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 based in Red Bank, NJ. She holds a Series 66 designation and has two years of experience in the financial industry. Prior to joining Wells Fargo, she worked in healthcare organizations including Hackensack Meridian Health Ocean University Medical Center and Monmouth Medical Center. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and provides both brokerage and advisory solutions.

Joann Bracken is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party portfolio management teams.

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.

Jason Ritter is a financial advisor at Equitable Advisors with 12 years of industry experience. He holds the Series 63 and Series 66 credentials and previously worked at Axa Advisors, LLC. Outside of advisory services, he is involved with Professional Group Plans, Inc., a health insurance business. Equitable Advisors serves a wide range of clients including individual investors, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes both proprietary and third-party advisory solutions, offering services across mutual funds, ETFs, separately managed accounts, and selected alternative investments.

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.

Michael Clark is a financial advisor at OSAIC with 44 years of industry experience. He holds a Series 66 designation and has worked at OSAIC since 2024, following an 18-year tenure at American Portfolios Financial Services, Inc. He also operates Michael F. Clark Associates, which he has managed since 1980. OSAIC serves a broad range of retail and institutional clients, including high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through multiple platforms, employing asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios.

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.

Vincenzo Barba is a CFP® professional with 32 years of industry experience, currently affiliated with LPL Financial. He previously operated V. Barba Company for 15 years while maintaining his role at LPL Financial since 2003. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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 range of model portfolios and research resources.

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.

Anthony Pecoraro is a financial advisor with Equitable Advisors, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors since 2007, including its predecessor AXA Advisors, LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program referrals.

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.

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.

Anthony Desarno is a financial advisor at Fisher Investments with 11 years of industry experience. He holds Series 65 and Series 66 designations and has previously worked at Guggenheim Funds Distributors, LLC and Massachusetts Mutual Life Insurance Company. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research to construct diversified portfolios and offers sub-advisory and retirement plan services.

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 with Equitable Advisors in Marlboro, NJ, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has worked with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Klein is involved in managing a private investment to purchase a franchise through an LLC formed with partners. Equitable Advisors serves a broad client base including individuals across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs, relying on a network of Investment Adviser Representatives and third-party asset managers to deliver tailored advisory solutions.

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.