Michael Sosa is a financial advisor with Cetera, holding a Series 66 designation and possessing 35 years of industry experience. He has worked with Cetera and its affiliates since 2004 and owns Premier Financial Investment Group, LLC, which provides securities, insurance, and tax services. Outside of his advisory role, he serves as chairman of the investment committee for the Felician Sisters School for Exceptional Children and holds finance and secretary roles in local organizations. Cetera Investment Advisers LLC is a multi-manager platform serving individual, corporate, charitable, and institutional clients through independent advisors nationwide. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement services, and access to third-party money managers, managing over $256 billion in assets.

Liberta Falzon is a financial advisor at UBS Financial Services with 19 years of industry experience. She has been with UBS since 2004 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering proprietary research and a variety of capital markets and lending solutions.

Nicole Kevoian is a financial advisor with LPL Financial and holds a Series 66 designation. She has four years of industry experience and has worked at LPL Financial since 2019. In addition to her advisory work, she is a notary in New Jersey and maintains employment as a DoorDash driver. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and multiple portfolio strategies.

John Mcdonough is a financial advisor at OSAIC with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Froehlich Financial Group, Ltd. and American Portfolios Advisors, Inc. Additionally, he owns and operates JEM Wealth Management, where he provides investment advisory and insurance services. OSAIC serves a diverse client base, including individuals, high-net-worth investors, and institutions, offering integrated brokerage and advisory services. The firm employs a range of portfolio construction tools and supports multiple advisory platforms and third-party managed account solutions.

Joseph Fay Jr. is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. His career includes roles at Minnesota Life Insurance Company, Securities Financial Services, Inc., and Allied Wealth Partners. Outside of advising, he has a referral relationship involving consulting medical billing services through CG Moneta Consulting. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Theodore Daniels is a financial advisor with UBS Financial Services in Wall, New Jersey. He holds Series 63 and Series 66 designations and has 15 years of industry experience, including prior roles at Bank of America and Merrill. Outside of his advisory work, Daniels performs stand-up comedy on select weekends, sometimes for profit and other times as fundraisers, and contributes to a paranormal-themed podcast. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerance. The firm integrates institutional trading capabilities with wealth management and offers a broad range of capital markets and advisory services.

Joseph Fay III is a financial advisor with Cetera, holding a Series 66 credential and five years of industry experience. He has worked with several firms, including Allied Wealth Partners and Minnesota Life Insurance Company. Outside of advising, he engages in fixed insurance sales as an independent contractor and refers potential clients to consulting medical billing services. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple investment strategies and third-party managers.

Brian Mccaskill is a financial advisor at Thrivent Investment Management with 13 years of industry experience. He holds the Series 66 designation and has worked at Thrivent Financial for Lutherans since 2013. He serves on the board of Your Grandmother's Cupboard, a nonprofit that provides free food and clothing to those in need, and is secretary of Community Services Inc of Ocean County, an organization that delivers meals to elderly individuals. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing comprehensive, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan while keeping services separate.

Daniel Koerner is a CFP®-credentialed financial advisor with 10 years of industry experience. He is currently with Cetera and has prior experience at Avantax Advisory Services, 1st Global Advisors, and runs Koerner & Koerner, PA, an accounting firm where he is a partner. He is also involved with Koerner WealthCare, LLC, providing insurance, tax, investment, and estate planning for closely held business owner clients. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored 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 a range of third-party money managers.

Michael Teichman is a CFP® professional with eight years of industry experience, currently serving at Equitable Advisors since 2017. He previously worked at AXA Advisors LLC and attended SUNY Oneonta. In addition to his advisory role, he acts as an executor and trustee for family and non-family estates. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance services.

