Hector Villalona is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has been with Primerica Advisors since 2011 and has worked with Primerica Financial Services since 2003. Outside of advisory services, he is involved in sales of home-related products and services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options within a wrap-fee structure.

George Oviedo is a CFP® professional with 17 years of experience in the financial industry. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2020, and previously at TD Ameritrade from 2016 to 2020. He holds Series 63 and Series 65 licenses. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining integrated custody, brokerage, and advisory services.

Joshua Sucov is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Edward Jones since 2022. Prior to joining Edward Jones, he worked at Bank of America NA and Merrill Lynch from 2017 to 2022 and operated as an independent advisor from 2013 to 2017. He is a trustee for multiple family trusts and a qualified account. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and managed solutions supported by a nationwide network of more than 23,700 financial advisors.

Richard Ditaranto is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with LPL Financial since 2025 and previously worked at OSAIC and Northern Advisory Group, where he has been involved since 2004. Outside of advisory activities, he owns JS Custom Construction, a business that rents out billboard space. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a wide range of advisory and brokerage services with both discretionary and non-discretionary management, supported by research and model portfolios from various sources.

James Kahrar is a financial advisor with Ameriprise in Wayne, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at RBC Capital Markets Corporation and Ameriprise Financial Advisors Inc. He serves on the Board of Directors and Breakfast Committee at a local organization and works as an investment specialist managing portfolios for PCA Management Corp. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with specific asset thresholds, providing written recommendations that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and advisory oversight to deliver tailored retirement income plans, primarily for clients maintaining assets in Ameriprise-managed accounts.

Louis La Medica is a financial advisor at LPL Enterprise with 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Prudential Insurance Company of America and Nationwide Securities, LLC. He is also involved with Elite Financial Services, LLC and Medicare Planning Services, LLC, managing businesses related to fixed life insurance and Medicare planning. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform that supports both adviser programs and insurance sales.

Robert Marks is a financial advisor with Fidelity who holds Series 63 and Series 66 designations and has eight years of industry experience. His prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, TD Bank, and Foresters Financial Services. Outside of his advisory work, he is a partner in a student housing rental LLC, where he oversees operations. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a variety of investors through discretionary and non-discretionary advisory services, model portfolios, and consulting, with unique capabilities including registration as a commodity pool operator and advisory roles to multiple registered investment companies.

Scott Nelson is a financial advisor with Raymond James & Associates in Paramus, NJ, holding a Series 63 designation and bringing 45 years of industry experience. Before joining Raymond James in 2024, he spent 11 years with UBS Financial Services Inc. He is also the owner of a property management business operating in New Jersey and Florida. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm emphasizes tailored financial planning and consulting, offering a variety of portfolio management styles and municipal advisory services.

Stephen Vecchione is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He holds the CFP® designation and has been with MassMutual and its subsidiary MML Investors Services since 2016. Outside of his advisory role, he is involved as the owner of Statera Advisors, LLC, which offers various life and health insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and offering specialized services such as divorce and estate-settlement planning.

Erik Saporito is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and bringing 17 years of industry experience. His prior roles include positions at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory work, he assists his spouse with an Etsy business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm follows an IPS-driven approach grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Edward Timpone is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses structured planning tools and market simulations to develop financial plans, managing approximately $2.74 trillion in client assets.

Paul Ciavarella is a financial advisor with Cetera who holds Series 65 and Series 66 licenses and has 17 years of industry experience. His work history includes roles at Allied Wealth Partners, Minnesota Life Insurance Company, Securian Financial Services, Forest Financial Group, Guardian, and Park Ave Securities. Outside of financial services, he is an independent contractor in the service industry and serves on the advisory board of the Wayne Lions Club. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of investment programs, including discretionary and non-discretionary portfolio management and access to third-party money managers.

Zoltan Herskovic is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 28 years of experience in the wealth management industry. He has been with Merrill Lynch for 20 years and currently serves as the head of investment management for the H&H Group, where he develops equity, fixed income, and alternative investment strategies. Additionally, Zoltan acts as the syndicate coordinator for the Wayne branch, overseeing the distribution of initial public offerings (IPO) and secondary offerings to Merrill clients within the branch. Zoltan holds a Bachelor's degree from Hofstra University with a focus on business. His areas of expertise include college education planning, services for defined benefit plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He holds multiple professional designations, including the Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Born in Ukraine and raised in Brooklyn, Zoltan has lived in New Jersey for the past 15 years. Outside of his professional role, he enjoys baseball, chess, and music.

Jeffrey Wogel is a financial advisor at Charles Schwab with 34 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 1996, including a role at Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a centralized operational structure.

Steven Cohen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering IPS-driven advisory solutions grounded in modern portfolio theory. The firm includes a broad range of financial product options and serves as an ERISA fiduciary when providing investment advice.

Aneudy Payano is a financial advisor with Edward Jones in Dumont, NJ, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. Prior to joining Edward Jones in 2025, he worked at Wells Fargo Bank, N.A. for seven years and JPMorgan Chase Bank for seven years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

Ken Secemski is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the position of Senior Vice President and provides comprehensive personal financial planning services with a focus on managing assets and liabilities for individuals and businesses. Ken’s practice covers client areas including college education planning, employee benefits planning, personal retirement planning, portfolio management services, and tax minimization strategies. Ken has over 40 years of experience and holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Public Accountant (CPA), Certified Divorce Financial Analyst® (CDFA®), Certified Plan Fiduciary Advisor® (CPFA®), and Chartered Retirement Planning Counselor™ (CRPC™). He is a member of various professional organizations such as the American Institute of Certified Public Accountants, The Financial Planning Association, and The Institute for Divorce Financial Analysts. Ken also served as Chairman of the Personal Financial Planning Committee and Chairman of Committee Operations within the New Jersey State Society of CPAs. He earned a Bachelor of Science degree in accounting, graduating cum laude from Fairleigh Dickinson University, and has attended executive business management studies at the Wharton School. Ken was named to the Forbes "Best-in-State Wealth Advisors" list in 2022, 2023, and 2024. Outside of his professional work, Ken participates in community volunteer activities and has personal interests in baseball, basketball, and football.

Thomas Vitale is a financial advisor with Charles Schwab in Paramus, NJ, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. His career includes roles at Charles Schwab Bank and Charles Schwab since 2018, as well as prior positions at E*TRADE Capital Management LLC and TD Ameritrade Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

David Errick is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at TD Bank N.A. and M&T Bank. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Carl Boomhower is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the CFP® and ChFC® designations and carrying nine years of industry experience. He has worked previously with Bank of America, Merrill Lynch, and Northwestern Mutual. Outside of advisory work, he serves as a board member and finance committee member for Oasis - A Haven for Women and Children, a nonprofit organization. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and advanced analytical tools to support client goals across a large advisor network.