Jonathan Delo is a CFP® professional affiliated with Cetera, holding Series 63 and Series 66 licenses, and has 23 years of industry experience. Prior to joining Cetera in 2024, he worked at Ameriprise Financial Services, Inc. for 16 years. Outside of his advisory role, he owns an automotive oil change and preventive maintenance business. Cetera Investment Advisers LLC serves individual investors, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers. The firm manages over $256 billion in assets with more than 10,000 advisors nationwide.

Christopher Kelly is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and Chase Bank since 2016. From 2015 to 2019, he was also involved with Focus Artists. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Anthony Macagna is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2013. Prior to this role, he served as an Investment Consultant at Fidelity Investments in 2013 and as an Investment Adviser at MetLife Securities from 2009 to 2013. His professional focus includes helping families pursue tax-efficient investing and integrating estate planning considerations into his comprehensive financial strategies. Anthony emphasizes building partnerships based on trust and clarity, guiding clients with strategies aligned to their goals and ensuring they understand the reasoning behind every decision. He leads his clients with a collaborative approach and looks forward to introducing them to his team.

Susan Daly is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds the Series 66 designation and has been with UBS since 2011. Outside of her advisory role, she is a notary public in Yonkers, NY. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets activities.

Paul Zielinski is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Cetera since 2011. In addition to his advisory role, Mr. Zielinski owns and operates an accounting and tax practice, Worster & Associates CPAs, where he provides tax and accounting services. 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 portfolio management and financial planning services, utilizing multiple program structures and investment strategies.

Rafael Medina is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2008. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary advisory services supported by an in-house manager solutions team and a centralized due-diligence framework.

Carolyn Simon is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including J.P. Morgan Securities, Wells Fargo Bank, and Regent Atlantic. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Susan Witt is a financial advisor at Morgan Stanley in Paramus, NJ, with 20 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Corethia Oates is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, Oates is a board member of the Construction Industry Association of New Jersey and a certified Maxwell Leadership Coach, engaging in coaching, speaking, and leadership training. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and offers a variety of investment and financial services, including relationships with private funds and affiliated commodity pool operations.

Alan Concha III is a financial advisor with LPL Financial, holding the CFP® certification and Series 66 license. He has six years of industry experience and has previously worked at firms including Merrill and Bank of America. Outside of his advisory role, he is employed part-time at Aero Flight School in a non-investment capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Brooke Collins is a financial advisor at Morgan Stanley with six years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Morgan Stanley and its Private Bank since 2020. Prior to her financial services career, she held roles at WildFig Data, Taxxa, KIND Snacks, and Groundswell Surf Cafe. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market models.

Eva Teilborg is a financial advisor with Ameriprise in Riverdale, NJ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Her prior roles include positions at Merrill and Bank of America. She has been with Ameriprise and its affiliated entities since 2018. Ameriprise is a large institutional firm that offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary retirement income recommendations in partnership with its advisors.

Christopher Han is a financial advisor with Cetera, holding Series 65 and Series 66 credentials and 13 years of industry experience. His prior roles include positions at WTW, Aon, GWFS Equities, and Sentinel Benefits and Financial Group. He currently operates within several Cetera entities. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, retirement services, and access to third-party money managers through a multi-manager platform with discretionary and non-discretionary program options.

Christopher Butler is a financial advisor with UBS Financial Services who holds a Series 66 designation and has 16 years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2009 to 2024. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a broad range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and comprehensive capital markets services.

Sarah Burrows is a financial advisor with Raymond James Financial in Saddle River, NJ, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. Her prior experience includes roles at UBS Financial Services and Wiss Private Client Advisors. In addition to advising, she is involved as an associate employee in administrative work at Saddle River Financial Group. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base that includes individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and advisory programs and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Michael Rosero Jr. is a financial advisor at LPL Enterprise with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JPMorgan Securities, LLC and Key Client Fiduciary Advisors, LLC. Outside of financial services, he was involved in a commercial cleaning business for three years. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to a broad range of brokerage and insurance products through an integrated platform combining adviser programs with product sales.

Victor Anthony Jr. is a financial advisor with UBS Financial Services in Paramus, NJ, holding Series 63 and Series 65 licenses and 38 years of industry experience. He has been with UBS since 2007. Outside of his advisory role, he is a silent partner in two adult day habilitation-related businesses in New Jersey. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor advice to client goals and risk tolerances.

Angela Shaw is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2022. In her role, she focuses on building strong relationships by understanding clients' goals and needs to provide personalized financial guidance. Angela collaborates with clients to anticipate life transitions and prepare financially for them, utilizing a comprehensive planning approach and Fidelity's resources. Prior to joining Fidelity Investments, Angela worked as a Financial Advisor at PNC Investments from 2019 to 2022 and at JP Morgan Securities from 2018 to 2019. This experience has contributed to her expertise in financial advising. Outside of her professional work, Angela enjoys activities such as spending time at the beach, watching comedy, football, engaging in outdoor adventures, scuba diving, and caring for pets.

Thomas Blunda is a financial advisor at LPL Financial with 26 years of industry experience. His prior roles include positions at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and Credit Suisse First Boston LLC. He holds the Series 63 and Series 66 designations. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies.

Donald Mckay is a financial advisor with UBS Financial Services in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has been with UBS Financial Services since 2008. Outside of his advisory role, he has served as a guardian responsible for managing the financial and health needs of a family member. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored using proprietary research and model-based asset allocations.