Robert D'Addario is a Managing Director and Wealth Management Advisor with Merrill Lynch Wealth Management and is the senior member of The D'Addario Group in Short Hills, New Jersey. He has been with Merrill for over 31 years and has been recognized in Barron's "Top 1,200 Financial Advisors" list for 2022 and 2025 as well as Forbes' "Best-in-State Wealth Advisors" list from 2018 through 2026. Robert holds several professional designations, including Certified Portfolio Manager (CPM) from the Academy of Certified Portfolio Managers, Certified Private Wealth Advisor (CPWA) from the Investments & Wealth Institute, Certified Plan Fiduciary Adviser (CPFA) from the National Association of Plan Advisors, and Chartered Retirement Planning Counselor (CRPC) from the College for Financial Planning Institutes Corp. His expertise encompasses areas such as divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management services, and tax minimization. He graduated with a Bachelor of Science in Business Administration with a concentration in Finance from Rider University, where he also participated in ROTC and served as a Field Artillery Officer in the New Jersey Army National Guard. He earned an MBA with a concentration in Finance from Fairleigh Dickinson University. Robert supports Rider University through the Executive Advisory Council and the Finance & Economics Advisory Council. Outside of his professional life, he enjoys golfing, spending time with his family, and traveling.

Margaret Lynch is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 14 years before joining Morgan Stanley Smith Barney LLC in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Robert Holly is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Morgan Stanley since 2020, following prior roles at Academy Securities and Loop Capital Markets. Outside of his advisory work, Holly serves as a member of the university relations committee for the Old Guard of Princeton nonprofit organization. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and economic modeling techniques.

Richard Galgano is a financial advisor at UBS Financial Services with 36 years of industry experience. He held prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. In addition to his advisory work, he serves as an adjunct teacher at Ocean County College and is the treasurer of the Ocean County College Foundation, which provides scholarships. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to clients’ goals. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and affiliated banking programs.

Michael Scotto is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2010, including work at Morgan Stanley Private Bank, N.A. since 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides advisory services through its Financial Advisors and Estate Planning Strategies Group.

Christian Beach is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on delivering a customized wealth management experience by combining a disciplined process with a deep understanding of client needs. Christian works with clients on planning for retirement, funding education expenses, and developing strategies for small business owners to achieve their financial goals. Christian's expertise includes divorce transition planning, employee benefits planning, employee financial health, personal retirement planning, and small business strategies. He holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Christian attended Brookdale Community College and Rutgers, although no diplomas were conferred. In addition to his professional work, Christian is involved in community activities including the American Cancer Society and coaching soccer for TRFC. Outside of work, he enjoys camping, hiking, music, spending time with his family, and writing.

Jonathan Steiger is a financial advisor with Equitable Advisors in Wall, NJ. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at A.J. Gallagher, Arla Foods, and involvement with The College of New Jersey. Equitable Advisors serves a broad mix of individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through LPL-sponsored programs and endorsed third-party managers, providing both discretionary and non-discretionary advisory solutions.

Christopher Edgar is a Wealth Management Advisor and co-head of a six-member practice based out of the Jersey Shore with Merrill Lynch Wealth Management. He and his team focus on helping clients simplify their financial lives and make educated financial decisions. With over 15 years of experience in the financial services industry, Chris joined Merrill Lynch Wealth Management following the Great Financial Crisis. He specializes in risk management and capital preservation, managing corporate benefit programs like equity compensation and various retirement plans. His expertise extends to corporate executives and their families, providing comprehensive wealth management strategies. Chris holds a Bachelor's Degree from Rider University and has earned several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of work, he is involved in community organizations such as the Boy Scouts of America and supports local groups like the Brielle Education Foundation, Children's Specialized Hospital, and youth sports leagues. His personal interests include adventure sports, boating, golfing, photography, and spending time with his family.

Joseph Stephens II is a CFP® professional with seven years of industry experience, currently affiliated with Cambridge Investment Research Advisors. His prior experience includes roles at Allstate Insurance Co and Allstate Financial Advisors, as well as involvement with E&J Gallo Winery. Stephens serves as Treasurer and a Board Member of the New Jersey chapter of NAIFA. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions including proprietary and third-party strategies, with both discretionary and non-discretionary implementation options tailored to client objectives.

Yehuda Goldfein is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill, and Edirect. Prior to his financial services career, he was affiliated with Keser Torah Mayan Hatalmud for seven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.