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.

John Montgomery is a financial advisor at TD Private Client Wealth LLC with five years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones, International House Associates, and Valley National Bank. Outside of advising, he manages and handles bookkeeping duties for International House Associates, a real estate holding business. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail investors. The firm employs a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers.

Donald Pfarr is a financial advisor with Private Advisor Group, LLC and holds a Series 66 designation. He has 18 years of industry experience and has been with Private Advisor Group since 2011, also maintaining a relationship with LPL Financial since 2008. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers a range of portfolio management and financial planning services, employing a variety of investment strategies and supporting held-away account management through multiple platforms and custodians.

Jude Digidio is a CFP® professional with 40 years of industry experience, currently affiliated with Private Advisor Group, LLC. His prior roles include 20 years at Cadaret, Grant & Co., Inc. and ongoing involvement with B & D Group since 1990. Private Advisor Group serves a diverse client base including individuals, businesses, trusts, estates, and charitable organizations, offering both discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting. The firm provides access to third-party asset managers and turnkey asset management platforms, with advisory solutions delivered through a large network of investment adviser representatives utilizing various analytical and trading approaches.

Thomas Caiazzo is a financial advisor at Goldman Sachs Wealth Services with five years of industry experience. He holds a Series 66 designation and previously worked at The Ayco Company and Mercer Allied. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, executives, and institutional clients, utilizing strategic allocation models and integrated resources across the Goldman Sachs platform.

Anthonny Garcia is a Series 65-credentialed financial advisor at Mariner with one year of industry experience. His background includes roles at Mariner Wealth Advisors and positions in education and the food service industry, including ongoing involvement with Goodfellas Ristorante. He also served in the United States Marine Corps from 2014 to 2016. Mariner serves a diverse client base, including high-net-worth individuals, pension plans, and charitable organizations, offering investment management, financial planning, and specialized tax and family office services. The firm employs a discretionary, customized investment approach supported by an internal management team and third-party managers, integrating a broad range of asset classes and operational capabilities uncommon for a firm of its size.

Thomas Moyer is a CFP® professional with 36 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC since 2021. His prior experience includes roles at LPL Financial and Mutual Securities, Inc., as well as founding Macro Consulting Group LLC. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves individuals, trusts, estates, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm employs a strategic investment process combining passive and active management, supported by quantitative and fundamental research, and offers a range of financial planning, asset management, and specialized consulting services.

Kim Islami is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to joining PNC Investments in 2023, Islami worked at TD Ameritrade for ten years. Outside of advising, Islami serves as president of the MMD Foundation, a nonprofit organization focused on scholarships. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including a digital discretionary model account available by invitation. The firm relies on algorithmic questionnaires for risk assessment and implements investments via approved model strategies using mutual funds and ETFs.

Michael Waldron is a CERTIFIED FINANCIAL PLANNER™ practitioner with 28 years of industry experience. He is currently with &PARTNERS and has previously worked at Wells Fargo Advisors, Bank of America, N.A., and Merrill. Waldron also owns and manages MT Waldron Advisors LLC, an investment-related business. &PARTNERS serves a diverse client base including individual, institutional, and sovereign wealth fund clients, offering both investment advisory and brokerage services. The firm employs a range of portfolio management strategies using proprietary models and third-party managers, combining fundamental, technical, and quantitative analysis.

Anthony Mazzella is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 65 licenses. He has eight years of industry experience and has worked with firms including NYLIFE Securities LLC and Podell Financial Group. In addition to his advisory role, he operates True Path Wealth Strategies, focusing on selling New York Life products and brokering non-registered insurance products. Eagle Strategies serves a diverse client base including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Mark Murphy is a financial advisor with Primerica Advisors and Park Avenue Securities, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 39 years of industry experience, including long tenures at The Guardian Life Insurance Company of America and Primerica Advisors. Outside of his advisory work, he serves on multiple boards and is an author specializing in dental practice marketplace mergers and acquisitions. Park Avenue Securities LLC serves a diverse retail client base with both brokerage and advisory services, offering proprietary advisory programs and third-party manager platforms. The firm implements investment strategies through a combination of model portfolios, third-party managers, and digital advice solutions, supporting a range of assets and account-level services.

Maria De Los Reyes is a financial advisor at TD Private Client Wealth LLC with 18 years of industry experience. She holds a Series 66 license and has previously worked at Wells Fargo Advisors, Wells Fargo Clearing Services, and UBS Financial Services. TD Private Client Wealth LLC serves institutional clients, high-net-worth private clients, and retail clients through discretionary wrap-fee managed account programs and brokerage services. The firm employs a combination of strategic and tactical asset allocation using both affiliated and third-party sub-managers and offers financial planning support and custody services.