Robert Hellwig is a financial advisor with Mass Mutual Investors Services in Fairfield, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and MetLife Securities since 2009. Hellwig serves as a board member of the Unitas Caritas Foundation, a nonprofit supporting his alma mater, Immaculata High School. Mass Mutual Investors Services is 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 offers collaborative planning engagements supported by firm-approved analytical tools and various event-driven planning services.

Daniel Scheine is a financial advisor at Wells Fargo Advisors with Series 63 and Series 65 credentials. He has been with Wells Fargo Advisors since 2025 and has prior experience in real estate and financial planning roles at several firms, as well as teaching positions at the University of Delaware. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, delivering tailored recommendations through meetings and written summaries.

Sebastian Ardaix is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, MongoDB, Navatar, Onna, BetterCloud, and Strategic Consulting LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

Nicholas Azzopardi is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to develop personalized wealth management strategies tailored to their unique goals and priorities. Nicholas employs a relationship-driven approach to help clients navigate important financial decisions with clarity and confidence, focusing on long-term financial success. He earned his bachelor's degree from Wagner College, where he was a Division I lacrosse student-athlete, and later obtained his Master of Business Administration (MBA) from the same institution. Nicholas holds the Professional Investment Advisor (PIA) designation. A lifelong resident of Wayne, New Jersey, Nicholas values building lasting relationships within his community and is dedicated to providing personalized guidance and thoughtful strategies that help clients manage financial complexity and stay focused on their most important goals.

Joseph Maglaque is a Series 66 credentialed financial advisor at Stifel with 18 years of industry experience. He has worked at Stifel and its predecessor firm, Stifel Nicolaus & Co Inc, since 2012. Stifel serves a wide range of clients including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Donald Ruggieri is a financial advisor with Wells Fargo Clearing in Florham Park, NJ, holding a Series 63 license and over 51 years of industry experience. He previously worked at Prudential Equity Group, LLC, and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as an executor for his mother's estate. 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 utilizes research from Wells Fargo Investment Institute along with third-party data to inform its investment strategies.

Michele Cestone is a financial advisor at RBC Capital Markets with a Series 66 credential. Michele has recently entered the industry, having worked previously at Morgan Stanley and spent several years as a student. Outside of finance, Michele works as a caddie at Hamilton Farm Golf Club, providing on-course advice and customer service to golfers. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

William Ryan is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and over 33 years of industry experience. His career includes roles at Merrill, Morgan Stanley Wealth Management, Morgan Stanley Private Bank, and JPMorgan Chase Bank, N.A. Outside of his advisory work, he is involved in real estate ownership as a partner in multiple properties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process incorporates both quantitative and qualitative research to develop model allocations, with capabilities that include derivative and commodities expertise.

Scott Hosier is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since January 2001 and has held various leadership roles, including management positions in the Wayne office since 2007 and serving as Resident Director in the Upper Montclair office in 2011. In his current capacity, Scott focuses on helping clients navigate significant financial decisions by providing personalized strategies tailored to their priorities and goals. His areas of expertise include family wealth management strategies, managing new wealth, portfolio management services, and retirement income. Scott graduated with a Bachelor's degree from Wheaton College in 1993. He earned his Chartered Retirement Planning Counselor℠ (CRPC®) designation in August 2006 and holds several other professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Scott has also conducted seminars on topics such as estate planning services, retirement plan assets, and college 529 planning throughout northern New Jersey. Residing in Midland Park, New Jersey, Scott lives with his wife, Mary, and their four children: Jacob, Jillian, Karalyn, and Caleb. He has been actively involved in his community, serving as Chairman of the Board at Young Life Bergen County for over two years and coaching many of his children's sports teams. In his personal time, Scott enjoys music, photography, traveling, listening to podcasts, and spending time with his family.

Emily Pistone is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and one year of industry experience. Her prior roles include positions at UBS Financial Services, Signature Bank, JPMorgan Chase, and TD Bank. 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, including discretionary and non-discretionary retirement plan services supported by research from the Wells Fargo Investment Institute.

