Frank Cafiso is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has nine years of industry experience. He has worked at Cetera and its affiliates since 2019 and previously at S & F Equity Corp. He is also licensed as an insurance agent, selling life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large national network of independent advisors.

Brian Davis is a Certified Financial Planner (CFP®) with 29 years of industry experience. He is currently with Wells Fargo Clearing, where he has worked since 2016, and has been with Wells Fargo Bank, N.A. since 2010. 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 and analytics from its investment institute and third-party sources.

Tony Kelly is a CFP® with 17 years of industry experience, currently serving at Cetera since 2025. He previously worked at Commonwealth Financial Network and LPL Financial, and is also the Director of Financial Planning at King Financial Network, where he provides investment management and financial planning services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, operates a multi-manager platform, and oversees more than $256 billion in assets under management.

Paul Jetter is a CFP® with 34 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has worked at the firm since 2014. Prior to that, he held positions at Private Portfolio Partners, LLC, New England Securities, and Osaic FA, Inc. In addition to his advisory work, Jetter provides financial planning and fixed-fee advice through Insight Private Advisors, LLC, operating as Archway Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, with a focus on both discretionary and non-discretionary strategies supported by technology tools.

Louis Paolillo is a financial advisor at Charles Schwab with 22 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at TD Ameritrade Investment Management and TD Ameritrade, Inc. Outside of his advisory role, Paolillo is a volunteer basketball coach and also works as a bartender. Charles Schwab 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 offers a combination of non-discretionary and discretionary investment management solutions supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Damien Berube is a financial advisor at LPL Financial with a Series 66 designation and 10 years of industry experience. He previously worked at FFP Wealth Management and Garden State Securities, Inc. From Staten Island, NY, Berube has been with LPL Financial since 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions with a wide range of advisory and brokerage services, including financial planning and model portfolio programs.

Jonathan Barrett is a Series 66-licensed financial advisor with 18 years of industry experience, currently affiliated with Equitable Advisors in Woodbridge, NJ. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 2008. Barrett serves on multiple nonprofit boards, including Help The Children Hear and the Dominican Republic Relief Organization, and is an adjunct professor at Seton Hall University, where he lectures to juniors and seniors. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm uses a combination of proprietary programs and third-party asset managers to deliver personalized advisory solutions across a broad range of investment products.

Colin Hollingsworth is a Senior Financial Advisor based in Red Bank, New Jersey. He began his career as a Financial Advisor in 2018 and transitioned his practice to Merrill in 2023. Born and raised in Monmouth County, Colin serves corporate executives, business owners, and families, assisting them in growing and structuring their wealth. His approach emphasizes teamwork, collaborating with specialists throughout Bank of America and Merrill to provide clients with multiple perspectives, identify gaps and efficiencies in wealth management, and develop customized strategies to address the complexities of their financial situations. Colin's expertise includes college education planning, family wealth management strategies, legacy planning, personal retirement planning, and tax minimization. Colin earned his bachelor's degree from Rutgers, The State University of New Jersey in 2018 and is a first-generation college graduate who worked full time during his studies. He holds multiple professional credentials, including the Certified Financial Planner (CFP) certification and the Certified Plan Fiduciary Advisor (CPFA) designation. He is a member of Business Network International and is involved with the Alzheimer's Association. Colin and his partner, Carly, reside in Monmouth County with their son, Jack.

Margaret Kelleher is a financial advisor with Ameriprise who holds Series 63 and Series 65 designations and has 21 years of industry experience. She has been with Ameriprise since 2006, including her current role beginning in 2020. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients nearing or in retirement with written recommendation reports and annual retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Sergio Modernel is a financial advisor at Ameriprise with 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he co-owns Xcelerate Growth LLC, a business related to managing his Ameriprise practice. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm offers a range of advisory, brokerage, and insurance solutions through affiliated companies, employing a research-driven and algorithm-supported approach to retirement income recommendations.

Anthony Liberatore is a Financial Consultant specializing in holistic financial planning. He holds the CERTIFIED FINANCIAL PLANNER® designation and works with individuals and families to develop tax-efficient investment strategies, retirement plans, income protection solutions, and long-term care planning. Anthony aims to serve as a lifelong resource not only for his clients but also for their extended networks. Anthony has been with Fidelity Investments since 2022, progressing through roles as a Financial Representative, Investment Consultant, and Planning Consultant before his current position. His experience spans multiple facets of financial consulting, allowing him to provide comprehensive support tailored to his clients' needs. Outside of his professional responsibilities, Anthony has interests that include the beach, cars, concerts, movies, music, and pets.

Joseph Rosen is a financial advisor with Merrill in Red Bank, NJ. He holds a Series 66 designation and has one year of industry experience. His prior work experience includes roles at Bank of America, Lululemon, Seamless Contacts, Warby Parker, and M&T Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Jacqueline Mazza is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank NA since 2012. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Robert Baxter is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016. 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 manages approximately $671 billion in assets and provides both brokerage and advisory solutions, using research and analytics to guide investment decisions.

Marisela Torres Hernandez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Her prior roles include positions at The Prudential Insurance Company of America and Pruco Securities, along with 12 years at the Division of Child Protection and Permanency. She is based in Red Bank, NJ. 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 with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Catherine Mannes is a Series 66-licensed financial advisor with Morgan Stanley in Red Bank, NJ, and has 13 years of industry experience. She previously worked at Blackrock Investment Management, LLC, from 2013 to 2016 before joining Morgan Stanley in 2016. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by advanced analytical tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Meenu Sharma is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 13 years of industry experience. Her career includes roles at Wells Fargo Bank, Santander Bank, and HD Vest Investment Services. 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 offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

David Gilmour is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and 14 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2012 and at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is a partner at Gilmour Capital LLC, a healthcare-related business in New Jersey. 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. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Ralph Rosenbaum is a financial advisor with Cetera, holding the PFS™ credential and Series 63 and Series 65 licenses, and has 28 years of industry experience. He has worked primarily with Avantax entities since 1997 and operates his own CPA practice specializing in tax preparation and accounting. Outside of advisory work, he is involved in a food truck business as an investor. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management options, model portfolios, third-party manager selections, and various program structures across multiple custodians.

Joseph Kurzeja Jr. is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Mass Mutual Investors Services since 2017, Massachusetts Mutual Life Insurance Company since 2016, and Nathan & Lewis Securities, Inc. since 2000. MassMutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser that provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money‑manager programs, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm‑approved software to analyze client goals.