Marc Morgan is the sole advisor at Heroic Financial LLC, holding a Series 65 designation with two years of industry experience. He has worked at Heroic Financial since 2021 and serves as a public safety officer in Evesham Township, a role he has held since 2008, as well as a trustee for 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 financial planning on an hourly basis, serving individuals, pension and profit-sharing plans, and business entities. The firm typically acts as a limited-scope ERISA 3(21) fiduciary for retirement-plan clients and offers customized financial plans and educational seminars, distinguishing itself through its combination of pension consulting, public workshops, 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.

Kenneth Durfee is a CFP® with 34 years of industry experience, currently serving at Summit Financial, LLC since 2018. He previously worked with 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 offers investment advisory and financial planning services to individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm combines discretionary managed portfolios with advisor-directed programs and reported approximately $15 billion in client assets as of December 2024.

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.

Christopher Roth is a financial advisor with Equity Services, Inc. He holds a Series 63 designation and has 37 years of industry experience, including 28 years with Equity Services. In addition to his advisory role, he is an insurance agent selling life, disability, and health insurance. Equity Services, Inc. serves individuals, corporations, trusts, estates, charitable organizations, and retirement plans with financial planning, consulting, and asset management services. The firm offers investment management through a combination of proprietary and third-party platforms, emphasizing long-term allocations and manager-driven model portfolios while accommodating various trading strategies and client restrictions.

Rj Amato III is a financial advisor with Voya Financial Advisors, Inc. and holds the Series 63 and Series 66 licenses. He has been in his current roles since 2025 and also has prior experience with Amato Strategic Advising, LLC. Outside of finance, he has been involved with Spirit Halloween since 2014. Voya Financial Advisors serves a diverse client base, including individual investors, retirement plans, municipalities, charities, and institutions. The firm offers portfolio management, financial planning, retirement plan advisory, and brokerage services, combining model portfolios, third-party managers, and proprietary tools through its network of Investment Adviser Representatives.

Kristine Wiley is a Series 66-licensed financial advisor with 16 years of industry experience. She is currently affiliated with Primerica Advisors and has previously worked with Guardian Life Insurance Company and Park Avenue Securities LLC. Outside of her advisory role, she is a registered New Jersey notary public. Park Avenue Securities LLC serves a diverse retail client base, offering both brokerage and advisory services along with financial and business consulting. The firm employs a range of investment strategies through proprietary models, third-party managers, and digital advice platforms, supporting various account types and lending solutions.

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 at HSBC Securities (USA) Inc. with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at HSBC Securities and HSBC Bank USA since 2016, following a prior role at J.P. Morgan Securities from 2012 to 2016. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering various program types ranging from client-directed to fully discretionary portfolios. The firm employs a structured investment process using model risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence and monitoring.

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 licenses and bringing 33 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. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, and it includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Michael Gandet Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. His prior roles include positions at Securities America Advisors, Securities America, Inc., and National Planning Corporation. He is also involved in tax preparation and accounting through his ownership of Gandet & Associates LLC. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

William Meltzer is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. His prior roles include positions at J.P. Morgan Securities and Gladstone Institutional Advisory LLC. Meltzer is also associated with Meltzer Financial LLC, a business entity established for tax and investment purposes. LPL Financial provides advisory and brokerage services to a diverse client base that includes individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of advisory delivery options supported by an in-house research team and a large network of investment adviser representatives.

Jenna Kobular is a financial advisor at Wells Fargo Advisors with seven years of industry experience. She holds Series 63 and Series 66 licenses and has prior experience with firms including Wells Fargo Clearing, Securities America Inc., and Merrill. 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, including specialized services such as business-owner transition and special-needs analysis, using proprietary research and tools to develop tailored recommendations.

Roy Hansen III is a financial advisor with Ameriprise, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Equitable Advisors, Axa Advisors, McKinsey and Company, and Ameriprise Financial. He also worked at Rollins College for four years. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary recommendations through a centralized consulting team.

Charles Dudley is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds Series 63 and Series 65 designations. Dudley has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 services. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sean O'Sullivan is a financial advisor with Wells Fargo Advisors in Barnegat, NJ, holding Series 63 and Series 65 licenses and with 26 years of industry experience. He previously worked within various Wells Fargo entities since 2009. Outside of his advisory role, he owns Mindful Investing LLC, an investment-related 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, utilizing Wells Fargo research and tools to develop tailored recommendations delivered through client meetings and summary letters.

