Peter Perfetti is a CFP® with 19 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is a commissioned notary public in Linwood, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jennifer Wildman is a financial advisor at UBS Financial Services with 24 years of industry experience. She has been with UBS since 2008 and holds Series 63 and Series 66 designations. Outside of her advisory role, she is also a notary public providing services to family and community members in Linwood, NJ. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm integrates proprietary research and model-based asset allocation to tailor financial plans and portfolio management aligned with clients’ goals and risk profiles, and combines institutional trading capabilities with wealth management services.

Carolyn Ogrady is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. She has been with Wells Fargo Clearing and First Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm's approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Mark Adams is a financial advisor with LPL Financial, holding a Series 63 designation and 31 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he spends a portion of his time selling life and disability insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs and services, including financial planning, retirement plan consulting, and brokerage services, supported by model portfolios, third-party research, and technology-driven investment approaches.

Steven Caltabiano is a financial advisor with Morgan Stanley in Northfield, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he serves as President of the Salem County Tax Board and is a board member of the South Jersey Healthcare Foundation, as well as an official with the Salem County Democratic Committee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individual and institutional clients. The firm’s financial planning process uses structured discovery and approved planning tools to deliver tailored plans, supporting clients in implementing and updating their strategies.

William Smallwood is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Chopdawg Studios, GeeTee LLC, Vivint SmartHome, DQ Events, and Lumber Liquidators. Outside of his advisory work, he has also worked as an Uber driver in San Francisco. Wells Fargo Advisors is a national securities firm providing 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, utilizing research and analytics from Wells Fargo Investment Institute and third-party databases.

Amy Fischer is a Series 66-licensed financial advisor with Morgan Stanley in Northfield, NJ, and has four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2019 and is also involved with ASAPP Healthcare. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and advanced planning tools, serving clients through both direct and corporate financial planning agreements.

Paul Dulac is a Senior Financial Advisor with Merrill Lynch Wealth Management. With 30 years of experience in the financial services industry, he works closely with individuals to help them achieve their financial goals through personalized wealth management strategies. He specializes in areas such as divorce transition planning, education planning, personal retirement planning, and sports and entertainment financial advising. Paul holds a Bachelor's Degree from Boston University and has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is fluent in both French and English. Committed to community involvement, Paul participates in local organizations such as Our Children Making Change. Outside of work, he enjoys spending time with his family, playing basketball, and tennis. He has been married for 28 years and has three grown children.

Sandra Stubbs is a Series 66 registered advisor with Merrill, where she has worked since 2009. She has 25 years of industry experience. 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 strategies supported by internal and third-party managers for a range of individual and institutional investors.

Franklin Malamut is a financial advisor with Morgan Stanley in Northfield, NJ, holding a Series 66 designation and three years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2022 and previously held positions at Freedom Mortgage and Newday USA. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and approved planning tools, offering services that emphasize advisory guidance without providing individual security recommendations in standalone planning.

Steven Mortelliti is a financial advisor with UBS Financial Services in Northfield, NJ, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with UBS Financial Services since 2008. Outside of his advisory role, he is the sole member and manager of SAM Communications Investment LLC, an information technology company. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances.

Thomas Morhauser is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 30 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as president of the Atlantic City Republican Club and is a board member at large for the Plaza Condo Association in Atlantic City, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Vanessa Mccabe is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY llc since 2009. Outside of her advisory role, she is involved with a trust based in Ocean City, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and broad investment capabilities.

Charlene Fiedler is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. 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 options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options among its offerings.

Justin Michener is a financial advisor with Merrill in Egg Harbor Township, NJ. He holds the Series 66 designation and has three years of industry experience. His work history includes positions at Bank of America, N.A., Merrill Lynch, and MA Goloff & CO. Outside of finance, he was involved with Manco & Manco Pizza for one year. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Wieczorek is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Michael Torpey is a financial advisor with Morgan Stanley in Northfield, NJ, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 a structured planning process supported by firm-approved tools and investment committee insights.

Frank Faverzani is a financial advisor at Ameriprise with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Ameriprise and its affiliate firms since 1994. He serves as president on the board of directors for the Ocean City Exchange Club and owns FWF2018, LLC, which manages a shared franchise office suite. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning through written recommendations and ongoing advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Nicholas Columbo is a financial advisor with Morgan Stanley in Northfield, NJ, holding a Series 66 designation and 19 years of industry experience. He previously worked at Merrill for 17 years before joining Morgan Stanley in 2026. Outside of his advisory work, he serves as a board member for the Toms River Basketball Association, a charitable organization, where he helps coordinate schedules, lead coaches meetings, and manage team activities. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers a range of investment and financial solutions.

John Birch is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in personal wealth management and financial planning. He works with a diverse clientele, including families of various sizes and business owners, assisting them with retirement planning, investment strategies, and corporate retirement plans for small businesses. John's approach emphasizes personalized assistance through a collaborative team effort to address clients’ pre-retirement and post-retirement financial needs. John holds a bachelor's degree in Business Management from Salisbury University. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is active in his community, serving as Vice President and Treasurer of the Ocean City Regional Chamber of Commerce, Vice President of the Ocean City Education Foundation, and a member of the Ocean City Planning Board since 2017. Outside of his professional and community roles, John enjoys outdoor activities such as skiing, running, and spending time at the beach with his family.