Richard Miranda is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 credential and 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual relationships and corporate financial planning agreements.

Joseph Papandrea is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds the Series 66 designation and has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through 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.

Tonnianne Muller is a Series 63-registered financial advisor with Wells Fargo Clearing Services, LLC, based in Red Bank, NJ. She has six years of industry experience, including roles at Wells Fargo Bank, NA since 2016 and Wells Fargo Clearing since 2019. 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 approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Eric Karlik is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and having 13 years of industry experience. His career includes roles at Mass Mutual Insurance Company since 2016 and MetLife Securities Inc. from 2015 to 2017. Outside of advisory work, he operates as an independent insurance agent selling various insurance products through Ashar Group, LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars using firm-approved tools and structured annual planning engagements.

Brian Ahearn is a financial advisor at Equitable Advisors with 17 years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2009, previously associated with Axa Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both firm-offered programs and third-party advisory solutions.

Michael Sullivan 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 Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and sophisticated modeling techniques.

Vincent Mannino is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has previously worked at Park Avenue Securities and Guardian Life Insurance. Outside of his advisory roles, he was involved with The Incline Club Skatepark for over a decade. He works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

Mary Ann DiAnna is a Financial Consultant at Fidelity Investments, a role she has held since 2021. She specializes in creating comprehensive financial plans for her clients, utilizing a personal and collaborative approach. Her professional identity is rooted in her certification as a Certified Financial Planner. Her career includes experience as a Financial Planner at Ernst & Young from 2019 to 2020, and as a Financial Advisor at Freedom Capital Management from 2016 to 2019. Prior to that, she served as Director of Client Services at both Biltmore Capital Advisors from 2015 to 2016 and Hyperion Wealth Advisors from 2013 to 2015. Mary Ann holds a California Insurance License. Outside of her professional work, Mary Ann enjoys boating, fitness, outdoor adventures, traveling, and volunteering.

Matthew Beaulieu is a financial advisor at Morgan Stanley with 31 years of industry experience. He previously worked at UBS Financial Services for 29 years before joining Morgan Stanley in 2023. He holds Series 63 and Series 65 licenses. 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 investment modeling provided by its Global Investment Committee.

Raymond Sura is a financial advisor with Raymond James Financial, holding a Series 66 designation and bringing 24 years of industry experience. He has worked extensively with Fulton Financial Advisors and related entities since 2013. In addition to his advisory role, he is an enrolled agent and tax preparer at ASWealth Tax Professionals and has authored a book that he markets independently. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary investment consulting and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Alyssa Cannuli is a financial advisor with Raymond James Financial, holding a Series 66 designation and 10 years of industry experience. She previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. from 2015 to 2019 before joining Raymond James Financial Services, Inc. in 2020. Alyssa is also licensed as a broker in non-variable insurance, selling disability, whole, term, and life insurance. 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, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning using risk profiling and analytical tools and supports its clients through various advisory programs and institutional consulting services.

Christine Laspina is a financial advisor at RBC Capital Markets with 26 years of industry experience. She holds Series 63 and Series 65 designations and has been with RBC Capital Markets since 2013. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Tracy Montgomery is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 1996, also working with Bank of America since 2014. Outside of her advisory role, she serves as the executor of a family estate. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Pacita Devera is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 66 licenses and 30 years of industry experience. She has been with Wells Fargo-affiliated firms since 2016. Outside of her advisory work, she serves as a power of attorney for her mother. 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 niche services such as business-owner transition and special-needs planning. The firm combines tailored recommendations with a variety of financial products and services accessible through its extensive advisor network.

Robert Simons is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms, including Davidson Wealth Management and Santander Securities. Outside of his advisory role, he is involved with Mon Alyssa's Restaurant. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that utilizes firm-approved tools and investment committee resources to model outcomes.

Steven Mcgovern is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 30 years of industry experience. He has worked at LPL Financial since 2001 and was previously with Ibex Wealth Advisors, LLC from 2014 to 2017. In addition to advisory services, he is involved in selling life and disability insurance. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary investment strategies supported by various operational and research tools.

Keith Sadlowski is a financial advisor with Cetera who holds the Series 66 designation and has eight years of industry experience. His prior work includes a 20-year tenure at BlackRock and roles at several firms including Minnesota Life, Securian Financial Services, and Mid Atlantic Resource Group. Outside of his advisory work, Sadlowski is a board member and assistant coach for the Pinelanders Youth Soccer Club. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a large network of independent advisors and utilizes a multi-manager platform with various program structures and custodial relationships.

Ryan Shea is a financial advisor at Equitable Advisors with 14 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Merrill, and Prudential in various capacities. Outside of his advisory role, he is an independent agent involved in the sales and service of fixed insurance products. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and nonprofit clients. The firm utilizes a range of advisory models, including third-party programs and discretionary management, serving both non-high-net-worth and high-net-worth clients.

Michael Stagliano is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 offers both brokerage and advisory solutions supported by research and analytics through Wells Fargo Investment Institute.

Scott Mcgimpsey is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 26 years of industry experience. He has worked at Cetera since 2019 and previously held roles at Summit Financial Group and Summit Brokerage Services. Mcgimpsey is also the owner of Unified Planning Group, LLC, and serves as chapter president of the American Financial Education Alliance, where he teaches classes on general financial education topics such as Social Security and Medicare. 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 through multiple program structures and custodial relationships, with over $256 billion in assets under management and more than 10,000 advisors.