Gilbert Moscatello Jr. is a CFP®-certified financial advisor with 29 years of industry experience. He is currently with Cetera and has held roles at Allied Wealth Partners and Securian Financial Services, among others. Moscatello is involved in community outreach as an officer of the College of NJ Wrestling Endowment Committee and owns an independent business called Independent Wealth Strategies. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors nationwide.

Nicole Monte is a Series 65-licensed financial advisor with Primerica Advisors, bringing 18 years of industry experience. She has been with Primerica Advisors since 2007 and also operates Joseph Michael Monte, LLC, an investment-related business. Outside of her advisory role, she is involved in referral activities for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed accounts. The firm employs a curated third-party asset manager platform with a tiered wrap-fee structure and delegates trading responsibilities to BNY Mellon Advisors.

Alex Pritsker is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He worked at Lincoln Financial Advisors for 14 years before joining OSAIC in 2025. In addition to his advisory role, he is licensed to offer various insurance products including disability insurance, fixed and indexed annuities, long-term care insurance, and traditional life insurance. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers a range of integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct customized investment portfolios.

Samuel Stroud III is a financial advisor at Cambridge Investment Research Advisors with five years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at SEI Investments, Trinity Wealth Securities, and Tristate Financial Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals using a range of discretionary and non-discretionary strategies across multiple custody platforms.

Michelle Madsen is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds the Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2005. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and economic scenario modeling.

Peter Glover Jr. is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Marion Cuff is a financial advisor at OSAIC with 36 years of industry experience. She holds Series 63 and Series 66 designations and has worked previously at FSC Securities for over two decades, among other firms. Outside of advising, she serves as a trustee of the Seneca Lake Club, Inc., where she participates in governance and decision-making for the local lake association. OSAIC Wealth, Inc. provides services to a wide range of retail and institutional clients through a large network of affiliated advisors and multiple platforms, offering integrated brokerage, investment advisory, financial planning, and retirement plan consulting. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, with access to third-party money managers and alternative investments.

Joseph Reed is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He previously worked at 1st Global Advisors, Inc. and 1st Global Capital Corp for nine years and has been affiliated with Caristia, Kulsar & Wade LLC since 1996. Reed is a partner in CKW Advisors, LLC, a CPA affiliate program. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management supported by research from in-house and third-party sources.

Barry Morris is a CFP® professional with 17 years of industry experience, currently serving at Cetera. His prior career includes roles at Avantax Investment Services, Avantax Advisory Services, and Avantax Insurance Agency. Outside of his advisory work, he owns ROCMOR Financial Services, which provides tax preparation, accounting, and financial services, and serves as an elected volunteer board member for The Sheen Center for Thought & Culture. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors offering a range of services including portfolio management, financial planning, and retirement plan consulting. The firm serves individual, retirement plan, corporate, charitable, and institutional clients through multiple investment platforms and program structures.

Onel Gonzalez is a financial advisor with Merrill in Florham Park, NJ, holding a Series 66 designation and eight years of industry experience. His prior experience includes roles at UBS Financial Services Inc. and The Chatham Club. Merrill and its affiliate Managed Account Advisors LLC provide managed account services through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Richards is a CFP® professional with 35 years of industry experience. He has worked at Charles Schwab since 2019 and previously spent 25 years at Citigroup Global Markets. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by its research and due diligence on alternative investments.

Nancy Levy is a financial advisor with Wells Fargo Clearing in Short Hills, NJ, holding a Series 63 designation and 42 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

David Rose is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with UBS since 2014. Outside of his advisory role, he serves as a poll worker for the Morris County Board of Elections in New Jersey. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services across a broad platform.

Shaun Lehrer is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley for 13 years before joining J.P. Morgan Securities in 2024. Lehrer also held a role at Orgo LLC from 2023 to 2025. J.P. Morgan Securities LLC 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 offers customized performance reporting and applies an ESG eligibility framework when recommending investment strategies.

Erin Guarneri is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019, with prior experience at Bank of America and Citibank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary strategies developed by internal and third-party teams, with a focus on strategic asset allocation and tax-sensitive investment options.

Mitchell Work is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds the Series 63 designation and has worked at Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of brokerage and advisory services, including investment advisory, financial planning, and retirement plan consulting, supported by research from Wells Fargo Investment Institute and third-party sources.

Stephen Galli is a CFP® with 23 years of industry experience, currently serving as a financial advisor with Cetera. His career includes roles at Avantax, Nisivoccia Wealth Advisors, and 1st Global Advisors. He is a board member of WJM Associates, a firm focused on executive coaching and development. Cetera Investment Advisers LLC is an SEC-registered advisor supporting a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures.

Rachel Schwarz is a financial advisor with UBS Financial Services in Short Hills, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with UBS since 2013. Outside of her advisory work, she serves on the board of directors for the Greater Newark Conservancy, participating in educational programs and budget reviews. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining model-based asset allocations and proprietary research to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and market-making.

George Nordstrom is a financial advisor with Cetera, holding a Series 66 designation and 16 years of industry experience. He has been with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. In addition to his advisory role, he is also an insurance agent selling life insurance and annuities. Cetera Investment Advisers LLC is an SEC-registered firm that offers services to individual clients, retirement plans, corporate and charitable organizations, and institutional accounts through a large nationwide network of independent advisors. The firm provides a multi-manager platform with a range of investment solutions, including discretionary and non-discretionary portfolio management and access to third-party money managers.

Kushal Renjen is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. His prior work includes roles at BWG Strategy, Fidelity Investments, and Stevens Institute of Technology. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and Corporate Financial Planning agreements.