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.

Joanne Lam is a financial advisor at Osaic with 19 years of industry experience. She holds a Series 66 designation and has previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. Additionally, she serves as a member of the Holmdel Board of Education. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party money managers to construct diversified portfolios for its clients.

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.

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.

Joseph Pascarella is a Series 63-licensed financial advisor with LPL Financial in Red Bank, NJ, bringing 33 years of industry experience. He has been with LPL Financial and its predecessor, LINSCO/Private Ledger Corp., since 1994. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing a variety of portfolio management approaches and research resources.

Madelaine Brooks is a financial advisor with LPL Enterprise and holds the Series 63, Series 66, and Series 65 designations. She has 23 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. Brooks is based in Holmdel, New Jersey. 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, consulting, model wealth portfolios, and access to third-party asset management, combining adviser programs with the sale of various financial products and integrated lending services.

Eric Flynn is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2011. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

John Del Mauro is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked at Morgan Stanley since 2017 and was previously with Merrill from 2011 to 2017. He holds Series 63 and Series 65 licenses and is a partner at LaFamiglia Ventures, LLC, an investment and finance firm. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services that include both retail and institutional financial planning.

Dwayne Barberis is a financial advisor with Morgan Stanley in Red Bank, NJ, holding the Series 66 designation and bringing 18 years of industry experience. He has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery and firm-approved planning tools.

Christopher Grella is a CFP® professional with over 31 years of industry experience. He is currently with LPL Enterprise, where he has worked since 2026. Prior to this, he spent six years at Ameriprise Financial Services, LLC, and four years at Ameriprise Financial Services, Inc. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of services such as financial planning, consulting, model portfolio programs, third-party asset management, and access to brokerage and insurance products through an integrated platform.

Erin Lindquist is a CFP® with four years of industry experience, currently serving as a financial advisor at Cetera. She has previously worked with Avantax Advisory Services and Avantax Insurance Agency, and maintains a financial advisory role at Zonin Wealth Management, where she provides values-based financial planning and portfolio management. Additionally, Erin is a Notary Public in New Jersey. Cetera Investment Advisers LLC is an SEC-registered firm supporting a large network of independent advisors and serving a diverse client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through multiple program structures and custodial relationships.

Katie Ward is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has 25 years of industry experience, including over 17 years with Wells Fargo firms. Outside of her advisory role, she serves as a leader and treasurer for local Girl Scout troops in New Jersey. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party sources to support its investment strategies, serving clients through both brokerage and advisory solutions.

John Sheridan is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2013. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Morgan Koehler is a Series 66-licensed financial advisor with 13 years of industry experience. He has worked at Invesco Distributors, Inc. for 11 years and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2023. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning agreements.

Scott Klein is a financial advisor at Equitable Advisors with 30 years of industry experience. He has been with Equitable Advisors since 1999 and previously affiliated with AXA Advisors, LLC. Outside of his advisory role, Klein is involved in private investment ventures, including ownership interests in limited liability companies that manage office properties and a franchise investment. 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 employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to client goals and risk tolerances.

Jane Kunak is a financial advisor at Wells Fargo Advisors with 10 years of industry experience. She holds the Series 66 designation and has worked within Wells Fargo-affiliated firms since 2008. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and planning tools.

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.

Brendon Pierson Jr. is a CFP® with 34 years of industry experience, currently affiliated with Cetera since 2025. His prior work includes long tenures at Avantax Advisory Services and Avantax Investment Services, as well as experience with Avantax Insurance Agency and Bp Franchise Consultants LLC. He also operates a tax preparation and accounting business, Brendon Pierson, Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers multiple portfolio management options through a multi-manager platform, combining affiliated and unaffiliated managers and various program structures across discretionary and non-discretionary authorities.

Lisa Jacobs is a financial advisor with Merrill based in Red Bank, NJ, holding a Series 63 designation and bringing 26 years of industry experience. Her prior work history includes roles at UBS Financial Services and an earlier tenure at Merrill. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies tailored to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates investment management with Bank of America’s broader platform, including access to swaps, derivatives, lending, and custody services.

Jaclynn Wirhouski is a financial advisor with Morgan Stanley in Red Bank, NJ, holding a Series 66 designation and 20 years of industry experience. She has been with Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering financial planning and investment services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through direct plans and Corporate Financial Planning agreements.