Jay Goldberg is a financial advisor with Equitable Advisors in Colts Neck, NJ, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure with Axa Advisors. His other business activities include involvement in various outside insurance businesses. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and diverse asset management programs. The firm’s approach involves assessing client information and risk tolerance to align clients with appropriate advisory models, utilizing both firm-offered programs and third-party asset managers.

Edward Horigan is a Certified Financial Planner® with over thirty-two years of industry experience. He has been affiliated with Primerica Financial Services since 1993 and PFS Investments Inc. since 2011. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, with a focus on percentage-based fees and ongoing oversight of potential conflicts.

Jimmy Leong is a financial advisor at Cambridge Investment Research Advisors with 34 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior work experience includes 13 years at J.P. Morgan Securities and 10 years at Chase Investment Services Corp. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and offers various platform options and proprietary model strategies under the Founders Gate Capital brand.

Albert Kobular is a financial advisor with Merrill in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Merrill since 1987 and has been affiliated with Bank of America, N.A. since 2011. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Welsh is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His career includes roles at Citizens Securities, Santander Securities, LPL Financial, Cetera Investment Services, and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process incorporates centralized due diligence with both quantitative and qualitative research and includes broader derivatives and commodities capabilities.

James Rinkewich is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Avantax Advisory Services and Avantax Insurance Services. Outside of his advisory role, he operates a tax preparation and accounting business as a sole proprietor. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services with access to multiple program structures and third-party money managers.

Allen Laster is a financial advisor with Edward Jones, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Edward Jones, he worked at R. Neuhaus & Associates LLC and has experience in education and community roles. He also supports a family daycare business by managing its finances. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary strategies. The firm manages over $1 trillion in assets and operates a large network of financial advisors and branch offices across the United States.

Robert Buckelew is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 credential and bringing 32 years of industry experience. He has worked with Raymond James in various capacities since 2009 and also spent three years in non-variable insurance from 2016 to 2019. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and uses advanced analytical tools to support client goals, while maintaining unique offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Stephen Kuczynski is a financial advisor at Osaic Wealth Inc. He holds a Series 66 designation and has nine years of industry experience. His prior firms include LPL Financial, LLC and Ameriprise Financial Services, Inc. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a variety of brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a multi-advisor platform incorporating third-party managers and proprietary investment models.

Bryan Perry is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2001 and also associated with Bank of America since 2009. Outside of his advisory role, he serves as a council member for the Borough of Sea Girt, New Jersey. Merrill, together with its affiliate Managed Account Advisors LLC, 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.

Victoria Tomaro is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 licenses. She has 48 years of industry experience, including prior roles at LPL Financial, The Investment Center Inc, Ic Advisory Services Inc, and TFS Securities, Inc. Tomaro also operates a separate financial services business under the Tomaro Financial Group name. Cambridge Investment Research Advisors, Inc. serves a broad range of individual and institutional clients, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals and multiple platform options.

Steven Dietz is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 46 years of industry experience. He has worked at Cetera Advisors LLC since 2022 and previously spent eight years at National Securities Corp. Cetera Investment Advisers LLC is an SEC-registered firm that serves 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 third-party money managers via multiple program structures.

Robert Cutrupi is a financial advisor at Raymond James Financial with 45 years of industry experience. He held a position at Morgan Stanley from 1983 to 2019 before joining Raymond James in 2019. He is the owner of The Cutrupi Group, LLC, a support company offering financial services to individuals through Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm utilizes analytical tools and risk profiling to tailor non-discretionary planning and consulting aligned with client goals.

Michael Phillips is a CFP® with 49 years of experience in the financial industry. He is currently affiliated with OSAIC, where he has worked since 1990, and previously operated Phillips Financial Services, Inc. from 1994 to 2008. Outside of his advisory role, Phillips serves as a volunteer commission member addressing local environmental concerns at Lake Topanemus in Freehold, NJ, and holds a state notary public license. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through multiple programs. The firm employs a model-based investment process with various portfolio management options and is noted for its scale, complex affiliate network, and private-equity ownership.

Timothy Cannuli is a financial advisor at Raymond James Financial Services Advisors, Inc. with 28 years of industry experience. He has been with Raymond James since 2009 and also operates as an insurance agent selling life and disability products. Outside of his advisory role, he is a partner in a development LLC and has involvement in a local bakery business through family connections. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting, incorporating risk profiling and analytical modeling to support client goals.

Christopher Gallegos is a financial advisor with LPL Financial based in Manasquan, NJ. He holds the Series 63 and Series 65 designations and has 19 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, Merrill, and New England Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary research models and third-party strategies.

Alyson Mandato is a financial advisor at Cetera with six years of industry experience. She holds a Series 66 designation and previously worked at Two River Community Bank. In addition to her advisory role, she is involved with King Financial Network, where she prepares lead advisors for client meetings and manages portfolio reporting. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a multi-manager platform with a range of portfolio management and financial planning services.

Lawrence Karpf is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include eight years at Wells Fargo Clearing and a year with Prudential Equity Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Patrick Heeb is a Financial Consultant currently working with Fidelity Investments since 2020. He has experience in financial consulting and has held roles including Financial Consultant at PNC Investments and Regional Vice President positions in annuity and mutual fund wholesaling with Pacific Life Insurance and Guardian Life Insurance. Throughout his career, Patrick has developed expertise in financial consulting, annuities, and mutual funds. He emphasizes understanding each client's personal and financial history to tailor financial planning that aligns with their definition of financial success. Outside of his professional work, Patrick has interests in fitness, parenthood, and puzzles.

Michael Kelly is a financial advisor at Equitable Advisors with 41 years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors since 1999, including its predecessor Axa Advisors. Outside of his advisory role, he is involved in a life settlements brokerage business through The Ashar Group. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm delivers services through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory programs.