Michael Barrett is a financial advisor with LPL Enterprise holding a Series 66 designation and has one year of industry experience. Prior to joining LPL Enterprise, he worked at The Home Depot and held roles in education at Ocean County College/KEAN University and Lacey Township High School. He also maintains employment with The Home Depot alongside his financial advisory work. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs through an integrated platform.

Phyllis Caputo is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. She has been with Primerica since 2006 and is also involved with Jersey Strong and IEEE, Inc. Outside of advisory work, she receives compensation related to sales of loan products and referrals for home security and automation services through affiliated entities. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services largely through model-based investment strategies and discretionary separately managed accounts.

Michael Sosa is a financial advisor at Cetera with 35 years of industry experience. He holds the Series 66 designation and has been affiliated with Cetera and its related entities since 2016. He is the owner of Premier Financial Investment Group, a financial services and tax business he has operated since 2004. Outside of advising, Sosa serves as chairman of the investment committee for Felician Sisters School for Exceptional Children, a nonprofit organization. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that provides access to both affiliated and third-party money managers.

Liberta Falzon is a financial advisor at UBS Financial Services with 19 years of industry experience. She has been with UBS since 2004 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering proprietary research and a variety of capital markets and lending solutions.

Gerald Jarmusik Jr. is a financial advisor at Mass Mutual Investors Services with 37 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Mass Mutual Investors Services and Mass Mutual Insurance Company since 2017, following a two-year tenure at MetLife Securities Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements that analyze client goals using firm-approved software and provide written recommendations.

Christopher Langley is a financial advisor at Edward Jones with eight years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2018. Prior to this, he was employed at UCB Pharmaceutical and was affiliated with Emory University Goizueta Business School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices across the United States.

Nicole Kevoian is a financial advisor with LPL Financial and holds a Series 66 designation. She has four years of industry experience and has worked at LPL Financial since 2019. In addition to her advisory work, she is a notary in New Jersey and maintains employment as a DoorDash driver. 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, supported by research and multiple portfolio strategies.

John Mcdonough is a financial advisor at OSAIC with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Froehlich Financial Group, Ltd. and American Portfolios Advisors, Inc. Additionally, he owns and operates JEM Wealth Management, where he provides investment advisory and insurance services. OSAIC serves a diverse client base, including individuals, high-net-worth investors, and institutions, offering integrated brokerage and advisory services. The firm employs a range of portfolio construction tools and supports multiple advisory platforms and third-party managed account solutions.

Joseph Fay Jr. is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. His career includes roles at Minnesota Life Insurance Company, Securities Financial Services, Inc., and Allied Wealth Partners. Outside of advising, he has a referral relationship involving consulting medical billing services through CG Moneta Consulting. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Theodore Daniels is a financial advisor with UBS Financial Services in Wall, New Jersey. He holds Series 63 and Series 66 designations and has 15 years of industry experience, including prior roles at Bank of America and Merrill. Outside of his advisory work, Daniels performs stand-up comedy on select weekends, sometimes for profit and other times as fundraisers, and contributes to a paranormal-themed podcast. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerance. The firm integrates institutional trading capabilities with wealth management and offers a broad range of capital markets and advisory services.

Joseph Fay III is a financial advisor with Cetera, holding a Series 66 credential and five years of industry experience. He has worked with several firms, including Allied Wealth Partners and Minnesota Life Insurance Company. Outside of advising, he engages in fixed insurance sales as an independent contractor and refers potential clients to consulting medical billing services. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple investment strategies and third-party managers.

Brian Mccaskill is a financial advisor at Thrivent Investment Management with 13 years of industry experience. He holds the Series 66 designation and has worked at Thrivent Financial for Lutherans since 2013. He serves on the board of Your Grandmother's Cupboard, a nonprofit that provides free food and clothing to those in need, and is secretary of Community Services Inc of Ocean County, an organization that delivers meals to elderly individuals. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing comprehensive, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account programs under a consolidated billing option called WealthPlan while keeping services separate.

Daniel Koerner is a CFP®-credentialed financial advisor with 10 years of industry experience. He is currently with Cetera and has prior experience at Avantax Advisory Services, 1st Global Advisors, and runs Koerner & Koerner, PA, an accounting firm where he is a partner. He is also involved with Koerner WealthCare, LLC, providing insurance, tax, investment, and estate planning for closely held business owner clients. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Michael Teichman is a CFP® with nine years of industry experience, currently serving as a financial advisor at Equitable Advisors since 2017. Prior to this, he worked at AXA Advisors LLC and has a background that includes four years at SUNY Oneonta. He is an executor for a family trust and has engaged in Medicare insurance activities through Ash Brokerage. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a variety of advisory models and third-party asset managers, offering a range of investment options and ERISA fiduciary services to qualified plans.

Robert D'Addario is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management, serving as the senior member of The D'Addario Group in Short Hills, New Jersey. He has been with Merrill for over 31 years and has been recognized on Barron's "Top 1,500 Financial Advisors" list for 2022, 2025, and 2026, as well as on the Forbes "Best-in-State Wealth Advisors" list for multiple consecutive years from 2018 through 2026. Robert holds several professional designations including Certified Portfolio Manager (CPM), Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Adviser (CPFA), and Chartered Retirement Planning Counselor (CRPC). He focuses his expertise on areas such as retirement planning, portfolio management, tax minimization, family wealth management strategies, and managing new wealth. His experience includes assisting individuals during periods of financial transition. He earned a B.S. in Business Administration with a concentration in Finance from Rider University, where he participated in ROTC and served in the New Jersey Army National Guard as a Field Artillery Officer. Robert also holds an M.B.A. with a concentration in Finance from Fairleigh Dickinson University. He supports Rider University on the Executive Advisory Council and the Finance & Economics Advisory Council. Robert's personal interests include golfing, spending time with his family, and traveling.

Margaret Lynch is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 14 years before joining Morgan Stanley Smith Barney LLC in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Robert Holly is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Morgan Stanley since 2020, following prior roles at Academy Securities and Loop Capital Markets. Outside of his advisory work, Holly serves as a member of the university relations committee for the Old Guard of Princeton nonprofit organization. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and economic modeling techniques.

Richard Galgano is a financial advisor at UBS Financial Services with 36 years of industry experience. He held prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. In addition to his advisory work, he serves as an adjunct teacher at Ocean County College and is the treasurer of the Ocean County College Foundation, which provides scholarships. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to clients’ goals. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and affiliated banking programs.

Alexander Jakucs is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds the Series 66 designation and has prior experience with NYLife Securities LLC and various contracting and service businesses. Outside of his advisory role, he is involved as an insurance broker with Creative Risk Management, LLC. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved analytical tools, along with specialized programs such as divorce planning and estate-settlement services.

Michael Scotto is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2010, including work at Morgan Stanley Private Bank, N.A. since 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides advisory services through its Financial Advisors and Estate Planning Strategies Group.