Alan Brum is a financial advisor at Raymond James & Associates with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Ameriprise, Kestra Investment Services, and TD Ameritrade. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

John O'Donnell is a financial advisor with Ameriprise in Princeton, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Ameriprise Financial Services, Inc. He is the sole owner of JacAcq LLC, a business focused on managing practice operations. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

Rickie Santana is a financial advisor with Ameriprise in North Bergen, NJ, holding a Series 66 designation and nine years of industry experience. He has been with Ameriprise and its related entities since 2015. Outside of advising, Santana is involved in independent insurance brokering with several providers including Horizon BlueCross BlueShield and Metlife. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with substantial investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation overseen by a dedicated consulting team to deliver personalized, non-discretionary retirement advice.

John Garretson is a CFP® professional with 42 years of industry experience, currently affiliated with LPL Financial. He previously worked at Ic Advisory Services, Inc. and The Investment Center. Outside of advising, he owns a business focused on college financial aid. 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, offering a range of advisory programs, financial planning, and retirement consulting services.

Mark Van Ness is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on developing investment strategies for high net worth individuals and business owners, providing goals-based wealth management alongside a team of specialists. Mark's work includes managing portfolios that may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Mark has been in the financial services industry since 1999 and joined Merrill Lynch Wealth Management in 2012. He holds the designation of Personal Investment Advisor (PIA) and earned an Associate's Degree from Devry University. His client focus areas include education planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. Residing in Westfield, NJ, Mark lives with his wife, Roseann, and their two daughters, Gabriella and Sabrina. Outside of his professional work, he enjoys baseball, boating, fishing, football, traveling, sport fishing, and Italian food.

Nikolas Keszthelyi is a financial advisor at Equitable Advisors with one year of industry experience and holds the Series 66 designation. His prior work includes positions at Joyce Honda and Zumiez Inc. Equitable Advisors serves a wide range of clients including individual, high-net-worth, retirement plan, corporate, charitable, and institutional investors, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through various program sponsors and third-party managers, with a significant focus on non-discretionary asset management and collaboration with affiliated managers.

Adnan Khan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing eight years of industry experience. He has worked at Wells Fargo Clearing Services LLC since 2017 and at Wells Fargo Bank NA since 2016. Additionally, Khan has a business interest in RR Solutions, LLC, which provides sales, marketing, and technology solutions to internet and cable companies through outsourcing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and external sources.

Gary Nesta is a financial advisor at Mass Mutual Investors Services with five years of industry experience. He holds the CFP® and ChFC® designations as well as a Series 66 license. Prior to joining Mass Mutual Investors Services in 2020, he worked in various roles including positions at Retro Fitness and Ramapo College of New Jersey. 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, utilizing firm-approved software tools to deliver written recommendations as part of annual, collaborative planning engagements.

Debra Bruno is a financial advisor at LPL Financial with 37 years of industry experience. She previously worked at IC Advisory Services, Inc. and The Investment Center, Inc. She holds a Series 63 designation. Outside of her advisory role, she is involved in insurance sales of non-variable products and manages an investment-related business entity. 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, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Daniel Rispoli is a financial advisor at Wells Fargo Advisors with 22 years of industry experience. He has worked at various Wells Fargo entities since 2009 and holds Series 63 and Series 65 designations. Outside of his advisory work, he operates a business involved in buying and selling game and sports trading cards online. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning services and develops tailored recommendations using proprietary research and tools, with clients able to implement advice through brokerage or advisory programs on an optional basis.

Louis Mazzone is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior work includes roles at Signature Securities Group Corp./Signature Bank and Cetera Advisors LLC. Outside of advisory work, he owns Medicare Network Advisors LLC, a health insurance business. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Donald Martine is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2014 and Bank of America since 2015. Outside of his advisory role, he is involved in trade work for Peppler Funeral Home. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

James Ogrady is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 2013. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zachary Fransckiewich is affiliated with LPL Enterprise and holds a Series 66 designation. He has been with LPL Enterprise since 2026 and has no prior industry experience. Outside of financial advising, he has experience working in the hospitality and education sectors, including ownership of Hotel LBI since 2020. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services supported by LPL’s research, model portfolios, and third-party strategists.

James Austin is a financial advisor with Primerica Advisors in Colonia, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1989. Outside of his advisory work, he serves as the executor of his mother's estate. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and selectively managed accounts to individual and high-net-worth clients under a wrap-fee structure. The firm curates third-party asset managers and uses an independent due-diligence process to oversee portfolio management.

John Frank is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors Corporation and several Summit firms. Outside of advising, he operates a courier service as a sole proprietor. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios that may include a broad range of investment vehicles.

Matthew Filik is a CFP® with 16 years of industry experience, currently affiliated with LPL Financial. He previously worked at Ic Advisory Services Inc and The Investment Center Inc, as well as Invest Financial Corporation. Outside of his advisory role, he serves as a board member for The Community Food Bank of New Jersey. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with both discretionary and non-discretionary management supported by research and model portfolios.

Richard Friaglia is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding Series 63 and Series 65 credentials and having 27 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2013. Friaglia serves as a board member for Hudson Community Enterprises, a nonprofit organization, and also works as an agent involved in the sales and service of individual and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved software and collaborative planning processes.

Gail Abrams is a financial advisor at Cambridge Investment Research Advisors with 27 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including LPL Financial, National Planning Corporation, and Ic Advisory Services Inc. In addition to her advisory role, she owns and operates a legal services practice. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing multiple custody platforms and a range of discretionary and non-discretionary strategies.

Cinzia Laurenza is a financial advisor at Edward Jones with 17 years of industry experience. She holds Series 63 and Series 66 designations and has been with Edward Jones since 2017, following a one-year tenure at Professional Passport. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.