Marc Morgan is the sole advisor at Heroic Financial LLC with a Series 65 credential and three years of industry experience. He has served as a public safety officer for Evesham Township since 2008 and is a trustee of the Police and Firemen's Retirement System of New Jersey since 2019. Heroic Financial LLC provides retirement-plan advisory services to qualified ERISA plans and offers financial planning and consulting on an hourly basis to individuals, pension and profit-sharing plans, and business entities. The firm typically acts as a limited-scope ERISA 3(21) fiduciary and is noted for combining pension consulting, public seminars, and an explicit hourly-fee model.

Mary Coughlin is the sole advisor at Barnegat Bay Capital Management LLC and holds a Series 63 designation with 21 years of industry experience. She has been with Barnegat Bay Capital Management since 1998. Barnegat Bay Capital Management provides investment supervisory services, occasional financial planning, and one-time portfolio reviews to a range of clients including individuals, trusts, and charitable organizations. The firm combines a single-manager structure with an institutional investment background and uses fundamental, charting, and cyclical analysis to tailor portfolios according to client goals and risk tolerance.

Donald Burnaford is a financial advisor at MPI Wealth Management LLC with 52 years of industry experience. He holds the Series 63 designation and has worked previously at Copper Beech Financial Group, American Portfolios Financial Services, and Osaic Wealth. Outside of his advisory work, he is an independent insurance agent specializing in fixed annuities and life, accident, and health insurance. MPI Wealth Management provides discretionary investment management and sub-advisory services to a range of institutional and individual clients, including pension plans, banks, corporations, charitable organizations, and high-net-worth families. The firm employs a combination of quantitative techniques, technical and fundamental analysis, and macroeconomic research to tailor portfolios aligned with client objectives.

Sarah Elia is a financial advisor at The Wealth Boutique with a Series 65 designation and seven years of industry experience across multiple firms, including Bank of America and Crosby Private Wealth Advisors. Her background also includes roles outside of finance, such as working in education with the Pinelands Regional School District and in the hospitality sector. The Wealth Boutique provides financial planning and discretionary portfolio management to individuals, high-net-worth and multi-generational clients, trusts, and some institutions. The firm employs a financial-planning-led, holistic approach that integrates fundamental and technical analysis, offering tiered planning packages and access to private funds for qualified investors.

George Kastanis is a CFP® professional with 15 years of industry experience, currently affiliated with Foundations Investment Advisors LLC since 2025. His prior roles include positions at Sound Income Strategies LLC, Belpointe Insurance, and Arbor Point Advisors. Kastanis is involved with Wings for Widows, a nonprofit organization assisting widows through the transition after losing a spouse. Foundations Investment Advisors provides financial planning and portfolio management to a diverse client base, including individuals, high-net-worth clients, retirement plans, and registered investment companies. The firm uses a combination of fundamental, technical, and cyclical analysis, model portfolios, and an asymmetric rebalancing approach, supported by a large network of affiliated offices and third-party sub-advisers.

Scott McLean is a financial advisor with Foundations Investment Advisors LLC, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Foundations since 2025 and previously at Sound Income Strategies LLC, Belpointe Asset Management, LLC, and his own firm, McLean Advisory Group, LLC. Outside of advisory work, McLean is co-owner of an equestrian boarding facility and also leads McLean Tax Advisory Group LLC, which offers tax preparation and fixed insurance products. Foundations Investment Advisors, LLC provides financial planning and portfolio management to individual and high-net-worth clients, retirement plans, and registered investment companies through a broad network of affiliated offices. The firm uses a variety of analytical approaches and model portfolios, incorporating third-party sub-advisers and custodians, to tailor investment advice and manage client assets.

Kenneth Durfee is a CFP® with 35 years of industry experience, currently serving at Summit Financial, LLC since 2018. He previously worked at Summit Equities, Inc. and Summit Financial Resources, Inc. for 27 years. In addition to his advisory role, he manages KDD15 LLC, providing investment advisory and financial planning services. Summit Financial, LLC is an SEC-registered, multi-team advisory firm with over $26 billion in assets under management, serving approximately 17,800 clients. The firm offers a blend of discretionary and consultative investment management programs, financial planning, retirement plan advisory, and access to alternative investments.

George Gotthold Jr. is a CFP® professional with 21 years of industry experience, currently serving at Advisory Services Network. His prior roles include positions at Park Piedmont Advisors LLC and Ciccone, Gotthold & Koseff, PC. He also manages an accounting and tax practice through George J Gotthold, Jr., CPA, PC. Advisory Services Network is an independent firm serving individuals, families, corporations, and charitable organizations. The firm offers portfolio management, financial planning, and retirement-plan consulting through a network of over 200 advisors managing approximately $8.6 billion in client assets.

