Edmund Delorenzo is a CFP® with 28 years of industry experience, currently affiliated with Cetera since 2005. He has held roles at McGoff, Collins & Delorenzo CPAs since 1998, providing tax, accounting, and forensic investigative services. Outside of advisory work, he is involved in forensic accounting consulting and also holds an insurance agent license, selling life, health, annuities, and long-term care products. Cetera Investment Advisers LLC operates as a nationwide multi-manager platform serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a network of over 10,000 advisors and approximately 800,000 clients.

Thomas Lopez is a financial advisor at OSAIC with 30 years of industry experience. He holds the Series 63 designation and has worked at OSAIC since 2024. His prior experience includes roles at American Portfolios Financial Services, Inc. and Cambridge Investment Research Advisors. Lopez also works as an independent insurance agent. OSAIC Wealth serves a diverse range of clients including retail investors, retirement plan sponsors, charities, and corporations. The firm offers brokerage and advisory services through a multi-advisor platform, with an investment process focused on model-based asset allocation, portfolio optimization, and access to third-party money management.

Wayne Brunck is a CFP® with 41 years of industry experience, currently serving at OSAIC since 2024. His prior roles include positions at American Portfolios Financial Services, Inc., Questar Asset Management, Questar Capital Corporation, Walnut Street Securities, Inc., and Nathan & Lewis Securities, Inc. He is also the owner of Partners in Planning, Inc., where he sells fixed insurance products. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, advisor-managed portfolios, unified managed accounts, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment strategies and third-party managers.

Ambrose Chan is a CFP® professional with 33 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2014. Prior to this, he spent 21 years with AC Financial Advisory Group. His background includes roles in advisory and insurance-related activities. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm provides both discretionary and non-discretionary management across multiple platforms and custodians, and offers proprietary model strategies through Founders Gate Capital.

Joseph Semper is a financial advisor with Primerica Advisors in New York, NY, holding a Series 63 designation and 29 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1996. Outside of his advisory role, he is involved in the sale of mortgage and home-related products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and discretionary separately managed account options tailored to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Frances Goldstein is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 credentials and having 46 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2015. Outside of her advisory role, she is involved in purchasing and occasionally selling antiques. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Pasquale Castaldo is a financial advisor with LPL Financial, holding a Series 63 designation and 23 years of industry experience. His prior roles include positions at Prudential Kafcos Realty and Cetera, where he worked for over a decade. Outside of his advisory work, he operates an income tax preparation service. 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 and model portfolio programs, supported by various operational and research tools.

Jose Martinez is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Certified Financial Services and the UFCW National Health & Welfare Fund. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Alexander Narciso is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2018. Prior to this, he worked at Marketing Advertising Promotions, Inc. and ABM Industries. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Quinn Devlin is a financial advisor with Ameriprise, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining Ameriprise, he was with Sellside Group LLC and has a background that includes four years at William & Mary and thirteen years with Livingston Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, featuring a written Recommendation Report and ongoing advice tailored to dependable income sources and tax-aware withdrawal strategies.

Christopher Stern is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He holds the Series 66 designation and operates out of Maywood, NJ. Edward Jones is a full-service wealth management firm serving a broad client base—including individual, institutional, and charitable clients—with approximately $1.01 trillion in assets under management. The firm offers a variety of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, and it operates under a fiduciary standard.

Americo Lisboano is the Senior Resident Director at Merrill, leading the Montvale, New Jersey office. He has been with Merrill since 1996 and brings extensive experience in wealth management, serving High Net-Worth investors with complex financial situations. Americo is committed to providing clients with sound financial advice, premier service, and extensive resources to help them achieve their financial goals. He manages discretionary portfolios through personalized or defined strategies, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Americo holds the Chartered Retirement Planning Counselor™ designation, along with other professional certifications including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He assists clients in developing strategies to manage their personal and business assets and liabilities, considering their goals, time horizons, and risk tolerances. A graduate of Rutgers University, Americo has been active in the financial services industry since 1992. In addition to his professional work, Americo is involved in the community as a board member of the Bergen County United Way. He also has language proficiency in Portuguese and English.

Gregory Amerkanian is a financial advisor at UBS Financial Services with over 32 years of industry experience. He has previously worked at Bank of America and Merrill Lynch. Outside of his advisory role, he is involved as a youth hockey coach at the Englewood Field Club and holds board positions at The Elisabeth Morrow School and the Armenian Church Endowment Fund. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers access to proprietary research and a broad range of financial products.

Richard Wu is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Outside of his advisory role, he performs paraplanning duties through Longohmont, LLC under the supervision of a financial advisor. Ameriprise provides a retirement-income planning service aimed at clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Victoria Meo is a financial advisor at Edward Jones with eight years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Prior to joining Edward Jones in 2018, she worked for Main Street Title & Settlement Services LLC from 2001 to 2018. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of over 23,700 advisors.

Tivan Szigethy is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. His prior roles include positions at TIAA-CREF and Wells Fargo NA. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a systematic investment process combining proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves a diverse client base through discretionary and non-discretionary advisory offerings.

Jeffrey Spaldi is a financial advisor at Edward Jones with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Express Scripts for sixteen years. He holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,000 advisors, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and other financial services.

Michael Valenza is a financial advisor with Charles Schwab in Paramus, NJ, holding a Series 66 designation and 14 years of industry experience. His prior experience includes roles at HSBC Securities, HSBC Bank USA, and Morgan Stanley Private Bank. He has been with Charles Schwab since 2020. 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, offering both non-discretionary and discretionary investment guidance with a multi-asset model portfolio approach.

Christine Maushardt is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 18 years of industry experience. She has worked at Cetera since 2019 and previously at Foresters Financial from 2012 to 2019. She operates WATERSEDGE WEALTH MANAGEMENT as a business related to her work with Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts, offering a range of advisory services through a large network of independent advisors.

Mark Cinotti is a Series 66-credentialed financial advisor with 14 years of industry experience. He has worked at Ameriprise since 2020 and previously spent nine years with Wells Fargo Advisors LLC. Outside of his advisory role, he is involved in a family-owned LLC that was established for real estate management but is no longer active. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.