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.

Giovanni Santillo is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 63 designation and previously worked at Citigroup Global Markets for 13 years before joining Wells Fargo in 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Priscilla Baldari is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has spent the last 20 years working within Bank of America Merrill. In her role, she connects all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most to them. Priscilla focuses on delivering comprehensive wealth management and personalized strategies that address today's changing market conditions. Her areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Priscilla holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation as well as the Personal Investment Advisor (PIA) credential. She earned her bachelor's degree from the University of California system. Outside of her professional work, Priscilla enjoys cooking, hiking, music, spending time with her family, and traveling. Her approach emphasizes working one-on-one with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals.

Darren Odom is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and six years of industry experience. He has served in the U.S. Army and has been involved with Combat Connect since 2021. Outside of advising, he owns Darren E. Odom, LLC, a non-investment-related business. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, utilizing model-based investment strategies managed by unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing.

Carla Cardinali is a financial advisor with Edward Jones in Toms River, NJ, holding a Series 66 designation and 16 years of experience at the firm. Her career has been solely with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Lawrence Mieras Jr. is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for American Portfolios Financial Services for 23 years. Outside of securities, he serves as president of MFI Retirement Planning Associates, an insurance sales business, and acts as executor of an estate. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party investment managers. The firm employs advanced portfolio construction tools and supports various managed-account solutions.

Joseph Curcio is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has worked with Cetera and its affiliates since 2013 and operates an independent insurance agency offering disability, annuity, life, accident, health, and long-term care products. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a multi-manager platform, providing a range of portfolio management, financial planning, and retirement services delivered by a large network of independent advisors.

Donna Scallo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC and Wells Fargo Bank, N.A. since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menus.

Kyle Payne is a Senior Financial Advisor at The Payne Perry Group, part of Merrill Lynch Wealth Management. He joined the team in May 2018 and focuses on goals-based wealth management to assist individuals, families, physicians, retirees, private businesses, and non-profit organizations in achieving their financial objectives. Kyle and his team leverage the resources of Merrill Lynch and Bank of America to develop customized strategies that align with clients' short and long-term goals while managing risk. Kyle has been involved in the financial industry for over a decade, driven by a passion for quality wealth management stemming from observing the financial crisis of 2007-2008 and its impact on loved ones' wealth. He graduated in 2015 from the University of Delaware with the first Financial Planning degree offered by the Alfred Lerner College of Business and Economics. Kyle holds the Accredited Asset Management Specialist (AAMS) and Chartered Retirement Planning Counselor (CRPC) designations from the College of Financial Planning Institutes Corp, as well as the Personal Investment Advisor (PIA) credential. Residing in Shark River Hills with his wife and daughter, Kyle brings a disciplined and methodical approach to financial planning, emphasizing thorough preparation and risk management. His client focus areas include college education planning, family wealth management, legacy planning, liquidity management, retirement income, portfolio management, and tax minimization.

George Galiatsatos is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at Merrill and work in the automotive and hospitality sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and funds.

Carlie Zeidler is a financial advisor with LPL Financial in Manasquan, NJ, holding a Series 66 credential and beginning her advisory career in 2025. Her background includes roles in education at Monmouth University and Point Pleasant Borough School District, as well as experience in legal and legislative positions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Michael Pascale is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Pascale serves as a financial stability mentor and instructor for Catholic Charities in Washington, DC, providing education on budgeting and personal finance. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Christopher Faust is a financial advisor with Equitable Advisors in Toms River, NJ, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Equitable Advisors since 2012 and previously worked at Axa Advisors, LLC from 2012 to 2020. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and relies on third-party program sponsors and advisory models to deliver its services.

Richard Tedeschi is a CFP® professional with 30 years of experience in the financial services industry. He is currently with OSAIC and has prior experience at Securities America Advisors and Securities America, Inc. He also operates an estate planning and administration law practice and manages a tax preparation business. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services with a range of portfolio management tools and third-party investment solutions.

Paul Massaro is a Series 66-licensed financial advisor with Morgan Stanley in Toms River, NJ, with 10 years of industry experience. He has worked at Morgan Stanley since 2019 and previously spent nine years at Merrill Lynch Pierce Fenner & Smith. 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 and utilizes a structured financial planning process supported by firm-approved tools and market simulations.

Michael Lomet is a Series 66-licensed financial advisor with Cetera, based in Manasquan, NJ, and has two years of industry experience. His prior work includes roles at LPL Enterprise, The Prudential Insurance Company of America, Pruco Securities LLC, and Bank of America. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Robert Powell is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Prior to that, he held roles at Bank of America, Merrill, and Santander Securities. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model. The firm integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

James Gates Jr. is a financial advisor with Equitable Advisors in Wall, New Jersey, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Equitable Advisors and its predecessor firm AXA Advisors since 1999. Outside of his advisory role, Gates serves on the Bay Head Township Council and participates in the Parish Finance Council at Sacred Heart Church, as well as acting as Treasurer for the Regular Republican Organization of Bay Head. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a variety of advisory programs and third-party asset managers to tailor investment solutions across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Aaron Niederman is a CFP® professional with 21 years of industry experience, currently affiliated with Cetera. His career includes roles at Securian Financial Services, Mid Atlantic Resource Group, and MargFinancial. He serves as a volunteer firefighter for the Freehold Fire Department and holds a board trustee position at the Independence Square Condo Association. Cetera Investment Advisers LLC provides investment advisory services through a nationwide network of independent advisors, serving individual, corporate, retirement plan, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Patrick Sheehan is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term goals. He provides guidance on various aspects of financial planning, including investing, retirement planning, and preparing for unforeseen expenses. Additionally, Patrick facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Patrick's expertise lies in helping clients manage complex financial demands, from purchasing a home and saving for college to addressing healthcare needs and elder care. He works closely with clients to define their objectives and select portfolio strategies tailored to those goals. As a Personal Investment Advisor, he offers ongoing advice and adjusts financial plans to align with clients' changing circumstances. He holds a Bachelor's Degree from the University of Maine and a Master's Degree from Southern New Hampshire University. Patrick's approach centers on uncovering what matters most to clients and their families to create strategies that pursue their financial objectives.