Collin Turner is a financial advisor with Foundations Investment Advisors LLC, holding a Series 65 designation and just beginning his career in the industry. His prior work history includes roles at Mclean Advisory Group, Planning Alliance, and experience in education at various institutions. Foundations Investment Advisors, LLC provides financial planning and portfolio management to a wide range of clients, including individuals, high-net-worth clients, and retirement plans, using model portfolios and an approach that combines fundamental, technical, and cyclical analysis.

Christopher Roth is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Barnegat, NJ. He holds the Series 63 designation and has 37 years of industry experience, including 28 years with Equity Services. In addition to his advisory role, he works as an insurance agent selling life, disability, and health insurance. Equity Services, Inc. provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms utilizing third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Kristine Wiley is a financial advisor with Guardian Life, holding a Series 66 designation and 17 years of industry experience. She has worked with Guardian Life and Park Avenue Securities since 2019. Outside of her advisory work, she is a registered New Jersey notary. Park Avenue Securities LLC, a wholly owned subsidiary of Guardian Life, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies through proprietary and third-party platforms, including a digital advisory solution and access to insurance products and alternative investments.

Erin Eads is a financial advisor with TD Private Client Wealth LLC, holding a Series 65 credential and four years of industry experience. She has been with TD Private Client Wealth since 2021 and has worked at TD Bank N.A. since 2016. 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 TDIS clients. The firm constructs portfolios using strategic and tactical asset allocation with both affiliated and third-party sub-managers, offering ongoing portfolio management, financial planning support, and custody through third-party custodians.

Clifford Bajor is a financial advisor with HSBC Securities (USA) Inc. who holds Series 63 and Series 66 licenses and has 17 years of industry experience. He has worked at HSBC Securities since 2016, following prior roles at J.P. Morgan Securities and Chase Investment Services Corp. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through several client-directed and discretionary program types. The firm utilizes a structured investment process with multiple risk profiles and combines asset-allocation advice with ongoing fund due diligence, serving a diverse client base across managed and non-discretionary portfolios.

Gary Brown is a CFP® professional affiliated with GWN Securities Inc. He has 16 years of industry experience, including roles at HD Vest Insurance Agency and Lincoln Heritage Life. His background includes sales and servicing of life, health, and annuity insurance products. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through discretionary managed accounts and financial planning. The firm offers a range of managed-account programs and model portfolios, with a distinctive legacy use of market-timing and momentum strategies within its program suite.

Vincent Russo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Wells Fargo since 2016 and previously worked at Prudential Equity Group, LLC. Wells Fargo Advisors provides investment advisory and financial planning services to individual, corporate, and institutional clients, offering both brokerage and advisory solutions through a large national platform with approximately $671 billion in assets under management.

David Morse is a financial advisor with LPL Enterprise, holding Series 63 and 65 licenses and bringing 35 years of industry experience. He worked at Pruco Securities, LLC for 33 years before joining LPL Enterprise in 2024. Outside of advisory work, he is involved in the sale and service of property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Michael Gandet Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. His prior roles include positions at Securities America Advisors, National Planning Corporation, and Cetera. He is also an owner of tax preparation and accounting firms serving clients in New Jersey and Connecticut. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutional clients through a large network of investment adviser representatives. Its offerings include financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms.

William Meltzer is a financial advisor with LPL Financial in Barnegat, NJ, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. His career includes prior roles at J.P. Morgan Securities, Morgan Stanley, Citigroup Global Markets, and other firms. He is also involved with Meltzer Financial LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services through a large network of advisors, employing various investment strategies and operational tools.

Jenna Kobular is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 credentials and seven years of industry experience. Her career includes roles at Wells Fargo Clearing and Securities America Inc. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions through a broad menu of planning options and integrated financial product offerings.

Charles Dudley is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, supported by research from Wells Fargo Investment Institute and external sources.

Sean O'Sullivan is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He worked at Wells Fargo Clearing for eight years before joining Wells Fargo Advisors in 2024. Outside of his advisory role, he owns and operates Mindful Investing LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, utilizing proprietary research and tools to create tailored recommendations, with clients deciding how to implement them through various brokerage or advisory programs.

