Jose Suarez is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2011. 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 brokerage, distribution, and investment management capabilities.

Nicholas Petriello is a CFA® charterholder with 28 years of industry experience. He is currently with OSAIC, having joined in 2025 following a 24-year tenure at Lincoln Financial Advisors Corp. He is co-owner of two insurance-related LLCs, Wealth By Design LLC and Access Benefit Consulting LLC, which offer a variety of insurance products including group medical and accident coverage. OSAIC serves a diverse client base ranging from individual investors to institutional entities, providing integrated brokerage, advisory services, and retirement plan consulting through a large network of affiliated advisers. The firm employs advanced asset-allocation tools and offers portfolios incorporating a broad range of investment options, alongside access to multiple third-party money managers and managed-account solutions.

Deon Smith is a Series 66–licensed financial advisor with 20 years of industry experience, currently practicing at Merrill since 2013. Based in White Plains, NY, he has spent over a decade with Merrill. 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, using model-based and discretionary strategies developed by internal and third-party managers.

Reed Karsen is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held various roles including positions at Montclair State University and UPS. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios and manage fund advisory services.

Richard Cutler is a CFP®-certified financial advisor with 40 years of industry experience. He currently works with LPL Financial and has previously been affiliated with Linsco/Private Ledger Corp., Cutler Financial Services, LLC, and Nathan & Lewis Securities, Inc. In addition to his advisory work, Cutler is an independent insurance agent specializing in property and casualty, business, health, and disability insurance products. 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 advisory and brokerage services through a large network of representatives, utilizing various investment models, third-party asset managers, and customized strategies.

Paul Marrero is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Advisors since 2016. Marrero is also the owner of Palisades Wealth Management, an investment-related business based in West Nyack, NY. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and tools to develop customized recommendations.

Gilbert Johnson is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has been with Merrill since 2017, previously working two years at Sprint. Outside of advising, he is a co-owner of Happy Photography LLC, which he manages administratively alongside his wife. 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 a range of model-based and discretionary investment strategies.

Roger Camp is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Roger's expertise lies in creating personalized financial plans that address his clients' unique ambitions, including education funding, retirement planning, and managing potential health care costs. He emphasizes connecting all aspects of a client's financial life to prioritize and pursue their most important goals, aiming to provide simplicity and transparency throughout the wealth planning process. Roger earned an Associate's Degree from New Mexico Military Institute, followed by both a Bachelor's and a Master's Degree from the University of Texas at Austin.

Jack Habif is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. He also serves as a power of attorney for Sheron Habif in a non-investment capacity. 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 IPS-driven advisory process incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Terence Brady is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with LPL Financial since 2004. In addition to his advisory role, he has taught at the American School of Business for over ten years and serves as a certified substitute teacher and softball coach for the North Bergen Board of Education. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

James Choe is a financial advisor with Merrill in Paramus, NJ, holding Series 63, Series 65, and Series 66 credentials and bringing 25 years of industry experience. He has worked at Bank of America N.A. and Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions. The firm utilizes internal Chief Investment Office teams and third-party managers to implement tailored portfolio solutions.

Rosa Mazzone is a financial advisor at RBC Capital Markets with 31 years of industry experience. She holds the CFP® and Series 63 designations. Her work history includes roles at City National Bank and UBS Financial Services. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through in-house and third-party managers, supported by RBC’s extensive capital-markets capabilities.

Joseph Rosario Sr. is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 29 years of industry experience. He has been with Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anita Srivastava is a CFP® with 12 years of industry experience, currently with Morgan Stanley in Paramus, NJ. She has held roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Outside of her advisory duties, she serves as a board member of the College Club of Northern New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning supported by proprietary tools and serves clients through both direct individual relationships and corporate financial planning agreements.

Thomas Teschic Jr. is a financial advisor at Ameriprise with 20 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, offering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to tailor retirement income plans, primarily for clients with significant assets under management at Ameriprise.

Robert Egan is a CFP® professional with 19 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has held roles at multiple firms, including Northstar Wealth Planning and Cetera Advisors LLC. Egan is a founder of EP Wealth Management, LLC, and Northstar Wealth Planning, and he is also a co-founder of Alpha Goose, LLC. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services. The firm provides tailored investment solutions through various platform arrangements and maintains both proprietary and third-party model strategies.

Mark Fleksher is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at several firms, including a long tenure at Securities America Advisors, Inc., and operates Prestige Wealth Group, LLC. 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 broad range of advisory and brokerage services through a large network of advisors, utilizing various portfolio strategies and technology tools while overseeing substantial discretionary assets.

Ashley Cassera is a financial advisor at Fidelity with 19 years of industry experience. She holds the Series 66 designation and has been with various Fidelity entities since 2007, including Fidelity Personal and Workplace Advisors and Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios using systematic methodologies.

John Murphy is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at American Portfolios Advisors, Inc., American Portfolios Financial Services, Inc., and HSBC Bank USA, N.A. Murphy is also engaged in insurance-related activities, including fixed annuities and insurance sales. OSAIC serves a diverse client base ranging from individual and high-net-worth investors to pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services using a variety of investment strategies and platforms, including access to third-party money managers and model portfolios.

Joshua Bakhash is a financial advisor with LPL Financial in Woodcliff Lake, NJ. He holds a Series 66 designation and has 18 years of industry experience, including more than 19 years with LPL Financial. He also holds a real estate license in New Jersey, though he is not actively engaged in real estate activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and advisory services, including model portfolios and third-party asset management, supported by technology-driven research and operational tools.