Joseph Bonacci is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS Financial Services from 2009 to 2023 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Michael Stevens is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, Stevens has sole ownership of Alpha Wolf LLC, an investment-related business based in Anaconda, Montana. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Barbara Siegel is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo Advisors and its affiliated entities since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored recommendations for clients.

Matthew Mandile is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. His prior roles include positions at Korn Ferry International, Trilogy International, Robert Half, and involvement with the New York City Football Club and New York Jets. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies.

Ronald Jaeger is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and 33 years of industry experience. He has worked at LPL Financial since 2019 and previously was affiliated with Jaeger Wealth Management, Commonwealth Financial Network, Westport Capital Markets, and Prudential Equity Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions.

Raymond Abbate is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been a Financial Consultant and Financial Advisor since 1978, offering client services in managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. Mr. Abbate graduated from Seton Hall University in 1972 with a Bachelor of Science degree. His career began with Bache, Halsey, Shields in 1978, followed by a move to Shearson Loeb Rhodes in 1981. He continued with the firm through its transitions to Smith Barney and later merged with Morgan Stanley in 2010 before relocating to Merrill Lynch in 2012. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, Mr. Abbate’s personal interests include baseball, golfing, spending time with his family, and watching movies.

Timothy Minafo is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has prior experience at Wachovia Bank, N.A., Chase Investment Services Corp., and RBC Capital Markets. Outside of his advisory role, he owns and operates the Tinton Falls Diamondbacks travel baseball team. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions utilizing research and diversification principles.

Frankie Plasencia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and with 10 years of industry experience. He has been with Wells Fargo in various capacities since 2013. Outside of his advisory role, he owns and operates Nationwide Universal Auto Sales and Nationwide Universal Auto Services, businesses involved in vehicle sales and maintenance. 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 provides both brokerage and advisory solutions supported by extensive research and analytics.

Frank D'erasmo Jr. is a Series 66-registered financial advisor with Ameriprise, where he has worked for five years. He has eight years of industry experience, including previous roles at Equitable Advisors and AXA Advisors. Outside of his advisory work, he owns Junior Ventures, LLC, through which he manages his Ameriprise business. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Richard Salerno is a financial advisor with Stifel, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior roles include positions at Wells Fargo Clearing and multiple divisions of Morgan Stanley throughout a 13-year span. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and probabilistic modeling developed by its Investment Strategy Group.

Kathy Whitacre is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. Her prior roles include positions at Merrill and Bank of America. She serves as a board member of KidsGive NJ, a nonprofit focused on children and youth in New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, incorporating tailored financial planning supported by structured discovery processes and firm-approved tools.

John Vogelzang is a financial advisor with Cambridge Investment Research Advisors. He holds a Series 66 designation and has nine years of industry experience. His prior roles include positions at Advisory Services Network, Purshe Kaplan Sterling Investments, Charles Schwab & Co., and Computershare. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs across multiple platforms and custodians.

Robert Starosciak is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and has 36 years of industry experience. He has worked with Morgan Stanley since 2009 and with its Private Bank division since 2015. Outside of his advisory role, he is an author and has published a book. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools along with broad retail and institutional offerings.

Steven Kochenour is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Armando Patino is a financial advisor at LPL Enterprise with four years of industry experience. He holds a Series 66 designation and has prior experience with Prudential Insurance Company of America, Pruco Securities, LLC, and Liberty Mutual. Outside of his advisory role, he is involved with Be Well Financial LLC, a financial planning and health insurance business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, employer-sponsored retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Joe Loiodice is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 designation and has previously worked at Bernstein Institutional Services LLC, AllianceBernstein Investments, Inc., Alliance Bernstein L.P., and Four Springs Capital LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Alex Feudi is a financial advisor at Merrill with 15 years of industry experience. He has been with Merrill since 2016 and holds a Series 66 designation. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Nicole Andres is a Private Wealth Manager at Merrill Private Wealth Management, where she leads a team dedicated to providing customized wealth strategies to clients. Her role involves designing bespoke portfolios that integrate clients' goals, risk tolerance, time horizon, and income needs into personalized strategies. She works closely with high-net-worth individuals and families to help them navigate complex financial decisions, addressing a wide range of needs including education planning, family wealth management, legacy planning, liquidity management, and tax minimization. Before joining Merrill, Nicole served as a Director with Credit Suisse Private Bank for fifteen years and spent nine years in the Private Client Services division of Donaldson Lufkin & Jenrette prior to its acquisition. She began her financial services career in 1990 at First Manhattan Company in the Research Division. Nicole holds a bachelor's degree from Vassar College and has completed graduate coursework at Fordham University's Gabelli School of Business. She has earned recognition, including being named one of Barron's Top 100 Women Financial Advisors from 2007 to 2015. Nicole is involved in community organizations such as the University of Dayton Parent Leadership Council. Outside of her professional work, she enjoys cooking, running, spending time with her family, and traveling.

Nicholas Columbo is a Series 66-licensed financial advisor with 19 years of industry experience. He is currently with Morgan Stanley, where he has worked since 2026, following a 17-year tenure at Merrill. Outside of his advisory role, he serves as a board member for the Toms River Basketball Association, a charitable organization, where he helps oversee operations and coordinates teams and coaches. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through various financial planning and investment strategies.

Christopher King is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.