Ellen Bialek is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and having 41 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked 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 both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations across a broad range of financial products, performance reporting, and participant education.

Victor Maccagnan is a financial advisor with Mass Mutual Investors Services, holding CFP® and ChFC® designations and over 24 years of industry experience. His career includes roles at firms such as Equitable Advisors, AXA Advisors, and Summit Advisor Services. In addition to his advisory work, he is active as an insurance broker, specializing in life, disability, property and casualty, long-term care, fixed annuities, and health insurance. MassMutual Investors Services provides financial planning and investment advisory services to individuals, business owners, trusts, estates, charities, and employers, offering asset management, wrap programs, and educational seminars. The firm emphasizes collaborative, annual planning engagements using firm-approved software to analyze client goals and deliver written recommendations.

Jack Hallak is a financial advisor at LPL Enterprise with 19 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, Morgan Stanley, Bank of America, and Merrill. He holds Series 63 and Series 66 designations. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is primarily model-driven, offering access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Rachel Bernard is a financial advisor at OSAIC with 30 years of industry experience. She holds Series 63 and Series 65 licenses and was previously with Lincoln Financial Advisors for nearly three decades. Bernard is involved in nonprofit work as a committee member of The Lift Collaborative, a church mission organization. OSAIC serves a wide range of clients including individuals, institutions, and charitable organizations through multiple advisory platforms. The firm provides integrated brokerage and investment advisory services with a focus on asset allocation, risk management, and access to third-party money managers and alternative investments.

Raymond Buhrmeister is a Series 66 licensed advisor at LPL Enterprise with one year of industry experience. Prior to joining LPL Enterprise, he was involved with Clark's Botanicals L.L.C. for four years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, employer-sponsored retirement plans, banks, and charitable entities. The firm primarily implements investment strategies through model portfolios developed by internal and third-party research, while also offering financial planning, access to third-party asset managers, and affiliated trust and insurance services.

Russell Grimm is a financial advisor with Edward Jones in Wyckoff, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Edward Jones since 2006. Grimm serves on the board of trustees for SCARC Guardianship Services and acts as treasurer for CARC Guardianship Services, both organizations providing guardianship support for individuals with developmental disabilities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of financial advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Evangelia Anderegg is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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 and integrates advisory offerings with other financial products and referral channels.

Paul Stramberg is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Cetera since 2007 and operates Paul Stramburg CPA LLC, a tax preparation business established in 1981. Additionally, he sells health insurance and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm that supports over 10,000 advisors and serves a diverse client base including individuals, retirement plans, corporations, charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through various program structures and manager options.

Elizabeth Deane is a Series 66-credentialed financial advisor with UBS Financial Services in Paramus, NJ. She has 27 years of industry experience, including 20 years with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services such as fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations through a large network of advisors and offers institutional trading capabilities alongside wealth management services.

Jorge Ciprian is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Ameriprise since 2018. He has prior experience at Fidelity Investments where he worked for eight years. Outside of his advisor role, he is involved with CMA 92, LLC, managing advisory services and client support. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement income planning and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

Karl Kreshpane Jr. is a Certified Financial Planner™ (CFP®) with 10 years of industry experience. He has worked at UBS Financial Services since 2020 and previously at Morgan Stanley Smith Barney LLC from 2015 to 2019. He is based in Paramus, NJ and holds a Series 66 license. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets functions.

Tiffany Ramos is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several notable firms, including Bank of America, Merrill, NYLIFE Securities, and HSBC Bank USA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets.

Frank Daguanno is a financial advisor at OSAIC with 33 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors, Everbank, and his own LLC. Outside of his advisory role, he serves as an executor for estates and operates a tax preparation business. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, corporations, and nonprofit organizations, offering integrated brokerage and advisory services. The firm employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Michael Vecchione is a financial advisor with Ameriprise in Westwood, NJ, holding a Series 66 designation and 25 years of industry experience. He has worked with Ameriprise and its predecessor, American Express Financial Advisors, since 2001. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Daniel Murray is a CFP®-certified financial advisor with Edward Jones, based in Pompton Lakes, NJ. He has 16 years of industry experience, including 13 years with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Crista Mckenna is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 16 years of industry experience. She has worked with LPL Financial since 2018 and previously with SII Investments and Sii Investments, Inc. Crista is also involved with ICG Next LLC, an investment-related business affiliated with her LPL work. 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 wide range of financial planning and investment management services, including third-party asset management and institutional platforms, and supports its advisors with machine-learning tools and various financial products.

Samuel Britton is a Senior Financial Advisor with nearly thirty years of experience in the financial services industry. Beginning his career in 1995 at a small independent company, Samuel expanded his expertise by transitioning to a full-service brokerage firm to provide a wider range of investment options and services. He currently works with a team to support clients in estate planning, insurance, and wealth management through Merrill Lynch Wealth Management. Samuel's areas of specialization include college education planning, family wealth management strategies, defined benefit plan services, personal retirement planning, portfolio management, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma from Nutley High. Beyond his professional work, Samuel is involved in community volunteering and enjoys adventure sports, dancing, and skydiving in his personal time.

Neil Condon is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 2015. 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 offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Tracey is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2014 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

John Mc Namara is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has been with Merrill since 2009, following prior roles at Banc of America Investment Services, Inc. and Quick & Reilly, Inc. 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 investment strategies developed by internal and third-party managers.