Kenneth Mills is a financial advisor with Mass Mutual Investors Services who holds the Series 63 and Series 66 designations and has 13 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has prior experience at MetLife Securities Inc. and New England Securities. Outside of his advisory role, he is also an independent insurance agent specializing in dental, group disability income, fixed annuities, life, accident, health, long-term care, and Medicare-related products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing annual collaborative planning relationships and the use of firm-approved analytical tools.

Thomas Musumeci is a financial advisor with LPL Financial, holding a Series 63 designation and 59 years of industry experience. His prior experience includes 18 years with Royal Alliance Associates, Inc. and 17 years with Investment Advisors Asset Management, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Douglas Berry is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 17 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2015 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to develop collaborative, annual financial plans tailored to client goals.

Gerard Bifulco is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has worked at Ameriprise and its affiliate since 2010. Outside of his advisory role, he is a self-employed CPA providing tax preparation services and serves as an adjunct professor at St. Peter's University. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Robert Gibbs is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. His prior experience includes roles at Morgan Stanley, Wells Fargo, and PNC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofit organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting services, utilizing both discretionary and non-discretionary portfolio management supported by in-house and third-party research.

Michael Farinacci Jr. is a financial advisor at Ameriprise Financial Services, LLC with a Series 66 designation and one year of industry experience. Before joining Ameriprise, he held positions in engineering and construction firms and has experience working with Mad Dog Lacrosse, LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing annual advice focused on income sources and tax-aware withdrawal strategies.

Christine Fredericks is a financial advisor with Ameriprise, holding a Series 66 designation and 13 years of industry experience. She has been with Ameriprise and its affiliated entities since 2017 and previously worked at Sandra Dalton. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary advice, supported by algorithmic automation and a centralized consulting team.

Jodi Citron is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 credentials and has 17 years of industry experience. She previously worked at Morgan Stanley for seven years and is currently affiliated with The Cutrupi Group, LLC as a Wealth Management Associate and Branch Manager. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools to support client goals and maintains specialized programs in municipal and public finance as well as SIMPLE IRA employer advisory services.

William Tucker is a financial advisor at LPL Enterprise with 34 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at World Investments, LLC and World Investment Advisors, LLC. Tucker is also licensed as an insurance agent, providing sales and service of non-variable insurance and annuities. LPL Enterprise serves individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio access, third-party asset management, and a range of brokerage and insurance products through an integrated platform.

Eric Tomsky is a financial advisor at UBS Financial Services with 28 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America and Merrill. Tomsky holds an advisory position with Armed Forces Brewing Company, a military tribute brewery supporting veteran needs. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to client goals. The firm integrates institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad range of capital markets and lending products.

Ursula Whitehurst is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. Her career includes roles at PFS Investments Inc. and Primerica Financial Services, as well as teaching positions in the New Jersey public school system. She is also a tutor and owner of Series 65 Interact, a non-investment related tutoring business. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients primarily via a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors.

Gaetano D'amato is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley and Credit Suisse Securities. He also serves as a power of attorney for a fiduciary entity outside of his primary role. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers for a range of individual and institutional clients.

Evan Silverstein is a financial advisor with MassMutual Investors Services in Wall Township, NJ. He holds the ChFC® and Series 63 designations and has 22 years of experience in the industry. He has been with MML Investors Services and MassMutual since 2003. In addition to his advisory role, he works as a licensed agent offering individual life, health, group health, and fixed annuities. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual collaborative planning relationships and uses advanced software tools to support client goal analysis.

Dana Polignone is a Series 66 licensed financial advisor with 16 years of industry experience, currently practicing at Wells Fargo Advisors since 2016. She is based in Staten Island, NY. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides tailored recommendations supported by Wells Fargo research and planning tools, covering a broad range of financial planning needs for clients who meet certain net-worth criteria.

Paul Nader is a financial advisor with Ameriprise in Freehold, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he oversees a small business, Paul Nader & Associates LLC, which is used primarily for payroll management. Ameriprise offers retirement-income planning services focused on clients nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency strategies to provide tailored, non-discretionary retirement recommendations, supported by a centralized consulting team and algorithmic tools.

Philip Ferraro is a CFP® with 18 years of industry experience, currently with Wells Fargo Advisors since 2023. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2023. Ferraro serves as Treasurer of the Brookdale Community College Foundation Board and is a member of the college’s Finance Committee, where he assists with oversight of investment accounts. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients who meet specific net-worth criteria. The firm integrates advisory services with other financial products and referral channels through a large network of advisors.

Brad Palent is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked within various Wells Fargo entities since 2009, including Wells Fargo Clearing and Wells Fargo Advisors. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of planning services and develops tailored recommendations using proprietary research and tools, with clients choosing how to implement these recommendations through brokerage or advisory programs.

James McCarthy is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has worked within various Wells Fargo entities since 2009. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options tailored to clients who meet a net-worth threshold and utilizing proprietary research and planning tools.

Michael Volini is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 14 years of industry experience. His prior roles include positions at American Portfolios Financial Services and Santander Securities. He also owns an expense management business and provides fixed insurance products as an insurance agent. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Scott Breslow is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at IC Advisory Services, Inc. and The Investment Center. He serves on the board of the nonprofit Harborside at Hudsons Ferry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary portfolio management supported by proprietary and third-party research.