James Dy is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and 29 years of industry experience. His work history includes roles at LPL Financial and Osaic FA, Inc. He operates a DBA, Main Street Wealth Management, and is involved in selling life, health, disability, and long-term care insurance. Outside of his advisory work, he is connected to Lamington Capital Partners, LLC, a business entity used for tax and investment purposes. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model that uses proprietary and third-party platforms to implement various investment strategies, including both managed account solutions and held-away asset management.

Bryan Kossove is a financial advisor with Osaic Institutions, Inc., holding Series 63 and Series 65 credentials and 30 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Royal Alliance, and LPL Financial. He is also the owner of BHK Tax Services, a tax preparation business. Osaic Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary accounts.

David Chan is a financial advisor at Citigroup Global Markets with 29 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Citigroup since 2017. Prior to that, he was with Santander Securities LLC and Santander Bank NA from 2015 to 2017. Citigroup Global Markets serves both individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with specialized market roles and arrangements.

Lori Koval is a financial advisor at Oppenheimer with 32 years of industry experience. She has held her position at Oppenheimer since 2003 and previously worked at CIBC World Markets Corp. from 2002 to 2003. She holds Series 63 and Series 65 designations. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, retirement plans, charitable organizations, and pooled investment vehicles. The firm offers a broad range of programs with discretionary and non-discretionary investment services across equity, balanced, and fixed-income portfolios, and it maintains custody of client assets as a qualified custodian.

David Heitner is a financial advisor with Independent Financial Group, LLC and holds Series 63, 65, and 66 licenses. He has 12 years of industry experience and has worked at several firms including Securities America Advisors and LPL Financial. Outside of financial services, he is the owner of Heits Building Services, Inc., a commercial cleaning business established in 2003. Independent Financial Group, LLC serves a wide range of clients including individuals, high-net-worth clients, trusts, and corporate and pension plans. The firm offers financial planning and portfolio management through various platforms, utilizing a mix of active and passive investment strategies tailored to client risk profiles.

Amit Chopra is a CFP® with 19 years of industry experience, currently serving as an advisor at NewEdge Advisors since 2022. He is also the managing partner and owner of Forefront Wealth Planning & Asset Management, a private entity facilitating securities, advisory, and insurance business. His prior experience includes roles at Advisors Capital Management, Commonwealth Financial Network, and Bruderman Brothers. NewEdge Advisors is an enterprise-scale registered investment adviser that serves individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent investment adviser representatives. The firm offers a broad range of services including portfolio management, financial planning, retirement and pension consulting, and access to third-party advisory programs, utilizing multiple program structures and technology tools to support advisor and client needs.

Timothy Burklow Jr. is a CFP® and ChFC® with eight years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and previously worked at Burklow & Rotella and Ameriprise. Before entering the financial advisory field, he was employed at Rutgers University for four years. Steward Partners Investment Advisory, LLC is an enterprise-scale SEC-registered RIA managing approximately $36.7 billion in assets. The firm serves a diverse client base including individuals, pension plans, corporations, trusts, and charitable organizations, offering a range of portfolio management and financial planning services.

Gawain Mckenzie is a financial advisor at TD Private Client Wealth LLC with 22 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at J.P. Morgan Securities. He currently operates out of Ramsey, NJ. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm constructs portfolios through a combination of strategic and tactical asset allocation using both affiliated and third-party sub-managers.

David Alter is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. He has 43 years of industry experience and has worked at firms including Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory work, he is completing a graphic novel intended for adaptation into a major motion picture and serves as a trustee for multiple family trusts. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types.

Michael Flower is a CFP® with 30 years of experience in the financial industry. He is currently affiliated with Hightower Advisors and Hightower Securities LLC, where he has worked since 2018. Michael has prior experience at Securities America Advisors, Inc. and Securities America, Inc., spanning 14 years. Outside of his advisory work, he serves as a trustee at Packanack Community Church and is a member of the Economic Development Commission of Wayne Township. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, charitable organizations, and financial institutions. The firm’s advisory approach involves manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, with a range of investment vehicles and services tailored to client needs.

