Ann Marie George Medford is a financial advisor at Primerica Advisors with 17 years of industry experience. She holds a Series 63 designation and has been with Primerica Advisors since 2018. In addition to her advisory role, she has operated a postpartum consulting business since 2004. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of discretionary separately managed account options. The firm uses third-party asset managers and emphasizes a tiered wrap-fee billing structure.

Edmund Delorenzo is a CFP® with 28 years of industry experience, currently affiliated with Cetera since 2005. He has held roles at McGoff, Collins & Delorenzo CPAs since 1998, providing tax, accounting, and forensic investigative services. Outside of advisory work, he is involved in forensic accounting consulting and also holds an insurance agent license, selling life, health, annuities, and long-term care products. Cetera Investment Advisers LLC operates as a nationwide multi-manager platform serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a network of over 10,000 advisors and approximately 800,000 clients.

Gift Freitas is a financial advisor at Merrill with 14 years of industry experience. He holds Series 66 and Series 63 credentials and has worked at Bank of America, HSBC, and Merrill in various capacities. Merrill, along 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 individuals, high-net-worth clients, institutions, and nonprofit organizations.

Thomas Lopez is a financial advisor at OSAIC with 30 years of industry experience. He holds the Series 63 designation and has worked at OSAIC since 2024. His prior experience includes roles at American Portfolios Financial Services, Inc. and Cambridge Investment Research Advisors. Lopez also works as an independent insurance agent. OSAIC Wealth serves a diverse range of clients including retail investors, retirement plan sponsors, charities, and corporations. The firm offers brokerage and advisory services through a multi-advisor platform, with an investment process focused on model-based asset allocation, portfolio optimization, and access to third-party money management.

Thomas Spoto is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 14 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2019, following six years with Bank of America and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations and includes broader derivatives and commodities capabilities through various regulatory registrations.

Wayne Brunck is a CFP® with 41 years of industry experience, currently serving at OSAIC since 2024. His prior roles include positions at American Portfolios Financial Services, Inc., Questar Asset Management, Questar Capital Corporation, Walnut Street Securities, Inc., and Nathan & Lewis Securities, Inc. He is also the owner of Partners in Planning, Inc., where he sells fixed insurance products. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, advisor-managed portfolios, unified managed accounts, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a variety of investment strategies and third-party managers.

Ambrose Chan is a CFP® professional with 33 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2014. Prior to this, he spent 21 years with AC Financial Advisory Group. His background includes roles in advisory and insurance-related activities. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm provides both discretionary and non-discretionary management across multiple platforms and custodians, and offers proprietary model strategies through Founders Gate Capital.

Joseph Semper is a financial advisor with Primerica Advisors in New York, NY, holding a Series 63 designation and 29 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1996. Outside of his advisory role, he is involved in the sale of mortgage and home-related products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and discretionary separately managed account options tailored to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Frances Goldstein is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 credentials and having 46 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2015. Outside of her advisory role, she is involved in purchasing and occasionally selling antiques. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Patrick Doherty is Vice President and Financial Consultant at Fidelity Investments, where he has served since 2016. In this role, he collaborates with clients to develop customized wealth plans aimed at achieving their financial goals. He provides ongoing communication and support to adjust financial strategies as clients' needs evolve. Patrick has been with Fidelity Investments since 2008, progressing through various positions including Financial Consultant, Account Executive, and Investor Center Financial Representative. His experience spans client service, investment representation, and financial consulting. Outside of his professional responsibilities, Patrick has interests in baseball and soccer.

Kierra Coke is a financial advisor at Fidelity with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2021, with prior experience at Bank of America and Starbucks. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory solutions, with an emphasis on systematic methodologies and oversight.

Pasquale Castaldo is a financial advisor with LPL Financial, holding a Series 63 designation and 23 years of industry experience. His prior roles include positions at Prudential Kafcos Realty and Cetera, where he worked for over a decade. Outside of his advisory work, he operates an income tax preparation service. 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 range of advisory and brokerage services, including financial planning and model portfolio programs, supported by various operational and research tools.

Timothy Loeffler is a CFP®-certified financial advisor with 11 years of industry experience, currently with MassMutual Investors Services since 2017. He previously worked at MetLife Securities Inc. from 2015 to 2017. In addition to his advisory role, he is an independent insurance agent, focusing on life, fixed annuities, disability, long-term care, health, and property/casualty insurance, as well as life settlements. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing, collaborative financial planning using firm-approved tools and delivers written recommendations, with additional programs including estate settlement and employer-sponsored planning.

Jose Martinez is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Certified Financial Services and the UFCW National Health & Welfare Fund. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Alexander Narciso is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2018. Prior to this, he worked at Marketing Advertising Promotions, Inc. and ABM Industries. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Quinn Devlin is a financial advisor with Ameriprise, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining Ameriprise, he was with Sellside Group LLC and has a background that includes four years at William & Mary and thirteen years with Livingston Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, featuring a written Recommendation Report and ongoing advice tailored to dependable income sources and tax-aware withdrawal strategies.

Michael Kouroupakis is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience, primarily with MassMutual and its affiliates since 2021. Outside of advisory work, he is also an independent insurance agent focused on life insurance, disability, long-term care, fixed annuities, and health insurance. MassMutual 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 planning engagements as annual, collaborative relationships without discretionary authority over client investments.

Nicholas Ingram is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds the Series 66 and Series 63 designations and has worked at Citi Private Alternatives, LLC and Citigroup Global Markets prior to joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations, incorporating ESG frameworks and offering derivatives and commodities capabilities through affiliated entities.

Christopher Stern is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He holds the Series 66 designation and operates out of Maywood, NJ. Edward Jones is a full-service wealth management firm serving a broad client base—including individual, institutional, and charitable clients—with approximately $1.01 trillion in assets under management. The firm offers a variety of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, and it operates under a fiduciary standard.

Martin Jankowski is a Series 66-licensed financial advisor with 24 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has prior experience at JPMorgan Chase Bank, HSBC Securities, Citigroup Global Markets, and Citicorp Investment Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative due diligence and incorporates ESG criteria within its eligible strategies.