Frank Cummings is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 designations. He has 29 years of industry experience, including roles at Securities America Advisors, Banc of America Investment Services, and Quick & Reilly. Outside of his advisory work, he is an independent insurance agent offering life, health, disability, long-term care insurance, and fixed annuities. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of Financial Professionals and offers access to multiple platforms and proprietary model strategies.

David Zaccaria is a financial advisor at OSAIC with 31 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors, Inc., and Greenway Mortgage Funding Corporation. Outside of his advisory role, Zaccaria serves as the wrestling director for the West Essex Junior Knights, administering a recreation program for K-12 students. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a multi-advisor platform featuring discretionary strategies and third-party money managers.

Randall Egan is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Cetera and its affiliates since 2005 and operates the Egan Wealth Management Group as a DBA. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Nathan Goldwasser is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and 37 years of industry experience. He previously worked at METLIFE Securities Inc. for 18 years and has been with Mass Mutual and its affiliated firms since 2016. Outside of his advisory role, he operates an insurance brokerage business specializing in life, fixed annuities, disability, and long-term care products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver collaborative, annual planning engagements.

Andrea Hauptman is a financial advisor with Cetera in Parsippany, NJ, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has held various roles since 2011, including positions at Securian Financial Services, Allied Wealth Partners, and Alianza Services Corp. Outside of her advisory work, she serves as Controller for Alianza Services Corp, an authorized Herman Miller furniture dealer. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual investors, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program options and custodial relationships.

Ernest Escobar is a financial advisor with LPL Financial in Mahwah, NJ, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at JP Morgan Securities and JP Morgan Chase Bank. Outside of advising, he is a co-owner of BE Method, LLC, an e-commerce sales business. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a large network of representatives.

Michael Grofsick is a financial advisor with LPL Financial holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Agia, Valic Financial Advisors, and Morgan Stanley DW Inc. He is also involved as an agent offering non-securities insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, providing a range of advisory and brokerage services supported by extensive research and technology tools.

Dominic Guido is a financial advisor at Ameriprise with 56 years of industry experience. He holds the Series 63 designation and previously worked at Wells Fargo Clearing for nine years before joining Ameriprise in 2025. 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 recommendations and ongoing annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Henry Kahng is a financial advisor at Equitable Advisors with 25 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 2006. He holds Series 63 and Series 65 credentials. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm’s advisory approach includes matching clients to program models or discretionary managers through third-party sponsors and offers a range of investment options including mutual funds, ETFs, and alternative investments.

Michael Campione is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at New York Life Insurance Company and ConMed Corporation. 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 within a non-discretionary program.

Michael Ciano is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his main role, he owns a 50% interest in CRT Private Wealth Management and is involved in an insurance-related advisory role with Princeton Harriman Insurance Solutions. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning such as business-owner transition and special-needs analysis, supported by Wells Fargo research and tools.

Sudip Mukherjee is a financial advisor at UBS Financial Services with eight years of industry experience. He holds a Series 66 designation and has worked at UBS since 2017, following a 14-year tenure at MBIA Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor investment plans. The firm offers a broad range of services including portfolio management, financial planning, and capital markets activities.

Francis Brogan is a financial advisor with Cetera based in Parsippany, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked with firms including Allied Wealth Partners and Securian Financial Services. Outside of advisory activities, he is also involved in fixed insurance sales through Allied Wealth Partners. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services delivered through a large nationwide network of independent advisors.

Jean Jimenez is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds a Series 66 designation and has worked at several firms including Prudential Insurance Company of America, Pruco Securities, Barclays, NYLIFE Securities, New York Life Insurance, Morgan Stanley, HSBC Securities, J.P. Morgan Securities, and Chase Investment Services. 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 utilizing portfolios developed by internal research and third-party strategists, and also offers financial planning, access to third-party managers, and affiliated insurance and trust services.

John Downes is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His work history includes roles at Fidelity Investments since 2022, as well as prior positions in various fields including higher education and business. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to build model portfolios from mutual funds, ETFs, and ETPs, while also providing oversight and consulting services.

Joseph Plourde is a financial advisor with Equitable Advisors, holding a Series 66 designation and 26 years of industry experience. He has been with Equitable Advisors since 2000, including its prior affiliation as Axa Advisors LLC. Outside of his advisory role, he engages in an insurance brokerage business on a limited basis. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm uses a variety of third-party asset management programs and provides ERISA fiduciary services, focusing on matching clients to appropriate investment models without sponsoring its own wrap fee program.

Ruhi Unwalla is a Series 66-licensed advisor at J.P. Morgan Securities with six years of industry experience. Prior to joining J.P. Morgan in 2020, Ruhi held roles at ASK Wealth Advisors and in debt and treasury advisory at Redbridge. Outside of finance, Ruhi has experience working in fitness-related businesses, including Lucille Roberts and Kika Stretch Studio. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop asset allocation models and offers broader derivatives and commodities capabilities than many institutional advisory programs.

Richard Galgano is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. His prior work includes 14 years with Securities America Advisors and Securities America, Inc. Galgano is involved with Prestige Wealth Group LLC and G2 Financial LLC outside of his advisory role. 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 portfolio programs, third-party asset management, and institutional platforms.

Kaitlyn Cigolini is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill Lynch, UBS Financial Services, Wells Fargo Clearing, Sittig Cortese LLC, and Tiffany & Co. Her current role at Merrill began in 2022. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kenneth Traficante is a CFP® professional with 34 years of industry experience, currently serving at Equitable Advisors since 1999. Prior to this, he was affiliated with Axa Advisors, LLC for 21 years. Outside of advisory work, he is involved in business networking through BNI and holds power of attorney for his parents as well as serving as executor of his mother’s estate. Equitable Advisors provides financial planning, retirement consulting, and asset-management services to individual and institutional clients. The firm utilizes a range of advisory programs and third-party managers to deliver customized investment solutions without sponsoring its own wrap fee program.