John Grande Jr. is a CFP® professional with 44 years of experience in the financial services industry. He is currently with Raymond James Financial Services Advisors, Inc., where he has worked since 2019, following prior roles at Cetera Advisor Networks LLC, Summit Financial Group Inc., Wells Fargo Advisors, and his own firm, Grande Financial Services, Inc. He maintains a support role with Grande Financial Services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports both advisory programs and institutional portfolio management, with additional municipal and public finance advisory services.

Terrence Carey is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 39 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Outside of his advisory roles, he has ownership interest in a residential real estate business. 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 offers financial planning, asset management, and educational seminars, using firm-approved software to deliver written recommendations in collaborative, ongoing client relationships.

Gregg Pellecchia is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Equitable Advisors since 1999 and was previously with Axa Advisors, LLC. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and third-party program sponsors to deliver tailored advisory solutions without sponsoring its own wrap fee program.

Candice Hammond serves as a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. She has been with Merrill since 1981, bringing over 40 years of experience to her role. Candice leads a team of tenured Merrill employees, with a focus on addressing the individual needs of each client and collaborating to help achieve their financial goals. Her expertise encompasses wealth management guidance, asset allocation, and financial planning strategies across a broad range of areas including education planning, family wealth management strategies, legacy planning, personal retirement planning, and retirement income. Candice emphasizes a comprehensive approach that begins with understanding each client's priorities to tailor investment and wealth strategies accordingly. Candice holds a Bachelor's Degree from Rosemont College and the Personal Investment Advisor (PIA) designation. She resides in Sea Girt with her husband and two children. Outside of work, she enjoys boating, reading, and spending time with her family.

Matthew Appel is a financial advisor with Equitable Advisors in Wall, NJ, holding a Series 66 credential and 22 years of industry experience. His career includes roles at Axa Advisors, Guardian Life, and International Planning Alliance. He is a member of the Monmouth-Ocean Development Council. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs through a network of Investment Adviser Representatives and third-party managers.

Lawrence Cagliostro is a Senior Financial Advisor and First Vice President of Wealth Management at Merrill Lynch in the Toms River, New Jersey branch. He focuses on family wealth management strategies, philanthropic planning, and portfolio management services. Drawing on extensive experience from his previous role at Morgan Stanley in Toms River, Lawrence develops close relationships with clients often spanning multiple generations and addresses concerns including early retirement, job transitions, retirement account needs, concentrated stock positions, and comprehensive retirement planning strategies. Lawrence holds a Bachelor's Degree from Rider University and a Master's Degree from Georgian Court University. He has earned the Professional Investment Advisor (PIA) designation, reflecting his commitment to professional development and client service. Beyond his advisory role, Lawrence participates in community service as a board member of the Salvation Army. His approach emphasizes creating personalized financial strategies tailored to each client's long-term goals, supported by the investment insights of Merrill and the resources of Bank of America.

Guy Savino Jr. is a financial advisor at Morgan Stanley with 54 years of industry experience. He holds a Series 63 designation and has worked at firms including Wells Fargo Clearing, A. G. Edwards & Sons, Inc., and Citigroup Global Markets. Savino has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process.

Yisroel Krohn is a CFP® professional with 15 years of industry experience, currently affiliated with LPL Financial since 2018. He also has a longstanding role with Mayco Financial Services and previously worked at Cadaret, Grant & Co., Inc. Krohn holds the Series 66 designation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and oversight of substantial discretionary assets.

Hugh Dzenis is a financial advisor with Equitable Advisors in Wall, NJ, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Equitable Advisors since 2002, including its predecessor, AXA Advisors. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a range of firm-offered and third-party advisory programs, implementing investment solutions through mutual funds, ETFs, separately managed accounts, and select alternative investments.

John Weber Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 23 years of industry experience. He has worked at LPL Financial since 2018 and previously spent two years with Kestra Financial Services and over two decades with Nationwide Provident. Outside of his advisory role, he is involved with Weber Wealth Management, LLC, which operates as a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and 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 advisors and various technology tools.

Marisa Margarites is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 38 years of industry experience. She has been with Raymond James Financial Services Advisors, Inc. since 2018 and has worked within the Raymond James Financial Services network since 2016. Margarites serves as a board member for the Belmont Condominium Association. 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 employs risk profiling and modeling tools to support client goals, with additional capabilities in municipal advisory and SIMPLE IRA plan consulting.

Paul Desmond is a ChFC®-designated financial advisor with 29 years of industry experience. He is currently affiliated with Cetera and has previously worked with LPL Financial. In addition to his advisory work, he owns Wealth Insight Group Tax Services, a tax preparation business. Cetera Investment Advisers LLC serves a broad clientele including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Jacquelyne White is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 33 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Lawrence Buccheri is a financial advisor at Cetera with over 40 years of experience in the industry. He holds Series 63 and Series 65 licenses and has held leadership roles at multiple firms, including serving as CEO and managing partner of Mid Atlantic Resource Group, LLC. He is active in his community as a director of the Monmouth Museum Board of Trustees and participates in board and advisory roles related to business and professional education. Cetera Investment Advisers LLC is an SEC-registered firm 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 consulting services, utilizing a multi-manager platform with access to affiliated and third-party investment strategies across various program structures.

Francis Laub Jr. is a financial advisor with Equitable Advisors, holding a Series 66 designation and 29 years of industry experience. He has been with Equitable Advisors since 2008, following a concurrent period at AXA Advisors, LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and a range of asset-management programs delivered through a network of Investment Adviser Representatives, relying on both proprietary and third-party investment solutions.

Edward Skibicki Jr. is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 credentials. He has 30 years of industry experience, including prior roles at Cadaret, Grant & Co., Inc., Bank of America, and Merrill Lynch. He is also president of Skibicki Capital, a business involved in investment-related activities. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management across multiple platforms and provides access to third-party advisers and proprietary model strategies.

Yoshua Tejada Torres is a financial professional with Cetera and holds a Series 66 designation. He has been with Cetera and related entities since 2025 and has additional work experience as a full-time charter bus driver. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a broad network of independent advisors. The firm offers a multi-manager platform with various portfolio management and planning services, managing over $256 billion in assets across more than 10,000 advisors.

Lisa Sninski is a financial advisor at LPL Financial with five years of industry experience. She previously worked at Wells Fargo Clearing for four years and Valente and Associates LLC for nine years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Marina Iskandar is a financial advisor at Fidelity with seven years of industry experience. She holds Series 63 and Series 66 licenses. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

James Leblo is a financial advisor with Equitable Advisors in Wall, NJ, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Innovative Wealth Partners and Rensselaer Polytechnic Institute. Outside of finance, he was involved with Martelles Tiki Bar and the Brick Township Recreation Department. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm uses a variety of third-party and proprietary advisory models and offers ERISA fiduciary services through credentialed representatives.