Michael Pechersky is a CFA® charterholder with 13 years of industry experience. He is currently with LPL Enterprise and has previously worked at firms including Prudential Insurance Company of America, MassMutual, and New York Life. Outside of investment advisory, he also provides property and casualty insurance as well as individual medical insurance. LPL Enterprise serves a diverse client base including individual and high-net-worth investors, retirement plans, and institutional entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, third-party asset management access, and insurance product sales through affiliated entities.

Ljindon Vukdedaj is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2015. Outside of his advisory role, he serves as a soccer referee for high school games and supports a small family farming business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a blend of quantitative and qualitative research.

David Goldring is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 29 years of industry experience. He has worked with Cetera and its affiliate firms since 2007 and has led Goldring Wealth Management Services Inc. since 2011. Outside of his advisory role, he is involved in accounting, bookkeeping, and tax preparation through a separate business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various investment program options and custodial relationships.

Donald Kluge is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has operated The Kluge Financial Group LLC since 1987 and has been with Cetera since 2005. He is also involved in selling health insurance and provides tax preparation services through Donald Kluge & Co, Inc. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management options, financial planning, and retirement services, operating a multi-manager platform with assets under management exceeding $256 billion.

Nader Ghoujal is a financial advisor at Charles Schwab with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Charles Schwab since 1991, including over two decades at Charles Schwab Bank. Charles Schwab & Co., Inc. serves primarily 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.

Elaine Beneduci is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Her prior roles include positions at B. Riley Wealth Management, Morgan Stanley, and Wells Fargo Clearing. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform, with an investment process that emphasizes model-based asset allocation, portfolio optimization, and a range of managed account strategies.

James Murphy is a financial advisor at Equitable Advisors with eight years of industry experience. He holds the Series 66 designation and previously worked at Mariner Investment Group and Axa Advisors, LLC. Located in Pearl River, NY, Murphy has been with Equitable Advisors since 2018. Equitable Advisors serves a broad client base, including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party advisory models and services.

Kimberly Dallon is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 licenses and having 17 years of industry experience. She has been with PFS Investments Inc. since 2016 and Primerica Financial Services since 2015. In addition to investment advising, she is involved in sales of loan products and home-related services through affiliates of her firm. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, offering model-based strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail clients rather than institutional pension or profit-sharing plans.

Nicholas Sherry is a financial advisor with Edward Jones in Nyack, NY. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2026. Prior to joining Edward Jones, he worked briefly at Hennion & Walsh, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets across a wide range of advisory programs and maintains a large nationwide network of financial advisors and branch offices.

Peter Morris is a CFP® with 29 years of industry experience, currently advising at Raymond James & Associates. He previously worked at UBS Financial Services for 15 years before joining Raymond James in 2026. 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, institutional clients, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Michael Bale is a Wealth Management Advisor at Merrill Lynch Wealth Management, providing comprehensive wealth management planning to a diverse clientele. He has more than ten years of experience working closely with well-educated and forward-thinking individuals who seek real-world strategies and realistic expectations to achieve their financial goals. Michael's expertise includes investment and retirement planning, elder care financial management, college education planning, divorce transition planning, special needs planning strategies, tax minimization, and retirement income. He serves a loyal and growing client base primarily in New Jersey, New York, and coastal areas, including corporate executives, physicians, medical sales representatives, divorced and widowed individuals, and multiple generations of families. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification from the Certified Financial Planner Board of Standards and the Personal Investment Advisor (PIA) designation. Michael graduated from Rutgers University and is a native of Bergen County, New Jersey, where he currently resides with his wife and three children. Outside of his professional life, he enjoys baseball, basketball, cooking, football, golfing, hiking, softball, spending time with his family, and is involved in his community as a youth sports coach.

Michelle Rosenberg is a financial advisor at Cetera with 25 years of industry experience. She holds a Series 63 designation and has worked with Millman and Rosenberg Associates Ltd since 2016. In addition to her advisory role, she co-owns Millman and Rosenberg Associates, Ltd., a tax consulting and business management firm, and is a 50% owner and manager of Rosemill Ventures LLC, a business consulting company. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and features a multi-manager platform with access to affiliated and third-party managers.

John Zuzulo is a financial advisor at Fidelity with 25 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at multiple firms including JPMorgan Securities LLC, Wells Fargo Clearing, and Bank of America N.A. Outside of his advisory work, he has involvement as a landlord managing single-family rental properties. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios composed of mutual funds, ETFs, and ETPs. The firm also serves as an advisor to registered investment companies and utilizes systematic methodologies alongside oversight controls in its investment process.

Gigi Tong is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has been associated with Merrill and Bank of America, N.A. since 2010 and 2011, respectively. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors, combining internal and third-party management with various strategic and tactical asset allocation approaches.

Richard Beneduci Jr. is a financial advisor at OSAIC with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley, Winslow, Evans & Crocker, and B. Riley Wealth Advisors prior to joining OSAIC. He is also involved in an insurance-related business activity. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supported by various tools and strategies tailored to client needs.

Robert Wagner is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 33 years of industry experience. His prior roles include positions at Wells Fargo Advisors and HSBC Securities (USA) Inc. He is also involved in a business entity connected to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, and institutional platforms while supporting advisors with research tools and a broad array of financial services.

Marlene Smikle is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 20 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she owns and operates a self-care products business. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individuals, corporations, and institutions, supported by a large network of over 14,000 advisors and extensive assets under management.

Siobhan Cummings is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2015. 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 developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Lodato is a financial advisor at Charles Schwab with one year of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Wells Fargo Bank and Uber. Charles Schwab & Co., Inc. serves primarily 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 offers both non-discretionary and discretionary investment options, combining a multi-asset allocation approach with centralized operational support.

Pawel Langiewicz is a financial advisor at Charles Schwab with 14 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab and its affiliates since 2013, including Charles Schwab Bank SSB since 2024 and Charles Schwab and Co., Inc. since 2022. Charles Schwab & Co., Inc. serves a large client base consisting mainly 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 offers primarily non-discretionary investment guidance with access to discretionary separately managed accounts and employs multi-asset model portfolios supported by research from its Center for Financial Research.