Bryan Zegar is a CFP® professional with six years of experience in the financial services industry. He is the principal advisor at Hearthstead Financial, LLC, where he has worked since 2025. Prior to this, he spent seven years at Ameriprise and AMERIPRISE FINANCIAL SERVICES, Inc. Outside of finance, he is involved with Allshapes Bonsai Nursery, where he assists with inventory management, customer support, and technology. Hearthstead Financial is a registered investment adviser that provides investment management and financial planning services to individuals, high-net-worth clients, and businesses. The firm employs a mixed-methods investment approach combining fundamental and charting analysis with mutual fund and ETF evaluation, focusing on both passive and active strategies implemented on a non-discretionary basis.

John Macmillan is the sole advisor at Macmillan Financial LLC in Annandale, NJ, holding Series 63 and Series 65 designations with 20 years of industry experience. He has worked at Macmillan Agencies since 2006. Macmillan Financial provides investment advisory and financial planning services to individuals and institutional clients, including pension plans, businesses, charities, and trusts. The firm follows a fundamental, research-driven approach that emphasizes long-term investing while allowing short-term trades when appropriate, managing client accounts with limited discretionary authority.

Douglas Robb Jr. is the sole advisor at ABC Wealth Inc, an independent investment advisory firm based in Long Valley, NJ. He holds the Series 63 and Series 65 credentials and has 31 years of industry experience. In addition to his advisory work, Robb operates an affiliated insurance practice as a licensed insurance agent. ABC Wealth Inc primarily serves individual clients, offering discretionary asset management and comprehensive financial planning. The firm sponsors a wrap fee program and commonly implements portfolios through sub-advisors and third-party money managers, providing financial planning at no additional cost and conducting regular reviews of client investments.

Robert Stickel is a CFP® with 29 years of industry experience, currently operating as the sole advisor at RLS Financial Services. His career includes roles at Avantax Advisory Services and Avantax Investment Services Inc, spanning over two decades, and he has also held a CPA designation since 1983. Outside of advisory work, he provides tax preparation, accounting, and insurance services through his business. RLS Financial Services offers financial planning and portfolio management primarily to individual and high-net-worth clients. The firm emphasizes fundamental analysis and employs both long- and short-term trading strategies, delivering advice mainly on a non-discretionary basis and managing a wrap-fee program, with investment recommendations that include mutual funds, fixed-income securities, insurance products, equities, ETFs, and non-U.S. securities.

Marjorie Rand is a CFP® professional with seven years of experience in financial advising. She is the sole advisor at Rand Financial Planning, LLC and also owns Marjorie L. Rand, CPA, P.C., an accounting and tax preparation firm. She has provided accounting services since 1989 and financial planning since 2018. Rand Financial Planning, LLC is a fee-only firm serving individuals and families with comprehensive financial planning, including tax, retirement, estate, insurance, and investment guidance. The firm operates as a small, single-advisor practice that emphasizes fixed annual planning engagements without asset-based fees and integrates tax considerations through its affiliation with a separate CPA practice.

Randolph Fisher is the managing member and chief compliance officer of Artemis Wealth Advisors with 19 years of industry experience. He previously worked at Regal Financial Group for 13 years and has been involved with Tucker Asset Management and Artemis Wealth Advisors since 2022. Outside of advisory services, Fisher conducts seasonal tax preparation from January to April. Artemis Wealth Advisors serves individual and high-net-worth clients by providing portfolio management, financial planning, and tax-related services. The firm employs multiple analytical methods in its investment process and integrates accounting and tax preparation services, a combination that is uncommon among independent solo advisors.

Stephen Corsano is the sole advisor at Freedom Money Management LLC in Belle Mead, NJ, holding Series 65 and Series 66 licenses with 12 years of industry experience. He has led Freedom Money Management since 2015. Freedom Money Management LLC provides personalized financial planning and investment management services to individuals, trusts, estates, and small businesses. The firm employs a long-term, fundamentals-based investment approach with strategic and tactical asset allocation, often managing client assets on a non-discretionary basis.

