Louis Natale is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Caruso Smith Picini, P.C., MetLife Securities, and MassMutual Life Insurance Company. He is also active as a licensed insurance agent, engaged in outside sales of life, long-term care, disability, group health, and property and casualty insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning without discretionary investment authority.

Dionne Archer is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Joseph Depaola is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has nine years of industry experience. His career includes roles at Cetera Wealth Services, Securities America Advisors, and Penn Mutual Life Insurance Co. He is also an insurance agent involved in fixed insurance sales and service. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse investment management options through a multi-manager platform, providing access to discretionary and non-discretionary portfolio management, financial planning, and third-party money managers.

Gregory Libby is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following 11 years at Citigroup Global Markets. Outside of his advisory role, he is the owner and president of a village boat club in Tuxedo Park, NY. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services that encompass broad investment and planning strategies.

Daniel Rodgers is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career includes roles at Prudential Insurance Company of America, Pruco Securities, Mass Mutual Investors Services, Metlife Securities, Merrill, and OSAIC. Outside of advisory services, he is involved in selling home and auto insurance related to his work at Prudential. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and institutional clients. The firm uses a model-driven investment approach with access to third-party asset managers, financial planning, and a range of affiliated services including trust and insurance products.

Preston Weaver is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds the Series 66 designation and has prior work experience that includes roles at Globus Medical and the University of Virginia Health System. His professional background spans both financial services and healthcare sectors. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers a range of services such as financial planning, investment management, and retirement plan advisory, delivered through a network of independent Financial Professionals using both proprietary and third-party strategies.

Loveleen Engineer is a financial advisor at LPL Enterprise with 11 years of industry experience. They hold Series 63 and Series 66 designations and have previously worked at Wells Fargo Clearing, JP Morgan Securities LLC, and HSBC Securities among other firms. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers services such as financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Scott Gasparini is a financial advisor at OSAIC with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services Inc. and U.S. Trust Company / Bank of America. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios, supporting both discretionary and non-discretionary account management.

Jason Sperber is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 19 years of industry experience. His prior roles include positions at City National Bank and RBC Capital Markets. Outside of his advisory work, he is involved in the resale of timepieces through a business he owns with his spouse. 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 employs research and analytics to guide investment decisions and offers brokerage and advisory solutions across a broad client base.

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.

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.

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.

Anthony Vignier is a CFP® with 18 years of industry experience, currently serving as a financial advisor at LPL Financial. His prior roles include positions at Cadaret, Grant & Co., National Asset Management, National Securities Corporation, Merrill, and Northwestern Mutual Investment Management. In addition to his advisory work, he operates a law office providing legal services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm provides financial planning, model portfolios, third-party asset management, and institutional platforms, combining extensive service offerings with significant operational scale.

Thomas Weber is a CFP® with 30 years of industry experience. He is currently with LPL Financial since 2024 and has held prior roles at Commonwealth Financial Network and WS Griffith Securities, Inc. He is also associated with APT Asset Management, LLC, where he has worked since 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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.

Michael Ragg is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Equitable Advisors and AXA Advisors. Outside of his advisory role, he engages in selling items acquired on clearance and handles related logistics in his free time. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of investment vehicles and model portfolios.

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.