Andrew Sorger is a financial advisor with Mass Mutual Investors Services in Montclair, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and with MassMutual Life Insurance Company since 2016, following a prior role at Metlife Securities from 2014 to 2017. He serves as trustee for the Martin & Susan Sorger Family Trust. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach includes collaborative, annual financial planning engagements using firm-approved analytical tools, with optional implementation of recommendations through brokerage or insurance arrangements.

Sean Humphrey is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. Prior to joining Fidelity, he worked at LPL Enterprise, The Prudential Insurance Company of America, and Pruco Securities LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery using a combination of fundamental research, quantitative analysis, and systematic methodologies.

Todd Shallcross is a financial advisor at RBC Capital Markets with 45 years of industry experience. He holds Series 63 and Series 66 designations and has worked at City National Bank since 2016, while maintaining a role at RBC Capital Markets LLC since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, with strategies tailored to clients’ risk profiles and a combination of in-house and third-party investment managers.

Vincent Pecora is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and bringing 22 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is listed as an officer of VMP AUTO INC, a used car sales business in New Jersey, though no active time is reported. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by structured tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

James Puckett is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 1998. Outside of his advisory role, he is a chemistry tutor and an adjunct instructor at Assumption College for Sisters. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Theresa Carmagnola is a financial advisor at Cetera with 24 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services and Summit Financial Group. Outside of her advisory role, she is co-owner and vice president of a restaurant business in New Jersey. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with both affiliated and third-party investment options.

Eric Kohlmeier is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, previously serving at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. Its advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Barry Hess is a financial advisor at Ameriprise with 44 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliated entities since 2011. Hess is based in Wyckoff, NJ. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports, with a focus on assets held in Ameriprise Managed Accounts.

Sean Mc Manus is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in working with healthcare professionals, including physicians, nurses, physician assistants, and nurse practitioners, to provide clarity around investing, retirement planning, and building long-term financial security. His approach involves collaborating one-on-one with clients to define their financial goals and develop portfolio strategies aligned with those objectives. Sean's expertise includes retirement planning, managing concentrated stock positions, Roth IRA and workplace retirement strategies, education planning, and assisting clients through major career and life transitions. He aims to help healthcare professionals make confident financial decisions so they can focus on their careers and responsibilities. He holds a Bachelor's Degree from the University of Delaware and the Professional Investment Advisor (PIA) designation.

Ryan Curran is a financial advisor with Mass Mutual Investors Services in Parsippany, NJ, holding the ChFC® designation and Series 63 license. He has seven years of industry experience and has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2017. Outside of his advisory role, he is also an insurance broker with The Curran Group LLC, specializing in life, disability, long-term care, fixed annuities, and health insurance products. MassMutual Investors Services, LLC 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, with a focus on collaborative, goal-based planning and a range of investment strategies without discretionary management.

Michael Delcalzo II is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 66 and Series 63 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019. His prior work includes roles at TD Bank, various mortgage firms, and other financial and production companies. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager research, and customized performance reporting through its Institutional Consulting Services program. The firm employs a quantitative asset-allocation approach combined with centralized due diligence and incorporates ESG criteria in its investment recommendations.

Kelly Oates is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 20 years of industry experience. She has worked at RBC Capital Markets since 2018, following roles at Wells Fargo Clearing and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies that incorporate both in-house and third-party managers, alongside integrated services such as financial planning, custody, and brokerage.

Tara Pardo is a Financial Consultant at Fidelity Investments, bringing three decades of experience in the financial services industry. She began her career at Goldman Sachs, where she served as Vice President of Equity Sales from 1992 to 2018. Following that, she was a Senior Relationship Manager at Lord Abbett from 2018 to 2022 before joining Fidelity in 2023. Throughout her career, Tara has focused on helping clients with wealth planning and financial strategies. She emphasizes collaborating with clients to create, implement, and monitor plans that align with their individual goals. Her work at Fidelity leverages the firm's resources to assist clients in making informed decisions for their financial futures.

Michael Koskuba is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 65 and Series 63 licenses and spent 22 years at Victory Capital Advisers and Victory Capital Management before joining LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms, supported by advanced research and operational tools.

Robert Bernoskie is a financial advisor with Merrill in Summit, NJ, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Bank of America and Merrill since 2009. Outside of his financial advisory role, he serves as a high school football official with the New Jersey Football Officials Association, a position he has held since 1993. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers.

Bernard Ventura is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 43 years of industry experience. His prior roles include positions at RBC Capital Markets, Morgan Stanley, and A. G. Edwards & Sons. He is also involved with Gladstone Advisors, an entity related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of solutions including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Philip Pinkey is a financial advisor at Fidelity with 19 years of industry experience. He holds a Series 66 designation and previously worked for ICMA Retirement Corporation from 2011 to 2021 before joining Fidelity. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

Hayden Harr is a financial advisor at Charles Schwab with nine years of industry experience. He holds the Series 65 and Series 66 licenses and has previously worked at Blue Owl Securities LLC, Central Park Group, LLC, Foreside Fund Services, LLC, and CION Securities, LLC. Charles Schwab & Co., Inc. serves 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 a large client base with an integrated structure that offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and alternative investment options.

Jennifer Donoghue is a financial advisor at Merrill with Series 63 and Series 66 credentials and 13 years of industry experience. She has worked at Merrill since 2019, with a brief hiatus in 2021. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Murray is a financial advisor at Ameriprise with 36 years of industry experience. He has held roles at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Murray holds a Series 63 designation. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, focusing on clients with Ameriprise-managed accounts and utilizing algorithmic tools overseen by specialized committees.