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.

Nathan Petrinec is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at Edward Jones since 2003. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved with Market Team Associates in market research. 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 solutions supported by a large network of financial advisors and branch offices, managing approximately $1.01 trillion in assets.

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 at Wells Fargo Clearing with 31 years of industry experience. He holds a Series 63 designation and previously worked at A. G. Edwards & Sons, Inc. from 2005 to 2008. Outside of his advisory role, Morhauser is active in his community as president of the Atlantic City Republican Club and serves on the Plaza Condo Association Board in Atlantic City. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, 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, supported by research from Wells Fargo Investment Institute and third-party sources.

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.

Robert Litwin is a financial advisor with LPL Financial in Ocean City, NJ, holding Series 63 and Series 66 licenses and having 27 years of industry experience. Prior to joining LPL Financial in 2018, he worked at PNC Investments LLC and Northwestern Mutual Investment Management. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Charlene Fiedler is a Series 66-licensed financial advisor with Wells Fargo Clearing in Linwood, NJ, and has 21 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at A. G. Edwards & Sons, Inc. from 2007 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Stephen Tulli is a CFP® with over 31 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2019, following previous roles at Wells Fargo Clearing and Merrill. Outside of his advisory work, he performs as a guitarist and vocalist in regional music venues and weekend bands. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, and supports its advisors with research tools and diverse investment options.

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 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 and offers both brokerage and advisory solutions.

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.

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.

Samuel Matlick is a Series 66-licensed advisor at Wells Fargo Clearing with six years of industry experience. He worked at Analog Shift from 2017 to 2019 and completed his education at Hamilton College between 2013 and 2017. He also serves as a trustee for his father. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm uses research from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory to its investment evaluations.

Dana Palma is a financial advisor with Edward Jones in Egg Harbor Township, NJ, holding a Series 66 designation and six years of industry experience. Prior to joining Edward Jones in 2020, Palma worked at Penn Medicine and Inspira Health Network. Outside of advising, she serves as president of Jarvis Eddie LLC, providing leadership and team-building workshops, and is treasurer of Be Whole Community Development Corp., overseeing financial planning and reporting. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and strategies supported by a large nationwide network of financial advisors and branch offices.