John Mc Caffery is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and six years of industry experience. His prior work includes roles at Deloitte & Touche LLP and TP ICAP plc, as well as an academic period at James Madison University. Mass Mutual Investors Services, LLC 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 using firm-approved software and structured annual planning engagements.

Colin Rath is a financial advisor with Ameriprise in Freehold, NJ, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. He has been with Ameriprise and its affiliate since 2015. Rath serves on the Board of Directors of Virtual Letip Monmouth County, where he acts as Treasurer. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, offering tailored written Recommendation Reports. The firm combines research, modeling, and tax-efficiency analysis to deliver these services through a centralized consulting team supporting its network of advisors.

Ari Fazlija is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2025, he worked briefly at Wiss and was a student from 2016 to 2025. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services. The firm uses structured planning tools and proprietary modeling techniques, managing approximately $2.74 trillion in client assets.

Malgorzata Kaczynski is a financial advisor with Primerica Advisors in Cranford, NJ, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked with Primerica and its affiliated entities since 2021 and also has over two decades of experience with Westfield Public Schools. Outside of advising, she is involved in the sale of loan products and home security services through Primerica-affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies overseen by unaffiliated asset managers and supports trade execution and custody through third-party providers.

Manjula Alagani is a financial advisor with LPL Enterprise, holding a Series 66 designation and beginning her advisory career in 2026. She previously worked at Equitable Advisors, LLC and has over a decade of experience with H&R Block. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to various investment products through an integrated platform that combines advisory programs with brokerage and insurance options.

Jonelle Mceachern is a Series 66-licensed advisor with Primerica Advisors, where she has worked since 2016 and has 16 years of industry experience. She also has ongoing involvement with Liveops Agent Services. In addition to her advisory role, she receives compensation for part-time referrals of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm focuses on a wrap-fee structure and uses third-party asset managers with oversight from an independent consultant.

Thomas Donlon is a Series 66-licensed financial advisor with Merrill, based in Iselin, NJ, and has three years of industry experience. His prior roles include positions at Bank of America and Raistone Capital. He also has a background that includes work at Lebanon Valley College and Six Flags Great Adventure. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lawrence Pappas is a CFP® certified financial advisor with 24 years of industry experience. He is currently with LPL Enterprise and has previously worked at The Prudential Insurance Co. of America, PRUCO Securities, LLC, and Cetera. In addition to his advisory role, he operates an accounting practice providing tax preparation and business consulting services. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products.

Ardis Owens is a CFP® certificant with 20 years of industry experience, currently serving as a financial advisor at LPL Enterprise. Prior to joining LPL Enterprise in 2024, Owens held roles at The Prudential Insurance Company of America, Pruco Securities, Northwestern Mutual Investment Services LLC, and TIAA CREF advice and planning, among others. Owens is also involved with Capital Trucking Transport LLC, an active business outside the financial services sector. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers a range of services such as financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products, supported by its integrated advisory platform.

Steven Tabak is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the Series 63 designation and previously worked at Pruco Securities, LLC for six years and spent 20 years at A&Y Royal Insurance BKGE, Inc. Tabak is also involved in managing several rental properties. LPL Enterprise serves a broad mix of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory, and brokerage services through an integrated platform that combines adviser programs with insurance and lending products.

Theresa Fragale is a financial advisor with LPL Financial, holding a Series 66 designation and 10 years of industry experience. She previously worked at Wells Fargo Advisors and Wells Fargo Clearing and has held roles outside the investment industry in retail and customer service. Fragale also works as a hostess at The Elbow Room in Bradley Beach, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing research and model portfolios from multiple sources.

Michael Logiudice is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Samuel Tsirlin is a financial advisor with J.P. Morgan Securities in Brooklyn, NY, holding Series 66 and Series 63 registrations and two years of industry experience. His prior roles include positions at Northfield Bank and Aflac Field Force. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Louis Argenziano is a financial advisor with Edward Jones, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. His prior work includes roles at Merrill Lynch, Bank of America, and JP Morgan Securities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices across the country.

James Mc Govern is a Series 66-licensed financial advisor at Charles Schwab with five years of industry experience. He has worked at several firms including Prudential Investment Management Services LLC, PGIM Investments, First Eagle Investment Management, and UBS Financial Services. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services, offering both non-discretionary advisory relationships and access to discretionary separate managed accounts.

Nilesh Patel is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Mini Circuits for five years and Chemetall, part of BASF, for 21 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a variety of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

John Ross is a ChFC® credentialed financial advisor with 35 years of industry experience, currently with Ameriprise since 2019. His prior roles include positions at Mass Mutual Investors Services, MetLife, and his own firm, Ross Vitale & Associates. He serves as Vice President on the Board of Directors for the Hawthorne Terrace Tax District and participates in pro bono financial planning through national organizations such as the Financial Planning Association Foundation. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Andrew Evans is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His professional background includes roles at Bank of America and self-employment, as well as prior experience with the Arizona Department of Public Safety and the United States Marine Corps. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Andrew Reiss is a financial advisor at Cetera with Series 65 and Series 63 credentials. He has been associated with Cetera and its affiliate, CETERA Financial Specialists LLC, since 2025 and has over a decade of experience at Gerald Reiss CPA. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple investment solutions and operates a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create customized strategies.

Mark Weg is a financial advisor with LPL Financial, holding the PFS™ and Series 63 credentials and bringing 24 years of industry experience. Prior to joining LPL Financial in 2017, he worked at National Planning Corporation for five years and has been associated with Trochiano & Daszkowski LLP since 2002. Outside of his advisory role, he is a partner at a tax preparation and accounting firm. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, retirement consulting, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management, utilizing model portfolios, third-party research, and various technology tools in its investment approach.