Nicholas Bernhardt is a financial advisor at Align Advisor Group, LLC with 10 years of industry experience. He previously worked at LPL Financial for 13 years and has been involved in real estate sales since 2009. Bernhardt holds Series 63 and Series 65 licenses. Align Advisor Group serves individual and high-net-worth clients, retirement plans, charities, and businesses by providing financial planning, consulting, and discretionary investment management. The firm’s investment approach combines passive and active strategies guided by fundamental analysis and modern portfolio theory, offering services through various platforms including its own wrap fee program and subscription-based financial planning.

Ryan Lomangino is a financial advisor with Align Advisor Group, LLC, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at LPL Financial, LLC, Tough Turf LLC, Stockton University, and Atlantic Christian School. Align Advisor Group serves individual and high-net-worth clients, retirement plans, charities, and businesses by providing financial planning, consulting, and discretionary investment management. The firm emphasizes asset allocation with a combination of passive and active strategies and offers services including wrap fee programs and subscription-based financial planning.

Ronald Holmes is a financial advisor with Calton & Associates, Inc. in Vineland, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Calton & Associates since 2004 and has also been involved with BTS Asset Management, Holmes Financial Services, REM Group, and Amway Corporation throughout his career. Outside of advisory work, he is a soccer referee and participates in tax planning and mortgage consulting through a separate business. Calton & Associates serves individual investors, retirement plans, trusts, and estates by providing portfolio management, fee-based financial planning, retirement plan consulting, and access to third-party money managers. The firm offers both advisory and brokerage services, tailoring investment recommendations based on client goals and risk tolerance, and operates multiple program structures including firm-managed wrap programs and separate account platforms.

Jerry Everwine is a financial advisor with Calton & Associates, Inc. in Vineland, NJ, holding a Series 66 designation and 53 years of industry experience. He has been with Calton & Associates since 2004 and has worked as a self-employed advisor since 1989. Outside of advisory activities, he is involved in income tax preparation and owns an insurance services business specializing in life, health, and long-term care insurance. Calton & Associates serves individual investors, retirement plans, trusts, estates, and other retail clients with portfolio management, financial planning, retirement consulting, and access to third-party money managers. The firm offers tailored investment recommendations through multiple program structures, including firm-managed wrap programs and separate accounts, using various analytic strategies.

Ian Klinger is a financial advisor with Independent Advisor Alliance, LLC, holding a Series 66 designation and eight years of industry experience. His career includes roles at LPL Financial, Ameriprise, Guardian Life Insurance Company, Park Avenue Securities, and PwC. Outside of his advisory work, he is involved with tax preparation and accounting services through IPP Tax & Accounting Services, LLC and Liberty Point Accounting & Tax Services. Independent Advisor Alliance serves a diverse client base, including high-net-worth individuals, small businesses, charitable organizations, and retirement plans. The firm offers asset management, financial planning, and retirement plan consulting, utilizing a combination of discretionary and non-discretionary portfolio management strategies and leveraging technology platforms to support comprehensive wealth management.

Erin Mendez is a CFP® professional affiliated with Independent Advisor Alliance, LLC and LPL Financial, with 20 years of experience in the financial services industry. She previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of advising, she serves as an assistant at T&F Camera Shop. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans, providing asset management, financial planning, and retirement consulting. The firm utilizes both discretionary and non-discretionary management, employs various investment strategies, and integrates technology platforms for asset aggregation and estate planning.

Marc Eisen is a financial advisor with PNC Wealth Management in Vineland, NJ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His prior roles include positions at PNC Investments, Bank of America, Merrill, Axcel Capital Group, and Philadelphia Investors. Outside of finance, he has been involved in assistant therapy staffing with National Charter School Services. PNC Wealth Management provides retail brokerage and advisory services, including a model‑based digital investment program available by invitation to employees with online banking credentials. The firm employs algorithm-driven portfolio strategies managed or approved by PNC and third-party strategists, utilizing mutual funds and ETFs with annual rebalancing.