Desi Dimaio is a CFP® with 10 years of industry experience. He is currently with Dimaio Private Wealth, LLC and has previously worked at Alliance Wealth Management Group, LLC and Bleakley Financial Group, LLC. Dimaio Private Wealth, LLC provides discretionary wealth management and investment advisory services to individuals and high-net-worth clients, offering comprehensive financial planning and individualized portfolio management. The firm constructs portfolios primarily from model allocations using ETFs, individual equities, mutual funds, and bonds, with an emphasis on fundamental analysis and a long-term investment horizon.

Brent Chavez is a financial advisor at Aequitas Equitas Wealth Management LLC with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Motiv8 Investments LLC and Brokers International Financial Services. Outside of finance, he is a partial owner of Advanced Paint Repair Systems, an automotive refinishing business in Upper Black Eddy, PA. Aequitas Equitas Wealth Management provides discretionary portfolio management, investment consulting, financial planning, and retirement-plan consulting to individuals, institutions, and businesses. The firm’s investment approach focuses on building core equity portfolios designed to outperform over a three- to five-year market cycle, using fundamental analysis combined with valuation and technical reviews, and employs various asset classes and risk-management strategies tailored to client needs.

Matthew Sheridan is a CFA® charterholder and holds a Series 65 license with 13 years of industry experience. He has been with Vista Financial Services LLC since 2012. Outside of his advisory role, he is involved in Sheridan Communications, Inc., a company providing printing and shipping services where he manages pricing formulas to improve billing efficiency. Vista Financial Services offers discretionary portfolio management and advisory services to individual and high-net-worth clients, focusing on equities, bonds, fixed income, ETFs, and government securities. The firm employs a combination of fundamental, technical, and cyclical analysis with both long-term and short-term trading strategies, including higher-risk techniques such as short sales and options writing.

Mark Schultz is a financial advisor at Investment Capital Management, Inc. with 42 years of industry experience. He holds a Series 63 designation and has worked in various capacities since 1987, including roles at Almax Financial Solutions and founding Generations to Come, Inc., a business that provides mathematical computations for estimating future expenses such as retirement and college costs. He serves as owner and president of Generations to Come. Investment Capital Management, Inc. serves individuals and high-net-worth clients, managing approximately $6 million primarily through discretionary management of mutual funds and variable annuity subaccounts. The firm’s investment approach relies on trend analysis and technical tools to balance risk and returns, and it frequently begins client relationships with brokerage purchases before moving to advisory contracts.

Anthony Locascio is a CFP® with 43 years of experience in the financial services industry. He is the principal advisor at Investment Capital Advisors, an independent firm he has led since 2018. Prior to this, he worked at Kovack Advisors and Kovack Securities. Outside of advising, he is also an author of a children’s book and performs as a stand-up comedian. Investment Capital Advisors provides fee-based investment advisory and customized financial planning services to individuals, trusts, estates, and charitable organizations. The firm emphasizes strategic asset allocation using a variety of instruments and manages accounts primarily on a discretionary, longer-term basis.

Welcome! I'm Cynthia Meyer, CFA®, CFP®, ChFC®, a real estate investor, financial planner, and real estate business coach. I founded Real Life Planning to mentor a new generation of real estate investors. We help real estate investors take practical steps to build financial freedom, create multiple sources of income, and make working for someone else optional. At Real Life Planning, we speak both real estate and financial planning. Whether you're adding to your properties, contemplating a 1031 exchange, listing your place on Airbnb, getting started as a landlord, or looking to buy a home overseas, we'll help you create a realistic plan for your financial life goals. As you build your investment property portfolio, we will help you plan to optimize taxes and diversify risks, manage total cash flow, and prepare for new opportunities. Who we help: -Rental property investors looking for a comprehensive financial plan -Real estate investors planning for 1031 exchanges -Real estate investors who are scaling their property portfolios -Professionals considering a real estate side hustle -People with inherited rental property -Homeowners maximizing opportunities for income -Accredited Investors Evaluating DSTs, 721 Exchanges, and Syndications -Married couples building strong economic partnerships We're a Fee-Only fiduciary firm, so we work for you, not for Wall Street. That's why our fees are inclusive and transparent. My husband Steve and I have three young adult kids and live in central NJ, in the NYC metro area. We are both first-generation real estate investors with small multifamily properties, single-family homes, and a small apartment complex. We invest out of state and use a property manager. A financial advisor since 1997, I founded Real Life Planning and co-founded the Real Estate Financial Coach Course, Real Estate For Generations, and the You Unlimited coaching program. Real Life Planning works with clients virtually from anywhere and in-person in the NYC area. Interested in the real (estate) life? Book a discovery call today.

