Tori Rymer is a Planning Consultant at Fidelity Investments, a position she has held since 2020. She has been with Fidelity Investments since 2016, advancing through roles such as Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, she worked as a Client Service Associate at Harbor Lights Financial Group from 2014 to 2016. Over the past decade, Tori has gained experience working with clients facing diverse financial situations. She is focused on helping clients achieve their financial goals through thoughtful planning and consultation. Her background includes a progression of roles that have built her expertise in financial advisory services. In her personal time, Tori enjoys the beach, movies, traveling, and spending time with her pets.

Christopher Kellett is a financial advisor at OSAIC Wealth, Inc. with five years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial LLC and Ameriprise Financial Services Inc. His background also includes work outside finance at Stonebridge Steel Erection and academic experience at Pennsylvania State University. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a multi-advisor platform with brokerage and advisory services that emphasize model-based asset allocation and portfolio optimization.

Michael Deliso is a Series 66-licensed financial advisor with 14 years of industry experience. He has worked at Equitable Advisors since 2019, following five years at Morgan Stanley. 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 asset management through a network of Investment Adviser Representatives, utilizing third-party advisory programs and discretionary management models.

Michael Ritacco is a financial advisor at UBS Financial Services with 25 years of industry experience. He holds a Series 66 designation and has been with UBS since 2012. Outside of his advisory work, he serves on the boards of the Ocean County YMCA and the Ocean County Chamber of Commerce and is involved in several business ventures including fitness facilities and medical centers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, offering a range of investment management and financial planning solutions supported by in-house research and proprietary capital market models.

Stephen Luthmann is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and previously worked at JPMorgan Securities LLC, Merrill, and Morgan Stanley. Outside of his advisory role, he has a 50% ownership interest in an Amazon FBA e-commerce startup held through a holding company. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement plan consulting services.

John Mendes is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 27 years of industry experience, with prior roles at Metlife Securities Inc. and New England Securities. In addition to his advisory work, Mendes is an independent insurance agent focusing on life, accident, health, and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses structured planning engagements supported by advanced analytical tools and offers a range of investment and educational services.

Brian Davis is a Certified Financial Planner (CFP®) with 29 years of industry experience. He is currently with Wells Fargo Clearing, where he has worked since 2016, and has been with Wells Fargo Bank, N.A. since 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics from its investment institute and third-party sources.

Tony Kelly is a CFP® with 17 years of industry experience, currently serving at Cetera since 2025. He previously worked at Commonwealth Financial Network and LPL Financial, and is also the Director of Financial Planning at King Financial Network, where he provides investment management and financial planning services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, operates a multi-manager platform, and oversees more than $256 billion in assets under management.

Jacob Rosenberg is a financial advisor at LPL Financial with 26 years of industry experience. He holds the PFS™ designation and Series 66 license. Prior to joining LPL Financial in 2025, Rosenberg worked for Cetera and its affiliates for over 25 years and operates Bernath & Rosenberg, P.C., a tax preparation and accounting firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing 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, combining custom strategies with third-party asset management and institutional platforms.

Anthony Tomaro Jr. is a Series 66 credentialed financial advisor with 12 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has worked since 2026. His prior experience includes roles at LPL Financial, IC Advisory Services Inc, The Investment Center Inc, and TFS Securities, Inc. Outside of his advisory work, he is involved in mortgage and non-variable insurance services through related business activities. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers both discretionary and non-discretionary management across multiple platforms and custodians, and it maintains proprietary model strategies under the Founders Gate Capital brand.

Gil Hazan is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes work at GHG Suppliers LLC from 2019 to 2023 and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and includes unique regulatory registrations that support broader derivatives and commodities capabilities.

Thomas Lucia is a financial advisor with Mass Mutual Investors Services, holding the Series 63 and Series 65 designations and possessing 30 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at Metlife Securities Inc. and New England Securities. Outside of his advisory role, he serves as a notary public for the state of New Jersey. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a focus on collaborative, goal-based planning and a range of event-driven planning services.

Ashley Lucien is a financial advisor at Merrill with 16 years of experience, including 8 years at Bank of America, N.A. She holds a Series 66 designation. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mordechai Worch is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. His prior experience includes a brief period at Mordy’s Smokehouse in 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

William Franko is a financial advisor with Mass Mutual Investors Services in Wall Township, NJ, holding Series 63 and Series 65 credentials and bringing nine years of industry experience. He has worked with Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 2017 and previously held roles at ELANA General Insurance, LLC, ELANA Settlement Architects, and ELANA Advisory Services. Outside of his advisory work, he owns and operates William Franko Tax and Accounting Services, providing tax preparation and accounting services. Mass Mutual 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 financial planning, asset management, and educational seminars, focusing on collaborative, goal-oriented planning using firm-approved analytical tools.

Anthony Liberatore is a Financial Consultant specializing in holistic financial planning. He holds the CERTIFIED FINANCIAL PLANNER® designation and works with individuals and families to develop tax-efficient investment strategies, retirement plans, income protection solutions, and long-term care planning. Anthony aims to serve as a lifelong resource not only for his clients but also for their extended networks. Anthony has been with Fidelity Investments since 2022, progressing through roles as a Financial Representative, Investment Consultant, and Planning Consultant before his current position. His experience spans multiple facets of financial consulting, allowing him to provide comprehensive support tailored to his clients' needs. Outside of his professional responsibilities, Anthony has interests that include the beach, cars, concerts, movies, music, and pets.

Jacqueline Mazza is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank NA since 2012. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Robert Baxter is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds the 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, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, using research and analytics to guide investment decisions.

Marisela Torres Hernandez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Her prior roles include positions at The Prudential Insurance Company of America and Pruco Securities, along with 12 years at the Division of Child Protection and Permanency. She is based in Red Bank, NJ. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Felicia Malc is a financial advisor with Equitable Advisors in Point Pleasant, NJ, holding a Series 66 designation and 17 years of industry experience. She has worked with Equitable Advisors since 2009, including its predecessor Axa Advisors, LLC. In addition to her advisory role, she is involved in other outside insurance business activities with Guardian and Mass Mutual. Equitable Advisors serves individuals, pension plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset-management programs. The firm’s advisory services employ a range of third-party asset managers and proprietary solutions, emphasizing client-specific risk assessment and program matching.