Daniel Peretti Jr. is a financial advisor at Lincoln Investment with eight years of industry experience. He holds the Series 66 designation and has worked at Lincoln Investment and Allen & Associates since 2017, following three years at CRF Advisors, Inc. Peretti serves on the Board of Commissioners for the Vineland Housing Authority, a nonprofit organization. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and retirement plan services, managing portfolios through both strategic and dynamic approaches supported by an Investment Management & Research team.

Ralph Wendell is a financial advisor with GWN Securities Inc. in Bridgeton, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with GWN Securities since 2004 and also owns Wendell Financial Services and Ralph S. Wendell Insurance, where he has been involved in life insurance, disability insurance, and annuity sales since 1982. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios. The firm manages approximately $3.65 billion across more than 37,000 accounts and offers a range of managed-account programs, including both traditional asset-allocation and legacy market-timing strategies.

Patrick Mcgrory is a CFP® with 26 years of industry experience, currently serving as an advisor with Independent Advisor Alliance, LLC since 2022. Prior to this, he worked at Ameriprise Financial Services, Inc. for 17 years and is also affiliated with LPL Financial. Outside of his advisory role, he owns and operates tax preparation and accounting services. Independent Advisor Alliance serves a diverse clientele including individuals, small businesses, charitable organizations, and retirement plans. The firm offers asset management, financial planning, retirement plan consulting, and coordinates discretionary and non-discretionary portfolio management using various analytical strategies and technology platforms.

Brian Collini is a financial advisor at Cetera with 21 years of industry experience and holds a Series 66 designation. His prior experience includes work at Securities America, Wealth Capital Group, and Securities Service Network, among others. Outside of advisory roles, he has been involved in real estate through entities such as Collini Real Estate, LLC and NSC Property Investments, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with various program options and over $256 billion in assets under management.

Dominic Romano is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and having 10 years of industry experience. He previously worked at Cantella & Co., Inc. for eight years before joining Cambridge in 2022. Outside of his advisory role, he is involved in tax preparation through Romano Tax and Business Consultants LLC and owns Romano Buonadonna Financial Services LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a range of portfolio management and model-based strategies tailored to client needs.

Martha Toledo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s approach includes a broad range of financial product options, including insurance-related vehicles and bank deposit sweep programs.

Douglas Kramer is a CFP® with six years of industry experience, currently serving as a financial advisor at Cetera. His prior roles include positions at Vanguard Advisers and Commonwealth Financial Network. Outside of advising, he has experience running a farming business, Blueberry Bill Farms LLC. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through multiple program structures and a range of third-party and affiliated managers.

Anthony Romano is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 66 credentials. He has 33 years of industry experience and previously worked at Cantella & Co., Inc. for over a decade. Romano is involved in nonprofit governance as a secretary and board member of Suraj Eye, a New Jersey nonprofit organization. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Joseph Gaunt is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing since 2018, following brief positions at Newfield National Bank. Wells Fargo Clearing provides retirement plan consulting for 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 a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Lauren Cosgrove is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. She has been with Bank of America and Merrill since 2011. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

Brett Buonadonna is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and over 30 years of industry experience. His prior roles include more than a decade at Cantella & Co., Inc. and ongoing involvement with Romano & Buonadonna Financial Services, LLC. He also serves as an independent insurance agent and is a board member of CEO Group in Vineland, NJ. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, with investment options across various platforms and models tailored to client objectives.

Stanley Hadam is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment management options. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Glen Stewart is a Series 66-registered financial advisor with Thrivent Investment Management, based in Woodbine, NJ, with three years of industry experience. Prior to his current role, he spent 24 years working for the Upper Township School District. Outside of finance, he contributes creative content by licensing images through Shutterstock. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing holistic, goal-based financial plans without discretionary trading authority, and enables clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Carol Sumoski is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. She has 12 years of industry experience and previously worked at Edward Jones and Cantella & Co., Inc. Sumoski serves as a board member of the Shiloh Zoning Board in New Jersey. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through financial planning, investment management, and retirement advisory services. The firm offers a range of portfolio management strategies via multiple custody platforms and supports both discretionary and non-discretionary approaches tailored to client objectives.

