Kevin Coutinho is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and PricewaterhouseCoopers. Outside of advisory roles, he is also employed as a personal banker at Provident Bank. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with various program options and custodial relationships.

James Famula is a financial advisor with LPL Enterprise, holding Series 65 and Series 66 licenses and 25 years of industry experience. He previously worked at Ameriprise Financial Services and Royal Alliance and has operated his own golf academy since 2011. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to a range of investment and insurance products through its integrated advisory and brokerage platform.

Carmine De San is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked at Axa Advisors. Outside of his advisory role, he serves as a Rangemaster for Cub Scouts BB Guns and Archery with the Boy Scouts of America Patriots Path Council, volunteering approximately three hours per month. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a range of third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage/insurance services tailored to clients’ goals and risk tolerance.

Zain Merchant is a Financial Consultant currently working at Fidelity Investments since 2023. Prior to this role, he held positions as a Workplace Planning Consultant and Investment Solutions Representative within Fidelity Investments. His experience also includes roles as AVP Premier Banker at Wells Fargo, Financial Solutions Advisor at Merrill Lynch, and AVP Branch Manager at PNC Bank. Zain holds a California Insurance License. His professional focus involves collaborating with clients to develop personalized, holistic financial plans that address both current and future goals. He emphasizes building long-term relationships to help clients achieve peace of mind.

Peter Carollo Jr. is a CFP® with 40 years of industry experience. He is currently with OSAIC and previously worked for Lincoln Financial Securities Corporation for 17 years. In addition to his advisory role, he is an insurance agent offering accident, health, disability, long-term care, life insurance, and annuities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations. The firm provides brokerage and advisory services with access to multiple platforms, employing various asset allocation tools and third-party solutions to construct and manage portfolios.

Gary Wayne is a CFP® professional with 30 years of experience in the financial industry. He has been with Wells Fargo Advisors since 2022 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside his advisory role, he is involved with several private investment entities and holds ownership interests in multiple investment-related ventures. Wells Fargo Advisors serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition and special-needs planning, utilizing Wells Fargo’s research and tools to develop tailored recommendations for its clients.

Christopher Kete is a financial advisor at Cetera with 50 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Cetera since 2023, following prior roles at Wells Fargo Advisors and Wells Fargo Clearing. Kete is also involved in a financial services business under the name Private Client Group. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Michael Gould is a financial advisor with Ameriprise in Edison, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate firms since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

David Stuto is a financial advisor at Merrill with 28 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017, previously spending nearly a decade at Morgan Stanley Smith Barney and Morgan Stanley & Co Inc. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Grant Kozak is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his advisory career in 2024. He previously worked at Warwick Capital Group for seven years and was co-owner of LivSmooth, a laser hair removal business, from 2020 to 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting supported by research and a variety of portfolio management options.

Andrew Riviello is a CFP® with seven years of industry experience, currently affiliated with OSAIC in Somerville, NJ. He has held roles at OSAIC since 2024 and previously worked at Securities America Advisors, Inc. and MassMutual. Outside of his advisory work, he is also licensed as an insurance agent. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through an extensive network of affiliated financial advisers and multiple advisory platforms. The firm integrates brokerage and investment advisory services, offering financial planning, retirement plan consulting, unified managed accounts, and access to third-party money managers.

Kevin Shea is a CFP® and CFA® with 12 years of experience in the financial services industry. He is currently an advisor at Edelman Financial Engines, where he has worked since 2026, following prior roles at Financial Engines Advisors L.L.C. and other firms. Outside of his advisory work, Shea is involved in managing investment real estate as an owner and landlord. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering both discretionary management and non-discretionary advice, with a focus on diversified portfolios and long-term investment strategies.

Nina Zelaya is a financial advisor with Wells Fargo Advisors in Iselin, NJ, holding Series 63 and Series 66 credentials and 11 years of industry experience. Her work history includes roles at Wells Fargo Clearing and Wells Fargo Bank. Wells Fargo Advisors Financial Network is a broker‑dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services including retirement, education, and specialized planning areas, using Wells Fargo’s research and tools to develop tailored recommendations.

Kaden Pickering is a financial advisor at Mass Mutual Investors Services with two years of industry experience and holds a Series 66 designation. He has been with Mass Mutual Investors Services since 2024 and also serves as a volunteer assistant hockey coach for Millburn High School. Additionally, he is involved with Hockey Players in Business, a networking group focused on raising money for charity. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach includes collaborative, annual financial planning engagements using firm-approved software to analyze client goals.

Mohamed Kotb is a financial advisor with LPL Enterprise holding Series 63 and Series 66 licenses and three years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. Kotb is also involved in Prudential-sponsored non-variable insurance activities. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, advisory services, and access to various investment and insurance products through an integrated platform that combines adviser programs with brokerage and insurance offerings.

Russell Robinson is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at PNC Investments for 15 years. 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 offers a broad range of brokerage and advisory solutions.

Brandon Heroux is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 14 years of industry experience. He has worked at JPMorgan Chase Bank NA and JPMorgan Securities LLC since 2012. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework when recommending strategies and offers services on a non-discretionary basis.

Thomas Casey is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been active in the financial industry since 2010 and works closely with clients to address goals-based financial challenges such as retirement and estate planning, along with strategies to manage portfolio risks. Thomas employs Merrill's goals-based wealth management approach to help clients articulate and pursue their financial objectives. He holds a Bachelor's degree in Economics from Pennsylvania State University and a Master's degree from the College of Financial Planning. Thomas holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor™ (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). These credentials reflect his expertise in wealth management and financial planning. Outside of his professional role, Thomas is involved with the Hills Tennis League, Junior Achievement, and The Somerset County Business Partnership. He lives in Bedminster, New Jersey with his daughter and enjoys participating in outdoor activities with her.

Thomas Wagner is a CFP® professional with 15 years of experience in the financial services industry. He is currently with LPL Financial and previously worked at Securities America Advisors and National Planning Corporation. In addition to his advisory role, he operates Wagner & Associates, LLC, which provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits through a large national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by model portfolios and research from multiple sources.

Kannan Jayaram is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with AXA Advisors. Outside of his advisory role, Jayaram works as a ski and snowboard instructor at Vail Ski and Snowboard School in Vail, Colorado. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage services to tailor solutions based on client goals and risk tolerance.