Jeffrey Budd is a CFP® with 36 years of industry experience, currently serving as a financial advisor at LPL Financial. His prior roles include positions at Raymond James & Associates, Fidelity Personal and Workplace Advisors, Strategic Advisers Inc., Fidelity Investments, and Morgan Stanley Dw Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides access to financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advanced research and operational tools.

Griffin Durand is a financial advisor with LPL Financial based in Fairfield, NJ, holding a Series 66 designation and seven years of industry experience. He has worked at several firms including Equitable Advisors, American Portfolios Financial Services, and Gilman Ciocia / National Securities Corp. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, leveraging model portfolios, third-party subadvisors, and customized strategies across various investment approaches.

John Proxenos is a financial advisor with Raymond James Financial in Rochelle Park, NJ, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Raymond James Financial since 2004 and is also president and 50% owner of Axia Financial Advisors, LLC, a support company for the branch. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work, as well as specialized advisory programs.

Thomas Carl is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its related entities since 2009. Carl is based in Paramus, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm’s approach incorporates structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Todd Werling is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Trusted Wealth Financial, Financial Principles LLC, and Securities America, Inc. Outside of his advisory work, Werling volunteers as a coach for youth basketball and baseball in West Caldwell, NJ, and is involved in a mobile wood-burning pizza catering business. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, advisory, and financial planning services. The firm utilizes asset-allocation tools and multiple advisory platforms to construct diversified portfolios and supports a variety of third-party managed-account solutions.

Jeffrey Etzin is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Cetera and its affiliates since 2005 and also operates an accounting and tax preparation business under his own CPA firm. Beyond his advisory role, he is a co-owner of an accounting and tax services LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to both affiliated and third-party investment managers.

Frank Cangelosi Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 34 years of industry experience. His prior experience includes roles at Cetera, Insurance Foundation Group, and operating his own agency, Cangelosi Agency LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions including third-party asset management and institutional platforms.

Michael Duch is a financial advisor at LPL Financial with four years of industry experience. He holds a Series 66 designation and has previously worked at CUSO Financial Services, Allied Wealth Partners, Minnesota Life Insurance Company, and Securian Financial Services. Outside of advisory work, he is a business owner of LD Concept, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, third-party asset management, and institutional platforms, with advice delivered through a network of investment adviser representatives using various investment strategies and technology tools.

Paula Levine is a financial advisor at Morgan Stanley with 38 years of industry experience. She has held her current role since 2012 and previously worked at SMH Capital Advisors LLC. Paula holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and advanced planning tools.

Kam Yee is a financial advisor with Wells Fargo Clearing in New York, NY, holding a Series 63 designation and 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 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 solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Cassandra Biehl is a financial advisor with Raymond James & Associates in Paramus, NJ, holding a Series 66 designation and seven years of industry experience. She previously worked at Morgan Stanley for six years before joining Raymond James, where she has been since 2022. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and nonprofit organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Kenny Chang is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and approaches supported by its Global Investment Committee.

Linda J. Hoffman is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2000. In her role, she works closely with high net worth clients and their families to develop and maintain comprehensive financial plans. Her expertise includes wealth accumulation, cash flow generation, estate planning considerations, and tax efficient investing. She maintains ongoing dialogues with clients to address current or future life events that may impact their financial situations. Outside of her professional work, Linda has interests in biking, camping, fitness, hiking, kayaking, and traveling.

Gaetano Naccarella is a Senior Financial Advisor at Merrill Lynch Wealth Management, providing advice and guidance to clients with varying levels of investment experience. He applies institutional investment strategies to individual client portfolios through Merrill's Investment Advisory Program. Gaetano’s responsibilities include portfolio construction, presenting financial strategies to both existing and new clients, and conducting annuity and insurance analyses. With 28 years in the financial services industry, Gaetano has experience spanning institutional and retail investing. Before joining Merrill Lynch in 2012, he worked as a Floor Trader for Alliance Bernstein at the New York Stock Exchange and later as a Private Banker at Wells Fargo. He holds FINRA Series 7, 63, and 65 registrations, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Gaetano earned a Bachelor's degree from Rutgers University. Outside of his professional career, Gaetano enjoys baseball, cooking, football, golfing, ice hockey, music, table tennis, watching movies, writing, and spending time with his family.

Maximo Centeno is a financial advisor with Cetera and holds the Series 63, Series 65, and Series 66 designations. He has 21 years of industry experience and has worked at firms including Equitable Advisors and Kearny Bank. Outside of advising, he is a part-owner of CROSSREM LLC, an e-commerce platform delivering food and groceries overseas. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management services through a multi-manager platform, allowing advisors to implement model portfolios, select third-party managers, or build customized strategies.

Edmund Iannelli is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he serves in multiple appointed roles within the Ho-Ho-Kus, NJ town government, including liaison to the recreation commission and deputy commissioner roles for the police department and volunteer ambulance corps. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Malcolm Greenough is a financial advisor with Raymond James Financial, holding a Series 63 designation and bringing 44 years of industry experience. He has worked at Raymond James since 2008 and is also the owner of MWG Wealth Partners. Outside of his advisory roles, he serves as Chairman of the Board of Directors for Ascendia Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools to support client goals and maintains unique affiliations that enhance its municipal and public finance services.

Geancarlo Cardenas is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. He has worked at Merrill since 2015 and has also been affiliated with Bank of America, N.A. since 2024. 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, offering model-based and discretionary strategies supported by internal and third-party teams for a range of clients including individuals, high-net-worth clients, and institutions.

Robert Barbuto is a financial advisor with Edelman Financial Engines, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has previously worked with Charles Schwab Bank, Charles Schwab & Co., Fidelity Personal and Workplace Advisors, and Fidelity Brokerage Services. Barbuto is based in Paramus, NJ. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services for individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified model portfolios and both discretionary and non-discretionary investment options.

Brianne Burdzy is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 license with nine years of industry experience. She previously worked at UBS Financial Services for ten years before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by advanced modeling tools.