Paul Halbkram is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 18 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2020, and previously was with TIAA and Lifetime Athletics from 2016 to 2020. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Doreen Dixon is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has worked previously with Avantax Investment Services, H.D. Vest Advisory Services, and the New Jersey Division of Gaming Enforcement. Outside of advising, she owns a personal income tax preparation service and is involved with Delta Sigma Theta Sorority, where she promotes financial literacy among members. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that supports both discretionary and non-discretionary investment strategies.

Pedro Gomes is a financial advisor with Morgan Stanley in Philadelphia, PA, holding a Series 66 designation and 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and proprietary tools, supporting clients with advisory services but generally without providing individual security recommendations as part of standalone plans.

Victor Garrido Pollan is a financial advisor with OSAIC, holding a Series 66 designation and seven years of industry experience. He previously worked at Lincoln Financial Advisors for six years and has also been affiliated with Brian C Greenberg & Associates since 2016. Outside of his advisory role, he owns a CPA and tax services firm and serves as president of a financial literacy education entity. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing a range of asset-allocation tools and third-party platforms to construct and manage portfolios on both discretionary and non-discretionary bases.

Frank Vellucci is a financial advisor with Morgan Stanley in Marlton, NJ, holding a Series 66 designation and 14 years of industry experience. He has worked at Morgan Stanley since 2017, including time with Morgan Stanley Private Bank, N.A., and was previously with Merrill from 2009 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Peter Berlin is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. His prior work history includes tenures at Ameriprise Financial Services, Morgan Stanley, Citigroup Global Markets, and Merrill. 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, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies.

Injil Muhammad is a financial advisor with Cetera, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. He has held roles at multiple firms including Avantax and Legacy 220 Incorporated, and operates a CPA practice focused on tax preparation. Muhammad is also involved in marketing and business development for Clarion Wealth Management and holds ownership in Clarion Tax & Wealth Strategies. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Joseph Gambone III is a financial advisor with Equitable Advisors in Bala Cynwyd, PA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked at Equitable Advisors since 2015 and was previously with Axa Advisors. Outside of his advisory role, he is involved as an agent with Ashar Group and maintains activities with several insurance firms including Aetna and Cigna. 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’s approach involves assessing client information and risk tolerance to recommend advisory models and discretionary management, utilizing both proprietary programs and third-party asset managers.

Rachel Goodman is a financial advisor with Equitable Advisors in Bala Cynwyd, PA, holding a Series 66 designation and one year of industry experience. She has worked at Equitable Advisors since 2024 and is also involved with 5 Star Appraisals, a real estate firm where she performs data entry. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through various advisory programs and third-party managers.

Robert Esposito is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Haddon Financial and SII Investments, Inc. for 20 years each. Outside of his advisory role, he is involved in non-variable insurance activities in Cherry Hill, NJ. 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 provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management.

Irina Nevedomskaia is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has prior work experience at Bank of America, Citizens Bank, and telecommunications firms including Vimpel-Communications and MEGAFON. She also holds a fiduciary role as a power of attorney for her spouse. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Declan Malcarney is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. He previously worked at Ameriprise and has a background that includes teaching roles and service with the Upper Township Beach Patrol. 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 roughly $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

James Frank is a financial advisor with Equitable Advisors in Bala Cynwyd, PA, holding Series 63 and Series 65 licenses and 43 years of industry experience. He has been associated with Equitable Advisors since 1999, with prior experience at Karr Barth Financial Planning, Inc. from 2002 to 2021 and Financial Planning Partners LLC from 2021 to 2023. Outside of advising, he is also an attorney specializing in estate planning and provides estate administration and trustee services. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement consulting, and diverse asset-management programs, utilizing third-party managers and its SAM program to implement advisory models.

Joseph Muziani is a financial advisor with Morgan Stanley in Mount Laurel, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2014. 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 and estate planning strategies, managing approximately $2.74 trillion in client assets.

Karlyn Wright is a financial advisor at UBS Financial Services with 14 years of industry experience. She holds a Series 66 designation and has previously worked at Goldman Sachs & Co. LLC and The AYCO Company, L.P./Mercer Allied. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocation to tailor investment strategies to clients’ goals and risk tolerances.

Mark Fisher is a financial advisor with Cetera Wealth Services, LLC, holding a Series 66 designation and bringing 26 years of industry experience. His prior firms include LPL Financial and Private Advisor Group. Outside of his advisory role, he serves as a senior financial professional at Alloy Silverstein Financial Services, focusing on financial planning and retirement solutions. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and advisory services through a multi-manager platform, providing access to affiliated and third-party managers with both discretionary and non-discretionary account options.

Isabella Conti is a financial advisor with Equitable Advisors, holding a Series 66 designation and three years of industry experience. She has worked at Equitable Advisors since 2022 and previously held roles at C&C Financial Company and Michigan State University. Outside of her advisory work, Conti is also a broker and sole proprietor of Emerson Reid, where she provides group health and life insurance options for companies. Equitable Advisors serves individuals, pension plans, corporations, and charitable organizations by offering financial planning, retirement plan consulting, and various asset-management programs. The firm delivers advice through a network of Investment Adviser Representatives and utilizes both firm-offered and third-party asset management solutions.

Thomas Marino is a financial advisor at OSAIC with 20 years of industry experience. He holds a Series 66 designation and has worked previously at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and Equitable Advisors. Outside of his advisory work, Marino serves on several community and nonprofit boards, including the Appalachian Mountain Club steering committee and local parks and recreation boards, and is an ambassador for Athletic Brewing. OSAIC serves a broad range of retail and institutional clients through a large affiliated network of advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party managers. The firm utilizes asset-allocation tools and supports multiple investment platforms and account management options.

Robert Greenwood is a financial advisor at Ameriprise with 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005 and holds a Series 63 designation. Greenwood also works as an independent insurance broker focusing on disability income. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. The firm offers a specialized retirement income planning service that provides written recommendations and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Jennifer Schimanski is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with Ameriprise and its affiliated entities since 1998. Outside of her advisory role, she is involved with H, H & W LLC, an investment-related outside business. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets. The firm uses a centralized consulting team to deliver non-discretionary, research-driven recommendations that incorporate modeling and tax-efficiency analysis, with an emphasis on assets held in Ameriprise Managed Accounts.