Jeffrey Shapiro is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 38 years of industry experience. Prior to joining Mass Mutual in 2017, he worked at MetLife Securities Inc. from 2015 to 2017. He is also an independent insurance agent specializing in life, accident, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved analytical software and provides a range of investment and educational services.

Eun Jin Cambio is a financial advisor at Fidelity with nine years of industry experience. She has held roles at Fidelity Investments and Fidelity Brokerage Services since 2017, following seven years at Northfield Bank. Cambio holds Series 66 and Series 63 credentials. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios across mutual funds, ETFs, and ETPs, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Frank Fallon is a Financial Advisor at Merrill Lynch Wealth Management with over 16 years of experience in wealth management. He specializes in helping families build and protect their wealth through personalized strategies tailored to their financial goals. His areas of focus include college education planning, family wealth management, legacy planning, liquidity management, managing new wealth, retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Frank holds the Personal Investment Advisor (PIA) designation and has completed a non-accredited certificate program from The Chubb Institute. He approaches client relationships with prudence, integrity, and commitment, aiming to deliver results that align with each client's unique objectives. Outside of his professional work, Frank enjoys baseball, basketball, boating, boxing, chess, cooking, football, hiking, music, and spending time with his family.

Thomas Kunz is a financial advisor with Primerica Advisors in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Advisors since 1989 and Primerica Financial Services since 1991. Outside of investment advisory, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on retail clients rather than institutional or pension plan management.

Richard Thomas is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Cetera and its affiliate Cetera Investment Services LLC since 2001 and also maintains a long-term role at The Provident Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with various program options and oversight structures.

Joseph Pearce is a CFP®-designated financial advisor with 27 years of industry experience, currently serving clients at LPL Financial since 2019. Prior to joining LPL, he worked for 14 years at Ameriprise Financial Services. In addition to his advisory role, he is involved in operational support for his wife's interior design business in Point Pleasant, NJ. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house research, third-party subadvisors, and advanced portfolio management technologies.

Richard Quense is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 34 years of industry experience. His career includes roles at Mid Atlantic Benefit Strategies and Allied Wealth Partners, among others. He is also active as an agent/broker in fixed insurance sales with several firms. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and advisory services through a multi-manager platform that supports discretionary and non-discretionary strategies across multiple program structures.

Sean Flaherty is a Wealth Management Advisor with Merrill Lynch Wealth Management and a 28-year veteran of the firm. He focuses on providing individually tailored investment management, tax minimization strategies, estate planning, and wealth preservation for affluent clients. Sean develops personalized financial strategies using Merrill Lynch’s global resources and works closely with specialists and clients' other advisors to meet complex wealth management needs. Sean holds a Bachelor's Degree from Lynn University and is a graduate of the Merrill Financial Advisor's Program at the Wharton School, University of Pennsylvania. He also holds the Personal Investment Advisor (PIA) professional designation. Sean is involved with multiple cancer and heart disease charities and maintains an active lifestyle that includes golf, tennis, surfing, and coaching youth sports. He is a cancer survivor and supports medical institutions that contributed to his recovery.

Thomas Wieczerak is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 35 years of industry experience, including roles at MetLife Securities, New England Securities, and Provident Mutual. In addition to his advisory work, he is an independent insurance agent specializing in dental, group disability income, fixed annuities, life, accident and health, long-term care, and Medicare-related products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars with a collaborative, software-supported planning approach.

Christopher Kelly is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and having 22 years of industry experience. He has worked at Equitable Advisors since 2011, with prior experience at Axa Advisors, Wells Fargo Clearing, Merrill, and Banc of America Investment Services. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm uses a range of advisory models and third-party program sponsors, offering mutual funds, ETFs, separately managed accounts, and select alternative investments, including ERISA fiduciary services for qualified plans.

David Crossan is a financial advisor at LPL Financial with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. He also serves as president of Shoreline Insurance Solutions, an insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, 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 and access to research and model portfolios.

Keith Onto is a financial advisor with Equitable Advisors, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. He has worked at Equitable Advisors since 2013 and was previously with Axa Advisors, LLC. Outside of his advisory role, he is involved with Zenith Marketing Group Inc., a health insurance business. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of investment tools and third-party managers, focusing on matching clients to suitable advisory models through a network of Investment Adviser Representatives.

Daniel Stizza serves as the Senior Resident Director at the Toms River Branch of Merrill, where he leads the Stizza Clawson Group to provide advisory services tailored to affluent individuals and corporations locally and nationally. His expertise includes divorce transition planning, personal retirement planning, tax minimization, and retirement income, underpinned by thoughtful, tax-sensitive investment guidance aimed at supporting clients' lifestyles, retirement needs, and legacy goals. Daniel holds a Bachelor's degree from The College of New Jersey and is a CERTIFIED FINANCIAL PLANNER® professional, also holding the designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He serves as a board member of the RWJ Monmouth Medical Southern Campus Charitable Foundation. Residing in Point Pleasant Beach with his family, Daniel is engaged in his community through involvement with the Make a Wish Foundation, Point Pleasant Beach Little League, and the Point Pleasant Beach Recreation Committee. He coaches his son's little league team and emphasizes giving back, as reflected by the name of his boat, the "Give Back Sea."

Molly Staffordsmith is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Equitable Advisors in 2023, she held roles in real estate marketing and public relations, including serving as Director of Marketing and Online Public Relations for Keller Williams Shore Properties. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Joseph Papandrea is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds the Series 66 designation and has been with UBS since 2015. UBS Financial Services 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 plans to clients’ goals and risk tolerances.

Eric Karlik is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and having 13 years of industry experience. His career includes roles at Mass Mutual Insurance Company since 2016 and MetLife Securities Inc. from 2015 to 2017. Outside of advisory work, he operates as an independent insurance agent selling various insurance products through Ashar Group, LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars using firm-approved tools and structured annual planning engagements.

Brian Ahearn is a financial advisor at Equitable Advisors with 17 years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2009, previously associated with Axa Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both firm-offered programs and third-party advisory solutions.

Raymond Sura is a financial advisor with Raymond James Financial, holding a Series 66 designation and bringing 24 years of industry experience. He has worked extensively with Fulton Financial Advisors and related entities since 2013. In addition to his advisory role, he is an enrolled agent and tax preparer at ASWealth Tax Professionals and has authored a book that he markets independently. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary investment consulting and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Alyssa Cannuli is a financial advisor with Raymond James Financial, holding a Series 66 designation and 10 years of industry experience. She previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. from 2015 to 2019 before joining Raymond James Financial Services, Inc. in 2020. Alyssa is also licensed as a broker in non-variable insurance, selling disability, whole, term, and life insurance. 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 institutional clients. The firm offers tailored non-discretionary planning using risk profiling and analytical tools and supports its clients through various advisory programs and institutional consulting services.

Tracy Montgomery is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 1996, also working with Bank of America since 2014. Outside of her advisory role, she serves as the executor of a family estate. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.