Patrick Reardon is a CFP®-designated financial advisor with 38 years of industry experience. He is currently with LPL Enterprise and has held roles at Prudential Insurance Company of America, Pruco Securities, LLC, and several wealth management and advisory firms. Outside of his advisory work, he serves as a part-time substitute custodian for the Andover Regional Board of Education and officiates high school track and field meets with the New Jersey State Interscholastic Athletic Association. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Terence Belfor is a financial advisor with Raymond James & Associates, holding a Series 66 credential and bringing 10 years of industry experience. He has previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Outside of finance, Belfor is an officer and secretary of Advanced Facialdontics LLC, a business involved in intellectual property transactions with a public company. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser that serves a broad client base, including high-net-worth individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, supported by a diverse range of portfolio management styles and affiliated research.

Peter Baldini is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 licenses and 35 years of industry experience. His prior roles include positions at Prb Wealth Management, Private Advisor Group, LLC, and Guardian Life. Outside of advisory work, he is involved with Give to Give, a nonprofit organization. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a broad network of investment adviser representatives.

Anthony Gallo is a financial advisor with Ameriprise in Saddle Brook, NJ, holding a Series 66 credential and having one year of industry experience. His prior roles include positions at LPL Enterprise LLC and working at Lefkes Estiatorio. He has experience outside the financial industry, including employment in the restaurant sector. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendation reports and ongoing advice. The firm utilizes proprietary investment research and third-party data, with investment options influenced by affiliated product relationships.

Stephen Bollander II is a financial advisor at Ameriprise with four years of industry experience. He holds a Series 66 designation and has previously worked at Lyft and DeVry. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Karen Mahida is a financial advisor with Primerica Advisors in Wayne, NJ, holding Series 63 and Series 65 licenses and 39 years of industry experience. She has been with Primerica Advisors since 1986 and Primerica Financial Services since 2000. Her other business activities include sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Tony Law is a financial advisor at LPL Enterprise with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Pruco Securities, LLC and Prudential Insurance Company of America. Outside of his advisory role, he serves on the boards of Compass Fellowship Church and the Nom Hoy & Sun Tuck Association Inc, contributing to nonprofit governance and community activities. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach utilizing portfolios developed by internal research and third-party strategists, alongside access to financial planning, third-party asset managers, and insurance products through affiliated entities.

Brian Buckley is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 40 years of industry experience, having previously worked at Metropolitan Life Insurance Company and related entities for over three decades before joining Mass Mutual in 2016. In addition to his advisory role, he is an independent insurance agent specializing in health, group health, property and casualty, life insurance, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring client engagements as ongoing, collaborative relationships focused on goal analysis and written recommendations.

Nicholas Pepe is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and six years of industry experience. He has worked at UBS since 2019 and was previously employed at Nasdaq Inc. from 2014 to 2019. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, offering financial planning, portfolio management, and a range of investment products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients' goals.

Gregory Tonnon is a financial advisor with LPL Financial in Ridgewood, NJ, holding the ChFC® designation and Series 63 registration. He has 43 years of industry experience, including prior roles at Sagepoint Financial, Inc. and The Guardian Life Insurance Company. In addition to his advisory work, he is involved as an employee benefits broker with Elite Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad network of over 22,800 advisors.

Matthew Lodato is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes positions at JPMorgan Chase Bank, Equitable Financial Life Insurance, and Bergenfield Public Schools, among others. He has also been involved with the U.S. Gymnastics Development Center. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Jowita Jurkiewicz is a financial advisor at Wells Fargo Advisors with 14 years of industry experience. She previously worked at RBC Capital Markets and Wells Fargo Clearing Services, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services tailored to clients who meet certain net-worth thresholds. The firm offers specialized planning services and integrates advisory services with various financial products and referral channels.

James Stapleton is a financial advisor with Cetera, holding Series 63 and Series 65 designations and possessing 30 years of industry experience. He has been with Cetera since 2007 and also operates his own CPA firm, James M. Stapleton, CPA, PC, providing auditing, accounting, and tax services since 1992. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary options across multiple program structures.

Robert Gariano is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has been affiliated with Cetera and its related entities since 2005 and has operated Gariano Wealth Management since 2015. In addition to his advisory work, he serves as a notary public on an ad hoc basis. Cetera Investment Advisers LLC is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a network of independent advisors and provides access to affiliated and third-party investment strategies across multiple program platforms.

James Verga is an Investment Consultant currently working with Fidelity Investments since 2025. In this role, he collaborates with clients to develop personalized investment strategies that align with their individual needs and goals, emphasizing trust and transparency. Prior to his current position, James worked as a Financial Advisor at Equitable Advisors from 2022 to 2025. His experience in these roles centers on financial planning and investment advisory services. Outside of his professional work, James has interests that include baseball, golf, movies, reading, writing, and culinary experiences.

Ronen Kim is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has worked at several firms including MML Investors Services LLC and MassMutual Life Insurance Co. Outside of finance, Ronen has experience working at Sidewalk Bistro. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios, alternative investments, and integrated custody and brokerage services.

Michael Seidenfrau is a financial advisor with Wells Fargo Clearing in Pearl River, NY, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co. Incorporated. He serves as a trustee of a trust for his daughter. 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. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

David Friedman is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and having 20 years of industry experience. His prior roles include long-term positions at Prudential Insurance Company of America and Pruco Securities, LLC. He also serves as a power of attorney for his immediate family’s estate and works as an employee benefits broker and property and casualty insurance agent. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, as well as institutional clients such as retirement plans and charitable entities. The firm employs a model-driven investment approach, offers access to third-party asset managers and wrap programs, and maintains a notable presence in non-securities products and affiliated insurance services.

Brad McIntyre is a Financial Consultant currently working at Fidelity Investments since 2021. He focuses on assisting individuals, families, and businesses in pursuing their financial goals through a holistic financial planning process that involves understanding clients' needs, goals, and concerns to develop tailored plans and provide guidance. Brad has extensive experience in the financial services industry, having served as a Wealth Management Advisor at TIAA CREF from 2013 to 2020, a Financial Advisor at Morgan Stanley from 2011 to 2013, and a Financial Advisor at Citi Smith Barney from 2005 to 2011. He holds a California Insurance License. Outside of his professional work, Brad has interests in the beach, cars, concerts, food, pets, and yoga.

Gregory Shirinian is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 licenses with nine years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley since 2018, as well as prior experience at JPMorgan Chase Securities and Hennion & Walsh, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services based on a structured discovery process and firm-approved tools.