Michael John Hrehovcik

David Lazzaro is a financial advisor at Stirlingshire Investments with over 31 years of industry experience. He holds the ChFC®, Series 63, and Series 66 designations. His prior experience includes roles at Money Concepts Capital Corp., H. Beck, Inc., and mortgage-related firms. Outside of his advisory work, he serves as a board member on the supervisory committee at Lakehurst Naval Federal Credit Union and manages DJL Wealth Management, LLC, which provides business consulting and commercial financial services. Stirlingshire Investments offers discretionary portfolio management to individuals, trusts, and other entities, serving both non‑HNW and high-net-worth clients. The firm employs multiple analytical methods and a range of investment strategies, providing access to diverse investment types and model strategies through the Advyzon marketplace.

Thomas Mcneill is a financial advisor with Asset Management Services Group, Inc. in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Asset Management Services Group, Inc. since 1996 and has been self-employed since 1978. Asset Management Services Group, Inc. advises individual and business clients and manages risk-focused mutual fund and variable annuity portfolios used in various retirement and tax-advantaged accounts. The firm combines Modern Portfolio Theory with an active Price Trend Management process, providing daily oversight and market timing to manage downside risk, and serves employer-sponsored and pension-type plans alongside individual investors.

Dennis O'Brien is a financial advisor at Coastal Financial Advisors, Inc. with 22 years of industry experience. He holds a Series 66 designation and has been involved in business consulting through Coastal Business Services, LLC, where he serves as president. Coastal Financial Advisors, Inc. is an independent, fee-only registered investment adviser serving individuals, corporations, trusts, estates, and charitable organizations. The firm offers comprehensive financial planning and portfolio management with a goal-based, individualized investment approach, and also provides fiduciary services for ERISA retirement plans and nonprofit endowments.

James Miller Jr. is a financial advisor at Miller Wealth Management with Series 65 and Series 66 designations and one year of industry experience. His prior roles include positions at Sikich, LLP, Propeller Industries, LLC, Escalon Services, and ADP, Inc. Miller Wealth Management provides investment management and financial planning services to individuals, high-net-worth clients, and businesses. The firm employs a fee-only fiduciary approach, using a combination of passive and active strategies tailored to each client, and offers both discretionary and non-discretionary arrangements.

Joseph Faragi is the principal advisor at The Faragi Group, an independent firm based in Forked River, NJ. He holds Series 63 and Series 65 licenses and has 18 years of industry experience, including 15 years leading his own firm. The Faragi Group provides ongoing investment supervisory services to individuals, including high-net-worth clients, as well as corporations and business entities. The firm uses a combination of fundamental analysis, long- and short-term trading strategies, and options writing, managing diversified portfolios aligned with client-specific Investment Policy Statements.

Howard Shemitz is a CFP®-designated financial advisor with 22 years of industry experience. He has been with Integrated Asset Management, Inc. since 1991. Integrated Asset Management, Inc. offers discretionary and non-discretionary investment advisory services and financial planning to individuals, high-net-worth clients, and pension plan sponsors. The firm provides portfolio management, retirement plan consulting, and participant education, using a range of investment strategies including equities, fixed income, mutual funds, ETFs, and specialized asset allocation models for plan participants.