Michael Morelli is a financial advisor with Mass Mutual Investors Services in Wall Township, NJ, holding Series 63 and Series 65 credentials and eight years of industry experience. He has worked with MML Investors Services, LLC and Massachusetts Mutual Life Insurance Company since 2017 and has been involved with Creative Financial Strategies since 2016. Outside of his advisory role, he owns and operates a cleaning company and has interests as a shareholder in a distilling company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements supported by analytical tools and offers additional programs such as divorce and employer-sponsored planning.

Nicole Bartolomeo is a financial advisor at UBS Financial Services with eight years of industry experience. She previously worked at Morgan Stanley Smith Barney for 14 years before joining UBS in 2024. She holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through 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 financial plans to clients’ goals and risk tolerances.

Monika Santos is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and possessing 18 years of industry experience. She has been with Fidelity since 2012, including roles at Fidelity Personal and Workplace Advisors from 2018 to 2025. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base including retail and institutional investors, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment approach.

Alexander Kandelaki is a financial advisor with Mass Mutual Investors Services and holds the ChFC® designation along with Series 63 and Series 65 registrations. He has eight years of industry experience, including roles at Mass Mutual Investors Services since 2018 and MassMutual Life Insurance Company since 2017, as well as prior experience with Presidio. He is also involved in outside insurance sales through Kandelaki Solutions, focusing on life, disability, property and casualty, long-term care, fixed annuities, and health insurance products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm utilizes firm-approved software for client goal analysis and delivers written recommendations, with implementation requiring separate brokerage or insurance arrangements.

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.

Michael Cantin is a financial advisor with Equitable Advisors in Wall, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor firm Axa Advisors, LLC. Equitable Advisors serves individual clients across wealth levels, as well as pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm uses a network of Investment Adviser Representatives and combines firm-offered and third-party advisory programs to tailor solutions based on client needs and risk tolerance.

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.

Daniel Krause is a financial advisor at LPL Enterprise with five years of industry experience. He holds a Series 66 designation and has worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is self-employed under the business name Daniel Krause Design. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and a range of affiliated financial services.

Dennis Rose is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 34 years of industry experience. Prior to joining LPL in 2017, he worked at National Planning Corporation for 12 years and has operated his own CPA practice since 1988. Outside of his advisory role, he serves as a CPA for various clients and is involved in multiple accounting and tax preparation activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers diverse investment solutions including financial planning, model portfolios, and institutional platforms, supported by extensive operational and research tools.

Teresa Decaro Nardi is a financial advisor at UBS Financial Services with 24 years of industry experience. She has been with UBS since 2010. She holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets solutions.

Janice Whiting is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 66 designations and 17 years of industry experience. She has worked across several Wells Fargo entities since 2010. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized areas such as business-owner transition and sports & entertainment planning, using proprietary research and planning tools to develop tailored client recommendations.

Andrew Mcdowell is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked in various roles including at Jumping Brook Country Club and Il Posto. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and asset-management programs. The firm utilizes third-party asset managers and LPL-sponsored advisory programs to deliver tailored investment solutions.

Zhe Ding is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. Prior to joining LPL Enterprise in 2024, Ding worked at Prudential Insurance Company of America and Pruco Securities, LLC, among other firms. Outside of advising, Ding is involved in non-variable insurance activities through Ritter Insurance Marketing and Prudential-sponsored insurance. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual, high-net-worth, and institutional investors. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product facilitation through affiliated entities.

Jason Delgado is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at JPMorgan Securities LLC for 11 years. Delgado is based in Red Bank, NJ. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs tailored to clients’ risk profiles, combining in-house and third-party investment management with options for rebalancing, tax management, and responsible investing.

Stephen Mcpherson is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and 19 years of industry experience. He previously worked at Charles Schwab and TD Ameritrade before joining Raymond James. 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 municipal entities, offering financial planning and non-discretionary investment consulting through a range of portfolio management styles and affiliated research.

Frank Hellriegel is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations and has worked with firms including PNC Investments and Morgan Stanley Dw Inc. He has been associated with Wells Fargo Clearing in two separate periods totaling 12 years. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Karen Warde is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and having 20 years of industry experience. She has worked with Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where she has been since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Louis Bruno III is a financial advisor with Osaic Wealth, Inc. based in Red Bank, NJ. He holds Series 63 and Series 66 licenses and has 23 years of industry experience. Prior to joining Osaic, he worked at Fidelity Investments and Fidelity Brokerage Services LLC for a combined 13 years. Osaic Wealth, Inc. serves a diverse clientele including individual, high-net-worth, institutional, and charitable investors through a broad network of advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services with a range of portfolio construction tools and access to third-party money managers.

Christopher Kellett is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Ameriprise Financial Services Inc and Intellectual Capital Group. 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 variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor-facing technology and a broad range of financial activities.