Jason Sperber is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds the Series 63 and Series 66 designations and has worked previously at City National Bank and RBC Capital Markets. Outside of his advisory role, he is involved in the resale of timepieces through a privately owned business. 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 services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Luis Martinez is a financial advisor with Wells Fargo Clearing and holds a Series 63 designation. He has 22 years of industry experience, including nine years at UBS Financial Services and six years at Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Robert Tria is a financial advisor at Ameriprise with 30 years of industry experience. He holds the Series 63 designation and has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce personalized Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Christine Ostapiak is a CFA® charterholder with 25 years of industry experience. She is currently affiliated with Cetera and Pascarella Wealth Partners LLC, where she serves as a financial professional. Ostapiak has been associated with Cetera Advisors LLC and Pascarella Wealth Partners since 2013. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Jose Vicente Jr. is a CFP®-designated financial advisor with Ameriprise, bringing 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is a co-owner of NJ2CA, LLC, a financial planning business. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process while emphasizing the use of Ameriprise-managed accounts.

Clifton Lee is a financial advisor with Ameriprise in Fort Lee, NJ, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its related entities since 2014. Outside of his advisory role, he is a co-owner of a restaurant business, which is managed by his wife. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce non-discretionary, written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Michael Sadowski is a CFP®-designated financial advisor with LPL Financial, based in Upper Saddle River, NJ, and has four years of industry experience. He previously worked at Wells Fargo Advisors for five years and has two years of experience with the Boy Scouts of America, Northern New Jersey Council. 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, model portfolios, third-party asset management, and institutional platforms, supported by extensive technology and a large network of advisors.

Amanda Capuano is a financial advisor at UBS Financial Services with two years of industry experience. She holds Series 63 and Series 65 licenses and has prior work experience at Core Facility Services, Direct Computer Resources, and Monmouth University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets, custody, and research resources.

Gabrielle Perruso is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2019. Prior to that, she was with Herold Law, P.A. for one year and attended the University of Delaware from 2013 to 2017. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options within its investment menus.

Roger Golinski is a Financial Consultant at Fidelity Investments, a position he has held since 2019. In this role, he focuses on understanding each client's unique goals and priorities to provide tailored financial guidance. Prior to joining Fidelity, he worked at USAA from 2014 to 2019, initially as an Investment Services Representative and later as a Senior Financial Advisor. Throughout his career, Roger has developed experience in financial consulting and investment services. His approach involves taking the time to understand clients' individual circumstances to align financial strategies with their objectives. Specific details regarding his education and credentials were not provided.

Paul Lotito is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the RLA Group. He has over 33 years of experience focusing on portfolio design and implementation for high-net-worth individuals, associations, and charitable institutions. Paul works closely with clients to develop portfolios that align with their financial needs and concerns, specializing in areas such as family wealth management strategies, legacy planning, liquidity management, and retirement income. Paul holds a Bachelor's degree from Rutgers University and is a CERTIFIED FINANCIAL PLANNER® professional as well as a Personal Investment Advisor (PIA). His expertise includes tactical asset allocation strategies and portfolio management services. The RLA Group at Merrill Lynch Wealth Management, which he is part of, serves clients including high net worth individuals and their families, foundations, and corporate retirement plans, helping them prepare for significant life events like retirement and generational wealth transfer. Paul has been married to Cheryl for over 39 years and they have two adult children. His personal interests include basketball, racquetball, spending time with family, traveling, and watching movies.

Josephine Holguin is a financial advisor at Merrill with Series 66 and Series 63 credentials and three years of industry experience. Her prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank, NA. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ramsey Khattab is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors Corp. for 21 years. Outside of advisory work, he owns and operates multiple businesses including a social networking dating portal and various medical aesthetics and wellness ventures. OSAIC serves a diverse client base including individuals, high-net-worth investors, and institutional clients through a large network of financial advisers and offers integrated brokerage and advisory services. The firm employs a variety of investment platforms and tools, including third-party models and managed-account solutions.

James Cramer is a financial advisor with Edward Jones in Pompton Plains, NJ, holding Series 63 and Series 66 designations and possessing 22 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Yedidya Diena is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. Before joining Merrill and Bank of America in 2026, he operated a custom clothing business and held various roles in educational and nonprofit organizations, including Chai Lifeline Canada and Touro University. His outside business activities include managing a custom clothing enterprise. Merrill and its affiliate Managed Account Advisors LLC provide managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Bajakian is a financial advisor at Primerica Advisors with 34 years of industry experience. He has been with Primerica Financial Services since 1991 and with Primerica Advisors since 1990. Bajakian is registered with Series 63 and Series 65 licenses. His other business activities include sales of investment-related products and referrals for home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap fee structure.

Constantino Di Taranto is an advisor with LPL Financial, holding a Series 66 designation and beginning his industry career in 2026. Prior to joining LPL Financial, he worked at Northern Advisory Group and Merit Homes, and he has experience in education at various schools including Kinnelon High School and Pearl R Miller Middle School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, research, and various investment management options.

Joseph Brunelli is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory work, he is a trustee for his father's trust and holds a minority ownership in a real estate holding company. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Gregory Daniel is a CFP® with 37 years of industry experience, currently affiliated with LPL Financial since 2025. He previously worked at Cadaret, Grant & Co., Inc. for 31 years and has managed Daniel Financial Management Group, LLC since 2006. Outside of his advisory work, he is a business owner of Badger Metal & Machine Fabrication. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Carter Spearry is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. Prior to joining Edward Jones in 2023, he was involved with nRICHD Consulting, a recruiting and talent acquisition business specializing in manufacturing and IT, where he oversaw business operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of investment advisory programs supported by a nationwide network of financial advisors and branch offices.