Thomas Defino is a Certified Financial Planner (CFP®) with 41 years of industry experience. He has been with Morgan Stanley since 2009, currently serving in the Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he conducts 90-minute football training sessions and camps for youth through Toms River Football Club and Celtic Elite LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery processes and firm-approved planning tools.

Tanner Preston is a financial professional with one year of industry experience, currently affiliated with Cetera. He holds the Series 66 designation and previously worked at S&P Global. Outside of advisory work, he is involved as an insurance agent providing fixed insurance services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and advisory services, supported by a large network of over 10,000 advisors and more than $256 billion in assets under management.

Joann Polis is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been working since 2001. She collaborates closely with Candice in developing and implementing investment strategies tailored to their clients' needs. Joann's expertise includes college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management services, women and wealth, and retirement income. Joann holds a Master's Degree from Monmouth University and a Bachelor's Degree from Gettysburg College. She also carries the Personal Investment Advisor (PIA) designation. She focuses on helping clients achieve their financial goals through a disciplined and personalized approach to wealth planning, assisting individuals in understanding their complete financial picture to overcome obstacles and reach their objectives. Residing in Middletown, New Jersey, Joann lives with her husband and three daughters. Outside of her professional commitments, she enjoys boating, dancing, spending time with her family, and practicing yoga.

Thomas Williams is a financial advisor with Equitable Advisors, holding a Series 66 designation and 11 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked with Axa Advisors for five years. Outside of his advisory role, he is involved as a laborer in a small aesthetics business. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients with financial planning, retirement consulting, and asset management services. The firm utilizes a variety of advisory programs and third-party asset managers to deliver tailored investment solutions.

Thomas Noon is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at multiple firms including Provident Bank, Lakeland Financial Services, Raymond James Financial Services, and INVEST Financial Corp. prior to his current role. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and reported over $256 billion in assets under management across more than 10,000 advisors.

Matthew Villani is a Series 66 credentialed financial advisor with 19 years of industry experience. He has worked at Bank of America and Merrill from 2006 to 2025 before joining J.P. Morgan Securities in 2025. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Carmela Michaels is a financial advisor with LPL Financial in Manchester, NJ, holding Series 63 and Series 66 licenses and possessing 39 years of industry experience. Her prior roles include extensive tenures at Santander Bank, NA, and Santander Securities, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs supported by in-house and third-party research, utilizing both discretionary and non-discretionary management approaches.

Hirsh Zyskind is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2022, following nine years at Bank of America and Merrill. Outside of his advisory role, he is involved in real estate property management and ownership in New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

Ethan Dzenis is a CFP® professional with three years of industry experience, currently serving as a financial advisor at Equitable Advisors. His background includes roles at Partners Admin, LLC and prior work in education and club management. Outside of finance, he has held positions at San Diego State University, Spring Lake Golf Club, and Manasquan High School. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of advisory programs and third-party asset managers to deliver personalized investment solutions.

Fred Peters is a Senior Financial Advisor with Merrill Lynch Wealth Management. He applies Merrill’s Goals-Based Wealth Management process to help clients pursue meaningful financial objectives by prioritizing clear decision-making and transparency. Fred serves a diverse clientele including business owners, entrepreneurs, retirees, senior citizens, and families with special needs members, developing tailored strategies for short- and long-term financial goals. With over sixteen years of management experience prior to joining Merrill Lynch in 2016, Fred leverages his expertise to address complex financial challenges such as special needs planning, retirement income, philanthropic planning, and personal retirement planning. He holds a Bachelor’s Degree from Richard Stockton College of New Jersey and is pursuing an MBA at Georgian Court University. Fred’s professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fred is active in his community, serving on boards for the Brick Township Chamber of Commerce, Greater Toms River Chamber of Commerce, and Ocean County Family Service Organization, as well as participating with the Brick Township Morning Rotary Club. Outside of work, he enjoys chess, football, music, racquetball, running marathons, spending time with his family, and watching movies. As a military parent, he supports armed forces deployments with personal dedication.

Justine Hughes is a financial advisor at Cetera with eight years of industry experience. She holds the CFP® and ChFC® designations and has worked at several firms, including Securian Financial Services and Mid Atlantic Resource Group. Outside of her advisory role, she volunteers with the Marlboro Township Veterans and Volunteers Committee and serves as bingo chairperson at St. Thomas the Apostle Church. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, and institutional accounts. The firm offers diverse investment solutions through a multi-manager platform, providing advisors with access to affiliated and third-party portfolio management options across various program structures.

Louis Gallipoli II is a financial advisor at Cetera with 26 years of industry experience. He holds a Series 65 credential and has a background that includes ownership and management of a tax preparation and accounting firm, Gallipoli & Gallipoli, PC, as well as involvement in various business activities. He also serves as treasurer for a local soccer club, Jersey Shore United FC, providing organizational advice during its startup phase. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options, incorporating both affiliated and third-party managers, and manages over $256 billion in assets through a network of more than 10,000 advisors.

Christopher Arditi is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including LPL Financial, Santander Securities, and PNC Bank. Outside of his advisory role, he is involved administratively in Sparks Zumba LLC, a fitness class business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Michael Barbieri is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1996. In addition to his advisory role, he receives compensation for part-time referrals of home security, automation products, and other home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap fee structure, focusing on curated models rather than institutional pension or profit-sharing plan management.

Joseph Sarbello is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has been with LPL Financial since 2017 and previously worked at National Planning Corporation from 2015 to 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Anthony Canderozzi is a financial advisor with MassMutual Investors Services, holding the ChFC® designation and Series 63 and 65 licenses. He has 37 years of industry experience, including prior roles at MetLife Securities Inc. and MassMutual Life Insurance Co. Outside of his advisory work, he serves as a board member for Caregiver Volunteers of Central Jersey and is president of the Jackson Township Chamber of Commerce. MassMutual 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 emphasizes collaborative, annual planning engagements using firm-approved tools and offers specialized programs including divorce planning and employer-sponsored planning.

Mark Likes is a financial advisor with LPL Financial in Toms River, NJ, holding Series 63 and Series 66 credentials and 42 years of industry experience. He previously worked at Sagepoint Financial, Inc. and maintains a tax preparation and accounting practice, as well as involvement in mortgage and real estate services through a separate lending entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a variety of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and technology-driven investment strategies.

Karl Lorch is a financial advisor with Mass Mutual Investors Services, holding over 41 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 34 years. In addition to his advisory role, Lorch operates as an independent insurance agent specializing in dental, group disability income, fixed annuities, life, accident, health, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing firm-approved software tools to develop tailored financial strategies.

David Scureman is a CFP® with 12 years of industry experience, currently affiliated with LPL Financial since 2024. Prior to joining LPL, he spent eight years at Wells Fargo Advisors. Outside of his advisory role, he is a co-owner of Freedom Financial Partners, LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of financial planning and advisory services, leveraging model portfolios, third-party research, and various investment strategies.

Alexander Joice is a financial advisor at Equitable Advisors with 25 years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 2001. Outside of his advisory role, he is an associate at Titan Agency LLC, involved in the sale of auto and homeowner's insurance. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm emphasizes matching clients to program models or discretionary managers, utilizing third-party TAMPs and LPL-sponsored advisory programs, while offering a range of investment options including mutual funds, ETFs, and select alternative investments.