Benjamin Kaplowitz is a Senior Financial Advisor at Merrill Lynch Wealth Management. With over 12 years of experience in the financial industry, he specializes in developing personalized financial strategies tailored to the unique needs of his clients. He assists clients with areas including family wealth management, liquidity management, retirement planning, philanthropic planning, portfolio management, small business strategies, and tax minimization. Benjamin holds a Bachelor's Degree and a Master's Degree from Beth Medrash Govoha and carries the designation of Personal Investment Advisor (PIA). He follows Merrill's tradition of community participation and spends time volunteering with organizations in his local community. Outside of his professional work, Benjamin has interests in baseball, basketball, running, and writing. He works one-on-one with clients to develop financial strategies designed to help pursue their long-term goals.

James Jackson Jr is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and bringing 25 years of industry experience. He has been with various Wells Fargo entities since 2010. Outside of finance, he operates Darkechilde Photography, providing event photography services. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, utilizing proprietary research and tools to develop tailored client recommendations.

Craig Reid is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and 37 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors, LLC since 1999. Outside of his advisory role, he is involved with Titan Agency, a property and casualty business. Equitable Advisors serves individuals across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset management programs. The firm relies on a network of Investment Adviser Representatives and third-party asset managers to deliver a range of advisory models and fiduciary services.

Mark Vandzura is a financial advisor at Equitable Advisors with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with Equitable Advisors since 2014, having previously worked at Axa Advisors, LLC. Vandzura also serves as a trustee for a family and non-family trust, authorized to facilitate transactions for trust assets custodied at Fidelity. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations, utilizing a range of advisory programs and third-party asset managers.

Daniel Mccoy is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His career includes roles at MetLife Securities Inc. and MassMutual Life Insurance Co. Outside of his advisory work, he serves as a baseball coach at Barnegat High School. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by analytical tools and educational seminars.

Lisa Chirichillo is a financial advisor affiliated with LPL Financial, holding a Series 63 designation and bringing 39 years of industry experience. She has worked with Linsco/Private Ledger Corp. since 1992. Outside of her advisory role, she serves as a notary in Toms River, NJ. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides 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 options supported by technology and a large network of advisors.

Courtney Hogan serves as a Resident Director at Merrill, where she specializes in personalized wealth management strategies. Since beginning her career at Merrill in 2001, Courtney has gained extensive experience working with families, businesses, executives, and retirees. Her approach emphasizes guidance, communication, and service, integrating education and investment insights to support clients' financial goals. She collaborates with a team known as The Pearlman Group, which adopts a comprehensive family office model and works closely with clients' CPAs and attorneys to develop tailored strategies for retirement planning, wealth transfer and preservation, special needs planning, and liability management. Courtney focuses particularly on Corporate Executive Services, Family Wealth Management Strategies, and Women and Wealth. She holds a Bachelor's Degree from the Pennsylvania State University System and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to her professional responsibilities, Courtney participates in various community organizations such as Clean Ocean Action, Girl Scouts, Point Pleasant Youth Football and Cheer, and Save Barnegat Bay. Her personal interests include boating, running, and soccer.

Ryan Dixon is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch for four years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves in advisory roles for multiple registered investment companies.

Paul Ha is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Equitable Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Kenneth Koerner is a CERTIFIED FINANCIAL PLANNER™ professional with 14 years of industry experience, currently affiliated with Cetera. His career includes roles at Avantax Investment Services and 1st Global Advisors, and he has maintained a family business, Koerner & Koerner PA, since 1987. Koerner also manages Koerner Healthcare, LLC, a financial services business based in Toms River, NJ. Cetera Investment Advisers LLC is a large, SEC-registered firm with over 10,000 advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of program options and investment strategies, managing more than $256 billion in assets.

Jeffrey Van Demark is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Morgan Stanley and Citigroup Global Markets. 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 through more than 14,000 advisors and utilizes research and analytics grounded in diversification principles and modern portfolio theory.

Phyllis Caputo is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. She has been with Primerica since 2006 and is also involved with Jersey Strong and IEEE, Inc. Outside of advisory work, she receives compensation related to sales of loan products and referrals for home security and automation services through affiliated entities. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services largely through model-based investment strategies and discretionary separately managed accounts.

Nicole Kevoian is a financial advisor at LPL Financial with four years of industry experience. She holds a Series 66 designation and has worked at LPL Financial since 2021. In addition to her advisory role, she is a licensed notary in New Jersey and is employed as a driver for DoorDash outside of her investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors through a combination of proprietary research, third-party strategies, and technology tools.

Brian Mccaskill is a financial advisor at Thrivent Investment Management with 13 years of industry experience. He holds the Series 66 designation and has worked at Thrivent Financial for Lutherans since 2013. He serves on the board of Your Grandmother's Cupboard, a nonprofit that provides free food and clothing to those in need, and is secretary of Community Services Inc of Ocean County, an organization that delivers meals to elderly individuals. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing comprehensive, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan while keeping services separate.

Daniel Koerner is a CFP®-credentialed financial advisor with 10 years of industry experience. He is currently with Cetera and has prior experience at Avantax Advisory Services, 1st Global Advisors, and runs Koerner & Koerner, PA, an accounting firm where he is a partner. He is also involved with Koerner WealthCare, LLC, providing insurance, tax, investment, and estate planning for closely held business owner clients. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Robert D'Addario is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management. He serves as the senior member of The D'Addario Group in Short Hills, New Jersey. Robert has been with Merrill for over 32 years and has been recognized on Barron's Top 1,500 Financial Advisors list for the years 2022, 2025, and 2026, as well as on Forbes | SHOOK® Best-in-State Wealth Advisors list for nine consecutive years from 2018 to 2026. Robert graduated from Rider University with a Bachelor of Science in Business Administration, concentrating in Finance, where he also participated in ROTC and served as a Field Artillery Officer in the New Jersey Army National Guard. He holds a Master of Business Administration with a concentration in Finance from Fairleigh Dickinson University. He has earned multiple professional designations including Certified Portfolio Manager (CPM®), Certified Private Wealth Advisor (CPWA®), Certified Plan Fiduciary Adviser (CPFA®), and Chartered Retirement Planning Counselor (CRPC™). He actively supports Rider University through participation on the Executive Advisory Council and the Finance & Economics Advisory Council. Robert's expertise includes divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, tax minimization, and retirement income planning. Outside of his professional role, he enjoys golfing, spending time with his family, and traveling.

Margaret Lynch is a financial advisor with Morgan Stanley, holding a Series 66 designation and 23 years of industry experience. She previously worked at Merrill for 14 years before joining Morgan Stanley Smith Barney LLC, where she has been since 2022. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and modeling techniques.

Joseph Stephens II is a financial advisor with Cambridge Investment Research Advisors holding the CFP® and Series 66 credentials. He has eight years of industry experience, including prior roles at Allstate Insurance Co. and related entities. Stephens also serves as Treasurer and board member for the New Jersey chapter of NAIFA. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutions, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals.

Yehuda Goldfein is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill, and Edirect. Prior to his financial services career, he was affiliated with Keser Torah Mayan Hatalmud for seven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Gerard Tischio is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017, following a 32-year tenure at Merrill. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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.