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.

Manuel Aponte is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He has been with Wells Fargo since 2016 and previously worked at Morgan Stanley DW Inc. from 2002 to 2006. He serves as a board member and chairman of the Township of Egg Harbor Planning Board in Egg Harbor Township, NJ. Wells Fargo Advisors is a national securities firm that offers 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 both brokerage and advisory solutions, utilizing research and analytics to support diversified investment strategies.

Niall Bridgeman is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at LPL Financial since 2008 and previously held roles with Raymond James Financial Services, Wells Fargo Clearing, and Wachovia Securities. Outside of his advisory role, Bridgeman is a qualified tax return preparer and teaches accounting and introductory business courses at Mainland Regional High School. 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 portfolios, third-party asset management, and institutional platforms, supported by advanced research and operational tools.

John Shirk is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. In addition to his advisory role, he is a 32% owner of Fortress Financial LLC, a separate investment-related business based in Ocean City, NJ, where he dedicates substantial time. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning services and uses proprietary research and tools to develop tailored client recommendations.

Taylor Neithardt is a financial advisor with Ameriprise in Linwood, NJ, holding the Series 66 designation. He has prior experience at AtlantiCare Regional Medical Center and served six years in the United States Air Force. Neithardt has been with Ameriprise since 2025. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning advice through a written Recommendation Report and ongoing support.