Bryan Perry is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2001 and also associated with Bank of America since 2009. Outside of his advisory role, he serves as a council member for the Borough of Sea Girt, New Jersey. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Victoria Tomaro is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. Her prior experience includes roles at LPL Financial, The Investment Center Inc, Ic Advisory Services Inc, and TFS Securities, Inc. She also operates a financial business under the name Tomaro Financial Group. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals using a variety of portfolio management and model-based solutions tailored to client objectives.

Timothy Cannuli is a financial advisor at Raymond James Financial Services Advisors, Inc. with 28 years of industry experience. He has been with Raymond James since 2009 and also operates as an insurance agent selling life and disability products. Outside of his advisory role, he is a partner in a development LLC and has involvement in a local bakery business through family connections. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting, incorporating risk profiling and analytical modeling to support client goals.

Christopher Gallegos is a financial advisor at LPL Financial with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, Wells Fargo Bank, Merrill, and New England Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad array of financial products.

Francesco Olmo is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. Prior to his advisory role, he worked with Baycrest Partners and served in law enforcement at the Point Pleasant Beach and Little Silver Police Departments. 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 financial planning, portfolio management programs, and institutional platforms, supported by a large network of investment adviser representatives and advanced research tools.

Brian Laux is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 37 years of industry experience. His prior roles include positions at Regal Securities, Victory Capital Advisers, Invesco Advisers, and Russell Investments. Outside of his advisory work, he is involved with Game 7 Sports, a non-investment-related activity. 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 financial planning and portfolio management services through a large network of investment adviser representatives, utilizing a variety of investment strategies and operational tools.

Charles Wehmeyer is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He previously worked at UBS Financial Services for 14 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and an array of advisory programs supported by structured planning tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Christian Alino is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at Equitable Financial Life Insurance and Equitable Advisors. Outside of finance, he has been involved with The Shrimp Box and Outside the Box Patio Bar in a non-investment role. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Ralph Gambino is a Financial Advisor at Merrill Lynch Wealth Management. He works directly with clients to simplify their financial situations and develop personalized strategies that adapt to their evolving goals and lives. Ralph focuses on delivering ongoing guidance tailored to what matters most to his clients and their families. He has experience assisting families nearing retirement, professional athletes, entertainers, and C-suite executives in organizing their financial lives and planning for the future. His areas of expertise include corporate executive services, executive compensation, personal retirement planning, portfolio management services, small business strategies, sports and entertainment, individual and corporate investment strategy, and retirement income. Ralph holds a Bachelor's Degree from the Pennsylvania State University System and a Master's Degree from Felician College. He has earned the designations of Certified Financial Planner (CFP), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional work, Ralph enjoys baseball, golfing, music, spending time with his family, and traveling.

Victoria Collins is a financial advisor at LPL Financial with 12 years of industry experience. She previously worked at Merrill for 23 years and Wells Fargo Advisors for one year before joining LPL Financial. 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 advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Yaakov Krumbein is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their priorities and develop strategies aimed at achieving their short-, mid-, and long-term financial goals. His approach involves detailed discussions of clients' financial objectives, concerns, and questions to provide personalized investment and retirement planning guidance, as well as preparation for unforeseen financial needs. His expertise encompasses family wealth management strategies, legacy planning, liquidity management, managing new wealth, individual and corporate investment strategies, tax minimization, and retirement income. Yaakov holds professional designations including 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 his professional role, he engages in adventure sports, hiking, table tennis, and spending time with his family.

Kenley Ragusa is a financial advisor with Morgan Stanley, holding a Series 66 designation and 20 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2023, he worked at UBS Financial Services from 2009 to 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning and estate strategies, and manages approximately $2.74 trillion in client assets.

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.

Matthew Mahon is a financial advisor with Merrill who holds a Series 66 designation and has 19 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rocco Lepore is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is the sole owner of R Lepore Spa MGMT LLC, a resort rental management business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and firm-approved tools but does not provide individual security recommendations as part of its standalone financial planning program.

Brett Sabio Sr. is a financial advisor at Osaic Wealth, Inc. with 27 years of industry experience. He holds the PFS™ and Series 63 designations and has worked previously at Securities America Advisors, Inc. and Royal Alliance Associates, Inc. In addition to his advisory work, he is a licensed Certified Public Accountant. Osaic Wealth, Inc. serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services along with financial planning, retirement consulting, and access to multiple managed-account solutions.

Matthew Cali is a Wealth Management Advisor with Merrill Lynch Wealth Management, joining the firm in 2006. He provides advisory services focused on income generation, capital preservation, conservative to moderate investment strategies, wealth transfer, and proactive financial guidance aimed at improving clients' financial situations. His expertise includes corporate benefits, family wealth management strategies, legacy planning, personal retirement planning, philanthropic and socially responsible investing, tax minimization, and retirement income planning. Matthew earned a Bachelor of Science degree from Richard Stockton College of New Jersey in 2004. He holds the CERTIFIED FINANCIAL PLANNER® certification, Personal Investment Advisor (PIA) designation, as well as Series 7 and 66 registrations through FINRA. Additionally, he maintains New Jersey licenses for life, health, and long-term care insurance. He is a member of the Estate and Financial Planning Council of Central New Jersey. Born and raised at the Jersey Shore, Matthew currently resides in Oakhurst with his wife, Juliana. He is actively involved in the community through organizations such as Big Brothers/Big Sisters of Monmouth, POAC, and Sea of Change. His personal interests include hiking, music, surfing, traveling, yoga, and spending time with family.

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.