Stephen Donnelly is a financial advisor at OSAIC with 32 years of experience in the industry. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, Questar Asset Management, Questar Capital Corporation, and UBS Financial Services. Outside of his advisory role, he serves as a board member on the Stafford Township Planning Board and consults for CollegeConsultants.org, a nonprofit focused on securing endowment scholarships for local students. OSAIC serves a diverse client base including retail investors, retirement plans, charities, and corporations, offering brokerage and advisory services across various programs with a focus on model-based asset allocation and portfolio optimization.

Matthew Stoll is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and worked at JPMorgan Chase Bank, N.A. from 2016 to the present. Outside of his advisory role, he is involved with Shea Face LLC, where he occasionally provides general administrative support. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations and incorporates ESG considerations within eligible strategies.

Raymond Offenburger is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Equitable Advisors. His prior roles include positions at Prudential Insurance Company of America, Northwestern Mutual, and Edward Jones. Outside of his advisory work, he holds treasurer roles at the Sons of the American Legion and the Knights of Columbus, both nonprofit organizations. Equitable Advisors serves a broad range of clients including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through various programs and third-party managers. The firm’s approach emphasizes personalized assessment and matching clients to appropriate advisory models, offering a wide array of investment options and ERISA fiduciary services.

Joseph Bublewicz is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior work includes 18 years at H. Beck, Inc. and four years at Grove Point Investments and Grove Point Advisors. Outside of finance, he is also an artist, musician, and stand-up comic. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Patrick Cefalo is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Cuna Mutual Group, CUNA Brokerage Services, Inc., and PNC Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment services, utilizing both proprietary and third-party strategies, and supports its large network of advisors with advanced operational and research tools.

Gregory Colucci is a financial advisor at Ameriprise with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Bank of America, Merrill, Park Avenue Securities, Guardian Life Insurance Company, and Wells Fargo Clearing. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored recommendations and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

John Reilly is a financial advisor at Stifel with 40 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2008 and holds Series 63 and Series 65 designations. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Christine Smith is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has over 30 years of experience in the financial services industry, focusing on helping individuals and businesses achieve their financial goals through personalized wealth management strategies. She advises clients on a range of financial priorities including investment management, retirement planning, cash flow and liability management, education funding, wealth preservation, insurance planning, trust and estate coordination, tax-efficient wealth management, business retirement plans, succession planning, and lending solutions. Christine has a particular focus on assisting business owners with retirement and employee benefit plans as well as succession strategies. Christine holds a Bachelor's Degree from Gettysburg College and a Personal Investment Advisor (PIA) designation. Outside of her professional work, she enjoys skiing, boating, traveling, camping, hiking, scuba diving, yoga, and spending time with her husband and three children. A lifelong resident of Doylestown, Pennsylvania, she and her family have deep roots in the community.

Marny Keller is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2016. 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 developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Lewandoski is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2010. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to multiple program structures and third-party money managers, managing over $256 billion in assets.

James Berger is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and over 36 years of industry experience. He has worked with Wells Fargo Financial Network LLC since 2009. Outside of his advisory role, he is a principal in JB Group LLC, where he dedicates significant time managing that business. 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 financial planning services and integrates advisory services with multiple financial product offerings.

Kimberly Penna is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019, previously employed by Bank of America and Timberland. Outside of her advisory role, she operates a small business selling used clothing on eBay. 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 a range of clients including individuals, high-net-worth clients, and corporations.

Bruce Linger is a CFP® with 38 years of industry experience, currently serving at OSAIC since 2025. He previously worked at Lincoln Financial Advisors Corp. for 35 years. In addition to his advisory role, he is involved in offering indexed and fixed indexed annuities, life settlements, and disability insurance through related business activities. OSAIC Wealth serves a wide range of retail and institutional clients through a multi-advisor platform that provides comprehensive financial planning, managed portfolios, retirement plan consulting, and brokerage services. The firm employs a model-based investment process with options for discretionary management, third-party managers, and proprietary strategies, supporting a diverse client base including high-net-worth individuals and corporate clients.

Christopher Atlee is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and having 27 years of industry experience. His prior work includes roles at Credit Suisse Securities and Deutsche Bank Securities. 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 combines research from Wells Fargo Investment Institute with third-party analytics to inform its investment approach.

Rocco Manochio is a financial advisor at Ameriprise with 21 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Prior to his current role at Ameriprise since 2020, he worked at Ameriprise Financial Services, Inc. from 2011 to 2020. He is also the owner of RM Financial Management, LLC, a business that manages the office of his financial planning practice. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement with substantial investable assets, providing detailed written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary retirement recommendations, primarily for clients maintaining assets in Ameriprise-managed accounts.

