William Ryan Jr. is a CFP® with 35 years of industry experience, currently serving as an advisor at Private Advisor Group, LLC since 2017. He has also been affiliated with LPL Financial, LLC since 1998. Outside of his advisory roles, he sells non-variable insurance products including life, health, disability, long-term care, and fixed annuities. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

Pablo Baiza Castro is a financial advisor with Empower Advisory Group in Bloomfield, NJ, holding Series 63 and Series 65 credentials and two years of industry experience. His prior roles include positions at Primerica Advisors, Citizens Bank, and Harvard Business School. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

James Dy is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Private Advisor Group since 2015 and has also worked at LPL Financial since 2008. Outside of his advisory role, he is involved with Lamington Capital Partners, LLC, a business entity used for tax and investment purposes. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion across more than 135,000 client relationships, offering portfolio management, financial planning, and retirement plan consulting to individuals, trusts, estates, charitable organizations, and corporate clients. The firm utilizes a variety of investment strategies and platforms, including both discretionary and non-discretionary management, and supports held-away account management through technology partnerships.

Bryan Kossove is a financial advisor with OSAIC Institutions, Inc. He holds Series 63 and Series 65 licenses and has 29 years of industry experience. His prior firms include Ameriprise and Royal Alliance. Outside of his advisory role, he owns BHK Tax Services, a tax preparation business. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans, offering advisory and brokerage services through customized engagements and access to alternative investments. The firm is notable for its predominantly non-discretionary assets and its dual broker-dealer/adviser status.

Lori Koval is a financial advisor with Oppenheimer, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. She has been with Oppenheimer since 2003. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides a range of advisory and brokerage services, utilizing strategic and tactical asset allocation, manager selection, and various investment strategies tailored to client objectives.

Timothy Burklow Jr. is a CFP® and ChFC® with eight years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and previously worked at Burklow & Rotella and Ameriprise. Before entering the financial advisory field, he was employed at Rutgers University for four years. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves a diverse client base including individuals, pension plans, corporations, trusts, and charitable organizations, offering a range of portfolio management and financial planning services.

Michael Flower is a CFP® with 30 years of experience in the financial industry. He is currently affiliated with Hightower Advisors and Hightower Securities LLC, where he has worked since 2018. Michael has prior experience at Securities America Advisors, Inc. and Securities America, Inc., spanning 14 years. Outside of his advisory work, he serves as a trustee at Packanack Community Church and is a member of the Economic Development Commission of Wayne Township. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and financial institutions. The firm’s advisory approach involves manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, with a range of investment vehicles and services tailored to client needs.

Arthur Grossbard is a financial advisor with OSAIC Institutions, Inc. in West Orange, NJ, holding Series 63 and Series 65 credentials and 44 years of industry experience. His prior work includes 28 years at Royal Alliance Associates, Inc. and five years at Ameriprise. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans, offering advisory and brokerage services through customized engagements, financial planning, ERISA plan services, and access to alternative investments via the CAIS platform. The firm employs a mix of fundamental and technical analysis and features predominantly non-discretionary assets alongside distinctive lending and cash-management solutions.

Ryan Kirschner is a financial advisor at PNC Wealth Management with 14 years of industry experience. He holds a Series 66 designation and previously worked at Prudential Insurance Company of America for nine years. Kirschner joined PNC Investments, LLC in 2025. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessment and approved mutual fund and ETF strategies managed by PNC or third parties.

David Cevallos is a financial advisor at TD Private Client Wealth LLC with a Series 66 designation. He has experience at several firms, including Wells Fargo Bank, UBER, and TD Bank. Cevallos has been with TD Private Client Wealth LLC since 2026. TD Private Client Wealth LLC provides discretionary wrap‑fee managed account programs and brokerage services to institutional, high-net-worth private clients, and retail clients. The firm offers portfolio management, financial planning support, and uses a combination of affiliated and third-party sub-managers in its investment approach.

