Lawrence Rosen is a financial advisor with Ameriprise in Suffern, NY, holding Series 63 and Series 65 licenses and 21 years of industry experience. He has been with Ameriprise and its predecessor entity since 2010. Outside of his advisory role, he owns a consulting business, LJR Consulting. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing annual planning focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Meredith Wright is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. She has worked at LPL Financial since 2022 and has been with Ameriprise Financial Services, Inc. since 2014. Meredith operates Wright Wealth Management, LLC, a DBA related to her LPL business in Succasunna, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, and provides both discretionary and non-discretionary management options supported by research and technology.

Christopher Franzese is a financial advisor with LPL Financial in Ramsey, NJ, holding a Series 65 credential and one year of industry experience. He has also been associated with Franzese & Balian since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Sara Koshan is a financial advisor at Ameriprise with 14 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Raymond James & Associates for five years before joining Ameriprise in 2021. Koshan is also the owner of Nexus Wealth Management LLC, where she manages her advisory business. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and annual planning advice focused on retirement income, asset allocation, and tax-aware withdrawal strategies.

Ryan Gardner is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He has been with Fidelity since 2013, progressing through roles including Financial Consultant and Investment Consultant. Prior to joining Fidelity, Ryan worked as a Financial Advisor at MetLife from 2009 to 2013. In his practice, Ryan focuses on a holistic approach to financial planning, assisting individuals and families with wealth accumulation, income planning, asset allocation, retirement planning, and investment planning. He holds a California Insurance License, supporting his work in various financial planning areas. Outside of his professional responsibilities, Ryan's personal interests include comedy, fitness, music, parenthood, and caring for pets.

Susan George is a financial advisor with Cetera who holds a Series 63 designation and has 18 years of industry experience. She has been with Cetera Wealth Services, LLC since 2015 and joined Cetera in 2023. In addition to her advisory work, she is involved in selling fixed insurance products and provides insurance and financial services through Fairfield Benefit Associates, Inc. Cetera Investment Advisers LLC is an SEC-registered advisor serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services via a large network of independent advisors and operates a multi-manager platform with access to affiliated and third-party managers.

Michael Kurzer is a financial advisor with LPL Financial in Totowa, NJ, holding the Series 66 designation and bringing 25 years of industry experience. He has been with LPL Financial since 2001 and is also a full member of The Kurzer Group, LLC, where he performs accounting functions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs and financial planning services.

Allan Gottesman is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and over 45 years of industry experience. He has been with Raymond James & Associates since 2004, including 16 years at its affiliated firm, Raymond James & Associates, Inc. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and municipal entities, and offers financial planning, investment consulting, and municipal advisory services.

Fred Kleinfeld is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 17 years of industry experience. He has worked with firms including Metlife Securities Inc, PNC Investments, and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors.

Thomas Stinson is a financial advisor at LPL Financial with a Series 66 designation and less than one year of industry experience. His prior work history includes roles outside of finance, such as positions at Harry's Chocolate Shop and Parabellum Security Group. He has been involved with DST Basketball for several years. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, employing both discretionary and non-discretionary management with access to model portfolios and research.

Miri Upton is a CFP® professional with 20 years of industry experience, currently associated with OSAIC since 2024. Her previous roles include positions at Securities America Advisors, Equity Services, Inc., and True North Financial Solutions/National Life Group. She owns Mommies and Money, LLC and serves on the boards of the Rockland Community Foundation and the Community Foundation of Orange, Sullivan and Rockland. Additionally, Upton is involved as a liaison for Boss Women United, a scholarship fund supporting female financial advisors, and facilitates financial education workshops. OSAIC serves a broad range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a large network of advisers and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and access to third-party money managers to construct diversified portfolios managed on either a discretionary or non-discretionary basis.

