Michael Sobieski is a financial advisor at Fidelity with 25 years of industry experience. He has held roles at Strategic Advisers, Inc. since 2003 and has been with Fidelity Investments and Fidelity Personal and Workplace Advisors since 2000. Sobieski holds Series 63 and Series 66 designations. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios.

Daniel Bavuso III is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and over 32 years of industry experience. His career includes long tenures at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He is also involved in private investment ventures through his ownership interests in Hamilton Capital Advisors, LLC and Bavuso GP, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and financial planning services tailored to clients who meet specific net-worth thresholds. The firm provides a broad range of planning services and integrates advisory recommendations with various financial product offerings.

Christian Fusco is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. His career includes prior roles at LogicSource, Inc. and educational positions at the University of St Andrews, George School, and Peddie School. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to support its financial planning process.

Danielle Veloso is a financial advisor with LPL Enterprise and holds a Series 66 designation. She has seven years of industry experience, including five years at Pruco Securities, LLC, and currently manages The Garback Agency, which handles payroll, bookkeeping, and vendor management. LPL Enterprise, LLC provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Michael Sosa is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. He has worked with Cetera and its affiliated entities since 2020. Outside of advisory work, Sosa serves as Director of Treasury at Proximo Spirits, Inc., where he is involved in tax and corporate projects, and he operates a tax preparation service through Premier Financial Group, LLC. Cetera Investment Advisers LLC operates a large 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, with over $256 billion in assets under management and more than 10,000 advisors.

Jeffrey Ball is a financial advisor with RBC Capital Markets in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs, providing portfolio management, financial planning, custody, and brokerage services tailored to each client’s Advisory Risk Profile.

Ashley Gunther is a financial advisor at LPL Enterprise with Series 66 credentials and two years of industry experience. Prior to joining LPL Enterprise in 2025, Gunther worked at Truist Advisory Services Inc., Truist Investment Services Inc., Truist Bank, BB&T Bank, and PNC Bank. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, 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 insurance products through affiliated entities.

Ronnie Critelli is a Series 66-credentialed financial advisor with 24 years of industry experience. He is currently with Wells Fargo Advisors in Red Bank, NJ, having previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his financial career, he serves as a soccer referee in Old Bridge, NJ. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and develops tailored recommendations using proprietary research and tools, delivering these through meetings and written client summaries.

Michael Minnella is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in guiding first-generation wealth creators, entrepreneurs, and families through financial complexities, with a focus on areas such as divorce transition planning, executive compensation, family wealth management strategies, and personal retirement planning. Michael holds the Chartered Financial Consultant (ChFC) designation and has completed an Accredited Certificate Program from the American College. His expertise includes managing concentrated stock positions, addressing significant life transition events like retirement and inheritance, and collaborating with clients' legal and accounting advisors on estate planning issues. Residing in Howell, NJ, Michael is involved in his community as a baseball, soccer, and softball coach. Outside of his professional duties, he values family time, engaging in activities such as traveling, endurance sports, and volunteering, which inform his approach to wealth management focused on long-term planning and purpose-driven financial strategies.

Waltraud Grande is a CFP® with 44 years of experience in the financial services industry. She is currently with Raymond James Financial Services Advisors, Inc., where she has worked since 2021. Her prior experience includes roles at Cetera Advisor Networks, Summit Financial Group, Wells Fargo Advisors, and operating Grande Financial Services, Inc. for over three decades. Grande is a part owner of Grande Financial Services, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and nonprofits. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work, distinguishing it within the institutional advisor category.

Scott Brady is a Certified Financial Planner (CFP®) with 22 years of industry experience. He is currently with Cambridge Investment Research Advisors and has prior experience with firms including Ic Advisory Services Inc and TFS Securities, Inc. Brady serves as Treasurer and Board Member of the Carmie Brady Foundation, a nonprofit organization. Cambridge Investment Research Advisors is an SEC-registered firm that provides financial planning, investment management, retirement plan advisory, and financial-wellness services to a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of investment strategies through multiple platforms and maintains both proprietary and third-party model-based solutions.

Jeffrey Langer is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs delivered through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory solutions.

Kennedy Crossan is a CFP® professional with 25 years of industry experience, currently affiliated with OSAIC in Red Bank, NJ. He has worked at Royal Alliance since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he owns TFP Partners, LLC, which manages vendor contracts, and is a partner at Prime Wealth Partners, a firm that sells and services fixed insurance products including long-term care, disability, life, and health insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a robust selection of portfolio management tools and access to third-party money managers.

Armando Krusell is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. Prior to joining LPL Enterprise, he worked at TD Bank N.A. and Dicks Sporting Goods and was a full-time student for eight years. He is also involved in a non-variable insurance business in Hopelawn, NJ. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Shaun Ahern is a financial advisor with Cetera holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company. Outside of finance, he has experience managing a hospitality business, Prime 13 Steakhouse, and was involved with Reef and Barrel for several years. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, and manages over $256 billion in assets with more than 10,000 advisors nationwide.

Alessandra Panagos is a CFP®-certified financial advisor with four years of industry experience. She is currently with Cetera and also works as an assistant at Jack Oujo CPA, Inc dba Oujo Wealth Strategies, supporting tax and retirement planning services. Her previous experience includes roles at Avantax and Fidelity Investments. Cetera Investment Advisers LLC is a nationwide firm serving 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 multi-manager platform with over $256 billion in assets under management and more than 10,000 advisors.

Holly Marcin is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. She has worked at Charles Schwab since 2019 and was previously employed at Abel HR for one year. Prior to her career in finance, she was a homemaker for over two decades. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm provides both non-discretionary and discretionary investment options, supported by strategic asset allocation models and centralized operational infrastructure.

Stephen Hawthorne is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. He has worked at firms including Allied Wealth Partners and Securian Financial Services and currently operates Hawthorne Wealth Management LLC, a separate expense management business. Hawthorne also serves as the Youth Advisor Training Chair for NAIFA New Jersey and holds a volunteer secretary position with the National Association of Insurance and Financial Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Justin Tansey is a financial advisor with Primerica Advisors in Freehold, NJ, holding Series 63 and Series 65 licenses and bringing four years of industry experience. He has worked at Primerica Advisors since 2022 and previously at AllDigital Specialty and Fairleigh Dickinson University. Outside of advising, Tansey is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based investment strategies managed by third-party asset managers and operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management.

Ryan Aiello is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked within various Wells Fargo entities since 2013, including Wells Fargo Advisors and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory services supported by research from Wells Fargo Investment Institute and third-party sources.