Charles Porter III is a financial advisor at Benjamin F. Edwards & Company, Inc. with 17 years of industry experience. He holds the Series 66 designation and has been with Benjamin F. Edwards since 2015. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer with approximately 436 advisors and $15.7 billion in client assets. The firm serves individuals, corporations, retirement plans, trusts, foundations, and charitable and educational organizations, offering a range of advisory programs and investment management solutions that include both firm-developed and third-party model strategies.

Matthew Hoehn is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including BlackRock, Goldman Sachs & Co., and Blackstone. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, supported by in-house research and a wide range of advisory and execution services.

Jeremy Raffer is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 credential and 17 years of industry experience. He has worked at several firms including Raymond James Financial Services, Inc. and Wells Fargo Advisors. In addition to his advisory work, he is the author of a book titled *Financial Planning for Windows*. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory and financial planning services through both discretionary and non-discretionary portfolio management.

Robert Davis is a CFP® professional with 35 years of experience, currently serving as an investment advisor representative at Kestra Advisory since 2016. He also owns Wealth Preservation Solutions and has been associated with Krim Associates and Kestra Investment Services, LLC since 2008. Davis refers clients to Medicare BackOffice for healthcare needs related to Medicare but holds no formal role with that organization. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers fiduciary consulting, plan-level investment advice, employee education, and access to multiple management platforms, serving clients including large institutional investors such as sovereign wealth funds.

Zachary Fuld is a financial advisor with Equity Services, Inc., holding a Series 66 designation and eight years of industry experience. He has worked at Equity Services, National Life Group, Guardian Life Insurance Company, Park Avenue Securities, and Cross River Bank. Outside of his advisory roles, Fuld serves as a board member for Congregation Beth Sholom-Synagogue. Equity Services, Inc., also known as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms with a mix of long-term and shorter-term investment strategies, utilizing third-party asset managers and model portfolios.

Gregory Giardino is a CFP® professional located in Oakland, NJ, with 18 years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC, having joined in 2024 after prior roles at Atlas Fiduciary Financial, LPL Financial, and other advisory firms. Giardino serves as Secretary of the Greater Pascack Valley Chamber of Commerce and as Director of Marketing and Communications for the Financial Planning Association of New Jersey. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm emphasizes diversified, risk-class based investment allocations combining passive and active management, supported by an internal Investment Committee and a range of implementation tools and services.

Gianfranco Gonzales Lopez is a CFP® and holds a Series 66 license with five years of industry experience. He has worked at Wealth Enhancement Advisory Services, LLC since 2020 and has previous experience at LPL Financial, FHC Wealth Advisors, Columbia Bank, and William Paterson University of NJ. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and referrals to separate managed account investment managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets under management and employs a diversified, risk-class based investment approach that blends passive and active strategies overseen by an internal Investment Committee.

Myra Rosenblatt is a CFP®-designated financial advisor with 35 years of industry experience. She has worked at Lincoln Investment since 2017 and previously spent 23 years at Legend Equities Corporation. Rosenblatt conducts her investment business under the DBA SOSAE Rose Financial Group LLC. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and retirement plan advisory services supported by both in‑house and third‑party investment strategies overseen by an Investment Management & Research team.

Helen Shaw is a financial advisor at Janney Montgomery Scott with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Janney Montgomery Scott since 2022, previously spending six years at Merrill. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse range of clients including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and various advisory programs.

Shayla Cloutier is a financial advisor at Private Advisor Group, LLC with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Edward Jones and Wells Fargo. Outside of her advisory role, she serves as treasurer for the Foskett Ranch Elementary School Parent Teacher Organization. Private Advisor Group serves a broad range of clients including individuals, business entities, trusts, estates, and charitable organizations, offering portfolio management, financial planning, and retirement-plan consulting through a network of investment adviser representatives. The firm provides access to multiple asset managers and platforms, supporting diverse investment approaches and client-specific restrictions.