Stephen Locker is a CFP® professional with 35 years of industry experience. He has worked at LPL Financial since 2017 and previously spent time at National Planning Corporation and Investacorp Advisory Services Inc. Outside of his advisory role, he has involvement with Lock23, LLC, a business entity related to securities trading. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives using a variety of discretionary and non-discretionary strategies.

Thomas Scotto is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 66 licenses and has nine years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and Regulus Financial Group, LLC. Outside the financial sector, he was involved with Villa Monte Pizzeria for two years. 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 programs, using advanced tools to support annual collaborative planning engagements.

Rodney Medina is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 37 years of industry experience. Prior to joining LPL Financial in 2009, he worked at Citigroup Global Markets and Citicorp Investment Services. He is also involved with MK Financial Group LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a wide range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management.

Jason Peretson is a financial advisor at Wells Fargo Clearing in Princeton, NJ, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as an executor for his mother’s estate. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Tyler Dey is a Financial Advisor at Merrill Lynch Wealth Management. He partners with clients to build disciplined, personalized financial strategies and is part of a team that provides a concierge-style experience, assisting individuals and families with investment management, retirement planning, and long-term wealth goal navigation. Tyler also collaborates with Advisors on retirement plan administration and guidance. Prior to becoming a Financial Advisor, Tyler served as a Registered Wealth Management Client Associate. In that role, he supported portfolio operations, retirement plan administration, and daily client needs. He has been with Merrill Lynch and Bank of America since 2021 and is Series 7 and 66 FINRA registered, holding the Personal Investment Advisor (PIA) designation. Tyler earned a Bachelor's Degree in Finance with a focus on investment analysis from Rider University. He received several academic honors there, including the Andrew J. Rider Award and induction into Beta Gamma Sigma. He currently resides in New Egypt, New Jersey. Personal interests include baseball, football, golfing, hiking, music, and reading.

John Capeci is a financial advisor at Edward Jones with 29 years of industry experience. He has held roles at Edward Jones since 2018 and previously worked at Funds Distributor, LLC and Mirae Asset from 2010 to 2017. Outside of his advisory role, he is involved in commercial property financial services in Fanwood, NJ. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices.

Alan Friedman is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Equitable Advisors since 2003, including its predecessor Axa Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm’s approach involves assessing client information and risk tolerance to match clients with appropriate program models or discretionary managers, often utilizing third-party asset management platforms.

Hoyt Ammidon III is a Senior Financial Advisor with Merrill Lynch Wealth Management. He oversees and coordinates the financial affairs for a select group of families, retirees, corporate executives, and business owners in the Princeton, NJ area and across the country. Hoyt takes a holistic approach to his clients' financial affairs to help position them to achieve their goals and objectives. With over 40 years of experience in the financial industry, Hoyt's expertise includes commercial banking, equity and fixed income securities analysis, sales and trading, and portfolio management. His client focus areas encompass college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Hoyt holds a Bachelor's Degree from Middlebury College and a High School Diploma from St. Mark's School. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Hoyt enjoys biking, camping, cooking, ice hockey, skiing, yoga, and spending time with his family. He is also a member of the Schattenbaum PCA organization.

Michael Harris Jr is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. His prior work includes roles at Hellman Worldwide Logistics and Mack Staffing Agency, alongside long-term involvement with PFS Investments Inc and Primerica Financial Services. He also engages in part-time activities related to home security and automation product referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited discretionary separately managed accounts. The firm curates third-party asset managers and uses an exclusively percentage-based wrap fee structure.

Brandon Leung is currently the Branch Leader at Fidelity Investments, where he leads a team of financial professionals dedicated to assisting clients in achieving their financial goals and ensuring peace of mind. In this role, he emphasizes a collaborative approach, working closely with clients and their families to develop personalized wealth management plans. Brandon's professional experience spans various roles within the financial services industry. Prior to his current position, he served as a Planning Consultant at Fidelity Investments from 2021 to 2025. His background also includes positions as an Insurance Advisor at The Fortis Agency LLC, Founder and Managing Partner of Invictus Financial Partners LLC, Internal Advisor Consultant at New York Life Investment Management LLC, Financial Consultant at JPMorgan Chase, and Financial Solutions Advisor at Merrill Edge. Outside of his professional responsibilities, Brandon has interests that include food, football, social events, movies, pets, and volunteering.

Jayant Singh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and three years of industry experience. His career includes roles at Wells Fargo Bank, N.A. and People's United Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Robert Hearne Jr. is a financial advisor with RBC Capital Markets who holds Series 63 and Series 65 licenses and has 31 years of industry experience. He has been with RBC Capital Markets since 2008 and has also worked at City National Bank. Outside of his advisory role, he serves as a member of the finance committee at Trinity Church in Princeton, NJ. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, and charitable organizations by offering a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles and investment preferences.

Christine Sauer is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. She holds a Series 66 designation and has worked within the Wells Fargo organization since 2009 across several affiliated entities. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services supported by Wells Fargo research and tools, with clients allowed to choose how to implement recommendations through various brokerage or advisory programs.

Matthew Sopher is a CFP® professional with seven years of industry experience. He currently works at LPL Financial and previously held roles at Kestra Advisory, Morgan Stanley, and other firms. Sopher operates a financial planning business under the name Sopher Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Barbara Clarke is a CFP® with over 42 years of experience in the financial services industry. She has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves individual and institutional clients, offering advisory programs that include tailored financial planning and a range of investment services. The firm manages approximately $2.74 trillion in client assets and provides planning tools that incorporate market simulations and return estimates.

Brian Morris is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 14 years of industry experience. His career includes multiple tenures at Equitable Advisors as well as a role at AllianceBernstein L.P. from 2011 to 2012. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives and utilizes both proprietary and third-party advisory programs.

Stephen Scafidi is a financial advisor at Equitable Advisors with 10 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Equitable Advisors since 2016, including its predecessor firm AXA Advisors. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a variety of advisory models, including third-party managers and proprietary programs, to match clients with appropriate investment solutions.

Frederick Gomez is a financial advisor with Fidelity in Princeton, NJ, holding a Series 66 designation and over 21 years of industry experience. His career includes roles at Fidelity Brokerage Services LLC since 2012 and Wells Fargo Clearing from 2008 to 2012. Fidelity's Strategic Advisers LLC serves a diverse client base, including retail and institutional investors and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios from mutual funds, ETFs, and ETPs, employing systematic methodologies and oversight to address conflicts of interest.

Dave Hogan is a Financial Consultant currently working at Fidelity. He partners with clients to create personalized financial plans and provides ongoing education to help them make informed decisions about their financial goals. He focuses on understanding his clients' needs to develop customized approaches. He has held several roles in the financial services industry, including Financial Consultant at Fidelity since 2025, Investment Consultant at Fidelity Investments from 2022 to 2025, Financial Consultant at MassMutual from 2021 to 2022, Financial Planner at Northeast Private Client Group from 2020 to 2021, Relationship Banker at Bank of America in 2020, and Financial Consultant at Equitable Advisors from 2019 to 2020.

Cesare Cagnina is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Equitable Advisors since 2005, including its prior affiliation with Axa Advisors. Outside of his advisory role, he maintains an appointment related to health insurance through Emerson Rogers. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm emphasizes personalized client risk assessment and utilizes a range of third-party asset managers and advisory platforms in its investment approach.