James Hoffman is a financial advisor with Cetera, holding Series 63, 65, and 66 registrations and 30 years of industry experience. His prior work includes roles at National Asset Management and National Securities Corporation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party and affiliated investment strategies.

Margarita Mayor is a financial advisor at Equitable Advisors with 21 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Equitable Advisors since 2016, following a tenure at AXA Advisors, LLC. Outside of advisory work, she serves as Co-President of The Woman's Club of Asbury Park, where she organizes fundraising events and sets meeting agendas. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a variety of investment programs and third-party managers to tailor solutions based on client risk tolerance and financial goals.

Giovanni Santillo is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds a Series 63 designation and previously worked at Citigroup Global Markets for 13 years before joining Wells Fargo in 2020. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets through over 14,000 financial advisors, offering both brokerage and advisory solutions.

Darrion Carrington is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked primarily at Morgan Stanley and its Private Bank since 2021. Outside of his advisory role, he is involved as an employee in a labor and service organization related to the NJSIAA IAABO SHORE 194 in Ocean, New Jersey. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers planning services that emphasize structured discovery and outcome modeling without providing individual security recommendations as part of standalone plans.

Priscilla Baldari is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has spent the last 20 years working within Bank of America Merrill. In her role, she connects all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most to them. Priscilla focuses on delivering comprehensive wealth management and personalized strategies that address today's changing market conditions. Her areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Priscilla holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation as well as the Personal Investment Advisor (PIA) credential. She earned her bachelor's degree from the University of California system. Outside of her professional work, Priscilla enjoys cooking, hiking, music, spending time with her family, and traveling. Her approach emphasizes working one-on-one with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals.

Darren Odom is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing six years of industry experience. He has served in the U.S. Army and holds a role with Combat Connect since 2021. Outside his advisory work, he owns Darren E. Odom, LLC, a non-investment-related legal entity. Primerica Advisors offers a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm employs model-based investment strategies managed by third-party asset managers and supports trade execution and custody through national custodians.

Michael Bergin is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and possessing 40 years of industry experience. He has worked with Cetera and its affiliates since 2022 and previously held roles at National Asset Management and National Securities Corp. Outside of advising, he is the owner of a digital self-publishing business and the sole managing member of Havana Dublin Capital, LLC, which is involved in expense management. Cetera Investment Advisers LLC serves individual and institutional clients nationwide through a multi-manager platform that offers a range of portfolio management and retirement services. The firm supports various investment strategies, including model portfolios, third-party managers, and bespoke approaches, overseeing more than $256 billion in assets with over 10,000 advisors.

Bruce Kennedy is a financial advisor with Raymond James & Associates in Tinton Falls, NJ, holding Series 63 and Series 65 licenses and 18 years of industry experience. He previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney. Outside of his advisory role, he is a partner in a canned cocktail company developed by his wife. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning, investment consulting, and institutional advisory services through a range of portfolio management styles and affiliated research.

Lawrence Mieras Jr. is a financial advisor at Osaic Wealth with 43 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for American Portfolios Financial Services for 23 years. Outside of his advisory role, he serves as president of MFI Retirement Planning Associates, an insurance business. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, wrap portfolios, UMA strategies, and retirement plan consulting. The firm’s investment approach relies on model-based asset allocation and portfolio optimization supported by various analytical tools and multiple affiliated entities.

Joseph Curcio is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has worked with Cetera and its affiliates since 2013 and operates an independent insurance agency offering disability, annuity, life, accident, health, and long-term care products. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a multi-manager platform, providing a range of portfolio management, financial planning, and retirement services delivered by a large network of independent advisors.

Paul Donnelly is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors since 1999, including its previous affiliation as Axa Advisors, LLC. Outside of his advisory role, he is a partner in the Healthcare Business Planning Group, LLC, which markets various services to physicians. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and a range of asset-management programs, utilizing a combination of firm-offered solutions and third-party advisory programs.

Kyle Payne is a Senior Financial Advisor at The Payne Perry Group, part of Merrill Lynch Wealth Management. He joined the team in May 2018 and focuses on goals-based wealth management to assist individuals, families, physicians, retirees, private businesses, and non-profit organizations in achieving their financial objectives. Kyle and his team leverage the resources of Merrill Lynch and Bank of America to develop customized strategies that align with clients' short and long-term goals while managing risk. Kyle has been involved in the financial industry for over a decade, driven by a passion for quality wealth management stemming from observing the financial crisis of 2007-2008 and its impact on loved ones' wealth. He graduated in 2015 from the University of Delaware with the first Financial Planning degree offered by the Alfred Lerner College of Business and Economics. Kyle holds the Accredited Asset Management Specialist (AAMS) and Chartered Retirement Planning Counselor (CRPC) designations from the College of Financial Planning Institutes Corp, as well as the Personal Investment Advisor (PIA) credential. Residing in Shark River Hills with his wife and daughter, Kyle brings a disciplined and methodical approach to financial planning, emphasizing thorough preparation and risk management. His client focus areas include college education planning, family wealth management, legacy planning, liquidity management, retirement income, portfolio management, and tax minimization.

George Galiatsatos is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at Merrill and work in the automotive and hospitality sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and funds.

Carlie Zeidler is a financial advisor with LPL Financial, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining LPL, she has experience in education, law, and various business roles, including positions at Monmouth University and Villani & Deluca P.C. Attorney at Law. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, combining scale with diverse advisory and non-advisory financial activities.

Michael Pascale is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and having 46 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Prudential Equity Group, LLC from 1994 to 2003. Outside of advising, he volunteers as a financial stability mentor and instructor with Catholic Charities Washington DC, teaching budgeting and personal finance management. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Christopher Faust is a financial advisor with Equitable Advisors in Toms River, NJ, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Equitable Advisors since 2012 and previously worked at Axa Advisors, LLC from 2012 to 2020. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and relies on third-party program sponsors and advisory models to deliver its services.

Richard Tedeschi is a CFP® professional with 30 years of industry experience, currently affiliated with OSAIC since 2024. He previously worked with Securities America Advisors and Securities America, Inc. and has operated as an attorney providing estate planning and administration services for over two decades. Outside of financial advising, he manages Bricktown Liquors, Inc. and provides tax preparation services through Tedeschi Accounting LLC. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a wide range of brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation, portfolio optimization, and the use of various managed account strategies delivered through a complex network of affiliated entities.

Ellen Vetromile is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2018, she worked at Wells Fargo Clearing and Credit Suisse Securities (USA) LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market modeling techniques.

Paul Massaro is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2019, following nine years at Merrill Lynch Pierce Fenner & Smith. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured planning tools and comprehensive investment resources.

Joseph Zaccardo is a financial advisor with Ameriprise in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he serves on the Monmouth County Executive Committee and coaches private boxing lessons at the Middletown Boxing Club. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice, emphasizing assets managed within Ameriprise accounts and using algorithmic tools overseen by a dedicated committee.