William Mcdavitt is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2013, including time at Morgan Stanley Private Bank, N.A. since 2024. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations as part of its advisory process.

Joseph Bonfiglio is a CFP® professional with 34 years of experience in the financial services industry. He is currently with Cetera and has held roles with various Avantax entities over three decades. He also owns an accounting and tax preparation business focused on individual tax planning. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individual, retirement plan, corporate, charitable, and institutional investors. The firm offers diversified portfolio management, financial planning, and access to a range of third-party managers through a multi-manager platform supporting discretionary and non-discretionary strategies.

Thomas Tonkovich is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank since 2017, and prior to that, he was with Wells Fargo Advisors and Wells Fargo Clearing. Outside of finance, he is a part-owner of the Philly Pretzel Company in Red Bank, NJ. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory services.

Salvatore Marino is a CFP®-certified financial advisor at Edelman Financial Engines with 26 years of industry experience. He has been with the firm and its predecessors since 2015, including eight years at Financial Engines Advisors L.L.C. Outside of his advisory role, Marino manages a rental property in Staten Island. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients, combining committee-driven modeling with planner delivery and online tools to offer both discretionary and non-discretionary management options.

Cosmo Fontana is a financial advisor with UBS Financial Services in Wall, NJ, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. He has been with UBS Warburg LLC since 2000. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment strategies to client goals.

Brad Seamon is a financial advisor at UBS Financial Services with 30 years of industry experience. He holds a Series 66 designation and has been with UBS since 2008. Outside of his advisory role, he is a partner in a real estate-related business focused on home maintenance. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a range of capital markets and research resources.

Jennifer Tennsingque is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Morgan Stanley for six years before joining J.P. Morgan in 2022. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering asset-allocation advice, investment manager searches, and customized performance reporting on a non-discretionary basis. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Michael Hrehovcik is a financial advisor with Primerica Advisors in Manchester, NJ, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1987. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure to manage client portfolios.

Melissa Kennedy is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm employs a structured planning process supported by proprietary tools and manages approximately $2.74 trillion in client assets.

Alan Login is a financial advisor at Stifel with 43 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Stifel Nicolaus & Co. since 2014. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, providing brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, offering asset allocation and planning analyses that support client decision-making.

Efraim Yungreis is a financial advisor with LPL Financial in Lakewood, NJ, holding Series 63 and Series 65 licenses and nine years of industry experience. Prior to joining LPL Financial in 2018, he worked at MML Investors Services, MassMutual Life Insurance Company, and Crawford Lake Capital. He has also been involved with Beth Medrash Govoha since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management tailored to client needs.

Keith Dewey is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Prior to joining Equitable Advisors in 2020, he worked for Prudential Investments LLC and related Prudential entities from 2001 to 2020. He serves as an Honorary Commander at Joint Base McGuire-Dix-Lakehurst, a non-investment related role involving community engagement. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Anthony Messina is a CFP® professional with 11 years of industry experience, currently serving at Wells Fargo Advisors since 2023. He previously worked at Wells Fargo Clearing from 2016 to 2023 and at Wells Fargo Advisors, LLC from 2014 to 2016. Outside of his advisory role, he owns and operates a business selling comics and trading cards. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning services that include cash-flow, retirement, education, and specialized areas such as business-owner transition and special-needs planning. The firm integrates advisory services with financial product sales and referral channels to serve its clients.

Colton Hurley is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2018, following positions at Robert Half and Axa Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Bridget Maillard is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. Prior to joining Wells Fargo in 2025, she worked at EPA Financial Services Corp for five years and operated a cleaning business, Double M Cleaning LLC, for three years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their investment approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

James Rice is a CFP® and holds a Series 66 license with 40 years of industry experience. He has worked at OSAIC since 2006 and previously at Investment Advisors Asset Management, LLC from 2003 to 2020. Rice also conducts an individual planning practice through Investment Advisors Wealth Management, LLC, where he provides investment, insurance, and financial planning services and performs supervisory responsibilities. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to multiple advisory platforms and third-party money managers.

Janice Milara is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, she worked in healthcare settings including Hackensack Meridian Health Ocean University Medical Center and Monmouth Medical Center, Southern Campus. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory services. Their approach is grounded in modern portfolio theory and includes a broader set of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Thomas Defino is a financial advisor with Morgan Stanley in Toms River, NJ, holding a Series 66 designation and three years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley, as well as prior work at Venture Solar, Unum, and Theory. Outside of finance, he is involved in soccer training through his role at Celtic Elite Training Academy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions, 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 market simulations.

Joann Bracken is a financial advisor with Merrill in Red Bank, NJ, holding a Series 66 designation and 19 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2010. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Jason Ritter is a financial advisor at Equitable Advisors with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 2014, including prior work at Axa Advisors. Outside of his advisory role, he is involved with Professional Group Plans, Inc., a health insurance business. 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 third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.