Bimal Gupta is a financial advisor with Ameriprise in Summit, NJ, holding Series 63, 65, and 66 licenses and bringing 13 years of industry experience. Prior to joining Ameriprise in 2022, he worked at Avantax Investment Services and has been involved with Parsippany Tax and Accounting Corporation since 2010, where he operates a CPA accounting and tax practice. He serves on the board of the Northeast Society for Education and Learning and participates on the advisory board of Citizens Bank. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service, which provides tailored retirement income planning through a collaborative, non-discretionary approach supported by research and algorithmic analysis.

Matthew Fazendeiro is a financial advisor at LPL Financial with a Series 66 designation and two years of industry experience. His prior work includes roles at Park Avenue Securities and the Guardian Life Insurance Agency. Outside of his advisory work, he has experience in the food service industry and has worked for the Food and Drug Administration. 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 a range of advisory and brokerage services, including financial planning and access to third-party asset management, supporting client portfolios with both discretionary and non-discretionary strategies.

John Cicmansky is a Financial Consultant at Fidelity Investments, a role he has held since 2022. He specializes in building customized financial plans that prioritize the personal and financial needs of his clients and their families. His approach involves collaborating closely with clients to determine investment decision preferences and to simplify their financial lives. Prior to his current position, John worked as a Financial Solutions Advisor at Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2011 to 2022. He also served as a Registered Representative at AXA Advisors LLC in 2010. He holds a California Insurance License. Outside of his professional work, John enjoys camping, golf, kayaking, skiing, softball, and volunteering.

Justin Winkelman is a financial advisor with Mass Mutual Investors Services based in Warren, NJ. He holds Series 63 and Series 65 licenses and has five years of industry experience. His prior work includes roles at Mutual of Omaha Investor Services and H. Beck Inc/Grove Point Investments Inc. Outside of advising, he is involved in insurance sales through an outside insurance brokerage focused on life, disability, long-term care, fixed annuities, and health products. 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 provides financial planning, asset management, and educational seminars, employing technology such as Monte Carlo simulations and automated asset-allocation tools to develop collaborative annual financial plans.

Joseph Cataldo is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has worked at Raymond James since 2019 and previously spent 11 years at Morgan Stanley. He is also the owner of Iron Ridge Wealth Management Group and Cataldo Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals, and it supports a broad advisor network with additional specialized services in municipal finance and retirement plan advisory.

Frank Mastrosimone is a financial advisor with LPL Enterprise holding Series 63 and Series 65 licenses and 49 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Royal Alliance Associates, Inc. Outside of advising, he occasionally assists his wife with her real estate transactions through Weichert Realtors. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated financial services.

Thomas Vastardis is a financial advisor at Cetera with 28 years of industry experience. He holds the Series 63 designation and has worked at Avantax Investment Services, Inc. for 27 years before joining Cetera in 2025. In addition to his advisory work, he provides income tax preparation and accounting services through his business, Thomas Vastardis & Associates. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party investment options.

Ryan Welsch is a financial advisor with Raymond James Financial, holding a Series 66 designation and two years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. and Shapiro Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a wide network of advisors and affiliated firms.

Marc Israel is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. Prior to joining Fidelity, he worked at Verizon for 18 years. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts and model portfolios.

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 with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014. Outside of his advisory role, he is an owner and partner of American Avenue Clothing LLC, an e-commerce venture started for his son. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework when recommending strategies and operates within the larger J.P. Morgan broker-dealer and banking organization.

Maychl Agaybi is a financial advisor with LPL Enterprise LLC holding a Series 66 credential and one year of industry experience. Prior to joining LPL Enterprise, Agaybi has held roles in retail and other sectors including JD Sports and Big Lots. He is also involved in a non-variable insurance agency outside of his advisory duties. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Melissa Farfan is a financial advisor with LPL Enterprise, LLC, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Foresters Financial Services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a broad network of investment adviser representatives. The firm employs model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in a wrap program.

Kyle Lustenberger is a financial advisor at UBS Financial Services with 16 years of industry experience. He has been with UBS since 2016 and holds the Series 63 and Series 66 designations. Outside of his advisory work, he and his wife own and manage a personal vacation home in Rancho Mirage, California. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Susan Sandman is a financial advisor with Ameriprise in Somerville, NJ, holding a Series 66 designation and with 24 years of industry experience. She has been with Ameriprise and its affiliates since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

James Ramentol is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. 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 range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by technology and a broad non-advisory financial services platform.

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.