Charles Ahto is a financial advisor with UBS Financial Services who holds Series 63 and Series 65 licenses and has 43 years of industry experience. He has been with UBS since 2006. He also serves as trustee for the Candace Ahto trust, managing and overseeing the investment of assets and income distributions under the terms of the trust established by his father. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

Anthony Parisi is a financial advisor with UBS Financial Services, holding a Series 63 designation and bringing 42 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets products.

Barbara Koppelkiernan is a financial advisor at Mass Mutual Investors Services with 41 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and at MassMutual Life Insurance Company since 2016, following a 33-year tenure at Metlife Securities Inc. She holds a Series 63 designation. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using a structured and collaborative approach to client engagements.

John Stephens Jr. is a financial advisor with LPL Financial who holds Series 63 and Series 66 designations and has 15 years of industry experience. He previously worked at Wells Fargo Clearing before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Norman Chevlin is a financial advisor with Mass Mutual Investors Services, holding the Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is involved in fee-based insurance planning targeting small-company entrepreneurs and owns Plant Your Financial Seed, LLC, which offers property and casualty insurance. He also serves as an insurance broker with Broker's Choice America, focusing on life, long-term care, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational programs, emphasizing collaborative, goal-based planning with a variety of investment and insurance implementation options.

Tyler Hobbs is a financial advisor with Ameriprise in Manahawkin, NJ, holding a Series 66 designation and five years of industry experience. His prior roles include positions at LPL Financial, Park Avenue Securities, Guardian Life Insurance Company, and C & A Financial. In addition to his advisory work, he is involved in independent insurance brokering with MassMutual, focusing on whole life insurance. Ameriprise provides a retirement-income planning service tailored for individuals nearing or in retirement who meet certain asset thresholds, combining research-driven, tax-aware strategies with algorithmic support to deliver personalized recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brian Zorda is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management and the co-founder and senior partner of Branch-Zorda Wealth Management. He began his career in 2001 with the banking arm of a large European financial firm and shifted his focus to wealth management in 2003. He joined Merrill Lynch Wealth Management in 2008. Brian holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Accredited Domestic Partnership Advisor (ADPA®) designation. He also carries the Personal Investment Advisor (PIA) and Sports & Entertainment (SE) professional designations. He graduated with honors from Siena College. Brian's expertise includes investment manager analysis, investment selection, creating customized asset allocation strategies, and helping business owners navigate employer retirement plan options for self-employed individuals and small businesses. He also assists clients with estate planning issues and wealth transfer questions. His client focus areas include executive compensation, endowments, foundations, non-profits, defined benefit plans, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, and socially responsible, values-based, and ESG investing. He lives in New York City with his wife and their two children. They enjoy traveling, spending time at the beach, and creating new memories and experiences. Brian has been named to the Forbes "Best-in-State Wealth Advisors" list for 2022 through 2025 and, as a member of the Branch-Zorda Wealth Management Group, has been named to the Forbes "Best-in-State Wealth Management Teams" list for 2023 through 2025.

Caren Miller is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2001. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Skye Gibson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2010 and works closely with clients to develop financial strategies tailored to their diverse goals and priorities. Skye's approach involves listening to clients' aspirations and breaking down complex tasks into actionable steps, helping them navigate both short- and long-term financial objectives. Skye holds a Bachelor's degree in accounting from the University of Delaware and a Master's degree in business administration from Syracuse University. He possesses multiple professional designations, including Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), and Certified Exit Planning Advisor (CEPA). While he does not provide legal or tax advice in his current role, he offers expertise in areas such as retirement income, portfolio management, and wealth planning. Beyond his professional duties, Skye has been involved in community initiatives, serving as a board member for the Hunger Foundation of Southern Ocean County and the Southern Ocean Medical Center Foundation. He also coaches youth flag football and travel basketball. Skye resides in Stafford Township with his wife, their four children, and three dogs. His personal interests include reading, golf, basketball, and casual fishing with his father.

Joseph Burkhard is a CFP® professional with 33 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and also works with Massachusetts Mutual Life Insurance Company. His prior experience includes 16 years with Metropolitan Life Insurance and Metlife Securities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning processes.

Joshua Hillman is a financial advisor at RBC Capital Markets with 27 years of industry experience. He holds a Series 63 designation and has previously worked at Ameriprise, Wells Fargo Clearing, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide tailored portfolio management, financial planning, and brokerage services through a mix of in-house and third-party investment managers.