Brian Galarza is a financial advisor at Merrill with 20 years of industry experience. He has been with Merrill since 2009 and holds Series 63 and Series 65 licenses. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Yuka Jr. is a financial advisor with LPL Financial in Point Pleasant, NJ, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Charles Schwab, TD Ameritrade, Merrill, and Ameriprise. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on combining advisory services and a broad range of non-advisory financial activities.

Brittany Forte is a Series 66-credentialed financial advisor with six years of industry experience. She is currently with LPL Financial in Manchester, NJ, where she has worked since 2021. Her prior experience includes roles at Wells Fargo Clearing, Power Tool Company, and PNC Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutional clients. The firm offers a range of investment options and technology tools, serving over 22,800 advisors and managing more than $819 billion in discretionary assets.

Ricardo Reyes is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Citizens Securities, Inc., MML Investors Services LLC, Mass Mutual Life Insurance Company, Merrill, National Securities Corp, and Dodge Data & Analytics. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment approaches and offers financial planning, access to third-party asset managers, and affiliated trust, insurance, and lending services.

James Quirk is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Equitable Advisors since 1999, including its period as AXA Advisors, LLC. Outside of advising, he serves as an on-field official for the National Football League. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a broad client base including individuals, pension plans, corporations, and charitable organizations. The firm employs a range of advisory programs and third-party managers, focusing on matching client needs with appropriate investment models and services.

David Ricker is a financial advisor with UBS Financial Services in Point Pleasant, NJ, holding a Series 66 designation and having 22 years of industry experience. Prior to joining UBS, he worked at Merrill for 14 years. Outside of his advisory role, he works part-time as a beer tender at Icarus Brewing in Brick, New Jersey. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor investment strategies.

Richard Campanella is a financial advisor at Morgan Stanley with 39 years of industry experience. He has been with Morgan Stanley since 2008, including 11 years with Morgan Stanley Private Bank, National Association, and previously worked at Merrill from 2005 to 2008. He holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and proprietary tools to model outcomes, serving clients through both direct and employer-sponsored agreements.

Sammer Bekhiet is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on assisting individuals, families, and business owners in navigating complex financial decisions by providing personalized wealth management, retirement, and investment strategies aligned with clients' goals. His expertise includes college education planning, equity compensation services, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Sammer employs a comprehensive approach that begins with understanding each client's full financial picture to develop flexible strategies responsive to changing market conditions. His role integrates investment insights from Merrill and banking and lending solutions from Bank of America. Sammer holds a Bachelor's Degree from The College of New Jersey and is a Personal Investment Advisor (PIA). Outside of his professional activities, he is involved with the USTA Foundation and enjoys pickleball, tennis, traveling, and spending time with his family.

Austin Dave is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, business owners, and corporate employees of Fortune 500 companies to simplify complex financial decisions and build strategies around their long-term goals. His expertise spans a range of financial topics including retirement planning, tax-efficient investing, employee benefits, college education planning, corporate benefits, corporate executive services, divorce transition planning, and strategies related to 401(k) plans. Austin and his team take a personalized and goal-driven approach to wealth management, focusing on understanding each client's unique situation, educating them on potential options, and tracking progress to adjust portfolios accordingly. Austin holds a Bachelor's Degree from The College of New Jersey and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, he has personal interests in baseball, basketball, dancing, football, golfing, music, reading, spending time with family, tennis, and watching movies.

Danni Higgins is a Financial Advisor with Merrill Lynch Wealth Management. As a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA), she focuses on helping clients gain clarity and confidence in their financial decisions. She works closely with clients to develop personalized wealth management strategies that align with their unique goals and values. Her expertise encompasses areas such as college education planning, family wealth management strategies, personal retirement planning, women and wealth, and tax minimization. Danni takes the time to understand what is important to each client, providing thoughtful financial guidance rooted in care, clarity, and purpose. She aims to simplify complex financial decisions and offers ongoing advice as clients' needs evolve. Danni holds a Bachelor's Degree from the University of Delaware. Outside of her professional role, she has interests that include pickleball, reading, running, skiing, spending time with her family, and traveling.

Vladimir Stricker is a Financial Advisor at Merrill Lynch Wealth Management and holds professional designations as a CERTIFIED FINANCIAL PLANNER® and Chartered Retirement Planning Counselor. He assists business owners, corporate professionals, retirees, and multigenerational families in making informed financial decisions. His practice emphasizes retirement planning, tax-efficient wealth management, stock compensation strategies, estate planning coordination, and facilitating the transition from wealth accumulation to retirement income. With over a decade of industry experience, Vladimir works closely with clients to develop comprehensive financial plans tailored to their unique needs. His expertise encompasses retirement income strategies, employer stock compensation planning, investment management, cash flow optimization, estate and legacy planning, tax-aware strategies, and risk management. He primarily serves successful professionals, engineers, and business owners seeking to simplify their financial complexities and coordinate various financial components. Vladimir holds a Bachelor's Degree from Kean University and maintains memberships in professional organizations including Business Networking International, the Chamber of Commerce, and the National Association for Divorce Professionals. He is also involved in the community through the ARC of Ocean County. Outside of his professional work, Vladimir enjoys adventure sports, biking, boating, football, golfing, reading, and spending time with his family.

Philip Yellovich is a financial advisor at Morgan Stanley with 36 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Outside of his advisory role, he is a singer in a band and occasionally performs at local venues. 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 focused on tailored financial planning, utilizing structured discovery processes and advanced modeling techniques.

Raymond Triano is a financial advisor with Cetera, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Minnesota Life Insurance Company and Securian Financial Services Inc. He also maintains an ongoing role as a fixed insurance agent with Allied Wealth Partners. Cetera Investment Advisers LLC serves a broad client base including individual, retirement plan, corporate, charitable, and institutional clients. The firm provides a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Pamela Hadley is a financial advisor at Morgan Stanley with 37 years of industry experience. She has been with Morgan Stanley since 2009 and holds the Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide array of advisory programs, including tailored financial planning supported by proprietary tools and modeling techniques.

John Surguy is a financial professional with six years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and has worked at firms including Mid Atlantic Resource Group and Securian Financial Services. Outside of his advisory role, Surguy volunteers as a youth soccer coach and serves on boards for local soccer associations and a chamber of commerce focused on health and wellness events. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, supported by a large nationwide network of over 10,000 advisors.

Jeffrey Winner is a financial advisor with Equitable Advisors, holding a Series 66 designation and bringing 25 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors, since 2001. In addition to his advisory role, he operates a business under the name FourFront Group. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm offers a range of investment models and advisory services through a network of representatives, utilizing both proprietary and third-party solutions.

Erin Azambuja is a financial advisor at LPL Financial with two years of industry experience. Prior to joining LPL in 2024, Erin worked at Financial Research Associates for seven years and Mazars USA LLP for four years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Brian Gazia is a financial advisor at Merrill with 26 years of industry experience, including 20 years with his current firm. He holds Series 63 and Series 66 licenses and works from Beachwood, NJ. 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 plans, corporations, and charitable organizations.

James Kumpf is a financial advisor at Raymond James & Associates with 15 years of industry experience. He has held prior roles at Ameriprise, Comerica Securities, and Merrill Lynch. Outside of his advisory work, he is involved in independent insurance brokering focusing on fixed annuities. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and municipal advisory services supported by a nationwide adviser network.

Christopher Cirri III is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Benjamin Felicelli, Prudential Insurance Company of America, Prudential Investment Management Services, PGIM Investments, Bank of America, and Merrill. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and relies on both in-house and third-party advisory models, offering a range of investment products and ERISA fiduciary services.