Albert Kobular is a financial advisor with Merrill in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Merrill since 1987 and has been affiliated with Bank of America, N.A. since 2011. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Welsh is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His career includes roles at Citizens Securities, Santander Securities, LPL Financial, Cetera Investment Services, and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process incorporates centralized due diligence with both quantitative and qualitative research and includes broader derivatives and commodities capabilities.

James Rinkewich is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Avantax Advisory Services and Avantax Insurance Services. Outside of his advisory role, he operates a tax preparation and accounting business as a sole proprietor. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services with access to multiple program structures and third-party money managers.

Gary Lordi (Sr) is a financial advisor with LPL Financial, holding over 31 years of industry experience. Prior to joining LPL Financial in 2023, he spent 28 years with Cadaret, Grant & Co., Inc. He is also involved in tax preparation and accounting services through his work with MKN Financial Services and his own CPA practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions through a broad range of financial planning and advisory services, supported by extensive technology and a large network of more than 22,800 advisors.

Allen Laster is a financial advisor with Edward Jones, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Edward Jones, he worked at R. Neuhaus & Associates LLC and has experience in education and community roles. He also supports a family daycare business by managing its finances. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary strategies. The firm manages over $1 trillion in assets and operates a large network of financial advisors and branch offices across the United States.

Stephen Kuczynski is a financial advisor at Osaic Wealth Inc. He holds a Series 66 designation and has nine years of industry experience. His prior firms include LPL Financial, LLC and Ameriprise Financial Services, Inc. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a variety of brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a multi-advisor platform incorporating third-party managers and proprietary investment models.

Michael Phillips is a CFP® with 49 years of experience in the financial industry. He is currently affiliated with OSAIC, where he has worked since 1990, and previously operated Phillips Financial Services, Inc. from 1994 to 2008. Outside of his advisory role, Phillips serves as a volunteer commission member addressing local environmental concerns at Lake Topanemus in Freehold, NJ, and holds a state notary public license. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through multiple programs. The firm employs a model-based investment process with various portfolio management options and is noted for its scale, complex affiliate network, and private-equity ownership.

Elena Ristov is a financial advisor at J.P. Morgan Securities in Freehold, NJ, holding Series 63 and Series 66 licenses with 13 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting.

Christian Alino is a financial advisor with J.P. Morgan Securities in Toms River, NJ, holding a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Equitable Financial Life Insurance and Equitable Advisors. Outside of finance, he has experience managing hospitality operations at The Shrimp Box and Outside the Box Patio Bar. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The program incorporates centralized due diligence, quantitative and qualitative research, and may use ESG criteria in its recommendations.

Justin Lotano is a financial advisor with LPL Financial in Colts Neck, NJ, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Wells Fargo Clearing, and Ameriprise. He is also an author, engaging in book publishing outside of his advisory work. 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, supported by a large network of investment adviser representatives.

Gregory Bahary is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2007. Prior to his advisory role, he has been involved as president and consultant of Gossip Records Inc., a record label and music publishing business. Edward Jones is a wealth management firm serving individual and institutional clients with a range of advisory services, including discretionary and non-discretionary strategies, managed accounts, and affiliated mutual funds. The firm has a large national presence with over 23,000 advisors and provides additional capabilities such as trust services and securities-based lending.

Yaakov Krumbein is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their priorities and assists them in developing strategies to pursue their short-, mid-, and long-term financial goals. He provides guidance on a variety of financial needs including investing, retirement planning, and preparing for unforeseen circumstances. His areas of expertise include family wealth management strategies, legacy planning, liquidity management, managing new wealth, individual and corporate investment strategy, tax minimization, and retirement income. Yaakov holds professional designations as an Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Yaakov earned a Bachelor's Degree from Fairleigh Dickinson University and a Master's in Financial Planning from the College For Financial Planning. Outside of work, he enjoys adventure sports, hiking, spending time with his family, and playing table tennis.

Thomas Mc Dermott is a CFP® with six years of industry experience, currently affiliated with Cetera. He has held roles at multiple firms including Avantax and Prudential Advisors. Outside of his advisory duties, he assists with bookkeeping and tax return preparation at MP McDermott & Associates and supports client communications at Zonin Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporations, charities, and institutions. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various discretionary and non-discretionary investment programs.

Samuel Di Gaetano is a financial advisor with Mass Mutual Investors Services in Wall Township, NJ, holding Series 63 and Series 65 credentials and nine years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Insurance Company since 2017. Outside of his advisory role, he is involved in multiple insurance brokerage activities and engages in energy services referrals for a client’s business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, wrap and money-manager programs, and educational seminars, structuring engagements as annual collaborative relationships using firm-approved analytical tools.

Adam Potulski is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds the Series 66 designation and has previously worked at Ameriprise Financial Services Inc and PNC Financial Services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-oriented planning using firm-approved tools and offers a range of event-driven planning programs.

Margarita Mayor is a financial advisor at Equitable Advisors with 21 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Equitable Advisors since 2016, following a tenure at AXA Advisors, LLC. Outside of advisory work, she serves as Co-President of The Woman's Club of Asbury Park, where she organizes fundraising events and sets meeting agendas. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a variety of investment programs and third-party managers to tailor solutions based on client risk tolerance and financial goals.

Ronald Maset is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and provides both brokerage and advisory solutions.

Giovanni Santillo is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds a Series 63 designation and previously worked at Citigroup Global Markets for 13 years before joining Wells Fargo in 2020. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets through over 14,000 financial advisors, offering both brokerage and advisory solutions.

David Mattos is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior work includes roles at Royal Alliance Associates and UBS Financial Services. He is based in East Windsor, New Jersey. 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 solutions, utilizing both model portfolios and customized strategies.

Priscilla Baldari is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has spent the last 20 years working within Bank of America Merrill. In her role, she connects all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most to them. Priscilla focuses on delivering comprehensive wealth management and personalized strategies that address today's changing market conditions. Her areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Priscilla holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation as well as the Personal Investment Advisor (PIA) credential. She earned her bachelor's degree from the University of California system. Outside of her professional work, Priscilla enjoys cooking, hiking, music, spending time with her family, and traveling. Her approach emphasizes working one-on-one with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals.