Christopher Kellett is a financial advisor at OSAIC Wealth, Inc. with five years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial LLC and Ameriprise Financial Services Inc. His background also includes work outside finance at Stonebridge Steel Erection and academic experience at Pennsylvania State University. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services that emphasize model-based asset allocation and portfolio optimization.

Michael Deliso is a Series 66-licensed financial advisor with 14 years of industry experience. He has worked at Equitable Advisors since 2019, following five years at Morgan Stanley. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing third-party advisory programs and discretionary management models.

Michael Ritacco is a financial advisor at UBS Financial Services with 25 years of industry experience. He holds a Series 66 designation and has been with UBS since 2012. Outside of his advisory work, he serves on the boards of the Ocean County YMCA and the Ocean County Chamber of Commerce and is involved in several business ventures including fitness facilities and medical centers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, offering a range of investment management and financial planning solutions supported by in-house research and proprietary capital market models.

John Mendes is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 27 years of industry experience, with prior roles at Metlife Securities Inc. and New England Securities. In addition to his advisory work, Mendes is an independent insurance agent focusing on life, accident, health, and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses structured planning engagements supported by advanced analytical tools and offers a range of investment and educational services.

Jacob Rosenberg is a financial advisor at LPL Financial with 26 years of industry experience. He holds the PFS™ designation and Series 66 license. Prior to joining LPL Financial in 2025, Rosenberg worked for Cetera and its affiliates for over 25 years and operates Bernath & Rosenberg, P.C., a tax preparation and accounting firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, combining custom strategies with third-party asset management and institutional platforms.

Gil Hazan is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes work at GHG Suppliers LLC from 2019 to 2023 and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and includes unique regulatory registrations that support broader derivatives and commodities capabilities.

Thomas Lucia is a financial advisor with Mass Mutual Investors Services, holding the Series 63 and Series 65 designations and possessing 30 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at Metlife Securities Inc. and New England Securities. Outside of his advisory role, he serves as a notary public for the state of New Jersey. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a focus on collaborative, goal-based planning and a range of event-driven planning services.

Mordechai Worch is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. His prior experience includes a brief period at Mordy’s Smokehouse in 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

William Franko is a financial advisor with Mass Mutual Investors Services in Wall Township, NJ, holding Series 63 and Series 65 credentials and bringing nine years of industry experience. He has worked with Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 2017 and previously held roles at ELANA General Insurance, LLC, ELANA Settlement Architects, and ELANA Advisory Services. Outside of his advisory work, he owns and operates William Franko Tax and Accounting Services, providing tax preparation and accounting services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning using firm-approved analytical tools.

Matthew Fletcher is a financial advisor with Mass Mutual Investors Services in Brick, NJ, holding Series 65 and Series 63 credentials and four years of industry experience. Prior to joining Mass Mutual Investors Services in 2021, he worked at MAG Aerospace and AASKI Technology. Outside of his advisory role, he umpires travel baseball games in New Jersey. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning relationships.

Saverio Sestito is a financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, Ernst & Young, and South Wake Capital. He operates an insurance agency affiliated with Prudential as part of his outside business activities. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, third-party asset management, and insurance product sales through affiliated entities.

Richard Shaughnessy is a financial advisor with OSAIC Wealth, Inc, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at LPL Financial LLC, Ameriprise Financial Services, Inc., Guardian Life, and UBS Financial Services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services focused on model-based asset allocation and portfolio optimization, utilizing various programs such as Unified Managed Accounts and third-party money manager strategies.

Robert Clayton Jr. is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at TFS Securities, Inc., The Investment Center Inc., and IC Advisory Services Inc. He serves as a board member of the Carmine Brady Foundation, a nonprofit charitable organization. Mass Mutual Investors Services is an SEC-registered broker-dealer and investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual planning engagements supported by firm-approved analytical tools and offers additional planning services such as divorce and estate-settlement planning.

Mateo Perez is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. His prior work includes roles at Morey Organization and MassMutual Life Insurance Company. Outside of finance, he has experience working in a café and youth soccer camp settings. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and a variety of programs including estate and employer-sponsored planning.

Caroline Steiger is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. She has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through proprietary research and a broad array of capital markets services.

Pasquale Rinaudo is a financial professional with 25 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Mid Atlantic Resource Group, Minnesota Life Insurance Co, and Securian Financial Services. Outside of his advisory role, he works as an independent contractor accountant and is involved as a salesperson with Ana's Floral Garden's Inc. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or build customized strategies.

Gracia Simms is a financial advisor at Primerica Advisors with six years of industry experience. She holds Series 65 and Series 63 licenses and has worked at PFS Investments Inc since 2020 and Primerica Financial Services since 2019. In addition to her financial career, she has been affiliated with Newark Beth Israel Medical Center since 2004. Primerica Advisors is a large institutional firm managing approximately $15.5 billion in assets for individual, corporate, and charitable clients. The firm offers a wrap-fee asset management program using model-based strategies developed by third-party managers, supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Robert Mcneill Jr. is a financial advisor at Equitable Advisors with 16 years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors since 2010, including its predecessor entity Axa Advisors. Outside his advisory role, he is involved in healthcare insurance services through Medicare and coordinates disability and long-term care insurance agreements with multiple providers. Equitable Advisors serves a broad range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and a combination of proprietary and third-party advisory models and programs.

Ricardo Astacio Felix is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked with Primerica and its affiliated entities since 2011. Outside of his advisory role, he serves as a remote online notary. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while operating under a tiered wrap-fee structure.

Scott Mondry is a financial advisor with Edward Jones in Toms River, NJ, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and maintains additional capabilities such as a trust company and securities-based lending.