Empowering People Through Financial Planning At its core, financial planning is about helping people use their resources to get the most from their time. Our financial planning process is designed to help you clarify what's most important and ensure your money is best aligned to support that vision. Knowing our goal is the compass that guides your financial path, but no direction is favorable until we know where we’re going. We operate a virtual office, providing a wealth management experience that emphasizes convenience, effectiveness, and flexibility for our clients. We'll help you feel more connected with your money and confident in your financial position. Let True North help guide you on life’s journey.

Amit Singhal is a financial advisor at Mantrana Advisors with one year of industry experience. He holds a Series 65 designation and concurrently works full time in business and account management at BASF Corporation, a global chemical company. Mantrana Advisors provides financial planning services to individuals, high-net-worth clients, small businesses, and families caring for persons with special needs. The firm operates on a fee-only basis without managing client assets, offering investment recommendations as part of comprehensive plans using a combination of fundamental analysis and passive and active asset allocation strategies.

David Cooley is a financial advisor at Covered Bridge Financial LLC with 16 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to his current role, he worked as an independent insurance agent for 12 years. Covered Bridge Financial LLC provides discretionary investment management and financial planning services primarily to individuals, high-net-worth individuals, and trusts. The firm uses a combination of fundamental and technical analysis with a long-term focus and incorporates a variety of investment instruments, including low-cost mutual funds, ETFs, individual stocks and bonds, as well as more complex strategies when appropriate.

Thomas Margaritondo is a financial advisor at Meadowbrook Advisors with five years of industry experience. He holds a Series 66 designation and has worked previously at UBS Financial Services and RBC Capital Markets. He is also a licensed insurance agent, dedicating approximately 10% of his time to insurance sales and implementation of insurance recommendations. Meadowbrook Advisors provides discretionary wealth management, investment management, financial planning, and retirement-plan advisory services to individuals, trusts, estates, businesses, non-profit organizations, and retirement plans. The firm manages portfolios using a range of investment vehicles and employs fundamental analysis and Modern Portfolio Theory with a long-term orientation.

Victor Vuskalns is a financial advisor at Tango Capital Management, LLC, holding a Series 63 designation with 27 years of industry experience. He has been with both Auerbach, Pollak & Richardson Inc. and Tango Capital Management since 1999. Tango Capital Management provides discretionary, fee-only investment management to individual and high-net-worth clients, focusing on portfolio construction, monitoring, and rebalancing. The firm employs a variety of investment strategies including equities, fixed income, mutual funds, ETFs, and options, and operates with principal involvement in client accounts at a modest scale.

Robert Szigeti III is a financial advisor at SG Securities, LLC with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2019. Outside of his advisory role, he serves as an ice official for USA Hockey, officiating youth hockey games. SG Securities, LLC provides discretionary and non-discretionary portfolio management and financial planning primarily for individual and high-net-worth clients. The firm offers tailored investment strategies and conducts public educational seminars and workshops at no charge.

Nick Guida is a financial advisor at Guidance Wealth Advisors LLC with 12 years of industry experience. He holds a Series 65 designation and has worked at multiple firms, including A Better Way Financial, LLC and Retirement Wealth Advisors, Inc. Outside of advisory work, Guida is a published author, having written articles for outlets such as Forbes, Money.com, and Fortune.com, and he is involved in solar equipment acquisitions through Guidance Solar Advisors, LLC. Guidance Wealth Advisors LLC provides wealth management and ongoing portfolio management primarily to individual and high-net-worth clients, combining written financial plans with discretionary implementation. The firm typically co-advises with Independent Managers for day-to-day trading, offering tailored advice across a diversified range of investments and employing strategies including direct indexing and option-oriented products.