Janine Scura is a financial advisor at OSAIC with 11 years of industry experience. She holds the Series 65 and Series 63 designations and has worked at Sagepoint Financial, Inc. since 2015 before joining OSAIC in 2023. Outside of her advisory role, she also provides insurance sales and services as an insurance agent. OSAIC Wealth serves a diverse clientele including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and the use of third-party managers and proprietary models.

Lawrence Katz is a financial advisor with LPL Financial in Wayne, NJ, holding a Series 63 designation and 40 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 1995 and Financial Network Advisory Corp. since 1993. Katz spends a small portion of his time involved in non-variable insurance and long-term care insurance. 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, including model portfolios, third-party asset management, and institutional platforms.

Nicholas Simmonds is a financial advisor with Wells Fargo Clearing in Succasunna, NJ, holding a Series 66 designation and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and at Wachovia Bank, N.A. since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Scott Cirelli is a financial advisor with Ameriprise in Mount Arlington, NJ, holding Series 63 and Series 65 licenses and possessing 18 years of industry experience. He previously worked at Stifel Nicolaus & Co. Inc. for nine years before joining Ameriprise in 2020. In addition to his advisory role, he is involved in independent insurance brokering. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized retirement planning supported by a centralized consulting team.

Roxanne Calabrese is a financial advisor at Osaic with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Woodbury Financial Services, Merrill, Morgan Stanley, Stifel, and Citigroup Global Markets. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, utilizing a range of managed account strategies and third-party money managers.

Thomas Pegel is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and NJ Claims Associates. Outside of finance, he has experience working in the hospitality and carpentry sectors. 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 plans, corporations, and charitable organizations.

Gary Pottinger is a financial advisor at Ameriprise with 24 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at LPL Financial from 2016 to 2023 before joining Ameriprise. Ameriprise Financial Services is a large, diversified firm that serves both individual and institutional clients, offering a specialized Premier Retirement Income service focused on written retirement income plans and ongoing advice. The firm’s approach includes comprehensive planning tools, restrictive enrollment criteria, and investment recommendations shaped by its affiliated product ecosystem.

Robert Ritchie is a financial advisor at Osaic with 19 years of industry experience. He holds a Series 66 designation and has worked previously at Royal Alliance Associates, JHFN SII, and Equitable Advisors. Outside of his advisory work, he serves as a college ice hockey and lacrosse referee and coaches youth and high school ice hockey. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform featuring brokerage and advisory services, model-based asset allocation, portfolio optimization, and access to alternative investments through third-party platforms.

Frank Minor III is a financial advisor at RBC Capital Markets with 41 years of industry experience. He holds a Series 63 designation and has previously worked at Bank of America and Merrill. Outside of his advisory role, he serves as executor for an estate and manages personal investments as a power of attorney. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment programs and portfolio management services through a combination of in-house and third-party managers, with integrated capital markets and alternative investment capabilities.

Thomas Montemurro is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. Prior to joining J.P. Morgan in 2018, he worked at Bank of America, Merrill, Harrisdirect LLC, Chase Investment Services Corp., and Equitable Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by a centralized due diligence process.

Paul Pallo is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with RBC Capital Markets LLC since 2014. Outside of his advisory role, he reviews investments and helps monitor the health of a beneficiary for a family trust on a part-time basis. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm employs multiple investment managers and model providers, tailoring strategies to clients’ risk profiles and offering integrated capital markets and alternative investment capabilities.

Mitchell Dorfman is a CFP® professional with 44 years of industry experience, currently with Wells Fargo Advisors in Denville, NJ since 2009. He also serves as an assistant fencing coach at Randolph High School. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser that offers a broad range of investment and financial planning services to individuals, trusts, and institutional clients, utilizing Wells Fargo research and planning tools to develop tailored recommendations.

Matthew Cannata is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. His prior work includes roles at Northwestern Mutual and Victory Home Remodeling, as well as experience at Rutgers University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm operates a large nationwide network of advisors and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Mohamed Ramadan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, NA from 2007 to 2018. Outside of his advisory role, he is an owner and landlord of rental properties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through customized asset allocation advice, investment manager searches, and performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Lauren Ehlers is a financial advisor with Merrill, holding Series 63 and Series 66 registrations and bringing 19 years of industry experience. Prior to joining Merrill, she was with Morgan Stanley and its affiliates from 2011 to 2019. Outside of her advisory role, she serves as a member of the Boonton Township Committee and the local Planning Board. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Loring is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2001 and Bank of America since 2009. 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.

Brent Roehrich is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and seven years of industry experience. Prior to joining Ameriprise in 2018, he worked at Genuine Parts Company from 2014 to 2018. He is also an associate advisor at Longohmont, LLC, where he manages an advisory business outside of his primary role. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that combines research, modeling, and tax-efficiency analysis, supported by a centralized consulting team that delivers personalized, non-discretionary recommendations.

Sabrina Persaud is a CFP®-designated financial advisor with 13 years of industry experience, currently with Morgan Stanley in Morristown, NJ. Her prior experience includes nine years at Merrill and Bank of America, N.A. She holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Marcia Geltman is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. She has previously worked with Avantax and 1st Global Capital Corp., and served as a partner at Nisivoccia LLP, a tax and accounting firm. Outside of advising, she is active in her community as an administrator and secretary of the Randolph Chamber of Commerce and serves as a trustee for The Growing Stage, a children’s theater organization. Cetera Investment Advisers LLC operates as a large multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services with access to affiliated and third-party managers across various program structures.

Michelle Russotto is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 credential and 30 years of industry experience. Her previous work includes ten years at Merrill and an additional five years at Ameriprise Financial Services, Inc. She is also engaged as an Associate Financial Advisor with PCA Management Corp, providing client support. 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 sources and tax-aware withdrawal strategies.