Edward Winters Jr. is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63 and Series 66 licenses and has been affiliated with Cetera and its related entities since 2013. Outside of his advisory role, Winters serves as a power of attorney for his son. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary solutions, model portfolios, and access to third-party managers.

Allan Sanford is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in the financial industry in August 2000, following over eight years of service in the United States Army and the management of a radiology group. Allan specializes in working with clients to develop individualized asset allocation strategies aligned with their financial goals. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Allan holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Allan earned his high school diploma from Vernon Township High School and holds an associate’s degree from the American College of Radiology. He is a life member of the Disabled American Veterans and the Veterans of Foreign Wars and has served as an Ambassador for the Newark Regional Business Partnership and as President of the Franklin Lakes Chamber of Commerce from 2000 to 2004. Allan resides in Pittstown, New Jersey, and his personal interests include fishing, football, golfing, hiking, photography, spending time with family, and traveling.

Michael Falco is a CFP® professional with five years of experience in financial advising, currently with Ameriprise Financial Services LLC. Prior to joining Ameriprise, he worked for five years at Primerica Financial Services/Primerica Advisors. Outside of finance, he is a full-time teacher with Montgomery Township School District and is the owner, director, and coach at Garden State Basketball Academy LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Matthew Teevan is a CFP® professional with 16 years of industry experience, currently advising clients at Ameriprise Financial Services, LLC. His prior roles include positions at various Cetera affiliates, GWFS Equities/Empower, and Russell Investments Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides tailored retirement income planning with a focus on dependable income sources and tax-aware withdrawal strategies.

Michael Mccann is a financial advisor at Fidelity with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Merrill, Bank of America, John Hancock Funds, and New York Life Investment Management. Fidelity’s Strategic Advisers LLC provides 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 discretionary and non-discretionary accounts, including model portfolios constructed from mutual funds, ETFs, and ETPs.

George Burdge II is a financial advisor with Morgan Stanley in Flemington, NJ, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked with Morgan Stanley and its affiliated entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm’s approach includes structured planning processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Ashley Buhl is a financial advisor with UBS Financial Services, holding a Series 66 designation and 23 years of industry experience. She has been with UBS since 2003. Outside of her advisory role, Ashley operates a part-time business called Invitations by Ashley and contributes occasional content related to health and family topics, as well as participating in a children's animal workshop. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad platform including capital markets and advisory solutions.

Vincent Miseo is a financial advisor with LPL Enterprise in Branchburg, NJ, holding Series 63 and Series 65 licenses and 21 years of industry experience. His career includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Allstate Financial Services. He also receives health insurance commissions on policies written prior to 2022. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Christopher Kamnitsis is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and having 32 years of industry experience. His prior roles include positions at National Planning Corporation and Investacorp Advisory Services Inc. Outside of advising, he is a partner and CEO at Adelphi Financial LLC, a firm providing tax preparation and accounting services. 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, model portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing significant discretionary assets.

Adam Garretson is a CFP® with 23 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2017 and previously held positions at Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2004 to 2017, and Morgan Stanley Dw Inc. from 2003 to 2004. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Vincent Bonavita Jr. is a financial advisor with LPL Financial holding Series 63 and Series 66 credentials and 32 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 21 years, along with tenure at OSAIC and WS Griffith Securities, Inc. 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 advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives and extensive operational resources.

Christopher Russo is a CFP®-certified financial advisor at Fidelity with 24 years of industry experience. He has been with Fidelity Investments since 2014, including seven years at Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manage a range of registered investment companies and funds.

Thomas Wagner is a CFP® with 15 years of industry experience. He is affiliated with LPL Financial and has held prior roles at Securities America Advisors, National Planning Corporation, and has operated Wagner & Associates, LLC since 2010, specializing in tax preparation and accounting services. 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, model portfolios, and institutional platforms, supported by a network of investment adviser representatives.

Thomas Fallon is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. His prior work includes over two decades at American Portfolios Financial Services, Inc. and a long tenure with Ford Financial Group/Phoenix Home Life. He is also a commissioned notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Patrick Buzby is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on helping clients develop personalized wealth management strategies tailored to their short-, mid-, and long-term financial goals. Patrick works with clients in areas such as corporate benefits, education planning, employee benefits planning, personal retirement planning, portfolio management services, and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from James Madison University. Patrick emphasizes building client-centered strategies by understanding what matters most to each individual, offering a range of services from general investing to retirement planning, and providing access to Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of his professional work, Patrick enjoys fishing, golfing, skiing, and spending time with his family.

James Angiuli is a CFP® professional with 28 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at Wells Fargo Advisors, Fidelity Personal and Workplace Advisors, Fidelity Brokerage Services LLC, and Wells Fargo Clearing. Outside of his advisory role, he is a notary. 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 variety of financial planning and investment services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies across multiple asset classes.

Samuel Radogna is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Outside of his financial advisory role, he is involved in music creation and plays in a band represented by Broadcast Music Inc. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Peter Schoenenberger is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab since 2016. 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by centralized supervisory and custody arrangements.

Patricia Koch Perkins is a financial advisor at Morgan Stanley with 38 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Kyle Kaiser is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Cetera Advisor Networks and Allied Wealth Partners. Outside of advising, he previously worked at Cliff's Homemade Ice Cream for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing multiple portfolio strategies and proprietary research tools.