Cynthia Theis is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has previously worked at JP Morgan Chase Bank NA and JP Morgan Securities LLC before joining Wells Fargo Clearing Services LLC and later Wells Fargo Advisors Financial Network. Outside of her advisory role, she serves as power of attorney for her spouse in investment-related matters. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu, including specialized services such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored client recommendations.

John Kaighn Jr. is a financial advisor with OSAIC, holding a Series 63 designation and over 32 years of industry experience. He has worked with Royal Alliance Associates since 2018 and previously with Signator Investors and Jersey Benefits Advisors, where he also serves as President. He is Treasurer of Jersey Benefits Group, Inc., an insurance agency. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services with access to multiple platforms, third-party money managers, and a range of investment products. The firm utilizes asset-allocation tools and automated rebalancing to construct portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Stuart Cohen is a CFP®-certified financial advisor with Ameriprise in Vineland, NJ, and has 31 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of advising, he rents office space from his wife, who is also a client. Ameriprise provides retirement-income planning services targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to develop tailored, written recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Maneck Shroff is a financial advisor at Fidelity with eight years of industry experience and holds a Series 66 designation. His prior experience includes roles at Bank of America, Merrill, and American Income Life Insurance Company. Outside of finance, he worked part-time at Hand & Stone Spa as a front desk receptionist and sales clerk. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients through a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering services such as discretionary portfolio management and fund advisory.

Richard Demaria Jr. is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Securities America and Securities Service Network, Inc. Since 2001, he has owned Wealth Capital Group and 401K Planners, which focus on financial services and company retirement plans. He also works as an insurance agent selling life insurance, annuities, and long-term care products. Cetera Investment Advisers LLC is a national SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm provides discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers through a multi-manager platform combining affiliated and unaffiliated strategies.

Craig Stern is a financial advisor with Wells Fargo Clearing in Vineland, NJ, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Stern is involved as a board member of a condominium association in Florida and has ownership interests in an LLC unrelated to investments. 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 offers both brokerage and advisory solutions and utilizes research from Wells Fargo Investment Institute alongside third-party data to guide its investment approach.

Timothy Gardner is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005 and with Cambridge Investment Research, Inc. since 2002. Outside of his advisory role, he volunteers as a tutor and has spoken on financial and behavioral health topics. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing proprietary models and third-party strategies across various platform arrangements.

John Fitzgerald is a Series 66-licensed financial advisor with 20 years of industry experience. He currently works at Cetera and has prior experience with Morgan Stanley and Commonwealth Financial Network. He is also the president and owner of Fitzgerald Financial Group, a private entity managing securities and investment advisory business. In addition, he holds a commission as a Notary Public and provides related witness and document services. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services through a nationwide network of over 10,000 advisors.

Donald Daigle is a financial advisor with Charles Schwab who holds Series 63 and Series 65 credentials and has 33 years of industry experience. Prior to joining Schwab in 2021, he worked at IC Advisory Services, Inc. and The Investment Center. He serves as an alternate board member on the Cumberland County New Jersey Planning Board. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

Cole Powers is a financial advisor with Charles Schwab, holding a Series 66 designation and one year of industry experience. Prior to joining Schwab, he worked at Crossroad Trailers and has experience in full-time education and retail. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm’s investment guidance combines multi-asset model portfolios, discretionary separately managed accounts, and alternative investments with centralized supervisory and custody arrangements.

Evan Herring is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. He has been involved in educational activities since 1990. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Desmond Perry is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley for 10 years. Perry is based in Vineland, NJ, and has been with Wells Fargo Advisors Financial Network since 2026. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and fee-based financial planning services, including specialized planning areas such as business-owner transition and special-needs analysis.

Donald Robbins is a CFP® with over 31 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a power of attorney for his spouse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.