Jeffrey Budd is a CFP® with 36 years of industry experience, currently advising at Raymond James & Associates since 2019. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Investments, with a total of over two decades at Fidelity. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, providing wealth advisory planning, non-discretionary investment consulting, and specialized municipal and public finance services.

Griffin Durand is a financial advisor at LPL Financial with six years of industry experience. He holds the Series 66 designation and has held positions at firms including OSAIC, American Portfolios Financial Services, Equitable Advisors, and Gilman Ciocia. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing model portfolios and research from multiple sources.

John Proxenos is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Raymond James Financial since 2004 and is also a 50% owner and president of Axia Financial Advisors, a support company for the branch. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension plans, charitable organizations, and government entities, offering tailored, non-discretionary advice and specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Thomas Carl is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its related entities since 2009. Carl is based in Paramus, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm’s approach incorporates structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Todd Werling is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Trusted Wealth Financial, Financial Principles LLC, and Securities America, Inc. Outside of his advisory work, Werling volunteers as a coach for youth basketball and baseball in West Caldwell, NJ, and is involved in a mobile wood-burning pizza catering business. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, advisory, and financial planning services. The firm utilizes asset-allocation tools and multiple advisory platforms to construct diversified portfolios and supports a variety of third-party managed-account solutions.

Jeffrey Etzin is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Cetera and its affiliates since 2005 and also operates an accounting and tax preparation business under his own CPA firm. Beyond his advisory role, he is a co-owner of an accounting and tax services LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to both affiliated and third-party investment managers.

Frank Cangelosi Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 34 years of industry experience. His prior experience includes roles at Cetera, Insurance Foundation Group, and operating the Cangelosi Agency LLC. He is also associated with an insurance agency in Hawthorne, NJ. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a wide network of representatives. The firm offers various advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-supported investment strategies.

Michael Duch is a Series 66 licensed financial advisor at LPL Financial with three years of industry experience. His background includes roles at CUSO Financial Services, Allied Wealth Partners, Minnesota Life Insurance Company, and Securian Financial Services. Outside of his advisory work, he is the business owner of LD Concept, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Paula Levine is a financial advisor at Morgan Stanley with 37 years of industry experience. She holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2012. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Kam Yee is a financial advisor with Wells Fargo Clearing in New York, NY, holding a Series 63 designation and 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 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 solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Cassandra Biehl is a financial advisor at Raymond James & Associates with seven years of industry experience. She holds a Series 66 designation and has worked previously at Morgan Stanley and Wells Fargo Advisors. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.9 billion in assets with over 5,400 financial advisors. The firm serves a diverse client base, including individuals, institutions, and government entities, providing planning and investment consulting primarily on a non-discretionary basis.

Kenny Chang is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and approaches supported by its Global Investment Committee.

Linda J. Hoffman is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2000. In her role, she works closely with high net worth clients and their families to develop and maintain comprehensive financial plans. Her expertise includes wealth accumulation, cash flow generation, estate planning considerations, and tax efficient investing. She maintains ongoing dialogues with clients to address current or future life events that may impact their financial situations. Outside of her professional work, Linda has interests in biking, camping, fitness, hiking, kayaking, and traveling.

Gaetano Naccarella is a Senior Financial Advisor at Merrill Lynch Wealth Management, providing advice and guidance to clients with varying levels of investment experience. He applies institutional investment strategies to individual client portfolios through Merrill's Investment Advisory Program. Gaetano’s responsibilities include portfolio construction, presenting financial strategies to both existing and new clients, and conducting annuity and insurance analyses. With 28 years in the financial services industry, Gaetano has experience spanning institutional and retail investing. Before joining Merrill Lynch in 2012, he worked as a Floor Trader for Alliance Bernstein at the New York Stock Exchange and later as a Private Banker at Wells Fargo. He holds FINRA Series 7, 63, and 65 registrations, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Gaetano earned a Bachelor's degree from Rutgers University. Outside of his professional career, Gaetano enjoys baseball, cooking, football, golfing, ice hockey, music, table tennis, watching movies, writing, and spending time with his family.

Joshua Anderson is a financial advisor with Raymond James & Associates in Bronx, NY, holding a Series 66 designation and 24 years of industry experience. He has been with Raymond James & Associates since 2005. Outside of his advisory role, he is involved in real estate development and rental activities as an owner and proprietor. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, supporting both non-discretionary and discretionary advisory relationships.

Maximo Centeno is a financial advisor with Cetera and holds the Series 63, Series 65, and Series 66 designations. He has 21 years of industry experience and has worked at firms including Equitable Advisors and Kearny Bank. Outside of advising, he is a part-owner of CROSSREM LLC, an e-commerce platform delivering food and groceries overseas. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management services through a multi-manager platform, allowing advisors to implement model portfolios, select third-party managers, or build customized strategies.

Edmund Iannelli is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he serves in multiple appointed roles within the Ho-Ho-Kus, NJ town government, including liaison to the recreation commission and deputy commissioner roles for the police department and volunteer ambulance corps. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Thomas Bonito is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Sagepoint Financial, Inc. since 2008, as well as operating his own financial and tax preparation businesses since the mid-1990s. His additional activities include managing a profit-sharing recordkeeping firm and conducting independent insurance sales. Osaic Wealth, Inc. serves a wide range of clients including individual investors, high-net-worth individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides brokerage and advisory services, retirement plan consulting, unified managed accounts, and access to third-party money managers, employing various portfolio construction and management tools.

Malcolm Greenough is a financial advisor with Raymond James Financial, holding a Series 63 designation and over 40 years of industry experience. He has been associated with Raymond James since 2009 and is also the owner of MWG Wealth Partners. Outside of advisory roles, he serves as Chairman of the Board of Directors for Ascendia Bank. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, institutional pension plans, and charitable organizations. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored solutions supported by extensive firm research and an affiliate network that includes banking and trust services.

Geancarlo Cardenas is a financial advisor with Merrill in Hackensack, NJ, holding a Series 66 designation and over one year of industry experience. He has worked at Bank of America, N.A. for two years and has been with Merrill since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide range of clients including individuals, high-net-worth clients, and institutional investors. The firm operates within Bank of America’s broader platform, which includes various trading and lending services beyond typical investment management.