Josie Strafaci serves as a Planning Consultant, bringing 17 years of experience in financial services. She has been a Relationship Manager at Hennion & Walsh, Inc. from 2009 to 2026. Josie's professional approach focuses on building meaningful relationships through active listening and personalized guidance that aligns with each client's goals and priorities. Her work emphasizes thoughtful planning conversations designed to help clients feel confident and informed about their financial futures. Josie aims to create a supportive and collaborative environment to assist clients in navigating important financial decisions with clarity. Outside of her professional role, Josie engages in cooking and baking, family activities, fitness, hiking, and parenting.

Shane Schrader is a financial advisor with Ameriprise in Wayne, NJ, holding a Series 66 designation and beginning his advisory career in 2024. Prior to joining Ameriprise, he worked at DoorDash and has experience in education from positions at the University of Delaware and local schools. Outside of his advisory work, he operates a YouTube channel featuring comedic content. Ameriprise is a large institutional firm offering retirement-income planning services primarily for individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide customized, written recommendation reports, supported by a centralized consulting team and algorithmic tools.

William Downey is a financial advisor at Fidelity with 20 years of industry experience and holds the Series 66 designation. His prior experience includes roles at JP Morgan Chase Bank and JP Morgan Securities LLC. He has been associated with various Fidelity affiliates since 2017. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its advisory roles to registered investment companies, use of advanced technologies in research, and established governance procedures.

Michael Lanza is a financial advisor with Mass Mutual Investors Services in Saddle Brook, NJ. He holds the CFP® designation and Series 66 license and has seven years of industry experience, including roles at UBS, Dow Jones, and Ramapo College of NJ. Mass Mutual Investors Services, LLC 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, employing firm-approved tools and techniques to deliver written recommendations in collaborative annual planning engagements.

Nitin Bulsara is the sole advisor at NTB Advisory Services LLC, an independent firm based in Bloomfield, NJ. He holds a Series 65 designation and has 21 years of experience in the financial industry. Prior to founding his advisory firm, he has worked as a CPA since 1991. NTB Advisory Services LLC provides investment advisory and portfolio management services primarily to individual clients, with a tailored approach to portfolio construction and ongoing account reviews. The firm is also affiliated with an accounting practice, offering accounting-related services alongside investment advice.

Anthony Monks is the sole advisor and managing member of CTM Financial, LLC, an independent registered investment adviser based in Mahwah, NJ. He holds Series 63 and Series 65 licenses and has 23 years of industry experience, leading CTM Financial since 2002. CTM Financial provides portfolio management and advisory services to a small client base that includes individual investors and corporate clients. The firm offers separately managed accounts and utilizes derivatives in some strategies to manage exposures, distinguishing itself as a boutique, one-advisor practice with a specialized approach.

Donald Zoch is the sole advisor at Capital Allocation Management, Inc. in Totowa, NJ, bringing 31 years of experience at the firm and 11 years in the industry. He holds a Series 63 designation. Capital Allocation Management, Inc. provides investment advisory and portfolio management services primarily on a non-discretionary basis to individual clients. The firm manages approximately $93.4 million across about 35 client relationships, focusing on ongoing consultation and client approvals rather than discretionary trading.

Anthony Wrobel is a CFP® professional with two years of industry experience, currently serving at Smolin Wealth Advisors, LLC. His prior experience includes roles at Cetera Wealth Services, LLC and Cetera Investment Advisers LLC. He is also affiliated with the accounting firm Smolin, Lupin & Co., which refers clients to the advisory referral service. Smolin Wealth Advisors operates as an adviser referral firm, introducing clients to independent RIAs for portfolio management and related services. The firm serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, and does not manage client accounts or accept custody.

Theodore Byer is a CFP® and PFS™ with 19 years of experience in financial services. He is affiliated with Smolin Wealth Advisors, LLC, where he has worked since 2013, and is also a member of the accounting firm Smolin, Lupin & Co., P.A., practicing as a licensed CPA. He divides his professional time between financial advisory and accounting services. Smolin Wealth Advisors operates as an adviser referral firm, introducing clients to independent RIAs rather than managing client assets directly. The firm serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, and it functions as a small, single-advisor practice with a limited client base.