Zachary Hammond is a Series 66 licensed financial advisor with Edward Jones, where he has worked since 2009, totaling 17 years of industry experience. He serves as president of a local networking organization, BNI, and is a board member of the Great Lakes Wrestling Foundation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large retail advisor and branch footprint alongside additional affiliated services.

Brian Dugan is a financial advisor with Ameriprise in Margate City, NJ, holding a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, he worked at the University of Delaware and Seaview Fuel. He is also co-owner of 1309 Group, Inc., where he manages an advisory business. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports. The firm integrates algorithmic automation with oversight and emphasizes products from affiliated firms within its broad range of advisory, brokerage, and insurance 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.

George Bellos is a financial advisor with Wells Fargo Clearing in Margate, NJ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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, offering a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Christine Cullen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and over 31 years of industry experience. She has worked with Wells Fargo Clearing since 2003, with a brief period at Prudential Equity Group, LLC in 2002-2003. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through a broad range of investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

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, he and his team provide comprehensive wealth management services to clients across the United States, addressing concerns such as wealth growth and preservation, tax mitigation, legacy planning, and charitable giving. Roger guides clients through a consultative, time-tested process that goes beyond investment advice to develop financial strategies tailored to each client’s unique needs and circumstances. Roger began his career in 1999 and has developed a professional practice that evolves with industry changes and trends. He holds several professional designations including Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Retirement Management Advisor (RMA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a graduate of Ramapo College, where he earned a Bachelor's degree in International Business with minors in Spanish and Italian. He is actively involved in various professional and community organizations, serving on boards such as the Investments & Wealth Institute and multiple local educational and community groups including the Assumption Catholic Regional School and Atlantic Cape Community College Foundation. Roger also contributes to several diversity and inclusion committees within Merrill and participates in community activities, including coaching the Galloway United Soccer Team. He speaks multiple languages including Portuguese, Spanish, Italian, French, and English.

Evan Herring is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory in its investment evaluations.

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.

Charles Fahy is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Outside of finance, Fahy owns Fahy Golf Services, where he provides golf instruction and advice. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning that utilizes structured discovery conversations and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Peter Perfetti is a CFP® professional with 20 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He also serves as a notary in Linwood, NJ. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by extensive research and analytics.

G Keever IV is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with LPL Financial since 1999. Beyond his advisory role, he has been involved in fixed insurance sales through Covenant Wealth Strategies, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing various model portfolios, third-party subadvisors, and customized strategies.

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 worked with Wells Fargo Clearing and First Clearing since 2016. 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 combines research from Wells Fargo Investment Institute with third-party analytics to support its investment approach.

Mark Adams is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 31 years of industry experience. He has been with LPL Financial since 2009, following roles at Mutual Service Corporation and Osaic FA, Inc. In addition to advising, he spends a portion of his time selling life and disability insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

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.