Christina Hammond is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she worked at Kayo Conference Series and Producify. Outside of her advisory role, she bartends on weekends at the Beachwood Yacht Club, a sailing club in Beachwood, NJ. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

David Belicose is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and 10 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to tailor services based on client goals, risk tolerance, and time horizon.

Michael Gannon is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market scenario modeling in its financial planning process.

James Giordano is a financial advisor at LPL Financial with 15 years of industry experience and holds the Series 66 designation. Prior to joining LPL Financial in 2025, he worked at Sorrento Pacific Financial, LLC for 11 years and at OceanFirst Bank for four years. He also owns Coastal Accounting Services LLC, which provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from internal and third-party sources.

Michael Lewandoski is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2010. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to multiple program structures and third-party money managers, managing over $256 billion in assets.

Beth Ulrich is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 65 licenses and has 20 years of industry experience. She has been with MML Investors Services Inc and MassMutual since 2010. Outside of her advisory role, she is also licensed as a sales agent in life and health insurance. 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 provides ongoing financial planning and asset management services through collaborative, annual engagements using firm-approved analytical tools.

Mark Loevinger is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads The Loevinger Group, which focuses on building enduring client-advisor relationships through objectivity and ongoing dialogue. The team specializes in wealth management for high-net-worth individuals and corporate 401(k) and employee benefit services, including expertise in complex benefit plans. Mark and his team customize wealth management strategies to help clients pursue financial goals, often collaborating with clients’ tax and legal advisors on tax-efficient planning. They regularly review plan progress to ensure alignment with clients’ objectives, utilizing the full range of Merrill Lynch resources and specialists to deliver comprehensive and customized financial solutions. Mark has been with Merrill Lynch since 2011 and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Beth Medrash Govoha. Mark is active in his community, volunteering with organizations such as Chai Lifeline and Nesivos. He resides with his family in Ocean County, New Jersey. His client focus areas include divorce transition planning, executive compensation, endowment and foundation services, defined benefit and contribution plans, liquidity management, managing new wealth, portfolio management, small business strategies, and tax minimization. Mark’s approach involves leveraging the combined investment insights of Merrill Lynch and the banking and lending solutions of Bank of America to help clients achieve their financial goals.

Christopher Urso is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked for CUSO Financial Services, LP for 13 years before joining LPL Financial in 2025. Outside of his advisory role, Urso is a board member of the James T. Reedy, Sr Scholarship Fund and is involved in artistic and musical business ventures. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by research from LPL and third-party subadvisors.

Anne Kraljic is a financial advisor at Osaic Wealth, Inc. with 25 years of industry experience. She holds a Series 66 designation and has previously worked at Securities America Advisors and Invest Financial Corp. Kraljic serves on the boards of several nonprofit organizations, including Caregiver Volunteers of Central Jersey, 21 Plus, and the Ocean County College Foundation, where she is also a member of the finance committee. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, investment planning, and access to third-party money managers, using various tools and platforms to construct diversified portfolios.

Michael Andrieu is a Certified Financial Planner (CFP®) with 21 years of industry experience. He is currently with Morgan Stanley, having worked previously at UBS Financial Services for 11 years. Outside of his advisory role, he is a partner at Pop Sports Nutrition, a nutrition and weight loss service. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis.

Michael Rodriguez is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America, N.A., among other firms. 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, and institutional investors.

James Berger is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and over 36 years of industry experience. He has worked with Wells Fargo Financial Network LLC since 2009. Outside of his advisory role, he is a principal in JB Group LLC, where he dedicates significant time managing that business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with multiple financial product offerings.

Stephanie Rathbone is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. She has worked at Wells Fargo Advisors since 2021 and previously spent six years at Ameriprise Financial Services. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition and sports & entertainment planning, using proprietary research and tools to develop tailored recommendations.

William Fence is a financial advisor with LPL Financial, holding a Series 66 designation and 35 years of industry experience. His prior roles include long tenures at American Portfolios Financial Services, Inc. and K & R Tax And Financial Service. Outside of advisory work, he operates Fence Financial Tax Services LLC, providing tax preparation and accounting services, and is a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services supported by model portfolios and research from LPL Research and third-party providers.

Jesteffer Annichiarico is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America, Merrill, and Walmart Inc. since 2015. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Joann Charney is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. She has been with Bank of America and Merrill since 2006. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.

Brian Trause is a financial advisor with Equitable Advisors in Point Pleasant, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2005, including its predecessor Axa Advisors. Outside of his advisory role, he is involved with Athos Benefits Consulting, which focuses on group benefits. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through various third-party programs. The firm operates a hybrid referral and implementation model, combining advisory and brokerage services with a range of third-party asset managers.

Yonathan Youshei is a financial advisor at Morgan Stanley in Toms River, NJ, holding a Series 66 designation with less than one year of industry experience. His prior roles include positions at the Torah Academy of Boston, Johns Hopkins Business School, and Metropolitan Commercial Bank. Morgan Stanley Wealth Management serves individual and institutional clients by providing a variety of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Paul Costadina is a financial advisor at LPL Financial with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Grove Point Advisor, LLC and Grove Point Investments, LLC. Costadina also has a longstanding role at Two River Mortgage & Investment, Inc., a mortgage and real estate services business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, supported by research and technology-driven investment solutions.

Helen Eglentowicz is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2014. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.