Chester Makuch Jr. is a CFP® professional with over 31 years of industry experience, currently affiliated with Ameriprise since 2009. Prior to the current firm structure, he worked at Ameriprise Financial Services, Inc. He is also a co-owner of a retail business, Leonard's Kielbasi Market, in Wilkes-Barre, PA. Ameriprise provides specialized retirement-income planning services targeted at individuals approaching or in retirement, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Dominick Sarinelli is a financial advisor at Cetera with 18 years of industry experience. He holds a Series 66 designation and has held positions at Avantax Investment Services, Avantax Advisory Services, and 1st Global Advisors. Sarinelli is also a partner at Nisivoccia LLP, a firm specializing in tax and accounting services, where he has worked since 1989. Additionally, he serves as Treasurer of The 200 Club of Morris County, an organization supporting local first responders and their families. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with access to multiple program platforms and third-party money managers.

Ronald Guenther is a Series 65-licensed financial advisor with six years of experience at Cetera and ten years at Haber & Guenther LLC. He is based in Hackettstown, NJ. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and consulting services, with access to multiple program structures, third-party money managers, and a diverse range of investment strategies.

Steven Hadley is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 designations and has 29 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Hadley serves on the advisory board for the Walker Pond Conservation Committee. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process and offers a broad range of retail and institutional investment products.

Chester Geveda III is a financial advisor at Stifel with 25 years of industry experience. He has been with Stifel since 2007 and holds Series 63 and Series 65 licenses. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm’s proprietary investment methodology combines forward-looking capital market assumptions and probabilistic modeling to support asset allocation and planning analyses.

Noah Jacobson is a financial advisor at Stifel with 32 years of industry experience. He previously worked at RBC Capital Markets for 14 years before joining Stifel in 2023. His credentials include the Series 63 and Series 66 licenses. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and public entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses to support client decision-making.

George Carter is a financial advisor at Cetera with 27 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Allied Wealth Partners and Securian Financial Services, among others. Outside of advising, he is involved in fixed insurance sales through Allied Wealth Partners. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting multiple program structures and custodial relationships.

Matthew Korongy is an Investment Consultant at Fidelity Investments, where he collaborates with clients to develop simple and effective strategies aimed at achieving their financial goals. He takes a comprehensive and holistic approach to financial planning and guidance. With over 30 years of experience in the financial services industry, Matthew's career includes roles such as Financial Consultant at ETRADE Morgan Stanley from 2019 to 2024, Director positions at Citigroup from 2002 to 2018 and at M.S. Farrell & Company from 1996 to 2002, as well as Fixed Income Sales Associate at Lebenthal and Co. from 1991 to 1996. Outside of his professional work, Matthew enjoys activities such as cooking and baking, spending time with family, football, golf, hiking, and caring for pets.

Frank Ward is a CFP® with six years of industry experience, currently advising clients at LPL Financial in Morristown, NJ. Prior to joining LPL Financial in 2021, he held positions at Merrill and several other firms. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, institutions, and charitable organizations. The firm offers diverse advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Annette Mavropoulos is a financial advisor with Merrill, holding a Series 66 designation and bringing 40 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Yuma Morita is a financial advisor with Edward Jones in Denville, NJ, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, Morita worked at H&R Block and Lvly and has maintained ownership of Longface Productions LLC since 2002, although the company is currently dormant. Morita is also listed as an IRS Income Tax Preparer, having completed the 2025 Annual Filing Season Program for personal development. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies through a large nationwide network of financial advisors and branch offices.

Steven Hynson is a financial advisor at Cetera with a Series 66 designation and 12 years of industry experience. Prior to joining Cetera and Wealthspring Financial Partners in 2025, he held positions at Bank of America, Merrill, and Hennion & Walsh Asset Management. He is also involved with Wealthspring Financial Partners, where he provides comprehensive financial planning and investment advice to clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of investment management and financial planning services, including access to third-party money managers and multiple program structures, managing over $256 billion in assets.

Laura Hingle is a financial advisor with Equitable Advisors in Morristown, NJ, holding a Series 66 designation and 21 years of industry experience. She has worked at Equitable Advisors since 2013 and concurrently owns Black Diamond Solutions, an employee benefits advisory firm. She also serves as an administrator and executor of a family trust. 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 operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Alexander Whelan is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds a Series 66 designation and previously worked in professional hockey with teams including the Hartford Wolf Pack, Atlanta Gladiators, and Cleveland Monsters. Outside of his advisory role, Whelan is involved in coaching in the sport and fitness sector. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals using a variety of portfolio management and model-based strategies.

Kenneth Spielman is a financial advisor at Stifel with 33 years of industry experience and has been with the firm since 2007. He holds Series 63 and Series 65 licenses. Outside of his advisory work, he has served as an event photographer for venues and events such as Brooklyn Bowl and The Rock and Roll Playhouse. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Fernando Daveiga is a Series 66 credentialed financial advisor with 14 years of industry experience. He has worked at Cetera since 2024, following prior roles at LPL Financial LLC and Kestra Financial Services, Inc. Outside of his advisory work, he serves as president of the board of trustees for a homeowner’s association in Madison, NJ. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Judd Carlton is a CFP® professional at OSAIC with 21 years of industry experience. He has been with OSAIC since 2006. He serves as a trustee for Glassner Carlton Financial LLC, the business entity affiliated with his practice. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated financial advisers. The firm offers integrated brokerage and advisory services, using asset-allocation tools and multiple investment platforms to construct diversified portfolios incorporating a range of asset types.

Jennifer Cartagena is a financial advisor with Merrill in Florham Park, NJ, holding Series 63 and Series 66 designations and 14 years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2015. Outside of her advisory role, she is associated with Cartagena Group LLC, a battery and lightbulb retail business owned by her family. 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 for individuals, high-net-worth clients, and various institutional investors.

Barbara Coyne is a financial advisor at Morgan Stanley with 16 years of industry experience. She has previously worked at UBS Financial Services for nine years before joining Morgan Stanley Smith Barney in 2021. Coyne holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning and corporate financial planning agreements.

Barry Geltzeiler is a financial advisor at Stifel with 40 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Stifel in 2024, he worked for Wells Fargo Clearing and Wells Fargo Advisors LLC from 2015 to 2024. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment guidance is based on a proprietary methodology developed by its Investment Strategy Group that incorporates forward-looking capital market assumptions and probabilistic modeling.