Joseph Presa is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He has been with Charles Schwab since 2007. 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 offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios, supported by centralized custody and operational infrastructure.

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 Series 63, Series 65, and Series 66 designations. Prior to joining Wells Fargo in 2018, he worked at PNC Investments for nine years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both non-discretionary and discretionary services tailored to plan objectives and demographics.

Edward Mccay is a financial advisor at Ameriprise with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Bank of America, Merrill, and Ameriprise Financial Services, Inc. His current tenure at Ameriprise began in 2023. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement planning through written recommendation reports and ongoing advice addressing income sources and tax-aware withdrawal strategies.

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 at LPL Financial with five years of industry experience. He holds the Series 66 designation and has worked previously at Ameriprise Financial Services Inc and Intellectual Capital Group. 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 a range of advisory programs, financial planning, and brokerage services, utilizing various model portfolios and research from internal and third-party sources.

Michael Deliso is a financial advisor at Equitable Advisors with 13 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley from 2014 to 2019 before joining Equitable Advisors in 2019. 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, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Michael Ritacco is a financial advisor at UBS Financial Services with 25 years of industry experience. He holds a Series 66 designation and has been with UBS since 2012. Outside of his advisory work, he serves on the boards of the Ocean County YMCA and the Ocean County Chamber of Commerce and is involved in several business ventures including fitness facilities and medical centers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, offering a range of investment management and financial planning solutions supported by in-house research and proprietary capital market models.

Richard Laskin is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 34 years of industry experience. He has worked with Cetera since 2017 and has held roles at SII Investments, Inc. and Brunswick Wealth Management, LLC. Outside of his advisory duties, Laskin serves as president of Brunswick Wealth Management LLC, where he is involved in tax preparation, accounting, financial services, and fixed insurance. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors 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 and various program structures.

John Mendes is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 27 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has prior experience with Metlife Securities Inc. and New England Securities. Mendes is also an independent insurance agent specializing in life, accident, health, and group health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations in collaborative, annual engagements.

Brian Davis is a CFP® with 28 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. He is based in Lincroft, NJ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related products and bank deposit sweep programs.

Tony Kelly is a CFP® with 16 years of experience in the financial services industry. He is currently affiliated with Cetera and has held roles at King Financial Network since 2015 and Commonwealth Financial Network from 2015 to 2025. Outside of his advisory work, he serves as Director of Financial Planning at King Financial Network. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of independent advisors who serve individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through multiple program structures and a mix of discretionary and non-discretionary authorities.

Paul Jetter is a Certified Financial Planner® affiliated with LPL Financial, with 34 years of experience in the financial industry. He has worked at LPL Financial since 2014 and previously spent nine years at Private Portfolio Partners, LLC. Jetter is also involved in providing financial planning and advisory services through Archway Wealth Management, a registered investment advisor DBA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and services supported by LPL Research and third-party subadvisors.

Mark Kranz is a financial advisor with Primerica Advisors in Tinton Falls, NJ, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked with Primerica Advisors since 1990 and Primerica Financial Services since 1991, alongside operating Jbp Enterprises since 1996. In addition to advisory services, he is involved in sales of loan products and referrals for home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Margaret Kelleher is a financial advisor with Ameriprise who holds Series 63 and Series 65 designations and has 21 years of industry experience. She has been with Ameriprise since 2006, including her current role beginning in 2020. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients nearing or in retirement with written recommendation reports and annual retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Thomas Lucia is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with MetLife Securities Inc. and New England Securities. Outside of his advisory role, Thomas serves as a notary public for the state of New Jersey. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes annual collaborative financial planning engagements using firm-approved analytical tools and offers specialized services such as divorce planning and employer-sponsored programs.

Sergio Modernel is a financial advisor at Ameriprise with 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he co-owns Xcelerate Growth LLC, a business related to managing his Ameriprise practice. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm offers a range of advisory, brokerage, and insurance solutions through affiliated companies, employing a research-driven and algorithm-supported approach to retirement income recommendations.

Mordechai Worch is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities since 2012. Outside of finance, he was involved with Mordy's Smokehouse in 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

William Franko is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has been with MassMutual and its subsidiaries since 2017 and previously worked with ELANA advisory firms in 2016-2017. In addition to his advisory role, Franko owns and operates William Franko Tax and Accounting Services, providing tax preparation and accounting/bookkeeping services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations focused on investment categories and strategies.