Gerard Turiano is a financial advisor with Primerica Advisors, holding the Series 63 designation and bringing 13 years of industry experience. He has been associated with PFS Investment Inc. since 2014 and Primerica Financial Services since 2011. In addition to his advisory role, he is involved in the sale of loan products and home security and automation service referrals through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm delivers advisory services at scale through model-delivery strategies created by unaffiliated asset managers, supported by third-party custody and trade execution providers.

Troy Runkel is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services LLC since 2018. His prior experience includes roles at HomeAdvisor Inc. and SUNY Oneonta. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver systematic, model-driven investment solutions.

Noel Muniz is a financial advisor at Morgan Stanley with 28 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Muniz holds Series 63 and Series 65 licenses and is based in Paramus, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to both individual and institutional clients. The firm offers tailored financial planning services and manages approximately $2.74 trillion in client assets.

Endre Pady is a financial advisor with Morgan Stanley in Little Falls, NJ, holding a Series 66 designation and having 36 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct individual plans and Corporate Financial Planning agreements.

Will Scholly is the Vice President and Branch Leader at Fidelity Investments, where he leads the Paramus Investor Center. He has held leadership roles at Fidelity since 2023 and has been part of the company since 2014. His professional experience includes positions such as National Planning Consultant, Financial Consultant, Investment Consultant, and Financial Representative at Fidelity Investments. Prior to joining Fidelity, he worked at PNC Investments and The PNC Financial Services Group, Inc., focusing on investment services and institutional investments. Throughout his career, Will has developed expertise in financial advising and branch leadership. His roles have involved coaching and inspiring financial professionals, contributing to the growth and development of his team. His experience spans over a decade in the financial services industry, emphasizing investment consulting and financial planning. The information provided does not include details about his education, credentials, personal interests, or community involvement.

John O'Neil is a Financial Advisor at Merrill Lynch Wealth Management. He works with ultra-high-net-worth individuals, families, corporate executives, and business owners to develop sophisticated wealth management strategies and assist clients in achieving their stated goals and objectives. John holds a Bachelor's Degree from College of the Holy Cross and a Masters of Business Administration (MBA) from Boston College. He holds the designation of Personal Investment Advisor (PIA). He is actively involved in community activities, including supporting the American Cancer Society's Northern New Jersey Golf Classic and serving as the Director of the Oakland Braves Rec Football program.

Eugene Spitzer is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He previously worked at Ameriprise Financial Services and Edward Jones. Outside of his advisory role, Spitzer is involved with Preserve Land Company LLC, where he advises on home construction costs and materials and participates in building a modular home. 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 and access to model portfolios and third-party management, supported by technology tools and a broad platform of non-advisory financial products.

Joseph Goscienski is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and serves clients directly as well as through Corporate Financial Planning agreements.

Alexander Patunas is a financial advisor with LPL Enterprise holding a Series 66 designation and two years of industry experience. His prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of finance, he has experience working in retail and recreational settings such as Golf Galaxy and Campgaw Mountain Ski Area. 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 with access to third-party managers, financial planning, and affiliated insurance and trust services.

Louis Tellone is a financial advisor at OSAIC with 10 years of industry experience. He holds the Series 66 designation and previously worked at American Portfolios Financial Services, Inc. for nine years. Outside of investment advisory, he is the president and owner of Belmont Tax Service, an accounting and tax preparation business. OSAIC serves a diverse client base, including retail, institutional, and high-net-worth investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers and multiple platforms.

Jody Graber is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. Prior to joining LPL Financial in 2025, Graber worked at Ic Advisory Services Inc. and The Investment Center, Inc. He is also involved with Graber Agency, Inc., an insurance business he has operated since 1977. 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 portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Sean Greenhut is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His career includes roles at Charles Schwab Bank, SSB since 2023, Charles Schwab since 2022, and TD Ameritrade from 2016 to 2022. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines non-discretionary client advisory models with access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Matthew Zambito is a financial advisor with LPL Financial, holding a Series 63 designation and having 33 years of industry experience. He has worked with Linsco/Private Ledger Corp. since 1998 and operates Zambito Financial Service Corp., providing financial services since 1993. Additionally, he is a CPA and has been engaged in tax preparation and selling fixed insurance products through his firm. 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 portfolio programs, and institutional platforms, delivered through a large network of investment adviser representatives.

Patrick Grady is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with RBC Capital Markets since 2014. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, tailored to clients' risk profiles through a mix of in-house and third-party investment managers.

Rodney Alvarado is currently serving as a Branch Leader at Fidelity Investments, a position he has held since 2024. In this role, he provides ongoing coaching and support to associates to ensure they deliver consistent, high-quality guidance to clients through a holistic planning approach. Prior to this role, Rodney held leadership positions including Regional Vice President at Mercer Advisors from 2022 to 2024, Market Director of Wealth at J P Morgan from 2020 to 2022, and Branch Manager at Charles Schwab from 2019 to 2022. He also has extensive experience as a Financial Consultant, having worked at Charles Schwab from 2011 to 2019 and at Fidelity Investments from 2004 to 2011.

Anthony Orlando is a CFP® with 37 years of industry experience. He has been with OSAIC since 2000 and has operated his own firm, Anthony J. Orlando, Inc., since 1995, where he is involved in the sale of life, health, disability, and long-term care insurance. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and investment advisory services supported by various platforms and third-party money managers.

Robert Holman is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at J.P. Morgan Securities, Merrill, SVB Wealth Advisory, and Morgan Stanley. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, and retirement plan consulting, utilizing a variety of asset-allocation tools and third-party solutions to manage portfolios.

Brian Barker is a financial advisor with Charles Schwab holding a Series 66 designation and one year of industry experience. Prior to joining Charles Schwab, he has coaching roles in lacrosse and experience in the food service industry. He is actively involved as a lacrosse coach at multiple organizations, including LX20 Lacrosse Academy and Northern Valley Old Tappan High School. 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 a combination of non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, supported by an integrated operational structure.

Tiffany Carra is a financial advisor with Primerica Advisors in Oakland, NJ, holding her Series 63 and Series 65 credentials and bringing nine years of industry experience. Her prior work history includes roles at Theodore Agelis Jr. LLC, Dual Mark Inc., and PFS Investments Inc., among others. She is also involved in selling non-investment products such as home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm uses model-driven strategies developed by unaffiliated asset managers, supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Richard Ragold is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Transamerica and Sanford Insurance Group. Outside of his advisory work, he is involved in residential real estate referrals through Realty Executive Group. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.