Tiziana Maganuco - Van Peenen is a Financial Consultant at Fidelity Investments, a role she has held since 2023. She has been with Fidelity since 2013, previously serving as a Planning Consultant from 2021 to 2023, Relationship Manager from 2014 to 2021, and Financial Representative from 2013 to 2014. Prior to joining Fidelity, Tiziana held various positions at TD Bank from 2007 to 2013, including Assistant Store Manager and Financial Services Representative. With 18 years of experience in the financial industry, Tiziana focuses on goal-based planning to help clients navigate life transitions and prepare financially for the future. She utilizes the resources available at Fidelity to support clients in building trust and confidence as they work toward their financial objectives. Outside of her professional work, Tiziana enjoys skiing and traveling.

Parker Gundeck is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2004. He leads a team focused on providing personalized strategies for families and individuals, specializing in risk and portfolio management, estate planning, tax-efficient strategies, and wealth structuring. Parker holds a Bachelor's Degree from Pennsylvania State University and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise spans areas such as college education planning, family wealth management, legacy planning, LGBT wealth planning, personal retirement planning, portfolio management, socially responsible investing, and retirement income. He resides in Wyckoff, New Jersey, with his wife Kathleen and their three children. Outside of work, Parker enjoys adventure sports, camping, football, skiing, swimming, and traveling.

Gary Rosen is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 31 years of industry experience. He previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining Raymond James in 2018. Outside of his advisory role, he is the owner of RosenKramer LLC, a business entity established for liability protection related to his branch office lease. 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, offering financial planning and advisory services that emphasize tailored, non-discretionary consulting based on comprehensive analyses.

Sandra Zyskowski is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for 11 years before joining Merrill in 2024. Outside of her advisory role, she is a silent partner in Northeast Distribution Services LLC, a company focused on automotive vehicle and technology consulting. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Victor Maccagnan is a financial advisor with Mass Mutual Investors Services holding CFP® and ChFC® designations and over 23 years of industry experience. His prior roles include positions at Equitable Advisors, AXA Advisors, and Summit financial firms. In addition to his advisory work, he is licensed as an insurance broker, providing life, disability, property and casualty, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services operates as 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, delivering collaborative, software-supported planning engagements with optional implementation through brokerage or insurance products.

Jack Hallak is a financial advisor with LPL Enterprise holding Series 63 and Series 66 credentials and 18 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Morgan Stanley, and Bank of America. He is also involved in non-variable insurance activities through Prudential. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, with a platform that integrates adviser programs alongside insurance products and lending services.

Raymond Buhrmeister is a financial advisor at LPL Enterprise with one year of industry experience. He holds a Series 66 designation and has prior experience managing Clark's Botanicals L.L.C. since 2022. LPL Enterprise serves a wide range of clients, including individuals, high-net-worth clients, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, utilizing an integrated platform that combines advisory programs with brokerage and insurance products.

Russell Grimm is a financial advisor with Edward Jones in Wyckoff, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Edward Jones since 2006. Grimm serves on the board of trustees for SCARC Guardianship Services and acts as treasurer for CARC Guardianship Services, both organizations providing guardianship support for individuals with developmental disabilities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of financial advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Paul Stramberg is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Cetera since 2007 and operates Paul Stramburg CPA LLC, a tax preparation business established in 1981. Additionally, he sells health insurance and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm that supports over 10,000 advisors and serves a diverse client base including individuals, retirement plans, corporations, charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through various program structures and manager options.

Elizabeth Deane is a Series 66-credentialed financial advisor with UBS Financial Services in Paramus, NJ. She has 27 years of industry experience, including 20 years with UBS since 2006. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services such as fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations through a large network of advisors and offers institutional trading capabilities alongside wealth management services.

Jorge Ciprian is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Ameriprise since 2018. He has prior experience at Fidelity Investments where he worked for eight years. Outside of his advisor role, he is involved with CMA 92, LLC, managing advisory services and client support. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement income planning and ongoing advice focused on tax-aware withdrawal strategies and dependable income sources.

Karl Kreshpane Jr. is a Certified Financial Planner™ (CFP®) with 10 years of industry experience. He has worked at UBS Financial Services since 2020 and previously at Morgan Stanley Smith Barney LLC from 2015 to 2019. He is based in Paramus, NJ and holds a Series 66 license. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets functions.

Meen Rhu is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. He has worked at Equitable Advisors since 1999 and was previously associated with AXA Advisors, LLC. His other business activities include various insurance-related roles. 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 asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to deliver tailored financial solutions.

Tiffany Ramos is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several notable firms, including Bank of America, Merrill, NYLIFE Securities, and HSBC Bank USA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets.

Charles Maushardt Jr. is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2019. Prior to that, he spent more than two decades at Foresters Financial Services and Foresters Advisory Services. He is also involved with Watersedge Wealth Management, a business affiliated with Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform that allows advisors to use affiliated and third-party managers or develop customized strategies.

Frank Daguanno is a financial advisor at OSAIC with 33 years of industry experience. He holds a Series 63 designation and has worked with firms including Securities America Advisors, Everbank, and his own LLC. Outside of his advisory role, he serves as an executor for estates and operates a tax preparation business. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, corporations, and nonprofit organizations, offering integrated brokerage and advisory services. The firm employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Robert Mathias is a CFP® with 34 years of experience in financial advising. He has worked with Cetera and its affiliates since 2019 and held prior roles at Summit Financial Group Inc. from 2005 to 2021. Mathias is also an insurance agent with Concepts in Planning. He works with Cetera Investment Advisers LLC, an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform supporting various program structures and investment strategies.

Michael Vecchione is a financial advisor with Ameriprise in Westwood, NJ, holding a Series 66 designation and 25 years of industry experience. He has worked with Ameriprise and its predecessor, American Express Financial Advisors, since 2001. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Daniel Levitt is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Foresters Financial and Guarantee Life Trust. He has been with Cetera since 2019. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a multi-manager platform with various portfolio management options including model portfolios, third-party managers, and bespoke strategies.

Daniel Murray is a CFP®-certified financial advisor with Edward Jones, based in Pompton Lakes, NJ. He has 16 years of industry experience, including 13 years with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.