Toni Rottingen is a financial advisor at Fidelity with 20 years of industry experience. She previously worked at TIAA-CREF and Tiaa from 2010 to 2020. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a mix of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and offers services such as discretionary and non-discretionary advisory work and model portfolio delivery.

Pierre Johnson is a financial advisor at Edward Jones with 29 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward D. Jones & Co., L.P. since 1997. He serves as an advisory board member for the University of Texas Neighborhood Longhorns. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, supported by a nationwide network of over 23,000 advisors and 15,000 branch offices.

Eric Kerssen is a financial advisor at Cetera with 39 years of industry experience. He holds Series 63 and Series 66 designations and has been with Cetera and its affiliated entities since 2005. Outside of his advisory role, he is a part-time musician performing at senior living facilities and serves as Music Ministry Director at Hamburg Baptist Church. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party managers with various program options.

Susan Perry is a financial advisor with Cetera, holding a Series 63 designation and bringing 15 years of industry experience. She has worked at Cetera and its affiliate Cetera Wealth Services since 2013 and spent seven years with Baldino & Perry Associates, Inc. In addition to her advisory role, she provides debt counseling services to clients. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers across various program structures.

Kristen Marino is a financial advisor with UBS Financial Services in Paramus, NJ, holding a Series 66 designation and 13 years of industry experience. She has been with UBS Financial Services since 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides access to research and capital markets solutions.

Lisa Elkins is a financial advisor at Merrill with 14 years of industry experience. She holds the Series 66 designation and has worked with Bank of America and Merrill throughout her career. Outside of her advisory role, she is involved part-time in a modeling business called The Model Shop and owns a limited liability company that manages rental properties. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Mahoney is a financial advisor at Raymond James & Associates with three years of industry experience. He holds a Series 66 designation and previously worked at Flight Centre Travel Group. Raymond James & Associates is a large 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 consulting services with various portfolio management styles and affiliated research options.

Steven Guarascio is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 37 years of industry experience. He has been with Cetera Wealth Services, LLC since 2013 and operates Guarascio Consultants, LLC, a registered investment advisory firm he founded in 2001. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, employer-sponsored retirement, corporate, charitable, and institutional clients nationwide. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, with a mix of discretionary and non-discretionary account management across numerous program structures.

Michael Tortora is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 66 credentials and over 32 years of industry experience. He has been with Merrill since 2009 and has a longstanding association with Bank of America dating back to 2004. Outside of his advisory role, he is involved as an owner and overseer of BFC Realty LLC, which focuses on buying and selling real estate. Merrill, along 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, and institutional investors.

Lawrence Rosen is a financial advisor with Ameriprise in Suffern, NY, holding Series 63 and Series 65 licenses and 21 years of industry experience. He has been with Ameriprise and its predecessor entity since 2010. Outside of his advisory role, he owns a consulting business, LJR Consulting. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing annual planning focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Peter Manke is a Series 66-licensed financial advisor with 16 years of industry experience. He has been with Thrivent Investment Management since 2009 and Thrivent Financial for Lutherans since 2010. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors. The firm offers holistic, goal-based financial planning on a one-time or ongoing basis, separate from its managed-account programs, and does not provide portfolio management for institutional clients.

Kevin Bishop is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial. Outside of his advisory role, he is involved in youth sports coaching as a volunteer with the Jersey Colts Ice Hockey Club, where he helps develop hockey players. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Jeffrey Astor is a financial advisor at Edward Jones with over 16 years of industry experience. He holds a Series 66 designation and has previously worked at Broad Financial and as president of Y Astor & Associates, where he is also a writer. He has been with Edward Jones since 2024. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and managing approximately $1.01 trillion in assets with a large nationwide network of advisors and branches.

Anthony Estrada is a CFP® professional with 10 years of industry experience. He has been with Edelman Financial Engines since 2025 and previously worked at Financial Engines Advisors L.L.C. and EF Legacy Securities, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven, proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with an emphasis on diversified model portfolios and long-term strategies.

Eamonn Gaffney is a financial advisor at Osaic with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors and AXA Advisors. Gaffney also operates a business offering fixed annuities, long-term care insurance, fixed indexed annuities, and traditional life insurance. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services using a range of tools and third-party offerings to construct and manage portfolios across various asset classes.

Robert Caralyus is a financial advisor at Cetera with two years of industry experience. He holds the Series 66 designation and has worked at Cetera and Cetera Investment Services LLC since 2023. Outside of his advisory role, he is also a notary. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to various program structures and custodial relationships.

Mary O'Brien is a Series 66 licensed financial advisor with Merrill in Paramus, NJ, with 17 years of industry experience. She has worked at Merrill since 2009 and concurrently at Bank of America N.A. since 2007. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Franzese is a financial advisor with LPL Financial in Ramsey, NJ, holding a Series 65 credential and one year of industry experience. He has also been associated with Franzese & Balian since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Carlos Flores is a financial advisor at Fidelity with five years of industry experience. He holds the Series 66 designation and has worked at Fidelity Brokerage Services LLC, Charles Schwab & Co., Inc, and TD Ameritrade. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages various fund advisory roles and model portfolios, incorporating systematic methodologies and oversight controls.

Ian Smolinski is a financial advisor at LPL Enterprise with one year of industry experience. He holds the Series 66 designation and previously worked at JPMorgan Chase & Co. and Prudential Insurance Co. Outside of his advisory role, he is involved in project management through E2 Project Management LLC. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to various managed portfolio programs. The firm’s integrated platform combines advisory services with brokerage and insurance product sales and includes participation in LPL’s collateralized lending program.