Kathryn Mantell is a financial advisor at Cetera with 24 years of industry experience. She holds a Series 66 designation and has previously worked with Avantax and 1ST Global Advisors. Outside of her advisory role, Mantell serves on the executive board and as treasurer for local Boy Scouts of America councils and is treasurer of the Randolph Area Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered adviser offering a multi-manager platform to individuals, retirement plans, corporations, and institutional clients. The firm provides a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Douglas Collins is a financial advisor with Cetera, holding a Series 66 designation and 18 years of industry experience. Before joining Cetera in 2025, he worked for Avantax and 1st Global Advisors, and he has been a partner at Nisivoccia & Company, LLP since 2000. Collins serves on multiple boards, including the Deacon Family Foundation and The House of the Good Shepherd, and is an advisory board member for Lakeland Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base that includes individual investors, retirement plans, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create customized strategies, with over $256 billion in assets under management and a network of more than 10,000 advisors.

Clifford Virgin III is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding a Series 63 designation and over 38 years of industry experience. His career includes positions at UBS Financial Services and City National Bank. He serves as treasurer for Friends of Montclair NJ Baseball and is a board member of The 100 Club of Montclair New Jersey, an organization supporting families of fallen public safety personnel. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering customized advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm utilizes a mix of in-house and third-party investment managers and provides integrated capital markets capabilities.

Mark Dzamba is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise since 2007 in various capacities. His other business activities include fiduciary services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Evan Pulliam is a financial advisor at Fidelity with five years of industry experience. He holds the Series 66 designation and has worked previously at Equitable Advisors and Serino Coyne (Omnicom Group). Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its role in managing registered investment companies and its integration of advanced technologies such as AI in its research.

Ottilia Stura is a financial advisor with Mass Mutual Investors Services and holds Series 65 and Series 66 licenses. She has 24 years of industry experience, including previous roles at Raymond James Financial Services and Lakeland Financial Services. In addition to her advisory work, she is also a licensed insurance agent specializing in individual life/health and property/casualty products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes annual, collaborative planning engagements supported by firm-approved analytical tools and provides event-driven planning services such as divorce and estate settlement.

Michael Tomko is a financial advisor at Equitable Advisors with 10 years of industry experience. He holds Series 63 and Series 66 designations. Before joining Equitable Advisors in 2021, he worked at National Securities Corp from 2014 to 2020. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm uses a range of advisory models and third-party asset managers to deliver tailored investment solutions.

Scott Hunter is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with high net worth individuals and families, offering long-term partnership to help steward wealth, navigate complex financial situations, and support client priorities over time. His approach focuses on building enduring relationships, applying comprehensive strategies that consider markets, risk, taxes, legacy, and family dynamics. Scott's role encompasses financial and cash flow strategy creation, portfolio construction and management, and guiding clients through significant financial decisions. Scott began his financial advisory career in 2001 after graduating from Rutgers University. He has worked at firms including Tucker Anthony and UBS prior to joining Merrill Lynch in 2008. He holds several professional designations including Certified Private Wealth Advisor (CPWA®), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also registered for Series 7 and 66 and holds a life insurance license. Outside his professional work, Scott lives in Morris County, New Jersey, with his wife and three children. He enjoys coaching youth sports, cooking, and volunteers as a CrossFit® Level 1 coach. He is involved in his local community through volunteer leadership and staff roles for Habitat for Humanity and the Park Youth Lacrosse Program.

Keith Schoch is a financial advisor with Equitable Advisors in Morristown, NJ. He holds Series 65 and Series 66 licenses and has 20 years of industry experience, including 15 years with Axa Advisors, LLC. Schoch has been with Equitable Advisors since 2005. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Robert Haderer is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career with Merrill in 1994 and specializes in wealth management and individualized portfolio development. As a Portfolio Manager, he manages his own Personalized or Defined Strategies on a discretionary basis, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. His client focus encompasses family wealth management strategies, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. He holds a Bachelor's Degree in Commerce and Finance from Villanova University School of Business and is designated as a Personal Investment Advisor (PIA). His approach to managing wealth is centered on understanding each client's complete financial picture to develop flexible and personalized financial strategies that align with their long-term goals. In addition to his professional responsibilities, Robert participates in community service by volunteering with local organizations, reflecting the Merrill tradition of community involvement.