Bret Kaye is a CFP® affiliated with Wealth Enhancement Advisory Services, LLC, with nine years of industry experience. He has worked at Wealth Enhancement Advisory Services and its predecessor firms since 2013. Wealth Enhancement Advisory Services provides comprehensive financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets under management through a broad advisor network and employs a diversified investment approach that combines passive and active management overseen by an internal Investment Committee.

Matthew Clifford is a financial advisor at RBC Rochdale, LLC with 15 years of industry experience. He holds the Series 66 designation and has been with City National Rochdale since 2014. Outside of his advisory role, he is involved as an LLC member of Sweet Vivi’s Bakery, an online bakery for his daughter. RBC Rochdale serves a diverse client base including high net worth individuals, corporations, charitable organizations, and government entities. The firm employs a multi-strategy investment process combining quantitative screening, statistical modeling, and fundamental analysis, with an emphasis on tailored portfolio construction using proprietary tools and collaboration with sub-advisors.

Daniel Foran is a CFP® certificant with 43 years of experience in the financial services industry. He is currently with CWM, LLC and has held previous roles at LPL Financial and Raymond James Financial Services. He is also involved in teaching through Financial Network Educators and operates Foran Financial Group. CWM, LLC is an SEC-registered investment adviser serving a diverse client base including individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients. The firm manages discretionary accounts using model portfolios developed by an in-house Investment Committee and offers a range of services such as portfolio management, financial planning, and retirement-plan solutions.

Gregory Klar is a CFP® professional with 22 years of industry experience, currently serving as an advisor at Mariner Wealth Advisors since 2022. His prior experience includes roles at SFI Advisors, LLC and TIAA/TIAA-CREF. Outside of advisory work, he is a managing member of an e-commerce platform, New Ventures AMZ, LLC. Mariner serves a diverse client base, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax and family office services. The firm employs discretionary, customized portfolios supported by an internal investment committee and combines in-house research with third-party managers, delivering a broad range of strategies and integrated tax, accounting, and financial wellness solutions.

Abby Salameh is a financial advisor at Mercer Global Advisors Inc. with Series 63, 65, and 66 credentials. She has held advisory roles at several firms, including RFG Advisory, CAIS, Hightower Advisors, and Private Advisors Group. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments with investment advisory, financial, tax, retirement, estate planning, and family office services. The firm employs a globally diversified investment approach based on Modern Portfolio Theory, using low-cost ETFs, index funds, separate account managers, and other strategies, and also offers educational content and specialized client programs.

Aditya Krishnaswamy is a financial advisor with Hornor, Townsend & Kent, LLC and holds a Series 66 designation. He joined the firm in 2026 and has prior experience at Penn Mutual Life Insurance Company and SAP. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisors, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both as an SEC-registered investment adviser and FINRA-member broker-dealer, providing custody, execution, and brokerage services alongside investment advice.

William Ryan Jr. is a CFP® with 36 years of industry experience, currently affiliated with Private Advisor Group, LLC since 2017 and LPL Financial, LLC since 1998. He is based in Morristown, NJ, and also engages in non-variable insurance sales through Ryan Wealth Management Services. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model, utilizing various investment strategies and technology platforms while often implementing advice through third-party managers and TAMPs.

Youjun Liu is a financial advisor with Eagle Strategies (NY Life) in Edison, NJ. He holds the ChFC® designation and Series 63 license, with 10 years of industry experience. His work history includes roles at NYLIFE Securities LLC since 2016 and New York Life Insurance Company since 2013. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages a substantial portion of assets on a non-discretionary basis.

Pablo Baiza Castro is a financial advisor with Empower Advisory Group in Bloomfield, NJ, holding Series 63 and Series 65 credentials and two years of industry experience. His prior roles include positions at Primerica Advisors, Citizens Bank, and Harvard Business School. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

James Dy is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and 29 years of industry experience. His work history includes roles at LPL Financial and Osaic FA, Inc. He operates a DBA, Main Street Wealth Management, and is involved in selling life, health, disability, and long-term care insurance. Outside of his advisory work, he is connected to Lamington Capital Partners, LLC, a business entity used for tax and investment purposes. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that uses proprietary and third-party platforms to implement various investment strategies, including both managed account solutions and held-away asset management.

