Michael Libraty is a financial advisor at UBS Financial Services with 23 years of industry experience. He holds the Series 66 designation and has been with UBS since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Kevin Garcia is a financial advisor at Morgan Stanley with 15 years of industry experience. He has been with Morgan Stanley since 2014 and currently works at Morgan Stanley Private Bank, N.A. since 2020. He holds the Series 66 designation and is based in New York, NY. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Jesse Cohen is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and seven years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following three years at Bank of Tokyo. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate agreements.

Bogna Zachura is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Equitable Advisors since 1999, having previously been affiliated with AXA Advisors, LLC during that period. Her other business activities include various insurance-related roles. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and a range of asset-management programs. The firm uses a network of Investment Adviser Representatives and relies on both proprietary and third-party solutions to deliver diversified advisory services.

Samantha Mascia is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Bank of America, Merrill, and Wells Fargo prior to joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Bertram Riley Jr. is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previous experience at Cadaret, Grant & Co., Inc., Royal Alliance, and Petersen Investments, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by diversified investment strategies and technology-driven portfolio management.

Joseph Higgins is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Ameriprise since 2016 in various capacities. Outside of his advisory role, he serves as Treasurer on the Board of Directors for the Shark River Surf Anglers in Spring Lake, NJ. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides retirement planning advice focused on income sources and tax-aware withdrawal strategies. The firm utilizes proprietary research and third-party data to deliver customized recommendations within a defined investment framework.

Marc Ridell is a financial advisor with Morgan Stanley, holding a Series 66 designation and 15 years of industry experience. He previously worked at UBS Financial Services for ten years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment committee insights.

Michael Remey is a Wealth Management Advisor with Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional who specializes in tailoring investment and advanced planning strategies to help clients achieve their life goals and objectives in business and retirement. Michael focuses on clients’ needs throughout both the accumulation and distribution phases of retirement, developing financial strategies that align with their individual circumstances. His areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, individual and corporate investment strategy, and tax minimization. Michael holds a bachelor's degree from Colgate University, where he concentrated in economics and studied abroad in Russia. He also holds the designations Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). Outside of his professional work, Michael is involved in his community as a soccer coach with the Middletown Soccer Club. He enjoys golfing, skiing, hiking, ice hockey, running, tennis, and spending time with his family. Michael and his wife, Aimee, live in Rumson, NJ, with their three children.

Frank Fabiano is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2011 and previously worked at Morgan Stanley Private Bank, N.A. from 2017 to 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling in its advisory process.

Patrick Preston is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has developed expertise in creating personalized financial strategies that address the complex needs of individuals, families, and businesses. Patrick emphasizes a client-centered approach, aligning his services with the principle that "the client's needs come first." He collaborates with a team of specialists and coordinates with clients' attorneys and accountants to integrate investment management with tax minimization, wealth transfer, and estate planning. Patrick joined Merrill Lynch Wealth Management in 1991 after earning his bachelor's degree from the University of North Carolina at Greensboro, where he was a student-athlete on the men’s soccer team. He was promoted to Resident Director of the Freehold office in recognition of his client commitment and service delivery. Patrick holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Freehold with his three children, Patrick actively contributes to the community through board memberships and volunteer work with organizations such as the YMCA of Western Monmouth, Graeme Preston Foundation for Life, Freehold Soccer League, and the Lake Topanemus Park Commission. His personal interests include gardening, golfing, traveling, and spending time with his family.

William Baxter III is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. Prior to his current role, he worked at Wells Fargo, Victory Brewing Company, Heineken, and Harrison Beverage Company. He also has experience in academia, having been affiliated with the University of Delaware. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, supported by research from the Wells Fargo Investment Institute and a broad range of financial products distributed through bank and insurance affiliates.

Jennifer Noone is a Senior Financial Advisor with The Noone Group at Merrill Lynch Wealth Management. In her role, she focuses on managing client relationships and acquiring new clients. Jennifer emphasizes the importance of building strong relationships with clients based on understanding, clear communication, and mutual respect. Her passion for financial planning is influenced by a family connection to wealth management, and she is motivated by helping individuals and families achieve their financial goals through goals-based wealth management. Jennifer holds a Bachelor of Arts degree in Psychology and Mathematics, as well as an MBA in Entrepreneurship, both from Syracuse University. She holds FINRA Series 7, 63, and 66 registrations, is licensed in life insurance, and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is actively involved in community service, volunteering with the American Cancer Society and the Boomer Esiason Foundation. Jennifer has chaired and co-chaired the Monmouth County Cancer Ball, New Jersey's largest charitable black tie event for the American Cancer Society, and has been recognized as an honoree at the American Cancer Society Jersey Shore Golf Classic. Her work in the community reflects the Merrill tradition of service to the communities they serve.

Michael Noone Jr. is a financial advisor at Merrill with 17 years of industry experience and holds a Series 66 designation. His work history includes roles at Morgan Stanley and its Private Bank, as well as Bank of America. No additional outside activities were noted. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jennifer Lumsden is a Series 66 licensed advisor with Ameriprise Financial Services, LLC, based in Red Bank, NJ. She has 18 years of industry experience, including six years with Ameriprise Financial Services, LLC and four years with Ameriprise Financial Services, Inc. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Daniel Krause is a financial advisor at LPL Enterprise with five years of industry experience. He holds the Series 66 designation and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he operates a business under the name Daniel Krause Design. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products supported by its integrated platform.

Derek Swanner is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and bringing 18 years of industry experience. His career includes roles at Ameriprise Financial Services, Inc., WBI Investments, LLC, and Blackrock Investment Management, LLC. He is based in Red Bank, New Jersey. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement-income planning through detailed recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Dennis Rose is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 34 years of industry experience. He has worked at LPL Financial since 2017 and previously spent 12 years with National Planning Corporation. In addition to advising, he is a CPA actively involved in tax preparation and accounting services through multiple entities, including roles servicing entertainment industry clients. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, and institutions. The firm offers various advisory programs and financial planning services supported by proprietary and third-party research, serving clients through a national network of investment adviser representatives.

John Emerick III is a financial advisor at Charles Schwab with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at TD Ameritrade and Charles Schwab in various capacities since 2014. He maintains a New Jersey insurance license, though he does not conduct other insurance-related business. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by proprietary research and a centralized operational structure.

Christa Trust is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 designations and bringing nine years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2019 and has also worked at Couto DeFranco and HD Vest Investment Services since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.