Arthur Grossbard is a financial advisor with OSAIC Institutions, Inc., holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior roles include five years at Ameriprise and 28 years at Royal Alliance Associates, Inc. He has been with OSAIC Institutions since 2025. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a notable non-discretionary asset base.

Ryan Kirschner is a financial advisor at PNC Wealth Management with 14 years of industry experience. He holds a Series 66 designation and previously worked at Prudential Insurance Company of America for nine years. Kirschner joined PNC Investments, LLC in 2025. PNC Wealth Management provides retail brokerage and advisory services through several model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessment and approved mutual fund and ETF strategies managed by PNC or third parties.

Matthew Hoehn is a financial advisor at Citigroup Global Markets with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including BlackRock, Goldman Sachs & Co., and Blackstone. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs, supported by in-house research and a wide range of advisory and execution services.

Pamela Nelson is a CFA® charterholder with 13 years of industry experience, currently serving at RBC Rochdale, LLC in New York, NY. She has worked with Rochdale Investment Management and Rim Securities LLC since 2012 and has been affiliated with City National Bank since 2005. RBC Rochdale serves a diverse client base including high net worth individuals, investment companies, corporations, and charitable organizations. The firm employs an active, multi-strategy investment approach combining quantitative and fundamental analysis, utilizing proprietary tools to tailor portfolios across a range of asset classes.

Samuel Angelo Jr. is a financial advisor at Cetera Planning Partners with 43 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. His work history includes long-term roles at Avantax, 1st Global Advisors, and Hunter Financial Services. He serves as a board member of Central Jersey Federal Credit Union. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by offering investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm’s investment process emphasizes diversified allocations tailored to client objectives and risk tolerance, supported by a broader Cetera network and additional services such as tax planning and estate strategies.

Michael Cherny is a financial advisor at Citizens Securities, Inc. in New York, NY, with 21 years of industry experience. He holds a Series 66 designation and previously worked for J.P. Morgan Securities for 12 years. Outside of his advisory role, he is a board member of the nonprofit organization Ice Hockey in Harlem. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s offerings include a digital advisory program based on ETF portfolios managed with proprietary algorithms and options for discretionary portfolio management.

Bradford Peck is a financial advisor at Mariner with 37 years of industry experience. He holds Series 65 and Series 63 licenses. His prior roles include positions at Taurus Asset Management, LLC and Western International Securities, Inc. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, and retirement plan consulting. The firm employs discretionary, customized portfolios supported by internal research and third-party managers, with capabilities spanning equities, fixed income, alternatives, and digital assets, alongside integrated tax and accounting services.

Joseph Russell is a Series 66-credentialed advisor at Cetera Planning Partners with 26 years of industry experience. He has held roles at multiple firms including Avantax and 1st Global Capital Corp., and he is also a director and investment adviser representative at Century Advisory Group, LLC. Additionally, Russell is a Certified Public Accountant and partner at O’Connor Davies LLP. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees. The firm offers investment management, comprehensive financial planning, and retirement-related advice, supported by ancillary services such as tax planning, bookkeeping, and estate planning through third-party providers.

Jeremy Raffer is a financial advisor with Steward Partners Investment Advisory, LLC, holding a Series 66 credential and 17 years of industry experience. He has worked at several firms including Raymond James Financial Services, Inc. and Wells Fargo Advisors. In addition to his advisory work, he is the author of a book titled *Financial Planning for Windows*. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in regulatory assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations, offering a range of investment advisory and financial planning services through both discretionary and non-discretionary portfolio management.

Robert Davis is a CFP® professional with 35 years of experience, currently serving as an investment advisor representative at Kestra Advisory since 2016. He also owns Wealth Preservation Solutions and has been associated with Krim Associates and Kestra Investment Services, LLC since 2008. Davis refers clients to Medicare BackOffice for healthcare needs related to Medicare but holds no formal role with that organization. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers fiduciary consulting, plan-level investment advice, employee education, and access to multiple management platforms, serving clients including large institutional investors such as sovereign wealth funds.