Patrick Trombetta is a financial advisor at Cetera Planning Partners with 10 years of industry experience and holds the Series 66 designation. He has worked with firms including Avantax and 1st Global Advisors and has been a consulting partner and financial advisor at MS Investment Partners since 2016. Outside of his advisory role, he serves as the head varsity soccer coach at Trinity Hall School. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, financial planning, and retirement-related advice. The firm integrates a formal planning process with diversified allocations and offers ancillary services such as tax planning, bookkeeping, and estate planning through third-party providers.

Viresh Bawa is a financial advisor at Integrity Alliance, LLC with three years of industry experience. He holds a Series 65 designation and has previously worked at Brokers International Financial Services and MetLife. Outside of his advisory role, he serves as president of two financial planning and insurance-related businesses and works as an associate director focusing on actuarial model development and quantitative analysis. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent advisors. The firm offers comprehensive asset management, financial planning, and retirement consulting using both advisor-managed and model-based portfolios across various investment strategies and platforms.

Bryan Kossove is a financial advisor with Osaic Institutions, Inc., holding Series 63 and Series 65 credentials and 30 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Royal Alliance, and LPL Financial. He is also the owner of BHK Tax Services, a tax preparation business. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary accounts.

Hui Liang Lee is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. Lee has worked at Guardian Life and Park Avenue Securities since 2011. Outside of his advisory role, he consults on Bank Owned Life Insurance (BOLI) products in partnership with Protective Financial and Insurance Services. Park Avenue Securities LLC, operating as Park Avenue Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of brokerage services, financial planning, retirement plan consulting, and investment advisory programs, including a hybrid digital advisory solution called VestWise™.

Lori Koval is a financial advisor at Oppenheimer with 32 years of industry experience. She has held her position at Oppenheimer since 2003 and previously worked at CIBC World Markets Corp. from 2002 to 2003. She holds Series 63 and Series 65 designations. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, retirement plans, charitable organizations, and pooled investment vehicles. The firm offers a broad range of programs with discretionary and non-discretionary investment services across equity, balanced, and fixed-income portfolios, and it maintains custody of client assets as a qualified custodian.

Michael Bernstein is a financial advisor with TIAA-CREF in Princeton, NJ, holding a Series 66 designation and 10 years of industry experience. He has worked at TIAA-CREF since 2017 and has prior experience with Pruco Securities, The Prudential Insurance Company of America, Mass Mutual Investors Services, and MSI Financial Services. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing ties to TIAA-administered employer retirement plans. The firm’s advisory approach distinguishes between one-time financial planning and ongoing discretionary management that includes model and customized portfolios.

Nazma Begum is a Series 66-licensed financial advisor with Valic Financial Advisors, based in Berkeley Heights, NJ, and has seven years of industry experience. She previously worked at TD Ameritrade and TD Bank. Outside of her advisory role, she is also an agent for non-securities insurance products. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, wrap programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Arthur Grossbard is a financial advisor with OSAIC Institutions, Inc., holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior roles include five years at Ameriprise and 28 years at Royal Alliance Associates, Inc. He has been with OSAIC Institutions since 2025. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a notable non-discretionary asset base.

David Cevallos is a financial advisor at TD Private Client Wealth LLC with a Series 66 designation. He has experience at several firms, including Wells Fargo Bank, UBER, and TD Bank. Cevallos has been with TD Private Client Wealth LLC since 2026. TD Private Client Wealth LLC provides discretionary wrap‑fee managed account programs and brokerage services to institutional, high-net-worth private clients, and retail clients. The firm offers portfolio management, financial planning support, and uses a combination of affiliated and third-party sub-managers in its investment approach.

Charles Porter III is a financial advisor at Benjamin F. Edwards & Company, Inc. with 18 years of industry experience. He has been with Benjamin F. Edwards since 2015 and previously worked at Wells Fargo Clearing from 2008 to 2015. Porter holds the Series 66 designation. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients through more than 500 advisors. The firm offers a range of investment and advisory services, including wrap-fee programs, financial planning, retirement consulting, and M&A advisory, utilizing both proprietary and third-party investment strategies.