Caroline Steiger is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. She has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through proprietary research and a broad array of capital markets services.

Daniel Merker is a CFP® and PFS™ credentialed financial advisor with 14 years of industry experience. He is currently affiliated with Cetera, having joined the firm in 2025, and previously spent significant time at Avantax in various advisory and insurance roles. Outside of his advisory work, he assists with tax preparation and accounting through his involvement with Brendon Pierson, Inc. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, with access to various program structures and third-party money managers.

David Caruso is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliates since 2009. Outside of his advisory work, he serves as a board member and finance committee member for the Marco Island Art League in Florida. 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 and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Secular Return Estimates and Monte Carlo simulations.

Pasquale Rinaudo is a financial professional with 25 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Mid Atlantic Resource Group, Minnesota Life Insurance Co, and Securian Financial Services. Outside of his advisory role, he works as an independent contractor accountant and is involved as a salesperson with Ana's Floral Garden's Inc. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or build customized strategies.

Robert Mcneill Jr. is a financial advisor with Equitable Advisors, holding a Series 66 designation and 15 years of industry experience. He has been with Equitable Advisors since 2010, and previously worked at AXA Advisors. In addition to his advisory role, he has business activities related to healthcare and disability insurance through arrangements with several insurance providers. Equitable Advisors serves individual clients, pension plans, corporations, and charitable organizations with financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of investment strategies including third-party advisory models and offers fiduciary services to qualified plans through its network of Investment Adviser Representatives.

Scott Mondry is a financial advisor with Edward Jones in Toms River, NJ, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and maintains additional capabilities such as a trust company and securities-based lending.

David Wray is a financial advisor at Edward Jones with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Frederick Cordisco is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and over 31 years of industry experience. He previously worked at UBS Financial Services for 11 years and has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank since 2023 and 2024, respectively. Outside of his advisory work, he serves as a board member at Grace and Peace Church and volunteers counseling men in recovery at America’s Keswick Colony of Mercy. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and methodologies.

Steven Goldsmith is a CFP® and ChFC® with 35 years of industry experience. He is currently affiliated with LPL Financial, where he has worked since 2019 following a 29-year tenure at Ameriprise Financial Services, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with a range of discretionary and non-discretionary management options supported by in-house and third-party research.

Vincent Hirsch is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 20 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC for nearly two decades. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering both advisory and brokerage services through a platform that integrates financial planning, model portfolios, and access to third-party asset management programs.

Leif Pettersen is a financial advisor with LPL Financial who holds a Series 66 designation and has 24 years of industry experience. He has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from internal and third-party sources.

Paul Ranieri is a financial advisor with Osaic Wealth, Inc. and holds Series 63 and Series 65 licenses. He has 29 years of industry experience and previously worked at Securities America Advisors, Inc., Securities America, Inc., and Securities Service Network, Inc. Outside of advisory work, he is also an insurance agent specializing in fixed annuities, equity indexed annuities, and life insurance. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services and uses various asset-allocation and portfolio construction tools to provide customized investment solutions.

Michael Rytelewski is a CFP® professional with four years of industry experience, currently affiliated with Cetera. Prior to joining Cetera, he worked with Avantax Investment Services and operated Oujo Wealth Strategies. Outside of financial advising, he manages Mavs Performance Institute, where he trains athletes and provides nutritional instruction. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Brian Fullman is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at LPL Financial since 2024 after over two decades at American Portfolios Financial Services, Inc. He is also a notary public in Brick, New Jersey. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Gregory Martin is a financial advisor with Ameriprise in Howell, NJ, holding a Series 66 designation and 17 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2008. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria, offering written Recommendation Reports that address income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and algorithmic tools to generate tailored recommendations and offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Michael Schiller is a financial advisor with Equitable Advisors, holding the Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Equitable Advisors since 2001, following a prior tenure at Axa Advisors, LLC. Outside of his advisory role, Schiller manages an inventory business and operates a property and casualty insurance agency. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and various third-party and proprietary advisory programs.

Joseph Giles is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 registrations and 25 years of industry experience. He has been with Equitable Advisors since 2001, having previously worked at Axa Advisors, LLC for 19 years. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and leverages third-party asset managers and sponsored advisory programs.

Diane Lassota Carter is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wachovia Bank, N.A. She is based in Bayville, NJ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joseph Cannova is a CFP® and PFS™ credentialed advisor with 30 years of industry experience. He has been with Cetera since 2025 and previously worked at Avantax Advisory Services and related entities for three decades. He also owns a financial planning and accounting practice, providing tax preparation and asset management services for individuals and small businesses. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services supported by a large network of independent advisors.

Parker Nickelsen is a financial professional with the Series 66 designation currently affiliated with Mass Mutual Investors Services. He has one year of industry experience and prior work history that includes roles at Fritzies Wine & Liquor and Grinta Equipment. Outside of finance, he has ongoing involvement with Gambler Ridge Golf Course and community activities in Borough Seaside Park. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers a range of planning programs including divorce and estate-settlement services and conducts educational seminars.