Waltraud Grande is a CFP® with 44 years of experience in the financial services industry. She is currently with Raymond James Financial Services Advisors, Inc., where she has worked since 2021. Her prior experience includes roles at Cetera Advisor Networks, Summit Financial Group, Wells Fargo Advisors, and operating Grande Financial Services, Inc. for over three decades. Grande is a part owner of Grande Financial Services, 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, institutions, and nonprofits. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work, distinguishing it within the institutional advisor category.

Kseniia Kairelshtein is a financial advisor at Raymond James & Associates with nine years of industry experience. She holds a Series 66 designation and has worked previously at Morgan Stanley and Citibank N.A. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing tailored financial planning and consulting services through various portfolio management styles and affiliated research.

James Maltese serves as an International Wealth Advisor at Merrill Lynch Wealth Management, where he has spent his entire financial services career since joining the firm in 1989. Leading The Maltese Group, he provides a full range of wealth management services to corporate executives and their families, including expertise in corporate benefit programs such as equity compensation and non-qualified deferred compensation. He is a qualified Portfolio Manager and offers discretionary management through Personalized or Defined Strategies that may incorporate various investment options. James and his team focus on supporting corporate executives, business owners, and those transitioning into retirement by delivering customized financial strategies and insights. Their advisory services cover areas including executive compensation, retirement planning, legacy planning, tax minimization, liquidity management, investment management, and trust and estate planning. He earned his bachelor's degree in marketing from Villanova University and holds the Chartered Retirement Planning Counselor™ (CRPC™) designation. Throughout his career, James has received multiple recognitions, including repeated inclusion in Barron's Top 1,200 Financial Advisors and the Financial Times 400 Top Advisors. Outside of work, he volunteers for MIPH (Making it Possible to End Homelessness) and enjoys coaching, playing acoustic guitar, and cooking.

Jeffrey Langer is a financial advisor with Equitable Advisors in Marlboro, NJ, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has been with Equitable Advisors since 1999 and also worked at Axa Advisors, LLC during the same period. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm operates a hybrid referral and implementation model that includes both advisory and brokerage/insurance channels to implement client recommendations.

Kennedy Crossan is a CFP® professional with 25 years of industry experience, currently affiliated with OSAIC in Red Bank, NJ. He has worked at Royal Alliance since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he owns TFP Partners, LLC, which manages vendor contracts, and is a partner at Prime Wealth Partners, a firm that sells and services fixed insurance products including long-term care, disability, life, and health insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a robust selection of portfolio management tools and access to third-party money managers.

Armando Krusell is a financial advisor with LPL Enterprise holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Enterprise, he worked at TD Bank N.A. and Dicks Sporting Goods, and was a full-time student for eight years. He is also involved in non-variable insurance activities through an independent agency. 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 asset management and brokerage products through an integrated platform.

Andrew Pasquarelli is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds a Series 66 designation and has been with Equitable Advisors since 2026. Prior to joining the firm, he worked at Burlington Stores and has experience in the retail and service industries. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations. The firm offers financial planning, brokerage services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and a broker-dealer.

Justin Tansey is a financial advisor with Primerica Advisors in Freehold, NJ, holding Series 65 and Series 63 licenses and having three years of industry experience. He has worked with Primerica Advisors since 2022 and previously served at AllDigital Specialty and Fairleigh Dickinson University. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and provides support through BNY Mellon Advisors and Pershing for trade execution and custody.

Ryan Aiello is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Advisors, LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Ronald Crudo Jr. is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked with firms including LPL Financial, AXA Advisors, and Calamos Financial Services. He is also an insurance agent involved in the sale of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting diverse investment strategies under various program structures.

Richard Cardinali is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 27 years of industry experience and 25 years dedicated to wealth and retirement planning. Since joining Bank of America in 1998 and transitioning to Merrill in 2008 with his team, he has focused on helping clients implement strategies centered on asset and lifestyle preservation, trust and estate planning, tax minimization, and the efficient transfer of assets. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, socially responsible investing, and retirement income planning. Richard holds a Bachelor’s degree from Bucknell University and is a Certified Plan Fiduciary Advisor (CPFA®), a Personal Investment Advisor (PIA), and a Retirement Accredited Financial Advisor (RAFA). He emphasizes a client-first approach to wealth and retirement planning, aiming to support clients in achieving a work-optional lifestyle through customized financial strategies that adapt as their lives evolve. A native of New York City, Richard resides in New Jersey with his three children. Outside his professional activities, he enjoys biking, cooking, football, music, reading, and spending time with his family.

Daniel Rothman is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has been with UBS since 2018. Prior to his current role, his work history includes positions at Compassion First Pet Hospitals and American Income Life. UBS Financial Services serves individual, corporate, and institutional clients offering a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based asset allocation tailored to client goals and risk tolerances.

Christopher Donnelly is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked within the Wells Fargo organization since 2009, previously with Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services through a network of advisors, utilizing proprietary research and planning tools to provide tailored recommendations.

Cynthia Englise is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior experience includes roles at Stifel Nicolaus & Co Inc, Morgan Stanley, and Ameriprise Financial Services, Inc. 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 strategies for a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wayne Brannan is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stuart Hoch is a financial advisor with OSAIC, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 38 years of industry experience, including 22 years at Lincoln Financial Advisors Corp. prior to joining OSAIC in 2025. Outside of advisory services, he provides individual and group health products. OSAIC serves a diverse client base including retail and institutional investors and offers a range of advisory and brokerage services. The firm employs various portfolio construction tools and supports multiple managed account platforms, combining in-house and third-party resources.

David Silverman is a financial advisor with Merrill based in Highland Park, NJ. He holds Series 63 and Series 65 designations and has 29 years of industry experience. His work history includes roles at Merrill since 2010 and Bank of America, N.A. since 2012. 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 plans, corporations, and charitable organizations.

Thomas Scotto is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 66 licenses. He has eight years of industry experience, including roles at J.P. Morgan Securities LLC and Regulus Financial Group, LLC. Before his financial services career, he operated Villa Monte Pizzeria for two years. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap programs, and educational seminars, with a focus on collaborative, annual planning engagements using firm-approved analytical tools.

Rodney Medina is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is associated with MK Financial Group LLC in Millstone Township, New Jersey. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm provides various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Christopher Malloy is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on legacy planning, personal retirement planning, portfolio management services, and individual and corporate investment strategy. His approach involves thoughtful planning, disciplined investing, and advice tailored to clients' goals and priorities. Mr. Malloy began his career in financial services in 1993. In 1996, he joined the New York Stock Exchange where he spent 19 years as a Designated Market Maker, gaining experience through multiple market cycles and economic environments. His subsequent experience in Private Client Banking and Wealth Management has shaped the long-term, value-based investment approach he brings to clients. He works closely with individuals, families, and business owners to develop personalized financial planning strategies addressing retirement, estate and trust planning, and investment goals. He holds a Bachelor's Degree from Arizona State University and the Personal Investment Advisor (PIA) designation. Mr. Malloy is involved with the Eastern Monmouth Area Chamber of Commerce and participates in community activities including JBJ Soul Kitchen. His personal interests include basketball, biking, golfing, hiking, music, running, and skiing.