Thomas Dartnell is a financial advisor at Cetera with 25 years of industry experience. He holds the PFS™ and Series 66 designations and has worked at firms including Avantax and 1ST Global Advisors. In addition to his advisory role, he is a partner at Nisivoccia LLP, a certified public accounting firm, and is involved as an owner and investor in Wealthspring Financial Partners LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary services across various program structures and custodial relationships.

Carolyn Ottenbreit is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Sparta, New Jersey office. She holds the CERTIFIED FINANCIAL PLANNER® professional designation and serves a select group of affluent clients, including current or retired corporate executives and professionals. Carolyn joined Merrill in 1986 and transitioned to the Private Client Group in 1996 after ten years in corporate finance. Carolyn's expertise encompasses managing all aspects of clients' finances and investments, offering services such as retirement planning, estate planning, tax minimization strategies, philanthropic planning, portfolio management, and retirement income planning. She leverages the global resources of Merrill and collaborates with specialists and clients' tax and legal advisors to provide comprehensive financial strategies. Carolyn emphasizes financial education to foster a collaborative client-advisor relationship. She holds a bachelor's degree from Princeton University and a master's degree from The Wharton School at the University of Pennsylvania, where she concentrated in finance. Carolyn has also been actively involved in community organizations, having served as Past Chairperson of The SCARC Foundation, Inc., and Past President of the Newton Rotary Club in New Jersey. Her personal interests include cooking, reading, and traveling.

Mary Mc Govern is a Series 66-licensed financial advisor at Thrivent Investment Management with 20 years of industry experience. Her prior roles include positions at Morgan Stanley, Wilmington Trust NA, Merrill, and Bank of America. She also worked as a caregiver for two years. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing holistic, goal-based financial plans without discretionary trading authority. The firm allows clients to combine planning with managed accounts through a consolidated billing option called “WealthPlan,” while keeping these services separate.

Ryan Hynson is a Series 66-licensed advisor with Cetera, bringing four years of industry experience. He has previously worked with Nisivoccia Wealth Advisors and Avantax Investment Services and serves as a partner at Nisivoccia LLP, a tax and accounting firm. Outside of advisory work, he is a committee member of the Sussex County Chamber of Commerce Young Professionals Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and advisory services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Daniel Bolio is a financial advisor with Merrill in Succasunna, NJ, holding Series 66 and Series 63 licenses and four years of industry experience. His prior roles include positions at JP Morgan Securities, JP Morgan Chase Bank, and New York Life Insurance Agents. Before his financial services career, he worked at Titan Specialty Doors for six years. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Justin Aisoff is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2019. Before joining Edward Jones, he held positions at Rummel Construction, MISOM Technologies, and served in the Arizona Army National Guard. He is also the CFO of MyStockTeacher LLC. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of investment advisory programs and maintains a large nationwide network of financial advisors and branch offices.

Andrew Grant Sr. is a Series 66-registered advisor with nine years of industry experience. He is currently with LPL Financial, where he has worked since 2019, and previously was associated with 1st Global Advisors, Inc. and 1st Global Capital Corp. He is also involved with Caristia, Kulsar & Wade, LLC, a firm he has been part of since 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions with a wide range of financial planning and investment management options, including third-party asset management and institutional platforms.

Dennis Gerkhardt is a CFP® with 32 years of industry experience, currently associated with LPL Financial since 2025. He previously worked at Ic Advisory Services, Inc. for 19 years and The Investment Center, Inc. for 27 years. Outside of his advisory role, he is involved in tax preparation and accounting activities and operates a farm business. 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 access to third-party asset management, and supports its investment adviser representatives with research and operational tools.

Matthew Engelau is a Series 66 licensed financial advisor with LPL Financial, where he has worked since 2006. He has 19 years of industry experience. Outside of his advisory role, Engelau serves as a member of the Hackettstown Town Council, participating in local government decisions. 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 financial planning and investment management services, utilizing a variety of strategies and technology tools to support its network of more than 22,800 advisors.

Keith Smith is a CFP® with 37 years of industry experience, currently serving at LPL Financial since 2019. His previous roles include seven years at Ameriprise Financial Services and ten years at PRUCO Securities. Outside of his advisory work, Smith is involved in real estate rental related to his office location in Flanders, NJ. 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, supported by extensive operational tools and a large network of over 22,800 advisors.

Benjamin Meyers is a Series 66-credentialed financial advisor with Morgan Stanley, based in Sparta, NJ, bringing 23 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2024. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm uses structured planning tools and proprietary models to assist clients, managing approximately $2.74 trillion in client assets.

Michael Staufenberger is a financial advisor with Stifel, holding Series 63 and Series 65 designations and 32 years of industry experience. He has been with Stifel since 2007. Outside of his advisory role, he owns and manages Whitetail Ridge Farm in New Jersey, where he is involved in hay and corn farming as well as maintaining food plots for hunting. Stifel serves individuals, including high net worth and non-HNW clients, as well as institutional clients such as pension plans and charitable organizations. The firm provides brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Rouba Staufenberger is a financial advisor at Stifel with Series 63 and Series 65 credentials and one year of industry experience. Her prior work includes roles at Real Chemistry, The Planning Shop, Psyma International, and Adelphi Research. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Ava Nelson is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on personal retirement planning, women and wealth, and tax minimization to help clients pursue their financial goals with confidence. Ava holds the Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) professional designations. She earned a Bachelor's Degree as well as a Master of Business Administration (MBA) from William Paterson University. In her role, Ava emphasizes education, thoughtful planning, and personalized strategies tailored to individuals and families. Outside of work, she enjoys cooking, hiking, and soccer.

Harold Uszerowicz is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2019, following positions at Wells Fargo Clearing and Wells Fargo Advisors LLC between 2012 and 2019. Outside of his advisory work, he is an amateur photographer. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Sarah Aly Mahrous is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and four years of industry experience. She has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2021, and previously held roles at PNC Bank from 2017 to 2021. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Gregory Calotta is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 29 years of industry experience. He has worked with Cetera and Cetera Financial Specialists LLC since 2005 and was previously associated with Bruno, Calotta & Associates LLP for 28 years. Outside of his advisory role, he owns Calotta Advisory Services LLC, which provides accounting, tax, and consulting services to small businesses and individuals. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform that offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Deirdre Hartmann is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. She has previously worked with Avantax Advisory Services and 1st Global Advisors, and has been associated with Nisivoccia LLP since 2006. Hartmann is also a trustee for a family trust and an owner of Wealthspring Financial Partners LLC, a vehicle created for acquiring financial services and tax practices. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporations, and charitable organizations. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Alan Meckler is a CFP® and ChFC® credentialed financial advisor with 33 years of industry experience. He currently works at OSAIC and has previously held roles at Securities America Advisors, Hornor Townsend & Kent Inc, and Penn Mutual Life Insurance Company. Meckler also serves as a board member of St. Christopher's Inn, a nonprofit organization. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs, utilizing firm-provided portfolio construction tools and multiple advisory platforms.

Timothy Ferguson is a financial advisor with Equitable Advisors in Columbia, NJ, holding a Series 66 designation and one year of industry experience. His work history includes roles outside finance, such as positions at Pinecrest Lake Golf & Country Club and Knowlton Township Elementary School. Equitable Advisors serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations, providing financial planning and asset management through a network of Investment Adviser Representatives and third-party managers.