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.

Michael Flower is a CFP® with 30 years of experience in the financial industry. He is currently affiliated with Hightower Advisors and Hightower Securities LLC, where he has worked since 2018. Michael has prior experience at Securities America Advisors, Inc. and Securities America, Inc., spanning 14 years. Outside of his advisory work, he serves as a trustee at Packanack Community Church and is a member of the Economic Development Commission of Wayne Township. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and financial institutions. The firm’s advisory approach involves manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, with a range of investment vehicles and services tailored to client needs.

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 with Benjamin F. Edwards & Company, Inc. in Morristown, NJ. He holds a Series 66 designation and has 18 years of industry experience, with over 11 years at his current firm. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, institutions, and charitable organizations. The firm offers a range of investment programs and consulting services through consolidated discretionary and non-discretionary wrap-fee accounts, utilizing strategies managed internally, by its advisors, and by third-party managers.

Matthew Hoehn is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including BlackRock, Goldman Sachs & Co., and Blackstone. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, supported by in-house research and a wide range of advisory and execution services.

Samuel Angelo Jr. is a financial advisor at Cetera Planning Partners with over 43 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at Avantax Planning Partners, 1st Global Advisors, and Hunter Financial Services. Outside of his advisory work, he serves as a board member for Central Jersey Federal Credit Union. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm also offers services such as tax planning, bookkeeping, payroll support, and estate planning, using a diversified investment approach tailored to client objectives and risk tolerance.

Shayla Cloutier is a financial advisor at Private Advisor Group, LLC with 13 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Edward Jones and Wells Fargo. Outside of her advisory role, she serves as Treasurer of the Foskett Ranch Elementary School Parent Teacher Organization in Lincoln, California. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, retirement plan consulting, and a variety of managed account solutions. The firm operates a fiduciary-based advisory model, using technology platforms and third-party managers to implement diverse investment strategies.

John Montgomery is a financial advisor at TD Private Client Wealth LLC with five years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones, International House Associates, and Valley National Bank. Outside of advising, he manages and handles bookkeeping duties for International House Associates, a real estate holding business. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail investors. The firm employs a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Donald Pfarr is a financial advisor with Private Advisor Group, LLC and holds a Series 66 designation. He has 19 years of industry experience, including prior roles at LPL Financial, LLC and Citigroup Global Markets. Pfarr provides investment advisory services through Private Advisor Group, an independent registered investment advisor. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering portfolio management, financial planning, and retirement plan consulting. The firm’s fiduciary-based approach includes discretionary and non-discretionary services, utilizing proprietary and third-party investment platforms and strategies.

Andrew Booth is a financial advisor at GWN Securities Inc. with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Citizens Securities, Cetera, Invest Financial Corp., and Investors Bank. Outside of his advisory role, he is also a financial representative involved in life insurance sales and financial services under the DBA ABMM Financial. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm supports a large network of advisors and offers a range of managed-account programs, including legacy market-timing and momentum-based strategies.

Jude Digidio is a CFP® professional with 40 years of industry experience. He is currently with Private Advisor Group, LLC and has previously worked at LPL Financial and Cadaret, Grant & Co., Inc. He is also involved with B & D Group, Inc., a business related to his LPL activities. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that combines technology platforms and access to a range of third-party managers and proprietary managed account solutions.

Thomas Caiazzo is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 designation and six years of industry experience. His career includes roles at Goldman Sachs & Co. LLC since 2021, as well as prior positions at The Ayco Company, L.P. and Mercer Allied. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, executives, institutional clients, and plan sponsors. The firm integrates strategic and tactical investment models with a range of service offerings and operational tools, leveraging resources across the Goldman Sachs ecosystem.

Anthonny Garcia is a financial advisor at Mariner with a Series 65 designation and one year of industry experience. Prior to joining Mariner Wealth Advisors, he has worked in various roles including positions at Lexington Diner, William Paterson University, Bergen Community College, and Goodfellas Ristorante. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm provides investment management, financial planning, retirement plan consulting, and coordinated tax and family office services, employing customized portfolios supported by an internal investment team and external managers.

Joseph Attanasi Jr. is a financial advisor with Lincoln Investment in Cranford, NJ, holding a Series 63 designation and bringing 32 years of industry experience. He has been with Lincoln Investment Planning, Inc. since 1994. Outside of his advisory role, he serves as Secretary/Treasurer of the Evangel Bowling League, managing league records and finances. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, retirement plan advice, and a range of managed portfolio programs supported by a dedicated Investment Management & Research team.

Thomas Moyer is a CFP® professional with 36 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC since 2021. His prior experience includes roles at LPL Financial and Mutual Securities, Inc., as well as founding Macro Consulting Group LLC. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves individuals, trusts, estates, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm employs a strategic investment process combining passive and active management, supported by quantitative and fundamental research, and offers a range of financial planning, asset management, and specialized consulting services.

Kim Islami is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to joining PNC Investments in 2023, Islami worked at TD Ameritrade for ten years. Outside of advising, Islami serves as president of the MMD Foundation, a nonprofit organization focused on scholarships. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including a digital discretionary model account available by invitation. The firm relies on algorithmic questionnaires for risk assessment and implements investments via approved model strategies using mutual funds and ETFs.

Michael Waldron is a CFP®-credentialed financial advisor with 29 years of industry experience. He is currently with &Partners and has previously worked at Wells Fargo Advisors, Bank of America, N.A., and Merrill. Waldron also owns and manages MT Waldron Advisors LLC, a separate financial practice based in Florham Park, NJ. &Partners serves a diverse client base including high-net-worth individuals, retirement plans, and institutional organizations. The firm offers a range of investment management and financial planning services using both proprietary and third-party strategies, and operates as a registered investment adviser and broker-dealer.

Mark Murphy is a financial advisor with Primerica Advisors and Park Avenue Securities, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 39 years of industry experience, including long tenures at The Guardian Life Insurance Company of America and Primerica Advisors. Outside of his advisory work, he serves on multiple boards and is an author specializing in dental practice marketplace mergers and acquisitions. Park Avenue Securities LLC serves a diverse retail client base with both brokerage and advisory services, offering proprietary advisory programs and third-party manager platforms. The firm implements investment strategies through a combination of model portfolios, third-party managers, and digital advice solutions, supporting a range of assets and account-level services.