Francis Consolmagno is a financial advisor at Cambridge Investment Research Advisors with 15 years of industry experience. He has held roles at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2023, and previously worked at Hudson Wealth Management and Cetera Advisors LLC for a decade. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm utilizes a range of portfolio management strategies and platforms, combining proprietary and third-party models, and maintains institutional features such as advisor transition support and compliance processes.

Brian Greenberg is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 designations. He has 23 years of industry experience, including prior roles at Cetera Advisors LLC. Outside of his advisory work, he is involved in tax preparation and accounting services through ownership and consulting in related businesses. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals using a variety of discretionary and non-discretionary strategies across multiple platform arrangements.

Joseph Zito is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His career includes roles at Cetera and Foresters Financial Services prior to joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Krina Kapadia is a financial advisor at Merrill with Series 63 and Series 66 designations and one year of industry experience. Her prior roles include positions at Bank of America, NYLIFE Securities LLC, New York Life Insurance Company, and HDFC Life Insurance Company LTD. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Reginald Nau is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also works with JPMorgan Chase Bank, N.A. outside the advisory role. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Joseph Burgard is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and seven years of industry experience. His prior roles include positions at Wells Fargo Advisors, Santander Bank and Securities, and Hornor Townsend & Kent Inc. Burgard also serves as a notary in Colts Neck, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Albert Rich is a financial advisor at Cetera with 25 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at several firms including Kearny Bank, INVEST Financial Corp., and Investors Bank. He is based in Long Branch, NJ. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to various third-party money managers through a multi-manager platform with discretionary and non-discretionary program options.

Ariel Sinchi Jr. is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase and J.P. Morgan Securities since 2014. Outside of his advisory role, he is occasionally involved with Sabor Andino 2 Inc., where he serves as a signer on the business account when needed. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan financial organization and offers a range of investment strategies approved through internal review processes.

Prajna Khisty is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 24 years of industry experience. Prior to Equitable Advisors, she was affiliated with Axa Advisors, LLC for 18 years. Outside of her advisory work, she is a certified instructor for the Art of Living Happiness Program. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Justine Viohl is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds the Series 66 and Series 63 designations and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process using firm-approved tools and market outcome models.

Thomas Meade is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with LPL Financial (formerly LINSCO/PRIVATE LEDGER) since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting with access to model portfolios and research from LPL Research and third-party subadvisors.

Glenn Ziegler is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, Ziegler serves as a FINRA arbitration panel member and acts as trustee and executor for his father's trust and estate. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Joseph Bouffard is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and five years of industry experience. Prior to joining Equitable Advisors in 2021, he held positions at Trading Places International and Drew University, among others. Outside of his advisory role, he is involved with Dergalis Associates LLC in a capacity unrelated to routine investment activities. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing a range of third-party advisory models and proprietary resources to deliver its services.

Katherine Mcguire is a financial advisor with Cetera who holds Series 66 and Series 63 licenses and has 26 years of industry experience. She has been with Cetera and its affiliated entities since 2019. Prior to that, she worked at Foresters Financial Services and Sundance Outdoors. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios and customized strategies.

Robert Bunsa Jr. is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his advisory role, he serves on the finance committee of St. Matthew Episcopal Church, overseeing budget and expenses. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of third-party advisory programs and emphasizes matching clients to models or discretionary managers based on personal and plan information.

Daniela Vizcaino is a Series 66-licensed financial advisor with Merrill, based in Red Bank, NJ, and has three years of industry experience. She has been with Merrill and Bank of America since 2020 and previously worked at various casino and hospitality management firms. 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 strategies for individuals, high-net-worth clients, and institutions.

Todd Rosenblatt is a financial advisor with LPL Financial in Holmdel, NJ, holding the CFP® designation along with Series 63 and 65 licenses. He has 19 years of industry experience, including nine years at Private Portfolio Partners, LLC, and ten years with LPL Financial. Rosenblatt also engages in non-variable insurance activities through several related firms. 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 financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by LPL Research, third-party subadvisors, and various portfolio management tools.

Keith Ryan is a financial advisor at Stifel with 23 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. He holds Series 63 and Series 66 securities licenses. Stifel serves a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses that support client decision-making.

Stephen Johnson Sr. is a CFP® with 26 years of experience in the financial industry. He has worked with Cetera since 2007, including roles at Cetera Investment Services LLC and Columbia Bank. Outside of his advisory work, he serves as a fixed income investment consultant on a voluntary basis for the Center for Vocational Rehabilitation. Cetera Investment Advisers LLC is a large SEC-registered advisor serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to multiple investment strategies and third-party managers.

Roxanne Grise is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, N.A. Grise serves as a trustee and co-trustee in a trust outside of her advisory duties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured tools and sophisticated modeling techniques.