Eric Gottesman is a financial advisor with LPL Financial in Brooklyn, NY, holding a Series 63 designation and 13 years of industry experience. His prior roles include work at National Life Group and Equity Services, Inc., among others. In addition to his advisory work, he is involved with ESM Tax Inc, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services supported by proprietary and third-party research, and serves both discretionary and non-discretionary management clients.

Hoda Ali is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2008. She has been with Fidelity Investments since 2004, starting as a Financial Representative, then serving as an Investment Consultant before her current role. As a Certified Financial Planner, she works closely with clients to address their unique financial goals and objectives. Hoda emphasizes comprehensive wealth and family planning as well as investing in her practice. She holds a California Insurance License, supporting her ability to provide a range of financial services. Her experience spans over a decade within Fidelity Investments, focusing on financial consulting and investment advice.

Deborah Mannix is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. She has been with Bank of America and Merrill for the past 10 years. Outside of her advisory role, she has an interest in a rental property business located in Islamorada, Florida. 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 investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Michael Snyder is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors for NJ Rise. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides personalized, tax-aware retirement planning through a collaborative, non-discretionary process informed by proprietary research and third-party data.

Peter Mc Carron is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Raymond James Financial Services, Inc. since 2002. In addition to his advisory role, he owns a branch support company, PG&M Consulting. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual and high-net-worth clients, as well as institutional and corporate clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports a range of advisory programs and institutional portfolio management.

Stephen Scafidi is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked with Equitable Advisors since 2016, including its predecessor AXA Advisors. Equitable Advisors serves a diverse range of clients including individuals, high-net-worth clients, retirement plans, corporations, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual registration as an SEC-registered investment adviser and broker-dealer.

Frank Condon is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory role, he serves as Treasurer for Western Monmouth Habitat For Humanity. UBS Financial Services Inc. offers brokerage and investment advisory services to individual, corporate, and institutional clients, utilizing a range of products including fee-based financial planning, portfolio management, and alternative investments. The firm integrates institutional trading capabilities with wealth management and leverages proprietary research and model-based asset allocations to tailor client strategies.

Theodore Perednia is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1981 and brings 40 years of experience in the financial services industry. Theodore and his team serve a diverse clientele, including individuals, families, businesses, accountants, attorneys, medical professionals, and nonprofit institutions and foundations. He holds a bachelor's degree in Economics and Business Administration and an MBA in Finance, both from Wagner College. Theodore is a Personal Investment Advisor (PIA) and integrates a personalized approach in developing financial strategies aligned with clients' long-term goals. Beyond his professional work, Theodore is actively involved in community and charitable organizations. He has been a member of Rotary International since 1985 and served as President of the Rotary Club of New York #6 during 2018-2019. He has also served on the Board of Trustees of the American Red Cross in Greater New York and is a member of several clubs including the Union League Club of New York, the Salmagundi Club, Monmouth Boat Club, and the Economic Club of New York.

Dave Hogan is a Financial Consultant currently working at Fidelity. He partners with clients to create personalized financial plans and provides ongoing education to help them make informed decisions about their financial goals. He focuses on understanding his clients' needs to develop customized approaches. He has held several roles in the financial services industry, including Financial Consultant at Fidelity since 2025, Investment Consultant at Fidelity Investments from 2022 to 2025, Financial Consultant at MassMutual from 2021 to 2022, Financial Planner at Northeast Private Client Group from 2020 to 2021, Relationship Banker at Bank of America in 2020, and Financial Consultant at Equitable Advisors from 2019 to 2020.

Peter Richardson is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he served on the Perth Amboy Board of Education for nine years and has held other community roles related to local education and sports organizations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and maintains a large nationwide network of financial advisors and branch offices.

Jennifer Engelhardt is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 66 credentials and 21 years of industry experience. She has been with Wells Fargo Advisors and its affiliated entities since 2011. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services that include cash-flow, retirement, education, risk, and wealth-transfer planning, along with specialized services such as business-owner transition and special-needs analysis. The firm uses its own research and planning tools to develop tailored recommendations, which clients may implement through various brokerage or advisory programs.

Daniel Knipe is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2015, following prior roles at Barclays Capital Inc. and Lehman Brothers. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and market outcome modeling in its financial planning process.

Ronnie Guidone is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. He has been working in the financial services industry since 2004, providing clients with comprehensive wealth management strategies tailored to their individual needs. Ronnie emphasizes a client-centered approach, focusing on listening and facilitating informed decision-making to help clients achieve their financial and legacy goals. With over 15 years of experience, Ronnie specializes in areas including family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ronnie earned a Bachelor's Degree from Monmouth University and is a member of the American Football Coaches Association. Residing in Millstone Township, NJ, Ronnie lives with his wife, Lisa, and son, Giovanni. Outside of work, he enjoys baseball, boxing, football, and yoga. His professional philosophy centers on understanding clients’ values and goals through personalized communication to deliver tailored financial strategies.

Jeffrey Ternyila is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith, Inc. for 15 years. 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, high-net-worth clients, and various institutional investors.

Louis Obsuth is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has been with Fidelity since 2010, progressing through roles including Financial Consultant, Investment Representative, and Financial Representative. Louis focuses on developing financial plans that aim to benefit his clients and their families both now and in the future. Throughout his career at Fidelity, Louis has built strong relationships with his clients and is committed to partnering with them to achieve their financial goals. His professional experience is centered on financial consulting and investment representation. Outside of his professional work, Louis has personal interests that include beach activities, family activities, parenthood, soccer, and volunteering.

Cesare Cagnina is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2005 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he holds an outside health insurance appointment with Emerson Rogers. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored through a client intake process.

Harry Padden IV is a financial advisor at UBS Financial Services with the Series 66 designation and less than one year of industry experience. His prior roles include work at Appenzeller Training Systems and teaching positions at Monmouth University and AP Schalick High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Kevin Mccartney is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 designations and has 25 years of industry experience. His career includes roles at MassMutual Life Insurance Co and MSI Financial Services, Inc. since 2005. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers various programs including wrap and money-manager services, and educational seminars.

Danielle Libraty is a financial advisor at UBS Financial Services with three years of industry experience. She holds a Series 66 designation and previously worked at Medical Billing Associates before joining UBS. 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 utilizes proprietary research to tailor investment plans to clients’ goals and risk tolerances.

Peter Getschmann is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA, since 2007. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.