Miguel Coelho is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated entities since 2019, as well as at Summit Financial Group and Summit Brokerage Services earlier in his career. Outside of his advisory role, he is the managing partner of Freedom Capital Group. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers various portfolio management and financial planning services through a multi-manager platform that provides access to affiliated and third-party managers as well as customizable investment strategies.

Colin Dempsey is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has additional experience at Wells Fargo Bank, N.A. since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm offers IPS-driven advisory services grounded in modern portfolio theory, including both discretionary and non-discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Feiden is a financial advisor with Merrill in Toms River, NJ, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has previously worked at Scottrade, Inc. and PNC Investments. Outside of his advisory role, he is a part-time drummer in a classic rock band. 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 model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Shave is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Osaic in Brielle, NJ since 2018. Prior to joining Osaic, he worked at Sii from 2014 to 2018 and has been a partner at SFG Annuity Marketing, Inc. since 1997. He is also involved in financial planning and insurance sales through his activities with Acorn Financial and Acorn Financial Services. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers integrated brokerage and advisory services, employing a range of portfolio construction tools and multiple third-party platforms to provide tailored investment and planning solutions.

Jacob Eisikovic is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 12 years of industry experience. He is also a partner at Eisikovic & Kane, LLP, providing accounting, bookkeeping, tax preparation, and payroll services. Eisikovic has worked at Avantax Advisory Services and Avantax Investment Services, among other roles. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services, utilizing a multi-manager platform with discretionary and non-discretionary strategies across multiple program structures.

Amy Haig is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been with the Toms River, NJ office since 1992 and has 32 years of experience in the financial services industry. In her role, she helps clients manage their personal and business finances and works closely with their accountants and attorneys to develop estate plans. Amy holds a Bachelor's degree from Gettysburg College and a Master's degree from the University of North Carolina at Chapel Hill. She is a CERTIFIED FINANCIAL PLANNER® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Additionally, she holds the Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. Residing on Long Beach Island with her husband and two children, Amy participates in the communities she serves by volunteering with local organizations.

Thomas Ley is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked within various Wells Fargo entities since 2012. Outside of his advisory role, he is a co-trustee of the UW Frances M Ley Testamentary Trust and holds a 90% ownership stake in Manage Money Ley GP, LLC, a merchant partnership. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients’ needs, utilizing proprietary research and tools, with optional implementation through brokerage or advisory programs.

Logan Murphy is a financial advisor with Raymond James Financial in Jackson, NJ, holding a Series 66 designation and one year of industry experience. His prior roles include positions at OSAIC Wealth, Inc. and Northwestern Mutual. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers non-discretionary planning tailored to client goals using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Erick Simonds is a financial advisor at LPL Financial with 23 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, with a combined tenure of 15 years. His credentials include Series 63 and Series 66 registrations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, including model portfolios and retirement plan consulting, supported by research from LPL and third-party subadvisors.

Joe Loiodice is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Bernstein Institutional Services LLC, AllianceBernstein Investments, Inc., Alliance Bernstein L.P., and Four Springs Capital LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader set of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Harry Appel is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His career includes roles at United Planners' Financial Services and Parkwood Associates, where he also serves as owner and pension consultant. Cambridge Investment Research Advisors serves a broad client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides a range of investment strategies, including proprietary models and access to unaffiliated strategists, with both discretionary and non-discretionary options tailored to client objectives.

Evette Johnson is a financial advisor at Equitable Advisors with a Series 66 designation and four years of industry experience. She has been with Equitable Advisors since 2022 and also has a longstanding role at Sunbeam Preschool. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through a variety of third-party asset managers and LPL programs. The firm employs a hybrid referral and implementation model that combines advisory and brokerage services tailored to client goals and risk tolerance.

Kurt Akersten is a financial advisor at Fidelity with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Citigroup. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including advisory roles for registered investment companies and a Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage diversified model portfolios.

Karen Capen is a financial advisor at Raymond James Financial with 21 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Raymond James since 2017. Outside of her advisory role, she is an independent contractor at Banyan Wealth, where she operates as a Service Associate. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Gregory Mack is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joshua Hillman is a financial advisor at RBC Capital Markets with 27 years of industry experience. He holds a Series 63 designation and has previously worked at Wells Fargo Advisors LLC, Wells Fargo Clearing, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients’ risk profiles and utilizing both in-house and third-party investment managers.

Anthony Karpowich is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Wells Fargo Advisors since 2016 and owns Gold Star Wealth Management, LLC, an investment-related business. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and business-owner transition planning. The firm uses proprietary research and tools to develop tailored recommendations delivered through meetings and written summaries.