James Gates Jr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with AXA Advisors, LLC. Outside of his advisory role, he serves on the Bay Head Township Council, participates in his local parish finance council, and acts as treasurer for the Regular Republican Organization of Bay Head. 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 third-party asset managers. The firm operates a hybrid referral and implementation model, offering advisory and brokerage channels tailored to client goals and risk tolerance.

Lori Ann Simon is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2017, including a current role at Morgan Stanley Private Bank, National Association since 2018. Her prior experience includes a one-year tenure at Northwestern Mutual. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm employs a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Aaron Niederman is a CFP® professional with 21 years of industry experience, currently affiliated with Cetera. His career includes roles at Securian Financial Services, Mid Atlantic Resource Group, and MargFinancial. He serves as a volunteer firefighter for the Freehold Fire Department and holds a board trustee position at the Independence Square Condo Association. Cetera Investment Advisers LLC provides investment advisory services through a nationwide network of independent advisors, serving individual, corporate, retirement plan, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Edward Garrigal Jr. is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds the Series 66 designation and has worked at several firms, including Cetera, CETERA Financial Specialists LLC, and B. Riley Wealth Management. Outside of finance, he has worked as a bartender at Eventide Grille since 2015. Wells Fargo Advisors is a nationwide 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 extensive research and a range of financial products.

Henry Frenzel III is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Stifel since 2014. His tenure includes work with STiFEL NICOLAUS & CO INC. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation, retirement, insurance, and estate planning analyses.

Jeffrey Bahary is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. His prior roles include positions at First Allied Advisory Services and First Allied Securities. Outside of his advisory work, he serves as a board member for his homeowners association and holds fiduciary roles in family trusts and estates. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors, serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a wide range of portfolio management and financial planning services.

Patrick Sheehan is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term goals. He provides guidance on various aspects of financial planning, including investing, retirement planning, and preparing for unforeseen expenses. Additionally, Patrick facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Patrick's expertise lies in helping clients manage complex financial demands, from purchasing a home and saving for college to addressing healthcare needs and elder care. He works closely with clients to define their objectives and select portfolio strategies tailored to those goals. As a Personal Investment Advisor, he offers ongoing advice and adjusts financial plans to align with clients' changing circumstances. He holds a Bachelor's Degree from the University of Maine and a Master's Degree from Southern New Hampshire University. Patrick's approach centers on uncovering what matters most to clients and their families to create strategies that pursue their financial objectives.

Frank Strucki is a financial advisor with Morgan Stanley in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Morgan Stanley Smith Barney since 2009, with earlier experience at Citigroup Global Markets dating back to 2000. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services through both direct individual engagements and corporate agreements.

Tara Naldi is a financial advisor with LPL Financial in Jackson, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. Her prior roles include extensive tenures at Invest Financial Corporation and Northfield Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Angela Brehm is a financial advisor at UBS Financial Services with a Series 66 designation and two years of industry experience. Her prior roles include positions at Crawford Lake Capital Management and Caxton Associates. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm integrates proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Maurice Cassara is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and bringing 29 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been associated with Morgan Stanley Smith Barney and Citigroup Global Markets since 2009 and 2004, respectively. 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 supported by firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Kimberly Riccoboni is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 20 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and has worked at MetLife Securities Inc. since 2011. Mass Mutual Investors Services 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 collaborative, annual planning engagements using firm-approved analytical tools and delivers written recommendations without discretionary investment authority.

Christina Hammond is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she worked at Kayo Conference Series and Producify. Outside of her advisory role, she bartends on weekends at the Beachwood Yacht Club, a sailing club in Beachwood, NJ. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Thomas Cali is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1999 and joined Merrill Lynch in the same year as a Financial Advisor. Thomas focuses on addressing the complex financial needs of high net worth clients by offering investment, estate and wealth transfer strategies, liability planning, and insurance solutions. He is a qualified Portfolio Manager who designs and manages personalized investment strategies incorporating individual securities, Merrill model portfolios, and third-party strategies. Additionally, he serves clients through the firm's Investment Advisory Program, managing portfolios on a discretionary basis when appropriate. Thomas earned a Bachelor of Science degree in Business Administration and High Technology Management from California State University in 1999. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation. He also maintains several registrations and licenses through the Financial Industry Regulatory Authority (FINRA) and state insurance authorities, including Series 7, 24, and 66 registrations, as well as New Jersey Life, Health, and Long Term Care Insurance Licenses. Residing in Brielle with his wife Amy and their two sons, Thomas is active in local philanthropic organizations. Outside of his professional role, he enjoys spending time with his family, sport fishing, biking, boating, cooking, gardening, surfing, traveling, and woodworking.

Brian Berry is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary solutions. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Alyssa Saavedra is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2018. Prior to her current roles, she gained experience at Jared's Galleria of Jewelry, Pandora, and Chase Bank. 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 a range of clients including individuals, high-net-worth individuals, and institutions.

Evan Purdy is a financial advisor at Cetera with one year of industry experience and holds a Series 66 designation. His prior work includes roles at Allied Wealth Partners, Northwestern Mutual, and JusCollege. Outside of advising, he also sells fixed insurance products as an insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services across various program structures and custodial relationships.

Peterson Decoteau is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and three years of industry experience. His prior work includes roles with PricePoint Valuations, Lincoln Appraisal Services, Douglas Elliman Realty, and Fillmore Real Estate. In addition to his advisory work, he serves as a financial counselor with the New York Legal Assistance Group. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-driven strategies overseen by third-party asset managers.

Marc Micali is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and at Jpmorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Joseph Siragusa is a financial advisor with Wells Fargo Advisors, holding the Series 66 designation and possessing 13 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 10 years before joining Wells Fargo Advisors in 2023. Outside of his advisory work, he holds a real estate license in New Jersey and has a partial ownership interest in a rental property. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm provides tailored recommendations based on proprietary research and planning tools, with planning engagements typically discrete and fees negotiated according to the scope and complexity of the service.