Nicole Kevoian is a financial advisor with LPL Financial and holds a Series 66 designation. She has four years of industry experience and has worked at LPL Financial since 2019. In addition to her advisory work, she is a notary in New Jersey and maintains employment as a DoorDash driver. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and multiple portfolio strategies.

Brian Mccaskill is a financial advisor at Thrivent Investment Management with 13 years of industry experience. He holds the Series 66 designation and has worked at Thrivent Financial for Lutherans since 2013. He serves on the board of Your Grandmother's Cupboard, a nonprofit that provides free food and clothing to those in need, and is secretary of Community Services Inc of Ocean County, an organization that delivers meals to elderly individuals. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing comprehensive, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan while keeping services separate.

Daniel Koerner is a CFP®-credentialed financial advisor with 10 years of industry experience. He is currently with Cetera and has prior experience at Avantax Advisory Services, 1st Global Advisors, and runs Koerner & Koerner, PA, an accounting firm where he is a partner. He is also involved with Koerner WealthCare, LLC, providing insurance, tax, investment, and estate planning for closely held business owner clients. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Robert D'Addario is a Managing Director and Wealth Management Advisor with Merrill Lynch Wealth Management and is the senior member of The D'Addario Group in Short Hills, New Jersey. He has been with Merrill for over 31 years and has been recognized in Barron's "Top 1,200 Financial Advisors" list for 2022 and 2025 as well as Forbes' "Best-in-State Wealth Advisors" list from 2018 through 2026. Robert holds several professional designations, including Certified Portfolio Manager (CPM) from the Academy of Certified Portfolio Managers, Certified Private Wealth Advisor (CPWA) from the Investments & Wealth Institute, Certified Plan Fiduciary Adviser (CPFA) from the National Association of Plan Advisors, and Chartered Retirement Planning Counselor (CRPC) from the College for Financial Planning Institutes Corp. His expertise encompasses areas such as divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management services, and tax minimization. He graduated with a Bachelor of Science in Business Administration with a concentration in Finance from Rider University, where he also participated in ROTC and served as a Field Artillery Officer in the New Jersey Army National Guard. He earned an MBA with a concentration in Finance from Fairleigh Dickinson University. Robert supports Rider University through the Executive Advisory Council and the Finance & Economics Advisory Council. Outside of his professional life, he enjoys golfing, spending time with his family, and traveling.

Margaret Lynch is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 14 years before joining Morgan Stanley Smith Barney LLC in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Christian Beach is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on delivering a customized wealth management experience by combining a disciplined process with a deep understanding of client needs. Christian works with clients on planning for retirement, funding education expenses, and developing strategies for small business owners to achieve their financial goals. Christian's expertise includes divorce transition planning, employee benefits planning, employee financial health, personal retirement planning, and small business strategies. He holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Christian attended Brookdale Community College and Rutgers, although no diplomas were conferred. In addition to his professional work, Christian is involved in community activities including the American Cancer Society and coaching soccer for TRFC. Outside of work, he enjoys camping, hiking, music, spending time with his family, and writing.

Yehuda Goldfein is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill, and Edirect. Prior to his financial services career, he was affiliated with Keser Torah Mayan Hatalmud for seven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Gerard Tischio is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017, following a 32-year tenure at Merrill. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

John Stephens Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC over a combined 10-year period. LPL Financial serves individual and institutional clients through a nationwide network of investment adviser representatives, offering a range of advisory programs, retirement plan consulting, and brokerage services. The firm supports discretionary and non-discretionary management with model portfolios and research, and provides diverse strategies including overlay portfolio management and direct indexing.

Christopher Carbone is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America N.A. since 2022 and operating Carbone's Clothing Company from 2016 to 2022. 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 individual, corporate, and nonprofit clients.

Michael Cohen is a financial advisor at OSAIC with 43 years of industry experience. He holds the ChFC® designation and Series 63 license and has worked at Royal Alliance Associates, Inc., Signator Investors, Inc., and NEL Equity Services Corporation. Cohen serves as a trustee for trusts of immediate family members and owns and operates MRC Financial Services and MRC Wealth Management Inc., which provide various insurance products. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisors and multiple advisory platforms. The firm offers integrated brokerage, investment advisory, financial planning, and managed account services, utilizing firm-provided asset allocation tools and third-party solutions.

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.

Agnieszka Kolbusz is a financial advisor with Morgan Stanley in Toms River, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She previously worked at UBS Financial Services for 11 years before joining Morgan Stanley Smith Barney LLC in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering comprehensive financial planning and a range of advisory programs supported by firm-approved tools and research.

Charles Sergewick is a financial advisor with Merrill based in Toms River, NJ, holding Series 63 and Series 65 designations and 39 years of industry experience. He has been with Merrill since 2014 and concurrently with Bank of America, N.A. since 2015. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Cassidy is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and previously worked for the West Orange Police Department for 21 years. Outside of his advisory role, Cassidy is active in local politics, serving as Vice-Chair of the Hanover Township Republican Committee and Vice President of the Hanover Township Republican Club. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage services tailored to client goals and risk tolerance.

Patrick Parrino is a financial advisor with Fidelity, holding a Series 66 designation and five years of industry experience. His prior work includes roles at TFS Securities, Inc., Equitable Advisors, and T3 Trading Group, LLC. Outside of his advisory work, he sells sports cards on eBay. Fidelity Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Todd Dotterweich is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Santander Securities, LLC and Santander Bank, NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christopher Santopietro is a financial advisor with Merrill and holds a Series 66 designation. He has nine years of industry experience, including his current role at Merrill and Bank of America since 2017. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Alberico Sessa is a financial advisor at Morgan Stanley with 30 years of industry experience. He has held roles at Morgan Stanley Private Bank, N.A. and MORGAN STANLEY SMITH BARNEY LLC since 2023, and spent 11 years at UBS Financial Services. Outside of advisory work, he is involved as a partner in real estate ventures through AA Belmar Real Estate LLC and Sessa-Kopcha Family LLC. Morgan Stanley Wealth Management provides financial planning and advisory services to individuals and institutional clients, managing approximately $2.74 trillion in assets and offering tailored planning supported by firm-approved tools and methodologies.

Todd Speedy is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and 24 years of industry experience. He has been with Equitable Advisors since 2002, including its predecessor Axa Advisors, where he worked for 18 years. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad selection of third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to deliver tailored financial solutions.