Michael Phillips is a CFP® with 49 years of experience in the financial industry. He is currently affiliated with OSAIC, where he has worked since 1990, and previously operated Phillips Financial Services, Inc. from 1994 to 2008. Outside of his advisory role, Phillips serves as a volunteer commission member addressing local environmental concerns at Lake Topanemus in Freehold, NJ, and holds a state notary public license. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through multiple programs. The firm employs a model-based investment process with various portfolio management options and is noted for its scale, complex affiliate network, and private-equity ownership.

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 with LPL Financial based in Manasquan, NJ. He holds the Series 63 and Series 65 designations and has 19 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, Merrill, and New England Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary research models and third-party strategies.

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.

Elena Ristov is a financial advisor at J.P. Morgan Securities in Freehold, NJ, holding Series 63 and Series 66 licenses with 13 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting.

Christian Alino is a financial advisor with J.P. Morgan Securities in Toms River, NJ, holding a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Equitable Financial Life Insurance and Equitable Advisors. Outside of finance, he has experience managing hospitality operations at The Shrimp Box and Outside the Box Patio Bar. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The program incorporates centralized due diligence, quantitative and qualitative research, and may use ESG criteria 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.

Justin Lotano is a financial advisor with LPL Financial in Colts Neck, NJ, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Wells Fargo Clearing, and Ameriprise. He is also an author, engaging in book publishing outside of his advisory work. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Gregory Bahary is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2007. Prior to his advisory role, he has been involved as president and consultant of Gossip Records Inc., a record label and music publishing business. Edward Jones is a wealth management firm serving individual and institutional clients with a range of advisory services, including discretionary and non-discretionary strategies, managed accounts, and affiliated mutual funds. The firm has a large national presence with over 23,000 advisors and provides additional capabilities such as trust services and securities-based lending.

Yaakov Krumbein is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their priorities and assists them in developing strategies to pursue their short-, mid-, and long-term financial goals. He provides guidance on a variety of financial needs including investing, retirement planning, and preparing for unforeseen circumstances. His areas of expertise include family wealth management strategies, legacy planning, liquidity management, managing new wealth, individual and corporate investment strategy, tax minimization, and retirement income. Yaakov holds professional designations as an 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 work, he enjoys adventure sports, hiking, spending time with his family, and playing table tennis.

Jeffrey Kotch is a CFP® and PFS™ with 25 years of industry experience, currently serving at Cetera. He previously worked at Avantax Advisory Services and Avantax Investment Services, and has been associated with Pierson & Oujo for over two decades. In addition to his financial advisory work, he is a sole-practitioner CPA providing accounting and tax services to individuals and businesses. Cetera Investment Advisers LLC is a nationwide SEC-registered firm supporting over 10,000 advisors and approximately 800,000 clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers as well as customizable investment strategies.

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.

Wayne Londregan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He previously worked at Credit Suisse Securities (USA) LLC for 13 years and Pershing LLC for one year. Outside of finance, he owns and operates Wayne Londregan Photography LLC. 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 brokerage and advisory solutions supported by research and analytics.

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.

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 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 role, he is a licensed Certified Public Accountant. OSAIC Wealth serves a wide range of clients including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers both brokerage and advisory services featuring model-based asset allocation, portfolio optimization, and multiple investment program options delivered through a multi-advisor platform.