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.

Rashidah Polius is a Planning Consultant specializing in developing customized financial plans tailored to the needs of individuals and families. She collaborates closely with clients to review and implement holistic strategies that address both current and future financial goals. Rashidah emphasizes ongoing engagement with her clients to ensure their financial plans remain aligned with their evolving needs. Outside of her professional work, she has interests in fitness and traveling.

Jane Donnelly is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. Her prior roles include positions at Ameriprise, Edward Jones, and Federated Investment Counseling. 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, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Joseph Prizzi is a financial advisor with Raymond James & Associates holding a Series 66 designation and one year of industry experience. He previously worked at B Riley Wealth Management and was involved with Montclair State University and The Godfather of East Hanover. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and charitable organizations, offering financial planning and consulting services with a range of portfolio management styles and research resources.

Scott Russell is a ChFC® credentialed financial advisor with 52 years of industry experience. He is currently with Osaic and previously worked at Lincoln Financial Advisors and MSI Financial Services, Inc. He serves as a board member for an investment-related organization and also offers insurance products including long-term care and disability insurance. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm employs a model-based investment process with various portfolio management options and is notable for its scale, complex affiliate network, and recent consolidation activity.

Laura Babilonia is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses and bringing 17 years of industry experience. She previously worked at TD Ameritrade from 2007 to 2022 before joining Charles Schwab. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services, combining non-discretionary and discretionary investment options with a multi-asset model portfolio approach.

Nicole Allen is a financial advisor at Ameriprise with 23 years of industry experience. She holds the Series 66 designation and has been with Ameriprise since 2005. Outside of her advisory role, she serves on the Scout troop leadership committee for the Girl Scouts of Greater New York. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized retirement income service focused on written recommendations and ongoing annual planning for clients approaching or in retirement.

Randall Egan is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Cetera and its affiliates since 2005 and operates the Egan Wealth Management Group as a DBA. Cetera Investment Advisers LLC serves a broad client base that includes 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 various program structures and third-party managers.

Laura Lamond is a financial advisor at UBS Financial Services with 21 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill Lynch for 12 years before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Dominik Wiecek is a financial advisor at OSAIC in Paramus, NJ, holding a Series 66 designation. He has experience working at several firms including BLBB Advisors, Porsche Warrington, and JBMP Real Estate Group, with a background that also includes teaching positions at Temple University and local schools. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach relies on model-based asset allocation and portfolio optimization, supported by various tools and discretionary strategies.

Edward Lang is a financial advisor with Ameriprise in Ramsey, NJ, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory work, Lang is involved with the Paramus Rotary Club and serves as Director of Veteran’s Affairs, organizing events such as Bingo games at the Paramus Veteran’s Home and participating in community activities like the Paramus 4th of July Parade. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria, providing written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies through a centralized consulting team. The firm combines research, modeling, and tax-efficiency analysis, with an emphasis on assets held in Ameriprise Managed Accounts and uses algorithmic tools overseen by a Retirement Income Oversight Committee to generate and tailor recommendations.

Ryan Mctigue is a financial advisor at Fisher Investments with 12 years of industry experience. He holds the Series 66 designation and has worked at Fisher Investments since 2017, following a year at Ameriprise Financial Services. Fisher Investments serves a global mix of institutional and private clients, offering discretionary portfolio management across equities, fixed income, and blended mandates. The firm employs a centralized investment approach managed by an Investment Policy Committee and incorporates tax-aware strategies and risk management techniques in its portfolios.

Ernest Escobar is a financial advisor with LPL Financial in Mahwah, NJ, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at JP Morgan Securities and JP Morgan Chase Bank. Outside of advising, he is a co-owner of BE Method, LLC, an e-commerce sales business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a large network of representatives.

Jenna Cuenca is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and six years of industry experience. Her career includes roles at Charles Schwab Bank, Charles Schwab, TD Ameritrade, and TD Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and sophisticated modeling tools. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning arrangements.