Jose Vicente Jr. is a CFP®-designated financial advisor with Ameriprise, bringing 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is a co-owner of NJ2CA, LLC, a financial planning business. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process while emphasizing the use of Ameriprise-managed accounts.

Ardell Roan is a financial advisor with Wells Fargo Advisors, holding Series 63, Series 65, and Series 66 credentials and bringing 26 years of industry experience. Prior to joining Wells Fargo Advisors in 2022, Ardell worked at Morgan Stanley Smith Barney and Wells Fargo Clearing Services. In addition to his advisory role, he has been involved with SUNY Orange since 2018. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers a broad range of investment and financial planning services to individuals, trusts, and institutions. The firm provides tailored recommendations supported by Wells Fargo research and tools, with planning services covering areas such as retirement, education, and niche needs like business-owner transition and special-needs analysis.

Paul Levis is a CFP® and CFA® with 25 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at Summit Financial Consultants, Cadaret, Grant & Co., Inc., and Allianz Global Investors Managed Accounts LLC. Levis also has involvement with Summit Financial Consultants' non-variable insurance 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, and institutional platforms, supported by both proprietary and third-party investment strategies.

Paul Lotito is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the RLA Group. He has over 33 years of experience focusing on portfolio design and implementation for high-net-worth individuals, associations, and charitable institutions. Paul works closely with clients to develop portfolios that align with their financial needs and concerns, specializing in areas such as family wealth management strategies, legacy planning, liquidity management, and retirement income. Paul holds a Bachelor's degree from Rutgers University and is a CERTIFIED FINANCIAL PLANNER® professional as well as a Personal Investment Advisor (PIA). His expertise includes tactical asset allocation strategies and portfolio management services. The RLA Group at Merrill Lynch Wealth Management, which he is part of, serves clients including high net worth individuals and their families, foundations, and corporate retirement plans, helping them prepare for significant life events like retirement and generational wealth transfer. Paul has been married to Cheryl for over 39 years and they have two adult children. His personal interests include basketball, racquetball, spending time with family, traveling, and watching movies.

Josephine Holguin is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Merrill in 2024, she worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. from 2019 to 2024. She has also held positions outside finance, including at Holiday Inn and Santa Fe College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm employs model-based and discretionary investment strategies developed by internal and third-party managers, offering tax-aware options and various portfolio implementation features.

Ramsey Khattab is a financial advisor with OSAIC in Paramus, NJ, holding Series 63 and Series 65 licenses and 26 years of industry experience. He worked at Lincoln Financial Advisors Corp. for 21 years prior to joining OSAIC. Outside of financial advising, he owns and operates several businesses including a social networking dating portal and medical aesthetics spas. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering comprehensive financial planning, advisory services, and brokerage programs. The firm emphasizes model-based asset allocation and portfolio optimization supported by various tools and multiple investment strategy options.

James Cramer is a financial advisor with Edward Jones in Pompton Plains, NJ, holding Series 63 and Series 66 designations and possessing 22 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Chris Kampitsis is a financial advisor with Mass Mutual Investors Services in Elmsford, NY, holding the CFP® and ChFC® designations and possessing 17 years of industry experience. He has been with MML Investors Services, LLC since 2017 and has worked with Massachusetts Mutual Life Insurance Company since 2016. Outside of financial advising, he is a partial owner and consultant for a restaurant/bar business and is involved in consulting and management roles through several related business ventures, including tax preparation services and marketing consulting. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and investment management services to individuals, business owners, trusts, estates, and charitable organizations. The firm delivers ongoing, collaborative financial planning using firm-approved analytical tools and provides a range of programs including asset management and educational seminars.

Yedidya Diena is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. Before joining Merrill and Bank of America in 2026, he operated a custom clothing business and held various roles in educational and nonprofit organizations, including Chai Lifeline Canada and Touro University. His outside business activities include managing a custom clothing enterprise. Merrill and its affiliate Managed Account Advisors LLC provide managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Bajakian is a financial advisor at Primerica Advisors with 34 years of industry experience. He has been with Primerica Financial Services since 1991 and with Primerica Advisors since 1990. Bajakian is registered with Series 63 and Series 65 licenses. His other business activities include sales of investment-related products and referrals for home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap fee structure.

Shiva Bhashyam is a financial advisor with Ameriprise in New York, NY, holding a Series 66 designation and 13 years of industry experience. He has been with Ameriprise since 2012, including its affiliated entities. Outside of advising, he is involved with the River Town Lions Club and the Global Organization of People of Indian Origin NY Chapter. Ameriprise offers retirement-income planning services primarily for individuals with at least $1 million in net investable assets, utilizing a combination of research, modeling, and tax-efficiency analysis to create written recommendation reports delivered through a centralized consulting team.

Joseph Brunelli is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory work, he is a trustee for his father's trust and holds a minority ownership in a real estate holding company. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Carter Spearry is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. Prior to joining Edward Jones in 2023, he was involved with nRICHD Consulting, a recruiting and talent acquisition business specializing in manufacturing and IT, where he oversaw business operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of investment advisory programs supported by a nationwide network of financial advisors and branch offices.

Daniel Twomey is a CFP® with 37 years of industry experience, currently affiliated with LPL Financial since 2011. Prior to joining LPL, he worked at Edward Jones from 2005 to 2010. 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, portfolio management, and retirement advice services through a network of investment adviser representatives.

James Kivlehan is a financial advisor with Wells Fargo Advisors in New City, NY. He holds a Series 66 designation and has 14 years of industry experience, including 14 years at Edward Jones before joining Wells Fargo Advisors in 2025. 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 supported by proprietary research and tools, with client engagements typically structured as discrete planning projects.

Miguel Nunez is a financial advisor with Cetera, holding Series 63 and Series 66 designations and possessing 17 years of industry experience. His prior roles include positions at JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory work, he is involved in real estate as a licensed agent and offers tax preparation services through his own firm, Nunez Wealth Management Inc. Cetera Investment Advisers LLC serves a diverse range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multi-manager platforms and a broad selection of program options.

Christopher Gaetano is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop tailored financial plans that align with their individual goals and circumstances. He employs a structured financial planning process to address clients' short and long-term objectives and adapts strategies over time to reflect changes in clients' lifestyles. He has been with Fidelity Investments since 2019, gaining experience in various roles including Financial Representative, Relationship Manager, and Investment Consultant before becoming a Financial Consultant in 2026. This progression within the company showcases his familiarity with diverse aspects of financial services. Outside of his professional work, Christopher has interests in beach activities, attending concerts, hiking, skiing, and traveling.

Louis Ferriello is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 15 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012 and has prior experience at Lord, Abbett & Co. LLC. Outside of his advisory role, he is a consulting partner and owner at Slider Sports Seats, Inc., where he provides manufacturing consulting and product vision. J.P. Morgan Securities offers institutional consulting services primarily to plan sponsors, corporations, and endowments. The firm’s advisory process involves centralized due diligence combining quantitative and qualitative research, focusing on asset allocation advice and manager searches, with a non-discretionary investment program.

Corey Albright is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, he held positions in various industries including automotive and retail. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, utilizing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and manage funds.

Nicholas Fiore is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and the Series 66 license. He has three years of industry experience, with prior roles at GAMCO Investors and a background that includes teaching positions at Sacred Heart University and Somers High School. Outside of his advisory work, he is involved in life settlement assistance and outside insurance sales focusing on life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved software and collaborative, annual planning engagements.