Stephen Donnelly is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at Woodbury Financial Services, Questar Capital Corporation, and Investors Capital Corp. Outside of his advisory work, he serves as a board member on the Stafford Township Planning Board and consults for CollegeConsultants.org, a nonprofit focused on scholarship opportunities for local students. OSAIC Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer that serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations. The firm employs a comprehensive investment process combining risk tolerance assessments with asset allocation and portfolio optimization tools, offering access to a broad range of investment products and platforms.

Matthew Stoll is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various JPMorgan Chase entities since 2010. Outside of his advisory role, he is involved with Shea Face LLC in a limited employee/contractor capacity, assisting with general banking and property maintenance coordination. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with brokerage and investment management capabilities.

Raymond Offenburger is a CFP® professional with 12 years of experience in the financial services industry. He is currently with Equitable Advisors and has previously worked at Prudential Insurance Company of America, Pruco Securities, and Northwestern Mutual. Outside of his advisory work, he serves as treasurer for both the Sons of the American Legion and the Knights of Columbus, nonprofit organizations in New Jersey. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Patrick Cefalo is a financial advisor with LPL Financial, holding Series 63, 65, and 66 designations and over 25 years of industry experience. He has worked with LPL Financial since 2022 and concurrently with CUNA Brokerage Services and Cuna Mutual Group since 2015. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, banks, institutions, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Joseph Mcclure is a financial advisor at Fidelity with four years of industry experience. He holds the Series 66 designation and has worked at several firms, including Merrill Lynch, Bank of America, and Simon Quick Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm serves a broad client base, including registered investment companies and charitable funds, and is noted for its use of systematic methodologies and active oversight of sub-advisers.

Gregory Colucci is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. He has worked at several firms, including Bank of America, Merrill, Park Avenue Securities, Guardian Life Insurance Company, and Wells Fargo in various capacities. Ameriprise offers a retirement-income planning service tailored to individuals nearing or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports that support income planning and Social Security strategies.

James Sturiale is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. He has previously worked at Bank of America, PNC Bank, and is currently also employed as a food service server at Olive Garden. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services through dedicated personal advisors and affiliated entities. The firm emphasizes tax-efficient investment strategies and benefits from integration with Bank of America’s broader banking and capital markets platform.

Christine Smith is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in the financial services industry. She specializes in developing personalized financial strategies that address wealth accumulation, preservation, and transfer. Her approach includes portfolio development, liability management, tax minimization, and asset preservation, with a focus on ensuring a lifetime retirement income stream. Christine offers customized wealth management planning services such as asset allocation, cash flow and liability management, education funding strategies, retirement planning, individual wealth preservation, insurance planning, trust and estate planning, and business solutions including group benefit plans, 401k, transition and succession planning, cash management, and lending. She collaborates with clients' tax accountants and attorneys to provide comprehensive financial guidance. A lifelong resident of Doylestown, Pennsylvania, Christine holds a Bachelor's Degree from Gettysburg College and is a Personal Investment Advisor (PIA). Outside of her professional role, she enjoys skiing, boating, and traveling with her husband and three children, all of whom are active in their community.

Michael Lewandoski is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Cetera and Cetera Financial Specialists LLC since 2010. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, retirement plan solutions, and access to third-party managers, supported by a combination of advisor-managed accounts, firm-sponsored model portfolios, and institutional fiduciary services.

James Berger is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Wells Fargo Financial Network LLC since 2009. Outside of his advisory work, he is involved in a private investment business, JB Group LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, utilizing Wells Fargo research and planning tools to develop tailored recommendations for clients.

Kimberly Penna is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2019. Prior to that, she was with Bank of America, N.A. and Timberland. Outside of her advisory role, she operates a small eBay business selling used clothing. Merrill serves individual and institutional clients through managed account programs, discretionary portfolio management, and brokerage services. The firm integrates its investment approach with Bank of America affiliates and offers a variety of manager-constructed strategies, including tax-efficient solutions.

