Harry Appel is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His career includes roles at United Planners' Financial Services and Parkwood Associates, where he also serves as owner and pension consultant. Cambridge Investment Research Advisors serves a broad client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides a range of investment strategies, including proprietary models and access to unaffiliated strategists, with both discretionary and non-discretionary options tailored to client objectives.

Evette Johnson is a financial advisor at Equitable Advisors with a Series 66 designation and four years of industry experience. She has been with Equitable Advisors since 2022 and also has a longstanding role at Sunbeam Preschool. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through a variety of third-party asset managers and LPL programs. The firm employs a hybrid referral and implementation model that combines advisory and brokerage services tailored to client goals and risk tolerance.

Christopher Amato II is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley-affiliated firms since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured planning tools and the input of a Global Investment Committee.

Kurt Akersten is a financial advisor at Fidelity with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Citigroup. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including advisory roles for registered investment companies and a Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage diversified model portfolios.

Karen Capen is a financial advisor at Raymond James Financial with 21 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Raymond James since 2017. Outside of her advisory role, she is an independent contractor at Banyan Wealth, where she operates as a Service Associate. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Frank Garruzzo is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and having 32 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an elected mayor in the Borough of Brielle, New Jersey, and is involved as a partner in a local real estate venture. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery and modeling tools, with a focus on advisory services.

Kevin Dolan is a financial advisor with Equitable Advisors, holding a Series 66 designation and 10 years of industry experience. He has worked at several firms, including AXA Advisors and Garden State Securities, before joining Equitable Advisors in 2018. Outside of advising, he serves as treasurer for a youth football league in New Jersey. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, and institutions, offering financial planning, broker-dealer services, insurance, and access to third-party asset management programs. The firm operates through a combination of advisory and brokerage solutions and participates in various sponsored programs and endorsed third-party platforms.

Abraham Weiss is a financial advisor with MassMutual Investors Services in Jackson, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with MML Investors Services and MassMutual Life Insurance Company since 2014. Outside of his advisory role, he is involved in the insurance brokerage business through Sterling Insurance Concepts Inc., which focuses on life and health insurance sales and ownership. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers customized financial planning using firm-approved software and hosts educational seminars, with planning engagements structured as ongoing, collaborative relationships.

Kevin Canning is a financial advisor with Morgan Stanley in Sea Girt, NJ, holding a Series 66 credential and having seven years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and scenario modeling.

Michael Francis is a financial advisor at UBS Financial Services with 15 years of industry experience. He previously worked at Goldman Sachs & Co. for seven years before joining UBS in 2020. He serves as an advisory board member of the Archdiocese of Washington D.C., providing advice on general finance trends. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Eric Saenz is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with Equitable Advisors since 2012 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he was involved with DJ Johnny's Magic Moments from 2007 to 2019 and has a business interest in Zenith Marketing. 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 a variety of third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage channels tailored through a client intake process.

James Costabile Jr. is a financial advisor with LPL Financial and holds a Series 66 credential. He has 23 years of industry experience, including 14 years at Ameriprise Financial Services, Inc. Outside of advising, he owns Final Turn Racing Stables, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Kristian Lydon is a financial advisor with LPL Enterprise in Manasquan, NJ, holding the CFP® designation and Series 63 and 66 licenses. He has seven years of industry experience, having previously worked at Pruco Securities, Bank of America, Merrill, and Sestito Financial Services. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory, and brokerage services through a platform that integrates adviser programs with a range of financial products and investment solutions.

Mikaela Guzman is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in offering comprehensive wealth management strategies tailored to the unique needs and goals of her clients. Mikaela works with a diverse client base including high net worth individuals, families, and businesses, providing services such as family wealth management, legacy planning, portfolio management, and retirement planning. With over a decade of experience in the financial services industry, Mikaela emphasizes understanding the full financial picture of each client to develop personalized financial roadmaps. She employs Merrill Lynch's investment insights to customize strategies that align with her clients' priorities and aspirations. Mikaela's professional focus includes areas such as college education planning, managing new wealth, small business strategies, women and wealth, and retirement income planning. Mikaela attended Rutgers University without completing a degree, holds a Bachelor's Degree from Western Governors University, and has obtained the Personal Investment Advisor (PIA) designation. She is a member of several professional organizations, including the Hispanic/Latino Organization for Leadership and Advancement, Black/African American Leadership Council, Central Jersey Women in Business, and Women's Exchange. Born and raised in New Jersey, Mikaela resides in Manalapan with her daughter. Outside of her professional role, she coaches gymnasts and enjoys activities such as riding her Harley Sportster motorcycle.

Gregory Mack is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jason Mellor is a financial advisor with Cetera who holds a Series 63 designation and has 29 years of industry experience. His prior work includes roles at Allied Wealth Partners, Securian Financial Services Inc, Minnesota Life Insurance Co, MML Investors Services, and MetLife Securities. Outside of advising, he is active as an agent and broker in fixed insurance sales with several firms, including Allied Wealth Partners and Creative Risk Management. Cetera Investment Advisers LLC serves a wide range of clients, 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 third-party money managers.

Michael Payne is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over four decades of experience since joining the firm in 1983. Based in Monmouth County, where he has lived since 1984, Michael specializes in creating long-term financial plans and strategies for a diverse and loyal client base. His areas of focus include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Michael holds a Bachelor's Degree from Seton Hall University and maintains an ongoing connection with his alma mater. He is a Personal Investment Advisor (PIA) and contributes to the development of future financial advisors as a faculty member for Merrill Optimal Practice Management (OPM). His commitment to community service is reflected in his roles on nonprofit boards, including serving as Vice Chair of the American Red Cross of Central New Jersey and Committee Chair for Board Development. Michael has also been recognized multiple times on the Forbes “Best-in-State Wealth Advisors” list from 2018 through 2025. Outside of his professional career, Michael enjoys biking, golfing, and traveling. He values educating clients and their families to promote financial literacy and long-term success.

Anthony Karpowich is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Wells Fargo Advisors since 2016 and owns Gold Star Wealth Management, LLC, an investment-related business. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and business-owner transition planning. The firm uses proprietary research and tools to develop tailored recommendations delivered through meetings and written summaries.

Frank Lepore is a financial advisor at Lepore Financial Services LLC in Manasquan, NJ, holding a Series 65 designation with 14 years of industry experience. He has been active in the financial sector since 1994. Lepore Financial Services LLC provides portfolio management and financial planning primarily to individual clients, managing approximately $2.9 million across about a dozen accounts. The firm focuses on individualized portfolio oversight and ongoing account management with asset-based fees.

Robert Lepore is a CFP® with 15 years of industry experience, operating Lepore Financial Services LLC in Manasquan, NJ. He has been associated with Ridgeway & Conger, Inc. since 2010. Lepore Financial Services LLC provides portfolio management and financial planning services primarily to individual clients, focusing on individualized portfolio oversight and ongoing account management with fees tied to assets under management. The firm combines advisory services with broker-dealer representation, a structure that is uncommon among independent advisers.