Teresa Zipf is a CFP® with 21 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. She previously spent 12 years at Benjamin F. Edwards & Co. Teresa also operates TLZipf Wealth Management LLC as an independent contractor. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, institutions, and organizations. The firm emphasizes tailored, non-discretionary planning using risk profiling and analytical modeling, while supporting its advisors with specialized services such as municipal finance consulting and SIMPLE IRA plan offerings.

Tracy Johnson is a Series 66 licensed financial advisor at Edward Jones with four years of industry experience. Prior to joining Edward Jones, Johnson worked in education, including roles at The Geneva School of Manhattan and Canarsie Ascend Charter School. Johnson has also served as a substitute teacher within the Linwood Public Schools. Edward Jones is a full-service wealth management firm serving millions of individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

John Kelley Jr. is a financial advisor at Morgan Stanley with 33 years of industry experience. He has held positions at Morgan Stanley since 2010 and at Morgan Stanley Private Bank, National Association since 2015. He also works with the Egg Harbor Township School System in an educational capacity. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets.

Nicholas Giaconia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he has a part ownership interest in a rental property in Mays Landing, NJ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Megan Vanesko is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2019, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services including investment advisory, estate planning strategies, and corporate financial planning agreements.

Theodore Khoury is a financial advisor with Morgan Stanley in Northfield, NJ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Morgan Stanley Smith Barney LLC. Outside of finance, he is a notary public in New Jersey and holds a minority ownership stake in Water Dog Smoke House LLC, a wholesale smoked fish producer. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, focusing on tailored financial planning through structured discovery processes and firm-approved tools.

Cindy Lanier is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and seven years of industry experience. She has been with Wells Fargo Clearing since 2018 and has worked at Wells Fargo Bank, N.A. since 2010. Outside of her financial career, Lanier is also an actress, performing in commercials, film, and theater. 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 services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a wider range of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Anthony Vitagliano is a financial advisor with Morgan Stanley in Northfield, NJ, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley, he worked at UBS Financial Services. Outside of finance, he is involved in the restaurant business as a proprietor of Uncle Bill's Pancake House and Nauti Donuts in Ocean City, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs supported by structured planning tools and market analysis.

Andrew Lavelle is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Greater Philadelphia area. He serves clients nationwide, including successful executives, business owners, and real estate investors, providing comprehensive wealth management services. His approach integrates portfolio management, lending strategies, tax mitigation, and estate planning into personalized plans designed to improve financial outcomes and reduce complexity. Andrew and his team specialize in areas such as college education planning, family wealth management strategies, liquidity management, philanthropic planning, small business strategies, individual and corporate investment strategies, and tax minimization. As a Certified Exit Planning Advisor (CEPA®) professional and a Personal Investment Advisor (PIA), he supports business owners in preparing and executing transitions through sales, recapitalizations, or succession plans. His team includes professionals with CFA® and CFP® designations and senior advisors with over 40 years of experience. He holds a Bachelor's Degree and a Master of Business Administration (MBA), both from the University of Scranton. Andrew is involved in community support through the Military Support & Assistance Group (MSAG) at Bank of America. His team has been recognized as a Top Wealth Management Team in Pennsylvania by Forbes in 2023, 2024, and 2025.

Cornelius Mcpeak Sr. is a financial advisor at Wells Fargo Advisors with 45 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Wells Fargo firms since 2009. He serves as Investment Committee Chairman for the Diocese of Camden Finance Council. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning solutions including retirement, education, and business-owner transition planning. The firm integrates advisory services with banking, lending, trustee services, and affiliated fund strategies.

Charles Malamut is a financial advisor with Morgan Stanley, holding a Series 63 designation and bringing 40 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney LLC since 2014. Outside of advising, he owns Strongbow Stables LLC, a horse farm. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering financial planning services supported by structured tools and broad investment capabilities.

Kevin Quinn is a financial advisor with Wells Fargo Advisors in Linwood, NJ, holding a Series 66 license and having one year of industry experience. His prior work includes roles at Mass Mutual Investors Services, MassMutual Life Insurance Co, and various positions outside finance, including education and retail. 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 investment and financial planning services utilizing Wells Fargo research and tools, with planning engagements tailored to client needs and optional implementation through multiple financial product channels.

James Kirlin Jr. is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Lincoln Financial Advisors for 12 years. In addition to his advisory role, he operates insurance-related businesses offering various types of insurance and employee benefits. OSAIC serves a diverse client base, including retail and institutional investors, through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and multiple investment options, while supporting various account management styles and third-party solutions.

Lawrence Malamut is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at UBS Financial Services for 13 years. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021. 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, and manages approximately $2.74 trillion in client assets.

Bryan Stein is a CFP® with 28 years of industry experience and is currently affiliated with Wells Fargo Clearing. His prior experience includes roles at BNY Mellon Securities Corporation and Oppenheimerfunds Distributor, Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Robert Madara Jr. is a financial advisor with Edward Jones, holding a Series 66 designation and three years of industry experience. He has been with Edward Jones since 2014, most recently continuing his role since 2025 in Ocean City, NJ. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Andrew Bilotta Jr. is a financial advisor with Raymond James & Associates, holding the CFP® designation and securities licenses Series 63 and Series 65. He has 42 years of industry experience and has been with Raymond James & Associates since 2007. Outside of his advisory role, he serves on the advisory board of How Properties Management, providing counsel to senior executives. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research resources.

Christine Cullen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Roger Mussa is a Wealth Management Advisor and founding Partner at Mussa-Jayne-Weiner Wealth Management of Merrill Lynch Wealth Management. With over 20 years of industry experience beginning in 1999, he assists personal and business clients across the United States through a consultative, time-tested wealth management process. His approach addresses clients' major concerns including wealth growth and preservation, tax mitigation, estate planning, asset protection, and charitable giving. Roger and his team focus on creating unbiased financial strategies that adapt to clients' evolving needs in today's complex geopolitical, economic, and social environment. Roger holds a Bachelor's Degree from Ramapo College of New Jersey, majoring in International Business with minors in Spanish and Italian. He has earned multiple professional designations including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Retirement Manager Advisor (RMA). He is actively involved with the Investments & Wealth Institute, serving on their Board of Directors and designation committees. Beyond his professional commitments, Roger contributes to community and nonprofit organizations such as the Atlantic Cape Community College Foundation Board, Assumption Catholic Regional School Advisory Board, and has held advisory roles with the Boy Scouts of America Jersey Shore Council. He participates in Merrill's Diversity & Inclusion Committee and the Merrill Hispanic & Latino Organization. Roger lives in Galloway, NJ with his wife Megan, their three children, and their dog.

Arlene Mcdonald is a Series 66-licensed financial advisor with UBS Financial Services, based in Northfield, NJ. She has 20 years of industry experience and has been with UBS since 1989. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to client goals.