Philip Livoti is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. He also refers clients to a full-time realtor in real estate transactions and works as a sales agent for property and casualty insurance at Prudential. 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, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Alfred Farrell Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at PNC Investments and Santander Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services supported by model portfolios, third-party research, and technology-driven strategies.

Christopher Digregorio is a financial advisor with Ameriprise in Freehold, NJ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He previously worked at Janney Montgomery Scott from 2015 to 2019 before joining Ameriprise in 2019. Outside of his advisory role, he co-owns DGAM LLC and Xcelerate Growth LLC, managing business operations and office space. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Karl Lorch is a financial advisor with Mass Mutual Investors Services, holding over 41 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 34 years. In addition to his advisory role, Lorch operates as an independent insurance agent specializing in dental, group disability income, fixed annuities, life, accident, health, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing firm-approved software tools to develop tailored financial strategies.

Michael Kosik is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank since 2015. Outside of his advisory role, he is involved in a personal trust business based in New York. 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 strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and risk modeling techniques.

Glen Gill is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, Bank of America, and Merrill Lynch. His current practice is based in Red Bank, New Jersey. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using proprietary tools and offers a variety of investment and financial services.

John Lynde is a financial advisor at Cetera with 30 years of industry experience. He holds the ChFC® and Series 63 designations. His prior experience includes roles at LPL Financial and operating the Wealth Insight Group, a financial services business he founded in 2013. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets.

Michael Soto is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work experience in various roles including automotive sales and hospitality. Soto is also associated with DGAM LLC, where he manages an advisory business. Ameriprise serves clients primarily through its retirement-income planning service for individuals with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations.

Robin Deflice is a financial advisor with LPL Financial who holds Series 63, 65, and 66 licenses and has 31 years of industry experience. He has worked at LPL Financial since 2025 and previously operated Deflice Financial Group since 2002, alongside a 24-year tenure at Cadaret, Grant & Co., Inc. Deflice Financial Group also functions as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research-supported strategies.

Stephen Kroll is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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.

Bahaa Botros is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC from 1991 onward. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, model portfolio management, third-party asset management, and access to various brokerage and insurance products via a comprehensive integrated platform.

Michael Bosi is a financial advisor with Ameriprise in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Prior to joining Ameriprise in 2025, he worked for Voya Investment Management and its affiliates from 2014 to 2025. He serves on the Board of Directors and as Rear Commodore for the Navesink Maritime Heritage Association. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Marilyn Pozzuto is a Financial Consultant at Fidelity Investments, where she collaborates with clients to develop comprehensive financial plans and personalized investment strategies. She focuses on building long-lasting relationships to help clients pursue their financial goals. Her professional experience includes roles as a Financial Advisor at Merrill Lynch from 2017 to 2022 and as a Wealth Strategy Associate at UBS Financial Services from 2011 to 2017. Throughout her career, she has drawn on both professional and personal experiences to provide thoughtful guidance to clients.

Christopher Armstrong is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Charles Schwab, Morgan Stanley, and National Asset Management before joining Cetera in 2022. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers diverse investment management and consulting services through a nationwide network of independent advisors, utilizing a multi-manager platform with a range of program options and supervisory structures.

Conor Egan is a financial advisor with Mass Mutual Investors Services and holds the CFP® and ChFC® designations. He has 19 years of industry experience, including over a decade with Massachusetts Mutual Life Insurance Company. He serves as a partner in Egan Lynch Financial Group, LLC, and is a director of the non-profit organization People's Pantry Inc. 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 a range of planning and investment programs, including recently introduced standalone Divorce Planning services and event-driven planning for estates and employer-sponsored benefits.

Marianne Verpent is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. She has worked at Charles Schwab since 1986 and has been with Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base of 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 guidance through multi-asset model portfolios and a structured process for alternative investments.

Richard Vergona is a financial advisor with Raymond James Financial in Shrewsbury, NJ, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He worked at Morgan Stanley Smith Barney for 19 years before joining Raymond James in 2019. Outside of his advisory role, he is an employee at The Cutrupi Group LLC, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Anthony Viskovic is a Series 66-licensed financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2010. 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 discovery processes, firm-approved tools, and investment modeling techniques.

Pamela Lipnicky is a financial advisor at Fidelity with 16 years of industry experience. She holds a Series 66 designation and has been with various Fidelity entities since 2009. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients. The firm uses proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage diversified portfolios, including fund advisory and model portfolios.

John Buckley is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has been with UBS Financial Services since 2009. Outside of his advisory role, he teaches an "Investing for Beginners" adult education course through the Public Schools of Edison Township. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm employs proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.