Tim Boyle is a financial advisor with Cetera, holding a Series 63 designation and having 11 years of industry experience. He has worked at Cetera Investment Advisors LLC and Cetera Investment Services LLC since 2019 and previously worked at Foresters Financial Services from 2016 to 2019. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a large network of independent advisors and provides access to both affiliated and third-party investment strategies.

Autumn Weems is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 63 and Series 66 credentials and has worked at firms including JPMorgan Chase and Northwestern Mutual Wealth Management. Outside of her advisory role, she works as an independent contractor delivering food and groceries for DoorDash. Merrill provides managed account services through its Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers.

Michael Kostecki is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its affiliates since 2009. Outside of his advisory role, he owns and operates a dog shampoo business called Kos Supply Group LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through various platforms, including specialized groups for estate planning.

Nicholas Poulis is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliated entities since 2004. Outside of his advisory role, he serves as Chief Financial Officer and a member of the Finance Committee for the Chian Federation, a Greek cultural, educational, and charitable organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses firm-approved tools and modeling techniques without providing individual security recommendations in standalone plans.

Jasmeet Kaur is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since 2016 and 2017, respectively. Outside of her advisory role, she is involved with Literacy Volunteers of America and New Community Corp. Primerica Advisors primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm sponsors a wrap-fee asset management program that uses model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Jeffrey Budd is a CFP® with 36 years of industry experience, currently serving as a financial advisor at LPL Financial. His prior roles include positions at Raymond James & Associates, Fidelity Personal and Workplace Advisors, Strategic Advisers Inc., Fidelity Investments, and Morgan Stanley Dw Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides access to financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advanced research and operational tools.

Brendan Keohane is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 32 years of industry experience. He previously worked at Metlife Securities Inc. for 25 years before joining Mass Mutual Life Insurance Company in 2016 and its subsidiary, Mass Mutual Investors Services, in 2017. Outside of his advisory role, he is involved in outside insurance sales, focusing on individual and group life, health, disability, long-term care, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management programs, and educational seminars using firm-approved analytical tools, structuring planning engagements as annual collaborative relationships with clients.

Griffin Durand is a financial advisor with LPL Financial based in Fairfield, NJ, holding a Series 66 designation and seven years of industry experience. He has worked at several firms including Equitable Advisors, American Portfolios Financial Services, and Gilman Ciocia / National Securities Corp. 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, leveraging model portfolios, third-party subadvisors, and customized strategies across various investment approaches.

Leonardo Urena Guzman is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Chartered Retirement Planning Counselor (CRPC), which reflects his knowledge in retirement planning. Leonardo earned his Bachelor's Degree from Middlebury College. Further details about his experience, expertise areas, and personal interests are not provided.

John Proxenos is a financial advisor with Raymond James Financial in Rochelle Park, NJ, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Raymond James Financial since 2004 and is also president and 50% owner of Axia Financial Advisors, LLC, a support company for the branch. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work, as well as specialized advisory programs.

Thomas Carl is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its related entities since 2009. Carl is based in Paramus, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm’s approach incorporates structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Todd Werling is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked at Trusted Wealth Financial, Financial Principles, LLC, and Securities America, Inc. prior to joining OSAIC. Outside of his advisory work, he volunteers as a youth basketball and baseball coach and is involved in a mobile wood-burning pizza catering business. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through multiple platforms. The firm emphasizes model-based asset allocation and portfolio optimization and supports a wide range of investment strategies delivered via affiliated broker-dealer and RIA relationships.

Jeffrey Etzin is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Cetera and its affiliates since 2005 and also operates an accounting and tax preparation business under his own CPA firm. Beyond his advisory role, he is a co-owner of an accounting and tax services LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to both affiliated and third-party investment managers.

Frank Cangelosi Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 34 years of industry experience. His prior experience includes roles at Cetera, Insurance Foundation Group, and operating his own agency, Cangelosi Agency LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions including third-party asset management and institutional platforms.

Michael Duch is a financial advisor at LPL Financial with four years of industry experience. He holds a Series 66 designation and has previously worked at CUSO Financial Services, Allied Wealth Partners, Minnesota Life Insurance Company, and Securian Financial Services. Outside of advisory work, he is a business owner of LD Concept, 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 range of services including financial planning, third-party asset management, and institutional platforms, with advice delivered through a network of investment adviser representatives using various investment strategies and technology tools.

Paula Levine is a financial advisor at Morgan Stanley with 38 years of industry experience. She has held her current role since 2012 and previously worked at SMH Capital Advisors LLC. Paula holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and advanced planning tools.

Cassandra Biehl is a financial advisor with Raymond James & Associates in Paramus, NJ, holding a Series 66 designation and seven years of industry experience. She previously worked at Morgan Stanley for six years before joining Raymond James, where she has been since 2022. Raymond James & Associates 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, institutions, and nonprofit organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Kenny Chang is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and approaches supported by its Global Investment Committee.

Linda J. Hoffman is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2000. In her role, she works closely with high net worth clients and their families to develop and maintain comprehensive financial plans. Her expertise includes wealth accumulation, cash flow generation, estate planning considerations, and tax efficient investing. She maintains ongoing dialogues with clients to address current or future life events that may impact their financial situations. Outside of her professional work, Linda has interests in biking, camping, fitness, hiking, kayaking, and traveling.

Gaetano Naccarella is a Senior Financial Advisor at Merrill Lynch Wealth Management, providing advice and guidance to clients with varying levels of investment experience. He applies institutional investment strategies to individual client portfolios through Merrill's Investment Advisory Program. Gaetano’s responsibilities include portfolio construction, presenting financial strategies to both existing and new clients, and conducting annuity and insurance analyses. With 28 years in the financial services industry, Gaetano has experience spanning institutional and retail investing. Before joining Merrill Lynch in 2012, he worked as a Floor Trader for Alliance Bernstein at the New York Stock Exchange and later as a Private Banker at Wells Fargo. He holds FINRA Series 7, 63, and 65 registrations, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Gaetano earned a Bachelor's degree from Rutgers University. Outside of his professional career, Gaetano enjoys baseball, cooking, football, golfing, ice hockey, music, table tennis, watching movies, writing, and spending time with his family.