Steven Klimaszewski is a CFP®-certified financial advisor with 33 years of industry experience. He is currently with MassMutual Investors Services and also serves as the principal and founder of J Matrik Wealth Management, LLC. His background includes roles at Kestra Advisory Services and Kestra Investment Services. In addition to advisory services, he is involved in outside insurance sales specializing in life, disability, long-term care, fixed annuities, and health insurance products. MassMutual Investors Services, LLC operates as a subsidiary of MassMutual and provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm delivers planning through collaborative annual engagements using advanced analytical tools and offers a range of investment and educational programs.

Michael Koskuba is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 65 and Series 63 licenses and previously spent 22 years at Victory Capital Advisers and Victory Capital Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Natalya Muravchik is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2013. Outside of her advisory role, she serves as a board member of the nonprofit She's The First, which supports educational programs and scholarships for girls globally. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors.

Jackson Kuwata is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds a Series 66 designation and has worked at MassMutual Life Insurance Co and Mass Mutual Investors Services since 2024. Prior to his advisory role, he has experience at Amazon and Bridge Street Premium Ice, and he has a background that includes studying at the University of Delaware. Kuwata also works as an insurance broker in life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements with a broad range of client types.

Peter Tuffy is a financial advisor with Ameriprise in Yonkers, NY, holding Series 63 and 65 licenses and bringing eight years of industry experience. He has been with Ameriprise since 2016 and also operates Tuffy & Associates, a business active since 2003. Outside of his advisory roles, he is involved in fiduciary activities and serves as an agent named in a health care directive or living will. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm provides written, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis, combining automated algorithms with oversight from a dedicated retirement income consulting team.

David Colin is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2020. Prior to this, he worked at UBS Financial Services for 10 years. Outside of his advisory role, he is a partner in a family LLC and serves on the Emerson Shade Tree Commission. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable organizations, and government entities. The firm offers tailored financial plans and asset-allocation analyses, supporting both discretionary and non-discretionary advisory relationships.

Stephon Watson is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. He previously worked at Wells Fargo Clearing and JPMorgan Chase Bank, N.A. Outside of finance, he is involved in visual art through a private business where he creates various works a few hours a week. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Christine Contursi is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and proprietary planning tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Michael Andrito is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2015, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, he worked as a Wealth Management Trainee at Global Arena Capital in 2015. Michael is a CERTIFIED FINANCIAL PLANNER™ and holds a California Insurance License. He focuses on developing customized financial plans designed to grow and protect clients' wealth. Outside of his professional role, Michael enjoys football, hiking, music, outdoor adventures, running, and snowboarding.

Dean Kantzos is a financial advisor at Cetera with 24 years of industry experience. He holds a Series 66 designation and has held roles at Avantax Advisory Services, Avantax Investment Services, and 1st Global Advisors, among others. Kantzos is also the founder of Dean Financial Group, a financial services firm based in Glen Rock, NJ. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, 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 that combines affiliated and third-party managers.

Lenay Courtwright is a financial advisor with Ameriprise in Westwood, NJ, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2000. Outside of her advisory role, she is employed as a sales person at a retail loft in Paramus Park Mall. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm provides comprehensive, research-driven recommendation reports and a range of advisory, brokerage, and insurance solutions through its affiliated companies.

Joseph Murdaco is a Series 66-licensed financial advisor with Merrill, based in Paramus, NJ, and has five years of industry experience. He has worked at Bank of America, Merrill, TD Bank, and American Tire and Auto Care. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Joanna Kim is a financial advisor at Ameriprise with 15 years of industry experience. She holds a Series 66 designation and has worked at firms including United Nations Federal Credit Union, B Riley Capital Management, and FBR Capital Markets. Outside of her advisory role, she provides personal care assistance to her elderly mother. Ameriprise serves clients primarily through its retirement-income planning service tailored for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver personalized retirement income recommendations.

Gregory Goodman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 21 years of experience in the financial services industry, focusing on delivering comprehensive wealth management strategies tailored to individual client needs. Gregory provides access to investment insights and banking services to address various aspects of clients' financial lives, emphasizing personalized plans centered around clients' values and goals. Gregory holds several professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Investment Management Analyst® (CIMA), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). He is a member of the Investments & Wealth Institute™ and a graduate of Carnegie Mellon University. His expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and retirement income. Beyond his professional work, Gregory is involved in coaching recreational youth sports. His personal interests include baseball, football, golfing, music, reading, skiing, spending time with family, and traveling. He resides in Franklin Lakes, NJ with his wife and children.

Mirella Arias Soto is a financial advisor at Equitable Advisors with five years of industry experience. She holds a Series 66 designation and has worked previously at MML Investors Services, MassMutual, William Paterson University, and Sax LLP. Outside of her advisory role, she serves as Vice President of Membership for Prospanica NJ. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing a model that heavily involves LPL-sponsored programs and third-party managers to deliver advisory and brokerage solutions.

Daniel Gopen is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and 15 years of industry experience. He previously worked at National Asset Management and National Securities Corporation. Outside of his advisory role, he is involved in tax preparation and accounting services through Premier Tax Planning and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse clientele, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, delivering customized strategies across various platform arrangements and proprietary as well as third-party models.

William Cooney is a Vice President and Financial Consultant currently working at Fidelity Investments since 2013. He has over 30 years of experience in the financial services industry, with a career that includes roles at Merrill Lynch, Morgan Stanley, and Dreyfus Service Corporation. Throughout his career, he has navigated significant market events such as the dot-com bubble, the post-9/11 bear market, the 2008 financial crisis, and the COVID-19 recession. His extensive experience has provided him with insights into market cycles and client needs, enabling him to educate clients on maintaining their financial plans during periods of volatility. Prior to his current role, he served as Vice President and Financial Consultant at Merrill Lynch and Morgan Stanley, and as a Financial Adviser at Merrill Lynch and Dreyfus Service Corporation.

Melissa Cannizzaro is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has been with Cambridge Investment Research Advisors since 2007. Outside of her advisory work, she is a Certified Divorce Financial Analyst and co-owner of a landscaping business. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a large network of independent professionals using a variety of portfolio management strategies and platform arrangements.

Brent Salamone is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2012. He serves as treasurer and board member for Cub Scout Pack 124, a volunteer role involving the management of dues and expenses. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services that combine quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Kenneth Pollard is a Planning Consultant at Fidelity Investments, where he assists clients and their families in navigating financial planning by developing customized strategies for personal and financial harmony. He has been with Fidelity Investments since 2021, progressing through roles including Relationship Manager, Financial Representative, High Net Worth Service Associate, and Customer Relationship Advocate. Prior to joining Fidelity, Kenneth gained experience as a Data Intelligence Intern at Natixis Investment Managers in 2020. His professional background reflects a focus on client service and financial planning within the investment management industry. Outside of his professional role, Kenneth has interests in cars, fitness, football, movies, music, and skiing.