Brian Gaffney is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 39 years of industry experience. He has been with LPL Financial since 2000. In addition to his advisory role, he has licensed activities related to non-variable insurance and has been involved in group health insurance sales. 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 range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Dale Perez is a financial advisor at Merrill with Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Merrill and Bank of America, he worked at TD Bank and held positions in various companies including Verizon Wireless and Magnify Brewing Company. He co-owns an inactive LLC with his spouse that was intended to be an online coffee business but has remained dormant since its formation. 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 a range of clients including individuals, high-net-worth clients, and institutional investors.

Anthony Cifelli Jr. is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His previous roles include positions at Wells Fargo Advisors Financial Network LLC from 2009 to 2017 and Ameriprise Financial Services, Inc. from 2017 to 2020. Outside of advisory work, he is involved in Medicare insurance through Superior Senior Solutions, LLC. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with significant investable assets, delivering tailored, research-driven recommendations. The firm combines advisory, brokerage, and insurance solutions, utilizing algorithmic tools and in-house oversight to support retirement income strategies.

William Yaegel is a financial advisor with Stifel in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Stifel since 2007. Stifel serves a diverse clientele including individual, institutional, and municipal clients, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Todd Dotterweich is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked at Wells Fargo Bank and Wells Fargo Clearing since 2022, and previously spent nine years with Santander Securities, LLC and Santander Bank, NA. 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 offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party data to support its investment strategies.

Tara Attardo is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2008 and Bank of America since 2017. Outside of her advisory role, she owns a business creating handmade shirts, glasses, bags, and other customized accessories. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jyoti Oberai is a financial advisor at Equitable Advisors with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Equitable Advisors since 1999, including its prior iteration as AXA Advisors. Outside of her advisory work, she is involved in a retail business, J&J Fine Wine & Liquors. Equitable Advisors serves a diverse client base, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset-management solutions. The firm delivers services through a broad network of investment representatives and utilizes third-party asset managers and advisory programs for portfolio implementation.

William Witt is a financial advisor with LPL Enterprise in Holmdel, NJ, holding Series 63 and Series 65 credentials and nine years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC, as well as operating Rosato's Pub and Pizzeria. He also works as an insurance agent, assisting clients with health insurance applications and cost management related to their medical needs. LPL Enterprise serves a wide range of clients including individuals, high-net-worth investors, and institutional entities, offering investment advisory and brokerage services primarily through model-driven portfolios and access to third-party asset managers.

James Solano is a financial advisor with Morgan Stanley Wealth Management in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior work includes roles at Stifel Nicolaus & Co Inc, G Capital Advisors, LLC, and Deutsche Bank Securities Inc. since 2002. He has been with Morgan Stanley and its affiliated private bank since 2017. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

James Shea Jr. is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63, 65, and 66 licenses and 26 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Oppenheimer & Co. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services using a broad range of planning areas and Wells Fargo’s research and tools.

James Gallo is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank, SSB since 2012. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Sara Elbanna is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been with Merrill since 2016, also working with Bank of America since 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.

Steven Milsen is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds a Series 66 designation and has been employed at Cambridge Investment Research, Inc. since 2025. Outside of his advisory role, he is involved with Network Agency in Staten Island, where he has worked since 2016. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through a network of independent professionals, utilizing proprietary models as well as unaffiliated strategists and providing flexible investment implementation options.

William Barnek is a financial advisor at RBC Capital Markets with nine years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill Lynch. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored strategies, portfolio management, financial planning, and brokerage services utilizing both in-house and third-party investment managers.

Maria Patrizio is a financial advisor with Ameriprise who holds Series 63 and Series 66 credentials and has 29 years of industry experience. Her prior work includes nine years at Janney Montgomery Scott and two years in home health care services. She also manages an advisory business through DGAM LLC as a client relationship manager. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations primarily for clients holding assets in Ameriprise-managed accounts.

Justin Saponara is a financial advisor at RBC Capital Markets with 23 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC for 15 years. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management tailored to clients' risk profiles, utilizing a combination of in-house and third-party investment managers.

Andrew Scott is a financial advisor at Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation. He has been with Morgan Stanley since 2026 and previously worked at Life Time Fitness and ADP LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through structured discovery conversations without offering individual security recommendations in standalone planning.

Kelly Mcconnell is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2008, except for a three-year period at Morgan Stanley Smith Barney LLC from 2022 to 2025. Merrill, together with its affiliate Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Colin Dempsey is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. His career includes roles at Morgan Stanley and various Wells Fargo entities, where he has worked since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Paul Bitterly is a financial advisor at Morgan Stanley in Red Bank, NJ, holding a Series 66 designation with eight years of industry experience. He has worked at Morgan Stanley since 2017 and previously held roles at The College of New Jersey. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through Corporate Financial Planning agreements with employers.