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.

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.

James Hoffman is a financial advisor with Cetera, holding Series 63, 65, and 66 registrations and 30 years of industry experience. His prior work includes roles at National Asset Management and National Securities Corporation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party and affiliated investment strategies.

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 22 years of industry experience. He holds a Series 63 designation and previously worked at Citigroup Global Markets for 13 years before joining Wells Fargo in 2020. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets through over 14,000 financial advisors, offering both brokerage and advisory solutions.

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 bringing six years of industry experience. He has served in the U.S. Army and holds a role with Combat Connect since 2021. Outside his advisory work, he owns Darren E. Odom, LLC, a non-investment-related legal entity. Primerica Advisors offers a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm employs model-based investment strategies managed by third-party asset managers and supports trade execution and custody through national custodians.

Michael Bergin is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and possessing 40 years of industry experience. He has worked with Cetera and its affiliates since 2022 and previously held roles at National Asset Management and National Securities Corp. Outside of advising, he is the owner of a digital self-publishing business and the sole managing member of Havana Dublin Capital, LLC, which is involved in expense management. Cetera Investment Advisers LLC serves individual and institutional clients nationwide through a multi-manager platform that offers a range of portfolio management and retirement services. The firm supports various investment strategies, including model portfolios, third-party managers, and bespoke approaches, overseeing more than $256 billion in assets with over 10,000 advisors.

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 Wealth 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 his advisory role, he serves as president of MFI Retirement Planning Associates, an insurance business. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, wrap portfolios, UMA strategies, and retirement plan consulting. The firm’s investment approach relies on model-based asset allocation and portfolio optimization supported by various analytical tools and multiple affiliated entities.