Christian Carbajal is an advisor with Equitable Advisors and holds the Series 66 designation. He has been with Equitable Advisors since 2026 and has prior experience in a variety of roles outside the financial industry, including positions at Blooming Brands Inc./Bone Fish Grill. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses a variety of advisory programs, many implemented through third-party managers, and offers ERISA fiduciary services for qualified plans.

Anthony Sambrato is a CFP® professional with 18 years of experience in the financial services industry. He is currently with Mass Mutual Investors Services and MassMutual Life Insurance Company, having joined in 2025 after prior roles at USI Securities, Inc., USI Consulting Group, Lincoln Financial Advisors Corporation, Wealth By Design, and Valic Financial Advisors. 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, wrap and money-manager programs, and educational seminars, focusing on collaborative, annual financial planning relationships without discretionary investment authority.

Brian Lonergan is a financial advisor with Mass Mutual Investors Services in Saddle Brook, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with MML Investors Services and Mass Mutual Life Insurance Company since 2013. Outside of his advisory role, he is involved in health insurance brokerage for individual and group clients. Mass Mutual 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 comprehensive financial planning, asset management, and educational programs, emphasizing collaborative, goal-oriented planning supported by proprietary software tools.

Philip Nuccetelli is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 designations and possessing 38 years of industry experience. His prior work includes roles at Equitable Advisors, Wells Fargo Clearing, and TD Wealth Management Services Inc. He is currently based in Saddle Brook, NJ. MassMutual Investors Services operates as 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, structuring planning engagements as annual, collaborative relationships using firm-approved tools and methodologies.

Daniel Rodriguez is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2015. Outside of his advisory role, he owns Chameleon Refinishing, a sole proprietorship that focuses on refinishing and selling antique furniture. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program offers non-discretionary, written asset allocation advice supported by centralized due diligence and incorporates ESG considerations, with implementation services provided by affiliated investment management entities.

Robert Bruno is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 28 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2005 and is also a partner at Bruno Calotta & Associates LLP, an accounting and tax practice. Outside of his advisory work, he is a partner in a family-owned office building partnership. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored 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 a range of third-party managers and investment strategies.

Kimberly Dallon is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 17 years of industry experience. She has been with PFS Investments Inc. since 2016 and Primerica Financial Services since 2015. In addition to investment advising, she is involved in sales of loan products and home-related services through affiliates of her firm. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, offering model-based strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

James Hughes is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Equitable Advisors since 1999, following his tenure at AXA Advisors, LLC. In addition to his advisory role, he maintains various outside insurance appointments. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers, emphasizing tailored investment solutions without sponsoring its own wrap fee program.

Christopher Coppola is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Bank of America, ADP, Aerotek, and Rutgers University. He also holds a real estate license. Ameriprise Financial Services is a large advisory firm that serves individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendation reports and annual retirement-income planning advice. The firm’s approach includes asset allocation and tax-aware withdrawal strategies, with distinctive enrollment criteria tied to investable assets and assets managed within Ameriprise.

John Brewster is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Ameriprise since 2017 and previously spent 11 years at UBS Financial Services. Brewster serves on the Board of Directors for the Ramapo College Foundation in Mahwah, NJ. Ameriprise provides retirement-income planning services primarily for individuals with at least $1 million in net investable assets, offering detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, algorithm-supported advice through a centralized consulting team.

Robert Wagner is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 33 years of industry experience. His prior roles include positions at Wells Fargo Advisors and HSBC Securities (USA) Inc. He is also involved in a business entity connected to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, and institutional platforms while supporting advisors with research tools and a broad array of financial services.

Siobhan Cummings is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2015. 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 model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lawrence Wefferling is a Series 66 licensed financial advisor with 27 years of industry experience. He has worked at LPL Financial since 2008 and previously was affiliated with Summit Financial Resources Inc. and Summit Equities, Inc. from 2002 to 2008. Outside of his advisory role, he is involved with Wefferling & Company, CPAs, LLC, an accounting services firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by extensive technology and a large network of investment adviser representatives.

Sasa Palavestra is a financial advisor at LPL Enterprise with 22 years of industry experience. He holds Series 63 and Series 65 designations and has prior experience at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers services such as financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Elizabeta Crevar is a financial advisor at Fidelity with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various Fidelity entities since 2014, including Fidelity Investments and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and delivers model portfolios to intermediary platforms.

Joseph Policastro is a CFP® and Series 66-registered financial advisor with three years of industry experience. He is currently affiliated with Cetera and has prior experience at Avantax and accounting roles at Nisivoccia LLP and Wealthspring Financial Partners, where he supported financial planning, tax preparation, and bookkeeping functions. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual investors, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and advisory services across various program structures and custodial relationships.

Tom Rachelski is a Financial Consultant currently with Fidelity Investments, a role he has held since 2023. He has 18 years of professional experience in financial services, demonstrating a commitment to holistic financial planning tailored to meet the unique needs of families. Throughout his career, Tom has held various positions, including Regional Vice President at JD Mellberg from 2022 to 2023, Client Advisor and Vice President at PNC Investments between 2017 and 2020, and previously Financial Consultant at Fidelity Investments from 2013 to 2017. His experience also includes leadership as a Team Leader at UBS from 2008 to 2012 and work as a Stock Broker at E1 Asset Management from 2006 to 2008. Outside of his professional work, Tom has interests in camping, gardening, military service, outdoor adventures, skiing, and softball.

Michael Castellano is a financial advisor with Equitable Advisors in Saddle Brook, NJ. He holds Series 63 and Series 65 licenses and has 11 years of industry experience, having worked at Equitable Advisors since 2014 and previously at Axa Advisors. He is also involved with FNA Insurance Services, Inc., operating as Blue Cove Capital, a general agency focused on health insurance. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives and third-party managers. The firm’s approach incorporates client risk assessment and the use of various advisory models, including third-party TAMPs, mutual funds, ETFs, and alternative investments, while offering ERISA fiduciary services to qualified plans.

Youngwoo Kwak is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 29 years of industry experience, including roles at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and MetLife Securities Inc. since 2015. Outside of his advisory work, he is also an agent involved in individual and group insurance brokerage. 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 and asset management services, delivering recommendations based on firm-approved tools while generally not exercising investment discretion.

Joao Arruda Neto is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo, Charles Schwab, and PNC Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a mix of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management.