Bruce Linger is a CFP® professional with 38 years of industry experience, currently affiliated with OSAIC since 2025. He previously worked at Lincoln Financial Advisors Corp for 35 years. Outside of his advisory role, Linger is involved in offering indexed and fixed indexed annuities, disability insurance, and life settlements through his agency activities. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm combines risk-tolerance assessments with advanced asset-allocation tools and offers access to various investment vehicles and third-party managers, supporting over 6,200 advisors and approximately $200 billion in assets under management.

Christopher Atlee is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 rooted in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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 holds a Series 63 designation and has previously worked at MetLife Securities Inc. and Metropolitan Life Insurance Company. Outside of her role at MassMutual, she provides service for existing MetLife life, property, and casualty insurance business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, including high-net-worth clients, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs and educational seminars, with planning engagements structured as annual, collaborative relationships using firm-approved tools to analyze client goals.

John Stephens Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 14 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of financial planning, model-portfolio advisory programs, and third-party asset management solutions through a large network of investment adviser representatives.

Norman Chevlin is a financial advisor with MassMutual Investors Services and holds Series 63 and Series 65 licenses. He has 35 years of industry experience, including prior roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. He also engages in fee-based insurance planning for small-company entrepreneurs and owns a property and casualty insurance business focused on auto, homeowners, and commercial insurance. MassMutual Investors Services 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. The firm emphasizes collaborative planning relationships and offers a range of specialized programs including estate settlement and employer-sponsored planning.

Lori Seyler is a financial advisor at Cetera with 18 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Cetera and its affiliated entities since 2007. In addition to her advisory role, she owns and operates Lori A. Seyler, EA, LLC, a business focused on accounting, tax, and financial advising. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, employing both advisor-managed accounts and firm-sponsored model portfolios.

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 Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He co-founded Branch-Zorda Wealth Management and holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, awarded by the Certified Financial Planner Board of Standards, Inc. Brian began his career in financial services in 2001 with the banking arm of a large European financial firm and shifted his focus to wealth management in 2003 before joining Merrill Lynch in 2008. Brian specializes in balancing individual investment details with disciplined, strategic investment management. He oversees portfolio analysis and investment manager selection to develop customized asset allocation strategies tailored to clients' risk tolerances, resources, and financial goals. His expertise also includes assisting business owners in understanding employer retirement plan options for the self-employed and small businesses, as well as reviewing potential estate planning and wealth transfer issues. He graduated with honors from Siena College. Brian lives in New Jersey with his wife and two children, and enjoys traveling, spending time at the beach, and creating new experiences with his family. He has been named to the Forbes "Best-in-State Wealth Advisors" list from 2022 through 2026, and to the Forbes "Best-in-State Wealth Management Teams" list as a member of Branch-Zorda Wealth Management Group from 2023 through 2026.

Caren Miller is a financial advisor at Merrill with 25 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2001 and holds a Series 66 designation. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients. The firm offers a range of managed account programs, third-party manager selection, discretionary portfolio management, and brokerage services, supported by integration with Bank of America affiliates and a focus on tax-efficient investment strategies.

Skye Gibson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2010 and provides financial strategies tailored to address the needs of clients from diverse backgrounds. Skye focuses on comprehensive wealth management planning, helping clients define and prioritize financial goals ranging from educational funding and retirement income strategies to business liquidity and legacy creation. He works with clients to break down complex financial objectives into actionable steps and develops personalized timelines to guide their financial decisions. 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 holds multiple professional designations, including Certified 401(k) Professional (CkP), Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has served as a board member for the Hunger Foundation of Southern Ocean County and the Hackensack Meridian Southern Ocean Medical Center Foundation. Residing in Stafford Township with his wife, Skye is involved in community activities such as South Jersey NFL Flag Football, Stafford Recreation Basketball, and Stafford Travel Basketball. His personal interests include reading, golf, basketball, and fishing with his father when time permits.

Michael Studer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 27 years of industry experience. He has been with Wells Fargo in various capacities since 2013. Outside of his advisory work, he is involved with the United States Amateur Baseball League in Point Pleasant, NJ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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.

Charles Milstein Sr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC, where he worked for over two decades. He also operates a business under the name KARR BARTH ASSOCIATES. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through third-party programs, utilizing a hybrid referral and implementation model that combines advisory and brokerage services.

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 Wells Fargo Advisors LLC, 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, institutional clients, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients’ risk profiles and utilizing both in-house and third-party investment managers.