Francis Carroll is a financial advisor at Wells Fargo Advisors with 43 years of industry experience. He holds Series 63 and Series 66 registrations and previously worked at Wells Fargo Clearing and Gruntal & Co., L.L.C. Outside of advising, he owns and manages a rental property in Wharton, NJ. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services that include cash-flow, retirement, and niche planning areas. The firm uses proprietary research and tools to develop client recommendations delivered through meetings and written summaries, with clients choosing how to implement the advice.

Kevin Otskey is a financial advisor with LPL Financial in Nutley, NJ, holding a Series 66 license and 12 years of industry experience. He has worked at LPL Financial since 2023 and concurrently operates Engler Financial Services, which he has run since 2015. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources to support discretionary and non-discretionary management.

Cameo Price is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Martin Welzmuller is a CFP® professional with 29 years of experience in the financial industry. He is currently with Stifel, where he has worked since 2023, following seven years with Wells Fargo Clearing and five years with Wells Fargo Advisors LLC. Outside of his advisory role, Welzmuller is active in his community, serving as Vice-Chairman of a charitable fund, President of a local Republican Club, and holding elected and volunteer positions related to education and political committees in Mount Olive, NJ. Stifel serves a broad client base including individuals, institutional investors, and municipal entities, offering brokerage and advisory services supported by proprietary investment analysis and modeling from its Investment Strategy Group.

Syed Hussain is a financial advisor at LPL Financial with 20 years of industry experience and holds a Series 66 designation. His prior experience includes nine years at J.P. Morgan Securities and roles at Gladstone Institutional Advisory LLC and SAH Capital Advisory. Outside of financial advising, he is the managing partner and founder of Momentum Innovations, a technology services business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research supported by LPL Research and third-party subadvisors.

Christopher Baker is a financial advisor with Equitable Advisors in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Macquarie Capital Inc. and AXA Advisors, LLC. Outside of advisory services, he is involved with PGP Benefits, a general agency focused on health insurance. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Thomas Madaras is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside advisory services.

Sandra Swain is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2020, following a 14-year tenure at Merrill Lynch, Pierce, Fenner & Smith Incorporated. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services directly to individuals as well as through Corporate Financial Planning agreements with employers.

Daniel Carollo is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Goldman Sachs & Co. LLC and The AYCO Company, L.P./Mercer Allied. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles through both in-house and third-party managers.

Jared Cook is a Financial Consultant at Fidelity, where he applies a holistic planning approach to assist clients in understanding how different aspects of their financial lives work together to achieve their goals. He utilizes the resources available at Fidelity to address client questions, concerns, and objectives. Jared has held several financial advisory roles since 2007, including positions at TD Ameritrade, Mass Mutual, Prudential Advisors, Allied Wealth Partners, AXA Advisors, PFS Investments, Merrill Lynch, and West Rock Advisors. His experience spans over a decade in financial consulting and advisory services. Outside of his professional work, Jared engages in family activities, fitness, football, sailing, traveling, and volunteering.

Paul Ordonez is a Planning Consultant at Fidelity Investments, a position he has held since 2021. In this role, he works directly with clients to address their wealth management needs, focusing on individualized financial planning. Prior to his current role, Paul gained experience as an Investment Consultant at Fidelity Investments from 2020 to 2021. He also worked at Merrill Lynch, serving as a Registered Private Wealth Associate from 2019 to 2020 and as a Registered Client Associate from 2014 to 2019.

Rakema White is a financial advisor at Ameriprise with 24 years of industry experience. She holds Series 63 and Series 66 designations and previously worked for Stifel Nicolaus & Co Inc for nine years before joining Ameriprise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Ramin Saeedian is a financial advisor with Wells Fargo Clearing in Livingston, NJ, holding a Series 66 designation and 27 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a finance committee member for Crestmont Country Club in West Orange, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jaret Mittenthal is a financial advisor at LPL Financial with six years of industry experience. He holds the Series 66 designation and has previously worked with American Portfolios Financial Services LLC, Equitable Advisors, and AXA Advisors LLC among other firms. His background includes experience in politics and entertainment through roles at Keith Perry for State Senate and Yes Entertainment and Sports. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and various investment strategies.

Maurice Simpkins is a financial advisor at Charles Schwab with eight years of industry experience. He holds the Series 66 designation and has worked at several firms including TD Ameritrade Investment Management and Wells Fargo Clearing Services. Simpkins is based in Millburn, NJ. 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. The firm offers both non-discretionary and discretionary investment options, combining multi-asset model portfolios with research-backed alternative investments.

Jonathan Crozier is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63, Series 65, and Series 66 licenses and has 16 years of industry experience. Jonathan previously worked at M HOLDINGS SECURITIES, Inc. for 14 years before joining Raymond James in 2025. He is also active as a financial advisor at Eagle Rock Wealth Management and Greenberg and Rapp Financial Group, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional entities. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports its clients through advisory programs and institutional consulting.

Maklof Hoshan is a financial advisor with Wells Fargo Clearing based in Clifton, NJ, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has worked at affiliated Wells Fargo entities since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Victoria Gurney is a financial advisor with Wells Fargo Clearing in Woodcliff Lake, NJ, holding Series 63 and Series 66 registrations and 15 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Bank and Wells Fargo Advisors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Michael Neumann is a financial advisor with Morgan Stanley in Naples, FL, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Merrill and Morgan Stanley Smith Barney LLC. Outside of finance, he was involved with Coral Sea Fish and Pets LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning solutions supported by firm-approved tools and research.

Maria Mark is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds the Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, Merrill, and several pharmacy-related businesses. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.