Jonathan Crozier is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63, Series 65, and Series 66 licenses and has 16 years of industry experience. Jonathan previously worked at M HOLDINGS SECURITIES, Inc. for 14 years before joining Raymond James in 2025. He is also active as a financial advisor at Eagle Rock Wealth Management and Greenberg and Rapp Financial Group, 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, and institutional entities. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports its clients through advisory programs and institutional consulting.

Andrew Rice is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and 12 years of industry experience. His background includes roles in education and real estate, as well as entrepreneurial activities such as operating The Plow Guy, LLC. Outside of advisory work, he is involved in tutoring and works as a Realtor Associate with Keller Williams Valley Realty. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, offering a wrap-fee asset management program that relies on model-driven strategies managed by unaffiliated asset managers. The firm supports client portfolios through an overlay manager and third-party custody, focusing on advisory services delivered at scale through its network of advisors.

Maklof Hoshan is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo in various capacities since 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Victoria Gurney is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has also worked with Wells Fargo Bank, N.A. since 2014. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Michael Neumann is a financial advisor with Morgan Stanley, holding a Series 66 designation and seven years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Merrill. Outside of finance, he was involved with Coral Sea Fish and Pets LLC from 2015 to 2018. Morgan Stanley Wealth Management delivers a range of advisory services to individuals and institutional clients, including tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning programs.

Priyank Rana is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill, Bank of America, and Wells Fargo in various capacities throughout his career. Outside of his advisory role, he owns NP Creations LLC, a photography and photobooth business operated during evenings and weekends. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party providers.

Andrew Barrow is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. His career includes roles at Citigroup Global Markets from 2004 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank since 2009 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning supported by structured discovery processes and sophisticated modeling tools.

Duane Perry is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and has worked previously at UBS Financial Services and Merrill. Outside of finance, he is an ice skating and hockey instructor and coach in Morristown, NJ. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines internal research and third-party analytics to offer diversified investment solutions alongside a broad range of financial products through affiliated entities.

Sana Chander is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and three years of industry experience. She has been with Wells Fargo Clearing since 2022 and has worked at Wells Fargo Bank, N.A. since 2018. Prior to her career in finance, she was employed at Home Depot for one year. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Curley is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, J.P. Morgan Securities, and the NY Center for Interpersonal Development. Curley is also an independent insurance agent for various companies. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies with a broad selection of investment options.

Sarrail Morales Jr. is a financial advisor at Merrill with nine years of industry experience and a Series 66 designation. He has worked at Bank of America, N.A. and Merrill since 2014. 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 a range of clients including individuals, high-net-worth clients, and institutional accounts.

Angela Varcadipane is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for 10 years before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including financial planning and estate strategies, managing approximately $2.74 trillion in client assets. The firm’s approach incorporates structured discovery conversations and quantitative tools such as Monte Carlo simulations to support its planning process.

Andrzej Dudus is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 28 years of industry experience, including 20 years at Metlife Securities Inc. and has been with Mass Mutual Investors Services since 2017. He also engages in renewal and service fee work related to legacy life insurance business from Metlife and Brighthouse Insurance companies. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as ongoing, collaborative engagements using firm-approved tools and offers specialty services including estate settlement and employer-sponsored planning.

Joseph Kurzeja Jr. is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and Nathan & Lewis Securities, Inc. since 2000. MassMutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser that provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money‑manager programs, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm‑approved software to analyze client goals.

Lilia Ramos is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 25 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Carl Klech Jr. is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 35 years of industry experience. He has worked with Morgan Stanley and its affiliated entities since 1991. Outside of his advisory role, he serves as an executor or co-executor of an estate. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering customized financial planning and a broad range of investment programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Jon Iosso is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has two years of industry experience, including roles at MML Investors Services, MassMutual Life Insurance Co., and prior employment outside the financial sector. In addition to his advisory work, he is active as an insurance broker, offering life, disability, long-term care insurance, fixed annuities, and health products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to develop written recommendations in collaborative annual engagements.

John Stokes III is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding a Series 66 designation and 22 years of industry experience. He has worked at RBC Capital Markets since 2008 and at City National Bank since 2018. Outside of his advisory role, he serves as an event coordinator for the Lebanon Township Recreation Committee and is a member of the Lebanon Township Board of Education. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations by providing discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm offers tailored investment strategies using in-house and third-party managers, with integrated capital markets and alternative investment capabilities.

Patrick Morris is a financial advisor with Wells Fargo Advisors in Chatham, NJ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Prudential Equity Group, LLC. He is also the owner of RIMO ENTERPRISES, LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services, including specialized planning for business owners, sports and entertainment professionals, and special-needs cases.

Anthony Lenza III is a financial advisor at Edelman Financial Engines with a Series 65 designation and one year of industry experience. His prior work includes roles at All Fronts Insurance Services Inc. and Binghamton University. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment solutions.