John Brewster is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Ameriprise since 2017 and previously spent 11 years at UBS Financial Services. Brewster serves on the Board of Directors for the Ramapo College Foundation in Mahwah, NJ. Ameriprise provides retirement-income planning services primarily for individuals with at least $1 million in net investable assets, offering detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, algorithm-supported advice through a centralized consulting team.

Robert Wagner is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 33 years of industry experience. His prior roles include positions at Wells Fargo Advisors and HSBC Securities (USA) Inc. He is also involved in a business entity connected to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, and institutional platforms while supporting advisors with research tools and a broad array of financial services.

Kevin Grauer is a financial advisor with Ameriprise in Maplewood, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliate entities since 2006. Outside of his advisory role, he is involved in managing operational support functions and business ownership activities related to his practice. Ameriprise offers specialized retirement-income planning services for clients with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm provides a comprehensive range of advisory, brokerage, and insurance solutions through its affiliated companies.

John Donnelly is a CFP® with 40 years of industry experience, currently affiliated with LPL Financial since 2009. His prior roles include positions at Wells Fargo Clearing and Prudential Equity Group. In addition to his advisory work, he provides tax preparation and accounting services without charging a fee. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, supported by tools such as machine learning to assist advisors.

Lawrence Wefferling is a Series 66 licensed financial advisor with 27 years of industry experience. He has worked at LPL Financial since 2008 and previously was affiliated with Summit Financial Resources Inc. and Summit Equities, Inc. from 2002 to 2008. Outside of his advisory role, he is involved with Wefferling & Company, CPAs, LLC, an accounting services firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by extensive technology and a large network of investment adviser representatives.

Zachary Spero is a CERTIFIED FINANCIAL PLANNER™ with eight years of industry experience, currently serving clients at Ameriprise in Montclair, NJ. He has been with Ameriprise and its affiliate since 2018. Outside of his advisory role, he performs paraplanning duties under the supervision of a financial advisor through Longohmont, LLC. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Sasa Palavestra is a financial advisor at LPL Enterprise with 22 years of industry experience. He holds Series 63 and Series 65 designations and has prior experience at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers services such as financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Elizabeta Crevar is a financial advisor at Fidelity with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various Fidelity entities since 2014, including Fidelity Investments and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and delivers model portfolios to intermediary platforms.

Joseph Policastro is a CFP® and Series 66-registered financial advisor with three years of industry experience. He is currently affiliated with Cetera and has prior experience at Avantax and accounting roles at Nisivoccia LLP and Wealthspring Financial Partners, where he supported financial planning, tax preparation, and bookkeeping functions. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual investors, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and advisory services across various program structures and custodial relationships.

Tom Rachelski is a Financial Consultant currently with Fidelity Investments, a role he has held since 2023. He has 18 years of professional experience in financial services, demonstrating a commitment to holistic financial planning tailored to meet the unique needs of families. Throughout his career, Tom has held various positions, including Regional Vice President at JD Mellberg from 2022 to 2023, Client Advisor and Vice President at PNC Investments between 2017 and 2020, and previously Financial Consultant at Fidelity Investments from 2013 to 2017. His experience also includes leadership as a Team Leader at UBS from 2008 to 2012 and work as a Stock Broker at E1 Asset Management from 2006 to 2008. Outside of his professional work, Tom has interests in camping, gardening, military service, outdoor adventures, skiing, and softball.

Michael Castellano is a financial advisor with Equitable Advisors in Saddle Brook, NJ. He holds Series 63 and Series 65 licenses and has 11 years of industry experience, having worked at Equitable Advisors since 2014 and previously at Axa Advisors. He is also involved with FNA Insurance Services, Inc., operating as Blue Cove Capital, a general agency focused on health insurance. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives and third-party managers. The firm’s approach incorporates client risk assessment and the use of various advisory models, including third-party TAMPs, mutual funds, ETFs, and alternative investments, while offering ERISA fiduciary services to qualified plans.

Youngwoo Kwak is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 29 years of industry experience, including roles at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and MetLife Securities Inc. since 2015. Outside of his advisory work, he is also an agent involved in individual and group insurance brokerage. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning and asset management services, delivering recommendations based on firm-approved tools while generally not exercising investment discretion.

Joao Arruda Neto is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo, Charles Schwab, and PNC Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a mix of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management.

Mark Weinstock is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at MML Investors Services since 2011 and at MassMutual Life Insurance Company since 2010. Outside of his advisory role, he is also involved in insurance brokerage with a focus on individual life, health, and disability insurance. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a planning process that uses firm-approved software and emphasizes collaborative, goal-based recommendations.

Jason Klazmer is a financial advisor at Equitable Advisors in Montclair, NJ, with 11 years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors since 2014, previously affiliated with Axa Advisors. Klazmer is co-trustee and beneficiary of an irrevocable trust related to a life insurance policy. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement plan consulting, and a variety of asset-management programs. The firm utilizes a network of Investment Adviser Representatives and relies on third-party program sponsors and endorsed advisory platforms for investment implementation.

Steven Martino is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 28 years of industry experience. He has been with Cetera since 2008 and operates a CPA practice, Martino & Fisher, LLC, where he serves as managing partner providing accounting and tax services. Martino also owns a computer consulting business and acts as trustee for a family credit shelter trust. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management programs and access to third-party money managers, supporting both discretionary and non-discretionary account management.

Edward Giuliano Jr. is a financial advisor with Cetera who holds Series 63 and Series 65 registrations and has 16 years of industry experience. He has worked at Cetera since 2023 and previously held positions with Allied Wealth Partners and Securian Financial Services, Inc. Giuliano also engages in fixed insurance sales as an agent/broker outside of his advisory role. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts, offering a multi-manager investment platform with various portfolio management and financial planning services.

Heidi Wohlleb is a Series 66 licensed financial advisor with 18 years of industry experience. She currently works at Cetera and has prior experience at Avantax Advisory Services, 1st Global Advisors, Inc., and Nisivoccia & Company, LLP, where she has been active since 1989. In addition to her advisory role, she is involved with several related financial services entities, including serving as an advisor at Nisivoccia & Company, LLC and owning Wealthspring Financial Partners LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform, with access to both affiliated and third-party managers and various program structures.

Peter Robertiello is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He has worked at Wells Fargo Advisors since 2019 and previously held roles at Wells Fargo Clearing and Prudential Equity Group, LLC. He is a principal owner of Robes Capital LLC and a significant owner of Black Brook Wealth Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services using proprietary research and planning tools, with planning engagements typically structured as discrete projects.

Victor Puglio is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He worked at Oppenheimer for 12 years prior to joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from the Wells Fargo Investment Institute.