Brian Wong is a financial advisor with LPL Financial, holding a Series 66 designation and having 20 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. Outside of his advisory work, he is a commissioned notary public in New Jersey. 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 advisers, utilizing model portfolios, third-party subadvisors, and customized strategies.

Joseph Cosenza is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 40 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 2004. Outside of his advisory role, he is involved in managing and owning real estate in Brooklyn, NY. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Ruby Van Der Heide is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, she worked at Merrill Lynch / BofA and has experience in both banking and municipal roles. She also has experience in the food service industry through Catchy. Cafe & Catering. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Carol Tomensky is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory work, she acts as power of attorney for her sister as needed. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, offering both brokerage and advisory solutions across a broad platform.

Michelle Denisco is a CFP® with 28 years of experience in the financial services industry. She is currently with LPL Financial, having joined in 2024, and previously worked at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. Outside of her advisory work, she is involved in real estate referral services as a licensed salesperson in New York. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers, supported by both discretionary and non-discretionary strategies.

Renee O Connor is a financial advisor with J.P. Morgan Securities in Short Hills, NJ, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. Her career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Equitable, and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and may include ESG frameworks, with implementation supported by affiliated investment-management entities.

Hugo Bartell is a financial advisor with Equitable Advisors, holding the Series 66 designation and bringing 25 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 2001. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset management programs. The firm uses a range of advisory models often implemented through third-party sponsors and offers services covering mutual funds, ETFs, separately managed accounts, alternative investments, and ERISA fiduciary services.

Kenneth Freelund is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm utilizes a centralized due diligence process supported by both quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Justin Gosling is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016, following ten years at Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning approach uses structured discovery and firm-approved tools, offering services primarily in an advisory capacity.

Evan Bernat is a financial advisor at Merrill in Jersey City, NJ, with six years of industry experience. He holds a Series 66 designation and has been with Merrill since 2016. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Mignano is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and previously held roles at Jpmorgan Chase, Citigroup Global Markets, and Citicorp Investment Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines systematic quantitative screens and qualitative research, incorporating forward-looking capital market assumptions and an ESG eligibility framework.

Nicole Vento is a financial advisor at Cetera with 11 years of industry experience. She holds the CFP® designation and has worked at firms including Goldman Sachs, JPMorgan Securities, and Avantax. She is a partner in her family’s limited investment partnership, Vento Alpha Fund LP, where she holds a passive ownership stake. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of program options and manages over $256 billion in assets through more than 10,000 advisors nationwide.

Christopher Touma is an Investment Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he worked as a Financial Representative at Fidelity Investments from 2023 to 2025. In his current role, Christopher assists clients with holistic retirement planning and helps implement investment strategies tailored to their individual needs. He emphasizes taking the time to understand each client's unique goals to provide personalized financial guidance. Christopher's professional experience centers on investment consulting and financial representation, focusing on retirement planning and investment strategy implementation. Outside of work, he has interests in beach activities, boating, cars, fitness, and exploring food.

James Ferraioli is a financial advisor with Charles Schwab & Co., Inc., holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley, where he worked for a combined 12 years, as well as a brief tenure at Equitable Advisors. He is based in Jersey City, NJ. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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’s integrated structure combines non‑discretionary advisory relationships with access to discretionary separately managed accounts and offers multi‑asset model portfolios supported by centralized supervisory and operational capabilities.

Geoffrey Cleveland Sr. is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Bank of America, Merrill, J.P. Morgan Securities, Wells Fargo Advisors, RBC Capital Markets, and Ferris, Baker Watts. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Andrew Tomaino is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has worked at UBS Financial Services and Charles Schwab since 2022, with earlier experience in education and the food service industry. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management, financial planning, and custody services within a large, integrated operational structure.

Angela Soriano is a financial advisor with RBC Capital Markets in New York, NY, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by a notable capital-markets platform and affiliated asset management capabilities.

Kristi Dunlap is a financial advisor at RBC Capital Markets with 21 years of industry experience. She holds the Series 66 credential and has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles.

Steven Skapper is a financial advisor at RBC Capital Markets with 29 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Wells Fargo Securities, Clear Street LLC, and Wells Fargo Clearing. He is based in New York, NY. RBC Wealth Management, a division of RBC Capital Markets, serves individual, institutional, corporate, and charitable clients with tailored investment strategies and multiple advisory programs. The firm integrates in-house and third-party managers, offering discretionary and non-discretionary portfolio management, financial planning, and a range of investment options.

Africa Becerra is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. She has worked at Merrill since 2022 and was previously employed by Bank of America, N.A. from 2008 to 2022. 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 strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.