Kevin Murphy is a financial advisor with Cetera, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Cetera Wealth Services and multiple business activities involving accounting, tax preparation, and insurance sales. He operates a CPA practice providing bookkeeping and tax consulting services for personal and small business clients. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing both affiliated and third-party investment managers across diverse program structures.

Ken Walters is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he worked as a Financial Solutions Advisor at Merrill Lynch from 2017 to 2025. In his professional capacity, Ken focuses on helping clients pursue their financial goals by taking the time to understand their unique priorities, concerns, and aspirations, which enables him to create tailored financial plans. Ken values building relationships and aims to make a positive impact on the lives of the individuals and families he serves. Outside of his professional work, he engages in activities such as enjoying the beach, football, golf, movies, scuba diving, and traveling.

Michael Guido is a Certified Financial Planner (CFP®) and holds a Series 66 license, with 27 years of experience in the financial industry. He has been with UBS Financial Services Inc. since 2013. Based in Red Bank, NJ, Guido provides financial advisory services within a large institutional firm. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to client goals and risk tolerances.

Geoffrey Schroeder is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. His career includes positions at Citigroup Global Markets from 2002 to 2009 and Morgan Stanley Smith Barney since 2009. Outside of advisory work, he owns a rental property in Delray Beach, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses firm-approved tools and models but leaves plan implementation and updates to clients.

Gerard Coraggio is a financial advisor at Cetera with 49 years of industry experience. He holds a Series 63 designation and has previously worked at American Portfolios Financial Services, Inc. from 2009 to 2024. Outside of advisory work, he is licensed to sell fixed insurance products, including life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and consulting services, including access to third-party money managers and model portfolios, managing more than $256 billion in assets.

Arthur Hornak is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His career includes roles at Invest Financial Corporation and Sun National Bank, and he has been with Cetera and its affiliated entities since 2018. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers through a multi-manager platform with a range of program options.

William Bodnar III is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to joining UBS, he spent nine years in education. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Michael Ducore is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, and is involved as a life settlement broker through The Ashar Group. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party advisory models, including those sponsored by LPL and other program managers, and offers a range of investment solutions covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Rosa Quartuci is a financial advisor at Morgan Stanley with 45 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Outside of her advisory role, she is the sole proprietor of RVCS Enterprises, a retail and online store business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide 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 provides services through various channels including corporate financial planning agreements.

Braken Fiore is a financial advisor with Mass Mutual Investors Services, holding a Series 63 license and 19 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has worked with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, Fiore serves as president of Fiore Strategic Wealth Inc. and acts as a pension consultant for the International Brotherhood of Electrical Workers, assisting with NYCERS pension options. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses collaborative, annual planning engagements with firm-approved analytical tools and offers various educational seminars and specialized planning programs.

Larsen Flinn is a financial advisor with LPL Financial based in Holmdel, NJ. He holds Series 63 and Series 65 licenses and has 29 years of industry experience, including prior roles at Bank of America, Merrill, and Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisory representatives with research and operational tools across a wide array of investment strategies.

Anthony Giordano is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Ameriprise and Linsco Private Ledger. He is also a majority owner of GIORDANO GP, LLC, a merchant partnership based in Palm Beach Gardens, Florida. Wells Fargo Advisors Financial Network 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, with implementation options through various brokerage and advisory programs.

Joseph Armstrong is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing four years of industry experience. His prior roles include positions at JPMorgan Chase Bank and JPMorgan Securities, as well as experience in the pharmaceutical and food service industries. Equitable Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Jonathan Beaubien is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. His prior roles include positions at MML Investors Services LLC, Mass Mutual Life Insurance Company, Park Avenue Securities, and Guardian Life Insurance Company. Outside of his advisory work, Beaubien coaches baseball and serves on the board of a youth and community development organization. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved software and various event-driven planning programs.

Colin Ribis is a financial advisor at Merrill with Series 63 and Series 66 licenses and two years of industry experience. His background includes roles at Bank of America, JPMorgan Chase Bank, and J.P. Morgan Securities. He also serves in the United States Army Reserves. Merrill provides managed account services through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Michael Saladino is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses. He has recently started his career in the financial services industry. Outside of advising, he has experience working in retail and education environments. Equitable Advisors serves a broad range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management services. The firm utilizes a variety of advisory models and third-party program sponsors to deliver solutions tailored to client needs.

Christopher Gramolini is a financial advisor at UBS Financial Services with 18 years of industry experience. He has been with UBS since 2013 and holds Series 63 and Series 66 licenses. 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 and delivers advisory work using proprietary research and model-based asset allocations.

Joseph Gough is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has worked at Merrill since 1986 and is also associated with Bank of America since 2009. Gough serves as a board member of CAFRICO, Inc., a nonprofit organization that collects charitable donations to support a health clinic in Uganda and other nonprofits. 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.

Bryan Locher is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 66 credentials and 12 years of industry experience. He previously worked at Pacer Financial, Inc. for four years before joining Wells Fargo Clearing in 2019. 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 brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Eileen Russo is a financial advisor at Morgan Stanley in Shrewsbury, NJ, with 31 years of industry experience. She has held positions at Morgan Stanley Private Bank and Morgan Stanley since 2017, and previously worked at Credit Suisse Securities for ten years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.