held roles at DoorDash, Virginia Polytechnic Institute and State University, Weis Markets, and Mount Olive High School. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and governmental entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations.

Mark Rodrick is a financial advisor with Wells Fargo Advisors, holding Series 63, 65, and 66 credentials and 32 years of industry experience. He has worked at Wells Fargo Advisors since 2019 and previously at Morgan Stanley from 2016 to 2019. Rodrick has a 50% ownership in MRFJ Capital, a separate investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and planning tools to develop customized recommendations.

Samuel Santiago is a Senior Financial Advisor at Merrill Lynch Wealth Management. He and his team provide a full range of wealth management services tailored to corporate executives, business owners, and their families. With over two decades of experience in the financial services industry, Samuel joined Merrill Lynch Wealth Management in 1999. His expertise includes corporate benefit programs such as equity compensation, defined benefit, defined contribution, and non-qualified deferred compensation plans. He assists corporate executives in integrating these benefits into a long-term financial strategy. Samuel emphasizes a comprehensive approach to wealth management that starts with understanding each client's individual goals. He also focuses on uncovering behavioral finance tendencies to better support clients in achieving their financial objectives. Samuel holds a Personal Investment Advisor (PIA) designation and has completed a non-accredited certificate program at Middlesex County College. Outside of work, his personal interests include adventure sports, biking, hiking, music, reading, running, spending time with his family, traveling, watching movies, and woodworking.

Jonathan Panik is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and J.P. Morgan Chase Bank NA since 2014. Outside of his advisory role, he is a partner in an e-commerce business focused on online apparel sales, established for his son. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Joseph Debonis Sr. is a financial advisor at Raymond James & Associates with 31 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Raymond James. Outside of his advisory career, he was involved with J&J Marine Electronics for nearly three decades. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, serving both retail and institutional clients with specialized municipal and public finance services.

Kyle Lustenberger is a financial advisor with UBS Financial Services in Westfield, NJ, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with UBS since 2016. Outside of advising, he and his wife manage their personal vacation home rental in Rancho Mirage, California. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor investment plans to clients’ goals and risk tolerances.

Susan Sandman is a financial advisor at Ameriprise with 23 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. She is based in Aberdeen, NJ. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers these services through a centralized consulting team in partnership with its financial advisors.

James Ramentol is a financial advisor with LPL Financial based in Iselin, NJ, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. His prior roles include positions at Cetera, Foresters Financial Services, and Foresters Advisory Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by internal and third-party research.

Joseph Prorok Jr. is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and Octavian Capital Partners LLC. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Steven Saunders is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and four years of industry experience. His work history includes roles at Bank of America/Merrill Lynch and JPMorgan Chase Bank, N.A. Outside of finance, he was involved with Mountain State Ent & Facial for four years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm uses quantitative asset-allocation modeling and centralized due diligence, applying an ESG eligibility framework when recommending strategies.

John Hanson is a Series 66 licensed financial advisor with nine years of industry experience, currently with UBS Financial Services since 2019. Prior to UBS, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2016 to 2019. Outside of his advisory work, he serves on the board of Rigging Consultants, Inc., a privately held company specializing in suspended scaffolding rental and sales. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, blending institutional trading capabilities with wealth management offerings. The firm utilizes proprietary research and model-based asset allocations to tailor investment plans aligned with clients’ goals and risk tolerances.

Timothy Kenyon is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 40 years of industry experience. His prior roles include positions at Triad Advisors, Inc. and GWN Securities Inc. He is also involved as an agent selling term and universal life insurance, as well as long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, combining discretionary and non-discretionary management with model portfolios and research from multiple sources.

Merry Scala is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 38 years of industry experience. She previously worked at Cuna Brokerage Services Inc. and Cuna Mutual Group for seven years each. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and multiple portfolio management options.

Joshua Simpson is a financial advisor with Morgan Stanley in Holmdel, NJ, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2023, he served in the U.S. Army for 20 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Keith Motusesky is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Columbia Bank, Cetera Investment Services, Allstate Financial Advisors, and running his own firm, Motusesky Financial Group, for 15 years. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships, utilizing firm-approved software tools and offering specialized planning programs such as divorce and estate-settlement planning.