Matthew Walter is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. His prior work includes roles at Bank of America and Merrill Lynch. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Michael Libraty is a financial advisor at UBS Financial Services with 23 years of industry experience. He holds the Series 66 designation and has been with UBS since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Kevin Garcia is a financial advisor at Morgan Stanley with 15 years of industry experience. He has been with Morgan Stanley since 2014 and currently works at Morgan Stanley Private Bank, N.A. since 2020. He holds the Series 66 designation and is based in New York, NY. 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.

Monika Santos is a financial advisor at Fidelity with 18 years of industry experience. She holds the Series 63 and Series 66 designations and has been associated with various divisions of Fidelity since 2012. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage diversified model portfolios.

Jesse Cohen is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and seven years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following three years at Bank of Tokyo. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate agreements.

Alexander Kandelaki is a financial advisor with Mass Mutual Investors Services and holds the ChFC® designation along with Series 63 and Series 65 registrations. He has eight years of industry experience, including roles at Mass Mutual Investors Services since 2018 and MassMutual Life Insurance Company since 2017, as well as prior experience with Presidio. He is also involved in outside insurance sales through Kandelaki Solutions, focusing on life, disability, property and casualty, long-term care, fixed annuities, and health insurance products. Mass Mutual 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 utilizes firm-approved software for client goal analysis and delivers written recommendations, with implementation requiring separate brokerage or insurance arrangements.

Samantha Mascia is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Bank of America, Merrill, and Wells Fargo prior to joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Bertram Riley Jr. is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previous experience at Cadaret, Grant & Co., Inc., Royal Alliance, and Petersen Investments, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by diversified investment strategies and technology-driven portfolio management.

Eugene Etzel III is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and 28 years of industry experience. His prior roles include positions at Chelsea Financial Services, ULLR Holdings, and Scottrade, Inc. Outside of his advisory work, he is a partner at Saga Consulting LLC, assisting with administrative and regulatory filings. Fidelity's Strategic Advisers LLC offers investment management and advisory services to a broad client base, including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios, often employing algorithmic methods and AI-driven tools in its investment process.

Joseph Higgins is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Ameriprise since 2016 in various capacities. Outside of his advisory role, he serves as Treasurer on the Board of Directors for the Shark River Surf Anglers in Spring Lake, NJ. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides retirement planning advice focused on income sources and tax-aware withdrawal strategies. The firm utilizes proprietary research and third-party data to deliver customized recommendations within a defined investment framework.

Marc Ridell is a financial advisor with Morgan Stanley, holding a Series 66 designation and 15 years of industry experience. He previously worked at UBS Financial Services for ten years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a 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 planning process supported by firm-approved tools and investment committee insights.

Michael Remey is a Wealth Management Advisor with Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional who specializes in tailoring investment and advanced planning strategies to help clients achieve their life goals and objectives in business and retirement. Michael focuses on clients’ needs throughout both the accumulation and distribution phases of retirement, developing financial strategies that align with their individual circumstances. His areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, individual and corporate investment strategy, and tax minimization. Michael holds a bachelor's degree from Colgate University, where he concentrated in economics and studied abroad in Russia. He also holds the designations Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). Outside of his professional work, Michael is involved in his community as a soccer coach with the Middletown Soccer Club. He enjoys golfing, skiing, hiking, ice hockey, running, tennis, and spending time with his family. Michael and his wife, Aimee, live in Rumson, NJ, with their three children.

James Krakowski is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in delivering comprehensive wealth management strategies that align with clients' individual goals and values. His approach emphasizes understanding each client's unique financial objectives through one-on-one communication, enabling tailored solutions across various aspects of wealth management. With over 20 years of experience in the financial services industry, James focuses on areas including family wealth management strategies, legacy planning, liquidity management, portfolio management, and tax minimization. He serves a diverse client base, including high-income professionals, doctors, medical practitioners, executives at large-cap tech and private companies, as well as closely-held business owners and real estate investors. His expertise includes coordinating investments, tax planning, and cash needs to preserve wealth and facilitate financial freedom. James holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned his education at Montclair State University. Outside of work, James enjoys baseball, basketball, chess, football, golfing, running, and spending time with his family, residing in Brielle, New Jersey.

Frank Fabiano is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2011 and previously worked at Morgan Stanley Private Bank, N.A. from 2017 to 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling in its advisory process.

Patrick Preston is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has developed expertise in creating personalized financial strategies that address the complex needs of individuals, families, and businesses. Patrick emphasizes a client-centered approach, aligning his services with the principle that "the client's needs come first." He collaborates with a team of specialists and coordinates with clients' attorneys and accountants to integrate investment management with tax minimization, wealth transfer, and estate planning. Patrick joined Merrill Lynch Wealth Management in 1991 after earning his bachelor's degree from the University of North Carolina at Greensboro, where he was a student-athlete on the men’s soccer team. He was promoted to Resident Director of the Freehold office in recognition of his client commitment and service delivery. Patrick holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Freehold with his three children, Patrick actively contributes to the community through board memberships and volunteer work with organizations such as the YMCA of Western Monmouth, Graeme Preston Foundation for Life, Freehold Soccer League, and the Lake Topanemus Park Commission. His personal interests include gardening, golfing, traveling, and spending time with his family.

Michael Cantin is a financial advisor with Equitable Advisors in Wall, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor firm Axa Advisors, LLC. Equitable Advisors serves individual clients across wealth levels, as well as pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm uses a network of Investment Adviser Representatives and combines firm-offered and third-party advisory programs to tailor solutions based on client needs and risk tolerance.

William Baxter III is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. Prior to his current role, he worked at Wells Fargo, Victory Brewing Company, Heineken, and Harrison Beverage Company. He also has experience in academia, having been affiliated with the University of Delaware. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, supported by research from the Wells Fargo Investment Institute and a broad range of financial products distributed through bank and insurance affiliates.

John Longo is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of advising, he is the majority owner of a wine import business and a partner in a restaurant and bar. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, providing tailored financial planning supported by firm-approved tools and research, with a focus on advisory services rather than direct security recommendations.

Jennifer Noone is a Senior Financial Advisor with The Noone Group at Merrill Lynch Wealth Management. In her role, she focuses on managing client relationships and acquiring new clients. Jennifer emphasizes the importance of building strong relationships with clients based on understanding, clear communication, and mutual respect. Her passion for financial planning is influenced by a family connection to wealth management, and she is motivated by helping individuals and families achieve their financial goals through goals-based wealth management. Jennifer holds a Bachelor of Arts degree in Psychology and Mathematics, as well as an MBA in Entrepreneurship, both from Syracuse University. She holds FINRA Series 7, 63, and 66 registrations, is licensed in life insurance, and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is actively involved in community service, volunteering with the American Cancer Society and the Boomer Esiason Foundation. Jennifer has chaired and co-chaired the Monmouth County Cancer Ball, New Jersey's largest charitable black tie event for the American Cancer Society, and has been recognized as an honoree at the American Cancer Society Jersey Shore Golf Classic. Her work in the community reflects the Merrill tradition of service to the communities they serve.

Robert Marsiglia is a financial advisor with Merrill in Manasquan, NJ, holding Series 63 and Series 66 credentials and bringing 41 years of industry experience. He has been with Merrill and its affiliate Bank of America since 2012. Outside of his financial career, he is the band leader of a Christian R and B band called The Next Generation of Soul. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.