William Courtwright is a financial advisor with Ameriprise, holding a Series 63 credential and 30 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he consults for CMA 92, LLC, providing client service in the Central and Southern regions of New Jersey. Ameriprise is a large institutional firm offering a range of advisory, brokerage, and insurance solutions. It provides a retirement-income planning service aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to deliver customized written recommendation reports.

Samuel Peguero is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2016. In his current role, he focuses on providing a holistic financial planning experience tailored to clients' individual financial goals. He works collaboratively as part of Fidelity's wealth management team to guide clients through various life stages and financial complexities, utilizing Fidelity's resources to create customized financial plans. Prior to his current position, Samuel held roles as Branch Leader and Vice President Financial Consultant at Fidelity Investments. Before joining Fidelity, he gained experience as a Wealth Management Advisor at TIAA and as an Investment Consultant at TD Ameritrade. His career reflects a consistent focus on financial consulting and investment advisory services. Outside of his professional endeavors, Samuel has personal interests that include baseball, beach activities, concerts, fitness, music, and traveling.

Thomas Allen is a financial advisor with Charles Schwab, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2015 and 2016, respectively. Outside of his advisory role, Allen is a member of two real estate LLCs where he participates as a silent partner and owner. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts and financial planning services. The firm combines non-discretionary client relationships with access to affiliated discretionary separately managed accounts and offers a centralized, integrated approach to advisory, brokerage, custody, and cash management services.

Paul Gordon is a financial advisor with Ameriprise in Saddle Brook, NJ, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has been with Ameriprise and its affiliated entities since 2016. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Joseph Marotta is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Wayne, NJ branch. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Joseph utilizes a disciplined process to understand clients' needs before making recommendations, focusing on wealth management strategies to assist individuals and families in achieving their financial goals. Joseph began his finance career in 1997 in the Capital Markets division at Thomson Reuters and transitioned in 2006 to working directly with clients at Wells Fargo Advisors before joining Merrill Lynch. His expertise spans a range of areas including college education planning, family wealth management strategies, legacy planning, retirement income, special needs planning strategies, and portfolio management services. Prior to his finance career, Joseph served as an officer in the U.S. Marine Corps. He earned his Bachelor's degree from Villanova University. Joseph resides in Montville, NJ with his wife and three children. Outside of work, he enjoys baseball, chess, football, hiking, music, traveling, and woodworking. He actively volunteers with organizations such as the Aiding Marines Family Foundation and the Christopher Whitehouse Foundation and is a member of the Semper Fidelis Society, reflecting his commitment to community involvement and supporting veterans.

Michael Maglio is a financial advisor with LPL Financial in Totowa, NJ, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has been with LPL Financial since 2001. Outside of his advisory work, he occasionally performs mystery shopping evaluations for local businesses and is involved in a non-securities related family business called TopHealth.Life. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor tools and oversight of over $819 billion in discretionary assets.

Ethan Courtwright is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked for 15 years at Paige Packaging. Outside of his advisory role, he manages a separate advisory business through CMA92 LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized retirement income service that provides written recommendation reports and ongoing planning advice focused on income sources and tax-aware withdrawal strategies.

Brian Pomarlen is a financial advisor with Ameriprise in Wayne, NJ, holding a Series 66 designation and 30 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2012. Outside of his advisory role, he is involved in business ownership with Bramwellworth Associates LLC and Doden Associates LLC. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations, with an emphasis on assets held in Ameriprise Managed Accounts.

Giuliano Gashaj is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with J.P. Morgan since 2016 and has additional work history with JPMorgan Chase Bank, N.A. He is also involved as an owner and partner in several small rental property ventures in the Bronx. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm’s services are offered on a non-discretionary basis, with final decision-making authority retained by clients.

Stanley Malecki is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 32 years of industry experience. He has worked at Cetera and its affiliated entities since 2013 and is currently co-owner of Crosscoast Legacy Partners, a recruiting platform where he leads recruitment efforts and business development. He is also president of Malecki Financial Group. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through multiple program structures and manager selections.

Sean Foye is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and bringing 25 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2015. Outside of his advisory work, he serves as an assistant varsity coach at Don Bosco Preparatory School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market modeling techniques.

Rachel Trimble is Vice President and Wealth Planner at Fidelity Investments, a role she has held since 2022. She provides one-on-one financial planning tailored to clients experiencing various life events, including retirement, investment strategy, education, and charitable planning. Rachel collaborates with clients to develop comprehensive, long-term plans that address their financial goals. With over 17 years of experience in the financial services industry, Rachel has held several positions at Fidelity, including Financial Consultant from 2015 to 2022 and Investment Consultant from 2014 to 2015. Prior to joining Fidelity, she worked as an Investment Client Associate at US Bancorp, a Private Wealth Client Associate at UBS, and as a Financial Advisor at both JP Morgan Chase and Merrill Lynch. Outside of her professional work, Rachel enjoys activities such as biking, hiking, scuba diving, attending social events with friends, visiting museums, and exploring culinary experiences.

Michael Savin is a financial advisor with LPL Enterprise, holding the ChFC® designation and Series 63 and 66 licenses, with 29 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and MSI Financial Services, Inc. Outside of advising, he is an independent insurance agent operating Savin Insurance Solutions, focusing on group and individual health and life insurance products. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, employer-sponsored retirement plans, and various institutions. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and non-securities services such as insurance and trust custody.

Michael Esposito is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Securities America Advisors, Ameritas, Hornor Townsend & Kent Inc, and Penn Mutual Life Insurance Company. Outside of his advisory work, he serves as assistant treasurer for American Legion Post #450. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and program structures.

Kyle Diaz is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Kyle earned his bachelor's degree from Purdue University System. Details regarding his specific areas of expertise, experience, personal interests, or community involvement were not provided.

Jason Lilli is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 48 years of industry experience. His prior roles include positions at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. Outside of his advisory work, he operates Lilli Financial Services, which manages non-variable insurance and related investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, leveraging both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Lori Macaluso is a Series 66-licensed financial advisor with 23 years of industry experience. She has worked at Merrill from 1997 to 2024 and joined UBS Financial Services in 2024. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Maxim Shubin is a Series 66-licensed financial advisor at UBS Financial Services with nine years of industry experience. He has worked at UBS since 2018 and previously spent one year with AXA Advisors, LLC. Outside of his advisory roles, he is involved with Comfort Measures Inc., where he has been active since 2009. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and delivers advisory work supported by proprietary research and model-based asset allocations.

Selena Cefaloni is a financial advisor with Charles Schwab in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Her prior work includes roles at Fidelity Brokerage Services LLC and TD Ameritrade, as well as multiple positions within Charles Schwab and Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by a centralized operational structure and integrated investment resources.

Gina Diaz is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. She has previously worked at JPMorgan Chase Bank and its affiliated entities for over a decade before joining LPL Financial and Webster Investments in 2023. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of services including financial planning, model portfolio programs, and access to third-party asset managers, supported by technology tools for operational and research purposes.