Xueping Crispo is a financial advisor at Merrill with Series 65 and Series 63 credentials and eight years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2009. Merrill, along 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Thomas Dartnell is a financial advisor at Cetera with 25 years of industry experience. He holds the PFS™ and Series 66 designations and has worked at firms including Avantax and 1ST Global Advisors. In addition to his advisory role, he is a partner at Nisivoccia LLP, a certified public accounting firm, and is involved as an owner and investor in Wealthspring Financial Partners LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary services across various program structures and custodial relationships.

Frank Carbone Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also works with JPMorgan Chase Bank, N.A. since 2010. His prior work includes roles at Woodland Trading Inc., Chegg Tutors, and Ideal Entertainment, LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating a range of strategies including ESG considerations.

Lawrence Scovell is a CFP®-designated financial advisor with 11 years of industry experience, currently affiliated with Cetera. He has been with Cetera Wealth Services, LLC since 2014 and joined Cetera in 2023. Outside of his advisory role, he serves as a ski patrol instructor and is a finance advising board member for St. Francis de Sales RC Church, where he assists with budgeting and fundraising efforts. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, employing a multi-manager platform with diverse program options across discretionary and non-discretionary authorities.

Matthew Turo is a financial advisor with Morgan Stanley in Morristown, NJ, holding a Series 66 designation and having two years of industry experience. His prior roles include positions at Delphi Wealth Management, Northwestern Mutual, and &PARTNERS. He also has experience working in educational settings and a retail business, Upmerch. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and employer-sponsored financial planning agreements.

John Fiore III is a financial advisor with Mass Mutual Investors Services and holds the Series 66 designation. He has one year of industry experience, with prior roles including positions at MassMutual Life Insurance Company and MML Investors Services, LLC. Outside of finance, he has experience working with Hercules Hauling and has a background that includes teaching roles at Trinity College and secondary schools. 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 offers financial planning, asset management, and educational programs, utilizing firm-approved tools and collaborative planning approaches.

Vanessa Bustamante is a financial advisor at Primerica Advisors with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been associated with PFS Investments Inc. and Primerica Financial Services since 2009. Outside of her advisory role, she is involved in sales of home security and automation products through affiliated companies and owns Bam Financial Services, LLC, a legal entity formed for business purposes related to Primerica. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm employs a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Michael Colledge is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1993 and specializes in wealth management, financial planning, and portfolio advisory services. His client focus areas include corporate executive services, divorce transition planning, education planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, and individual and corporate investment strategy. Michael holds a Bachelor's Degree in Economics from Dickinson College and has certification in Financial Management from the Donald T. Regan School of Advanced Financial Management. He has also completed specialized executive training programs at the University of Pennsylvania's Wharton School of Business. Michael has been recognized on the Forbes "Best In-State Wealth Advisors" list multiple times, including consecutively from 2019 through 2026. He holds the professional designation of Personal Investment Advisor (PIA) and has been involved with the Villanova University School of Business Finance Department as a member of its Past Advisory Council. Outside of his professional career, Michael is involved with the Lumen Institute. He resides in Denville, New Jersey, with his wife, Alicia, and their two daughters, Victoria and Madeleine. His personal interests include adventure sports, football, golfing, music, singing, spending time with family, and traveling.

Cameron Evans is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and with 15 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Cantor Fitzgerald & Co., DB USA Core Corporation, and Deutsche Bank Securities Inc. He has been with Morgan Stanley since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Robert Rooke Jr. is a financial advisor at Raymond James Financial with 46 years of industry experience. He holds a Series 63 designation and has been associated with Raymond James Financial Services Advisors Inc. since 2013. Outside of his advisory role, he serves as the executor settling his father's estate and is the owner of a support company, Broad Arrow Limited LLC. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm uses risk profiling and analytical tools to provide tailored, non-discretionary planning and consulting and supports various advisory programs as well as municipal and public finance work.

Anthony Perruso Jr. is a financial advisor with Wells Fargo Clearing in Mountain Lakes, NJ, holding a Series 63 designation and 33 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has maintained a self-employed advisory practice since 1989. Outside of his advisory work, he is an active musician who performs at various venues. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Gregory Gioe is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial strategies that reflect their unique goals and aspirations. He has been with Fidelity since 2022, progressing through roles including Central Relationship Manager and Investment Consultant before becoming a Financial Consultant in 2026. Prior to joining Fidelity, Gregory worked as a Financial Advisor at Eagle Strategies LLC and as a Financial Services Professional at Equitable Advisors. Throughout his career, Gregory has focused on helping clients navigate the complexities of financial planning by providing tailored guidance and support. Outside of his professional work, he has interests in bowling, fitness, military service, outdoor adventures, and running.

Benjamin Burklow is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and 19 years of industry experience. Prior to joining Raymond James in 2026, he worked for Ameriprise Financial Services, LLC for 20 years. He is president of Burklow & Burklow LLC, a financial planning business focused on operations, staffing, and training. Burklow also serves on the board of directors for the Shiloh Board. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and uses analytical tools to support client goals, with notable offerings in municipal advisory and SIMPLE IRA employer consulting services.

Mike Reiss is a financial advisor at J.P. Morgan Securities with 34 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Morgan Stanley Wealth Management, Merrill, and Citigroup Global Markets. Since 2023, he has been employed by both JPMorgan Securities and JPMorgan Bank, allowing him to offer a range of banking products alongside investment services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm emphasizes a centralized due diligence approach supported by quantitative and qualitative research and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Emilio Monaco is a financial advisor at Fidelity with 22 years of industry experience. He holds a Series 66 designation and has been with Fidelity Investments since 2003, including roles at Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors, charitable funds, and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it holds several distinctive regulatory registrations and advisory roles uncommon among large institutional peers.

Jack Van Kleeff is a financial advisor with LPL Financial, holding a Series 66 designation and entering the industry with less than one year of experience. His prior work includes a brief tenure at Northwestern Mutual and roles outside finance, including working at Rails Steakhouse and full-time studies at Montclair State University and Community College of Morris. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for research and operations.

Joseph Oakes IV is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at John Hancock Life Insurance Company and Signator Investors, Inc. He serves on the Board of Trustees at Seton Hall Prep School. OSAIC Wealth serves a wide range of retail and institutional clients through a multi-advisor platform, offering comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supported by various tools and third-party manager options.

Michael Gollenberg is a financial advisor at Thrivent Investment Management with 17 years of industry experience. He has been with Thrivent Investment Management since 2009 and Thrivent Financial for Lutherans since 2010. He holds Series 63 and Series 66 designations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning that covers a broad range of topics and allows clients to integrate planning with managed-account programs while maintaining separate service structures.

Victor Delorenzo is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. He has previously worked at Ic Advisory Services, Inc. and The Investment Center, Inc., and has been associated with Planned Strategies, Inc. for over four decades. Delorenzo is also involved in insurance-related business activities through Victor T. DeLorenzo Insurance LLC and Planned Strategies, Inc. 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 wide range of advisory and brokerage services utilizing model portfolios, third-party subadvisors, and customized strategies, supported by various operational and research tools.

Frank Pavese is a Certified Financial Planner (CFP®) with 28 years of industry experience. He is currently with Wells Fargo Clearing Services LLC, where he has worked since 2019, following a four-year tenure at UBS Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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.