Elizabeth Novak is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. She has worked within various Wells Fargo entities since 2013, including Wells Fargo Bank, N.A. and Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, combining research and analytics with a broad range of brokerage and advisory solutions.

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.

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.

Ralph Lucarelli is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior experience includes roles at Merrill and Vienna Capital Partners. Outside of finance, he has worked in education and recreational facilities. 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 fundamental research, quantitative analysis, and algorithmic portfolio construction, offering a range of services from discretionary portfolio management to fund advisory and model portfolio delivery.

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.

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.

Mark Porcelli is a CFP® professional with 19 years of industry experience. He is currently with Charles Schwab, where he has worked since 2018, including three years at Schwab Private Client Investment Advisory. Prior to that, he spent five years at TIAA-CREF. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining strategic asset allocation with centralized custody and supervisory functions.

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.

W Doxey Jr. is a financial advisor at Merrill with 24 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Merrill since 2008. He is also affiliated with Bank of America, N.A. since 2017. Merrill, together 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 strategies for individuals, institutions, and charitable organizations.

John Murphy is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 designations and eight years of industry experience. He has worked at Wells Fargo Clearing since 2017 and has been with Wells Fargo Bank, N.A. since 2002. Outside of his advisory role, he performs musical entertainment at local events through his own business, John Murphy Musical Entertainment. 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 approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Eric Hayes is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and eight years of industry experience. He previously worked at Sanford C Bernstein & Co LLC, Lifetime Wealth Alliance LLC, and Mill Creek Capital Advisors LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers access to a broad array of investment products and strategies.

Daniel Epstein is a ChFC®-designated financial advisor with seven years of industry experience. He is currently with Mass Mutual Investors Services and has prior experience at NYLife Securities and Harvard Business Analytics. Epstein also works as an insurance broker, focusing on life, fixed annuities, disability, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charities, and employers. The firm offers financial planning, asset management, and educational programs using model-driven analyses and structured, collaborative client engagements.

Joshwin Clervoix is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc., where he has been employed since 2019, as well as earlier positions at Wells Fargo Advisors and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory process is IPS-driven and based on modern portfolio theory, incorporating a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Travis Cimino is a financial advisor at Merrill with nine years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Compass Private Wealth Group LLC, Santander Securities LLC, and PNC Bank. Outside of his advisory role, he is a range safety officer at RTSP LLC, a gun range in New Jersey. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zakkour Chivi is a financial advisor at Ameriprise with 36 years of industry experience. He holds the Series 63 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he serves as a Board of Elders member for the Virgin Mary Assyrian Orthodox Church in Paramus, NJ. Ameriprise is an institutional firm that offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary retirement income recommendations through a centralized consulting team.

David Brown is a financial advisor with Morgan Stanley in Short Hills, NJ, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers advisory programs that include tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.