Michael Castellano is a financial advisor with Equitable Advisors in Wayne, NJ, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has been with Equitable Advisors since 2014 and previously worked at Axa Advisors, LLC. Castellano is also involved with FNA Insurance Services, Inc., a general health insurance agency operating as Blue Cove Capital. 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, combining advisory and brokerage/insurance channels to tailor services based on client goals, risk tolerance, and time horizon.

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.

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 with Wells Fargo Advisors in Parsippany, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Wells Fargo Advisors and related entities since 2009. Outside of his role at Wells Fargo, he holds ownership interests in two wealth advisory firms, including a majority stake in Robes Capital LLC and a significant interest in Black Brook Wealth Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with clients able to choose implementation options through its brokerage or advisory platforms.

Victor Puglio is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 36 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a brief tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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 among its investment offerings.

James Farrell is a financial advisor with Ameriprise based in Ringwood, NJ, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior experience includes roles at Edward Jones and Axa Advisors LLC before joining Ameriprise in 2019. Ameriprise offers a retirement-income planning service targeting individuals with at least $1 million in net investable assets, delivering annual, non-discretionary written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support retirement planning, with an emphasis on assets held in Ameriprise-managed accounts.

Michael Pett is a financial advisor with Wells Fargo Clearing in Succasunna, NJ, holding Series 63 and Series 65 credentials and with 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

David Gallaway is a financial advisor with Cetera, holding the CFP® designation and a decade of industry experience. He has worked with several firms, including Cetera ADVISORS LLC and First Allied Advisory Services. Outside of advisory work, he owns and operates David M. Gallaway Tax Service, providing non-CPA accounting and tax preparation services, and also works as an independent contractor in mortgage and banking through Mortgage Network Solutions. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers portfolio management, financial planning, and access to multiple third-party managers through a multi-manager platform with discretionary and non-discretionary options.

David Mihlon is a CFP® and CFA® with 22 years of industry experience. He is currently affiliated with LPL Financial and has worked at PARK Financial Group and Cadaret, Grant & Co., Inc. He also has involvement in non-variable insurance advisory activities. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, supported by in-house and third-party research, and provides both discretionary and non-discretionary management options.

Lance Druckenmiller is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1992 and joined Merrill in 2007. Lance specializes in planning and portfolio management strategies designed to help individuals, families, and small business owners achieve their long-term financial goals through disciplined and diversified investment approaches. His expertise includes education planning, family wealth management, retirement planning, philanthropic planning, socially responsible and ESG investing, special needs planning, and small business strategies. Lance’s investment planning process begins with a thorough understanding of clients’ financial needs, goals, risk tolerance, and time horizons, followed by tailored asset allocation and ongoing portfolio management with regular client consultations. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation, is a Certified Financial Planner® (CFP), and a Personal Investment Advisor (PIA). Lance earned a Bachelor of Science in Business Administration from Fairleigh Dickinson University in 1984. He resides in Montville, New Jersey, with his wife and two children. He is an active member of the Knights of Columbus and the Montville Kiwanis Club. Outside of work, Lance enjoys biking, boating, cooking, dancing, gardening, hiking, horseback riding, reading, scuba diving, and skiing.

Joel Schaefer is a financial advisor with Mass Mutual Investors Services in Saddle Brook, NJ. He holds a Series 66 designation and has one year of industry experience. Prior to joining Mass Mutual, he worked at Prudential Financial for six years and has experience with IBM and Accenture. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved software tools and also provides event-driven planning services such as estate settlement and employer-sponsored programs.

Dallas Herold is a CFP®-certified financial advisor with Edward Jones, based in Cedar Knolls, NJ, and has 11 years of industry experience. He has been with Edward Jones since 2015. Outside of advisory services, he is involved in managing Herold Brothers, LLC, a real estate investment business, and receives royalties from Amazon and Apple Books. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large nationwide network of advisors and branches.

Katiana Carter is a Financial Advisor at Merrill Lynch Wealth Management. In her role, she works with professionals, executives, and business owners to develop personalized strategies focusing on wealth accumulation, retirement planning, investment management, and achieving long-term financial goals. Her approach emphasizes creating clarity and confidence tailored to what matters most to each client. Katiana possesses professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She holds a Bachelor's degree from Howard University and a High School Diploma from Mount Saint Mary Academy. She communicates with clients in both English and Spanish. Beyond her professional responsibilities, Katiana is involved in professional organizations such as the Bank of America LGBTQ+ Employee Network and the Merrill Black Professional Group. She participates in community activities with Greater Newark LifeCamp. Her personal interests include basketball, camping, gardening, music, painting, softball, watching movies, and yoga.

Joseph Wiesenfeld is a financial advisor with UBS Financial Services, based in Airmont, NY, and holds 22 years of industry experience. He has been associated with UBS Securities LLC and UBS PaineWebber Services Inc. since 1986. Outside of his advisory role, he is a partner in TRI STATE PACKERS, LLC, a company involved in dry food packaging. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management and offering proprietary research and model-based portfolio management.

Scott Struble is a financial advisor with Morgan Stanley in Little Falls, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market outlook models.

Thiago Nunes Antonio is a financial advisor with Merrill, holding a Series 66 designation and approximately one year of industry experience. Prior to joining Merrill in 2022, he worked at Kearny Bank and spent several years involved in academic and other roles. Merrill, along 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 institutions.