Michael Esposito is a financial advisor with Cetera who holds Series 63, 65, and 66 licenses and has 27 years of industry experience. His prior work includes roles at Hornor Townsend & Kent Inc, Penn Mutual Life Insurance Company, Ameritas, and Securities America. He also serves as assistant treasurer for American Legion Post #450. Cetera Investment Advisers LLC is a nationwide independent advisor network serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through various program platforms and investment strategies, managing over $256 billion in assets with more than 10,000 advisors.

Kyle Diaz is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Kyle earned his bachelor's degree from Purdue University System. Details regarding his specific areas of expertise, experience, personal interests, or community involvement were not provided.

Thomas Teel is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior work includes roles at Fidelity Personal and Workplace Advisors, Northwestern Mutual Investment Management, and Zingcycle LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines systematic quantitative screening with qualitative research and incorporates ESG eligibility criteria in its recommendations.

Anthony Gallo is a financial advisor with Ameriprise in Saddle Brook, NJ, holding a Series 66 credential and having one year of industry experience. His prior roles include positions at LPL Enterprise LLC and working at Lefkes Estiatorio. He has experience outside the financial industry, including employment in the restaurant sector. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendation reports and ongoing advice. The firm utilizes proprietary investment research and third-party data, with investment options influenced by affiliated product relationships.

Karen Mahida is a financial advisor with Primerica Advisors in Wayne, NJ, holding Series 63 and Series 65 licenses and 39 years of industry experience. She has been with Primerica Advisors since 1986 and Primerica Financial Services since 2000. Her other business activities include sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Robert Diamond is a financial advisor at LPL Financial with 19 years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Securities Corporation and Signator Investors, Inc. He is also the owner and agent of Interactive Benefit Solutions, LLC, an insurance agency. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing a range of investment strategies supported by proprietary research and advisor tools.

Gregory Tonnon is a financial advisor with LPL Financial in Ridgewood, NJ, holding the ChFC® designation and Series 63 registration. He has 43 years of industry experience, including prior roles at Sagepoint Financial, Inc. and The Guardian Life Insurance Company. In addition to his advisory work, he is involved as an employee benefits broker with Elite 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, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad network of over 22,800 advisors.

Robert Gariano is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has been affiliated with Cetera and its related entities since 2005 and has operated Gariano Wealth Management since 2015. In addition to his advisory work, he serves as a notary public on an ad hoc basis. Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a network of independent advisors and provides access to affiliated and third-party investment strategies across multiple program platforms.

Christopher Moss is a Financial Consultant currently working at Fidelity Investments since 2020. He specializes in helping clients navigate financial planning and aims to anticipate life transitions to ensure clients are financially prepared. Christopher focuses on building trusted advisor relationships with his clients. He has professional experience that includes serving as Vice President of Trust Sales at Wilmington Trust from 2018 to 2020, Internal Sales Consultant at PIMCO Investments from 2011 to 2018, and Sales Desk Manager at AXA Equitable from 2009 to 2011.

Frank Cummings is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 designations. He has 29 years of industry experience, including roles at Securities America Advisors, Banc of America Investment Services, and Quick & Reilly. Outside of his advisory work, he is an independent insurance agent offering life, health, disability, long-term care insurance, and fixed annuities. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of Financial Professionals and offers access to multiple platforms and proprietary model strategies.

David Zaccaria is a financial advisor at OSAIC with 31 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors, Inc., and Greenway Mortgage Funding Corporation. Outside of his advisory role, Zaccaria serves as the wrestling director for the West Essex Junior Knights, administering a recreation program for K-12 students. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a multi-advisor platform featuring discretionary strategies and third-party money managers.

Randall Egan is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Cetera and its affiliates since 2005 and operates the Egan Wealth Management Group as a DBA. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Nathan Goldwasser is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and 37 years of industry experience. He previously worked at METLIFE Securities Inc. for 18 years and has been with Mass Mutual and its affiliated firms since 2016. Outside of his advisory role, he operates an insurance brokerage business specializing in life, fixed annuities, disability, and long-term care products. MassMutual Investors Services is 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 tools to deliver collaborative, annual planning engagements.

Andrea Hauptman is a financial advisor with Cetera in Parsippany, NJ, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has held various roles since 2011, including positions at Securian Financial Services, Allied Wealth Partners, and Alianza Services Corp. Outside of her advisory work, she serves as Controller for Alianza Services Corp, an authorized Herman Miller furniture dealer. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual investors, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program options and custodial relationships.

Ernest Escobar is a financial advisor with LPL Financial in Mahwah, NJ, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at JP Morgan Securities and JP Morgan Chase Bank. Outside of advising, he is a co-owner of BE Method, LLC, an e-commerce sales business. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a large network of representatives.

Michael Grofsick is a financial advisor with LPL Financial holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Agia, Valic Financial Advisors, and Morgan Stanley DW Inc. He is also involved as an agent offering non-securities insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, providing a range of advisory and brokerage services supported by extensive research and technology tools.

Dominic Guido is a financial advisor at Ameriprise with 56 years of industry experience. He holds the Series 63 designation and previously worked at Wells Fargo Clearing for nine years before joining Ameriprise in 2025. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Henry Kahng is a financial advisor at Equitable Advisors with 25 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 2006. He holds Series 63 and Series 65 credentials. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm’s advisory approach includes matching clients to program models or discretionary managers through third-party sponsors and offers a range of investment options including mutual funds, ETFs, and alternative investments.

Michael Campione is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at New York Life Insurance Company and ConMed Corporation. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program.

Michael Ciano is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his main role, he owns a 50% interest in CRT Private Wealth Management and is involved in an insurance-related advisory role with Princeton Harriman Insurance Solutions. 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 investment and financial planning services, including specialized planning such as business-owner transition and special-needs analysis, supported by Wells Fargo research and tools.