Keith Dewey is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He worked at various Prudential entities from 2001 to 2020 before joining Equitable Advisors in 2020. Dewey serves as an Honorary Commander at Joint Base McGuire-Dix-Lakehurst, a role involving community engagement unrelated to investment advising. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a range of advisory programs and third-party managers to tailor investment solutions, operating without its own wrap fee program and maintaining affiliations with multiple asset managers and an insurance distribution affiliate.

Melissa Dineen is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 13 years of industry experience. Her career includes roles at Kearny Bank, Santander Bank, and Investors Bank. She is based in Toms River, NJ. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a multi-manager platform with over 10,000 advisors and approximately $256 billion in assets under management.

James Rice is a CFP® with 41 years of experience in financial advising, currently with OSAIC since 2006. He has prior experience at Investment Advisors Asset Management, LLC and IAC Advisory Services, Inc. Rice also manages an individual planning practice through Investment Advisors Wealth Management, LLC, focusing on investments, insurance, and financial planning. OSAIC Wealth serves a diverse clientele including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services supported by a model-based investment process that emphasizes asset allocation and portfolio optimization.

Thomas Defino is a financial advisor with Morgan Stanley in Toms River, NJ, holding a Series 66 designation and three years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley, as well as prior work at Venture Solar, Unum, and Theory. Outside of finance, he is involved in soccer training through his role at Celtic Elite Training Academy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Jason Ritter is a financial advisor at Equitable Advisors with 12 years of industry experience. He holds the Series 63 and Series 66 credentials and previously worked at Axa Advisors, LLC. Outside of advisory services, he is involved with Professional Group Plans, Inc., a health insurance business. Equitable Advisors serves a wide range of clients including individual investors, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party advisory solutions, offering services across mutual funds, ETFs, separately managed accounts, and selected alternative investments.

Thomas Shapero is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked at Wells Fargo Clearing from 2016 to 2022. He owns Beacon Wealth Advisors, LLC and is involved in Shapero GP, LLC, a merchant partnership. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, combining advisory services with other financial product offerings.

Michael Clark is a financial advisor at OSAIC with 44 years of industry experience. He holds the Series 66 designation and has worked at OSAIC since 2024. Prior to joining OSAIC, Clark was with American Portfolios Financial Services, Inc. for 18 years and has operated Michael F. Clark Associates since 1980. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization and supports a range of investment programs delivered through affiliated broker-dealer and RIA relationships.

Vincenzo Barba is a CFP® with 32 years of industry experience, currently affiliated with LPL Financial in Manasquan, NJ. He previously operated the V. Barba Company for 15 years while maintaining his role at LPL Financial since 2003. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools.

Denise Wiggins is a financial advisor with Equitable Advisors, holding a Series 66 designation and 13 years of industry experience. She has been with Equitable Advisors since 2014 and previously worked at Axa Advisors. In addition to her advisory role, she operates Denise Wiggins Certified Public Accountant LLC. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Anthony Pecoraro is a financial advisor with Equitable Advisors, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors since 2007, including its predecessor AXA Advisors, LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program referrals.

Erin Lindquist is a CFP® with four years of industry experience, currently serving as a financial advisor at Cetera. She has previously worked with Avantax Advisory Services and Avantax Insurance Agency, and maintains a financial advisory role at Zonin Wealth Management, where she provides values-based financial planning and portfolio management. Additionally, Erin is a Notary Public in New Jersey. Cetera Investment Advisers LLC is an SEC-registered firm supporting a large network of independent advisors and serving a diverse client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through multiple program structures and custodial relationships.

Anthony Desarno is a financial advisor at Fisher Investments with 11 years of industry experience. He holds Series 65 and Series 66 designations and has previously worked at Guggenheim Funds Distributors, LLC and Massachusetts Mutual Life Insurance Company. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services.

John Sheridan is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has worked with Merrill since 2008, with a two-year tenure at Northwestern Mutual Investment Management from 2011 to 2013. 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 offers a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Morelli is a financial advisor with Mass Mutual Investors Services in Wall Township, NJ, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked with MML Investors Services, LLC and Massachusetts Mutual Life Insurance Company since 2017 and has been involved with Creative Financial Strategies since 2016. Outside of his advisory role, he owns and operates a cleaning company and has interests as a shareholder in a distilling company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements supported by analytical tools and offers additional programs such as divorce and employer-sponsored planning.

Brendon Pierson Jr. is a CFP® with 34 years of industry experience, currently affiliated with Cetera since 2025. His prior work includes long tenures at Avantax Advisory Services and Avantax Investment Services, as well as experience with Avantax Insurance Agency and Bp Franchise Consultants LLC. He also operates a tax preparation and accounting business, Brendon Pierson, Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers multiple portfolio management options through a multi-manager platform, combining affiliated and unaffiliated managers and various program structures across discretionary and non-discretionary authorities.

Nicole Bartolomeo is a financial advisor at UBS Financial Services with eight years of industry experience. She previously worked at Morgan Stanley Smith Barney for 14 years before joining UBS in 2024. She holds the Series 66 designation. 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 combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

George Psaradakis is a financial advisor at LPL Enterprise with four years of industry experience. He holds a Series 66 designation and has worked at firms including Vincent Hirsch Financial Services and Pruco Securities LLC. Outside of his advisory role, he is a business owner at WYS Media and serves as a notary. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Thomas Comer is a Series 66-credentialed advisor with Equitable Advisors, based in Point Pleasant, NJ. He has 24 years of industry experience, all with Equitable Advisors and its predecessor, Axa Advisors. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing a mix of third-party managers and firm-offered solutions.

Nicole Flanzbaum is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for 11 years before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methods such as Global Investment Committee estimates and Monte Carlo simulations.

Monika Santos is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and possessing 18 years of industry experience. She has been with Fidelity since 2012, including roles at Fidelity Personal and Workplace Advisors from 2018 to 2025. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base including retail and institutional investors, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment approach.