Joanne Lam is a financial advisor at Osaic with 19 years of industry experience. She holds a Series 66 designation and has previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. Additionally, she serves as a member of the Holmdel Board of Education. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and third-party money managers to construct diversified portfolios for its clients.

Janice Milara is a financial advisor with Wells Fargo Clearing based in Red Bank, NJ. She holds a Series 66 designation and has two years of experience in the financial industry. Prior to joining Wells Fargo, she worked in healthcare organizations including Hackensack Meridian Health Ocean University Medical Center and Monmouth Medical Center. 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 provides both brokerage and advisory solutions.

Joann Bracken is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2010. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party portfolio management teams.

Matthew Waters is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC and Merrill. 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 analytics.

Daniel Buckley is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 28 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. He is based in Staten Island, NY. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets, providing written recommendation reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm employs a centralized consulting team and algorithmic tools to deliver tailored, non-discretionary advice as part of a broad range of advisory, brokerage, and insurance solutions.

Joseph Pascarella is a financial advisor at LPL Financial with 34 years of industry experience. He has been with LPL Financial, including its predecessor LINSCO/PRIVATE LEDGER CORP., since 1994. He holds the Series 63 designation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supporting its network of over 22,800 advisors with a range of discretionary and non-discretionary strategies.

Daniel Wuhrman is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, J.P. Morgan Chase, TD Bank, Entegee, Inc., and Bergen Community College. He also volunteered with Special Olympics New Jersey for one year. Merrill, together 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 strategies for a range of individual and institutional clients.

Madelaine Brooks is a financial advisor at LPL Enterprise with 23 years of industry experience. She holds Series 63, Series 65, and Series 66 designations. Her prior experience includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Jason Tribandis is a financial advisor with Merrill holding a Series 66 designation and has one year of industry experience. His prior work includes roles at Bank of America, BNY, and various other companies across different sectors. Merrill, together 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, pension and profit-sharing plans, corporations, and charitable organizations.

Mikhail Khochinsky is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2005. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Ashley Altman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 15 years of industry experience. She previously worked at Foresters Advisory Services LLC and Foresters Financial. Outside of her advisory role, she is a partner in a business focused on purchasing, rehabbing, and reselling real estate properties. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management solutions, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Eric Flynn is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2011. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

John Del Mauro is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked at Morgan Stanley since 2017 and was previously with Merrill from 2011 to 2017. He holds Series 63 and Series 65 licenses and is a partner at LaFamiglia Ventures, LLC, an investment and finance firm. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services that include both retail and institutional financial planning.

Dwayne Barberis is a financial advisor with Morgan Stanley in Red Bank, NJ, holding the Series 66 designation and bringing 18 years of industry experience. He has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery and firm-approved planning tools.

Christopher Grella is a CFP®-designated financial advisor with 31 years of industry experience. He is currently with LPL Enterprise, LLC, having joined in 2026, and previously worked at Ameriprise Financial Services and MSI Financial Services. LPL Enterprise, LLC provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a large network of investment adviser representatives. The firm employs a model-driven investment approach and offers services including financial planning, access to third-party asset managers, and participation in a wrap program.

Erin Lindquist is a CFP® with four years of industry experience, currently serving as a financial advisor at Cetera. She has previously worked with Avantax Advisory Services and Avantax Insurance Agency, and maintains a financial advisory role at Zonin Wealth Management, where she provides values-based financial planning and portfolio management. Additionally, Erin is a Notary Public in New Jersey. Cetera Investment Advisers LLC is an SEC-registered firm supporting a large network of independent advisors and serving a diverse client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through multiple program structures and custodial relationships.

William Murphy is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and having 34 years of industry experience. His prior roles include positions at Citizens Securities, Cetera, Wells Fargo Clearing, and PNC Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services supported by extensive technology and a broad platform of investment strategies, overseeing over $819 billion in discretionary assets across more than 22,800 advisors.

Yekaterina Tumayeva is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also has roles at JPMorgan Chase Bank, N.A. since 2010. Outside of her advisory work, she has a business interest in 274/276 Hamilton Avenue, LLC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when making investment recommendations.

Katie Ward is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has 25 years of industry experience, including over 17 years with Wells Fargo firms. Outside of her advisory role, she serves as a leader and treasurer for local Girl Scout troops in New Jersey. 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 combines research from Wells Fargo Investment Institute and third-party sources to support its investment strategies, serving clients through both brokerage and advisory solutions.

Peter Jackowitz is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and 22 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Advisors, LLC prior to his current position. Outside of his advisory work, he is a co-owner of an investment-related merchant partnership and serves as vice president of a townhouse community association. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services through a large network of advisors. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.