Pasquale Rinaudo is a financial professional at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Mid Atlantic Resource Group and Minnesota Life Insurance Company. Outside of his advisory role, he works as an independent contractor accountant and has involvement in floral sales and other small business activities. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers diverse portfolio management and consulting services through a multi-manager platform with access to third-party money managers and a variety of program structures.

Gracia Simms is a financial advisor at Primerica Advisors with Series 65 and Series 63 licenses and six years of industry experience. She has worked at Pfs Investments Inc since 2020 and Primerica Financial Services since 2019. Additionally, she has been affiliated with Newark Beth Israel Medical Center since 2004. Primerica Advisors sponsors and 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 operates at scale with thousands of advisors and offices and employs model-delivery strategies created by unaffiliated asset managers, supported by discretionary separately managed account options and overlay management.

Irene Mueller is a financial advisor with Morgan Stanley in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets starting in 1993. 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 and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Robert McNeill Jr. is a financial advisor with Equitable Advisors in Wall, NJ, holding a Series 66 designation and 15 years of industry experience. He has worked at Equitable Advisors since 2010 and previously was associated with Axa Advisors. Outside of advisory work, he is involved in healthcare insurance through Medicare and disability and long-term care insurance programs in collaboration with Coldwell Banker employees. 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 both advisory and brokerage/insurance channels to execute client recommendations.

Ricardo Astacio Felix is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked with Primerica and its affiliated entities since 2011. Outside of his advisory role, he serves as a remote online notary. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while operating under a tiered wrap-fee structure.

David Peracchio is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2014. 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by a centralized operational structure and comprehensive due diligence on alternative investments.

Scott Mondry is a financial advisor with Edward Jones in Toms River, NJ, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and maintains additional capabilities such as a trust company and securities-based lending.

Aine Tomasso is a financial advisor at RBC Capital Markets with 13 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and City National Bank. Outside of her advisory role, she is the owner of a private company unrelated to investments. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services, tailoring strategies to clients’ risk profiles.

Dana Bitterly is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and its affiliate Morgan Stanley Private Bank, National Association since 2013. 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, and manages approximately $2.74 trillion in client assets.

James King Jr. is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Commonwealth Financial Network for 10 years. He is the director of wealth management at King Financial Network, a marketing DBA through which he provides investment management and financial planning services. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and retirement services and supports both discretionary and non-discretionary account structures.

David Wray is a financial advisor at Edward Jones with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Nicholas Chiarella is a Series 66-registered financial advisor with Merrill in Red Bank, NJ, where he has worked since 2013. He has eight years of industry experience. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional clients. The firm is integrated with Bank of America’s corporate platform, enabling access to a broad set of products and services.

Tracy Buik is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been in the financial services industry since 1985, working for several large firms before joining Merrill Lynch in 2015. Over her career, Tracy has worked with a diverse range of clients, providing her with the experience to address a wide variety of client needs. Her areas of focus include managing new wealth, portfolio management services, and tax minimization. Tracy holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma/GED from Cranford High School. Outside of her professional role, she enjoys gardening, traveling, reading, and spending time with her family.

Frederick Cordisco is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and over 31 years of industry experience. He previously worked at UBS Financial Services for 11 years and has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank since 2023 and 2024, respectively. Outside of his advisory work, he serves as a board member at Grace and Peace Church and volunteers counseling men in recovery at America’s Keswick Colony of Mercy. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and methodologies.

Anthony Codispoti is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 32 years of industry experience. Prior to joining Morgan Stanley, he worked at UBS Financial Services for 11 years. Outside of finance, he is the sole proprietor and head instructor of The Phoenix Way, a martial arts facility in Shrewsbury, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs 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 services that include investment advisory, estate planning, and access to various financial products.

Steven Goldsmith is a CFP® and ChFC® with 35 years of industry experience. He is currently affiliated with LPL Financial, where he has worked since 2019 following a 29-year tenure at Ameriprise Financial Services, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with a range of discretionary and non-discretionary management options supported by in-house and third-party research.

Al Raia is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC, spanning from 2009 to the present. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients, offering a broad range of financial planning services tailored to clients who meet specific net-worth criteria. The firm integrates advisory services with other financial products and provides planning support using proprietary research and tools.

Vincent Hirsch is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 20 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC for nearly two decades. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering both advisory and brokerage services through a platform that integrates financial planning, model portfolios, and access to third-party asset management programs.

Samuel Harris is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and previously worked at Hornor, Townsend, & Kent LLC and within the sports and entertainment sector at Philadelphia Union - Keystone Sports and Entertainment LLC. 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Brett Macbain is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Santander Securities, LLC and Santander Bank, NA. 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 provides a range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary portfolio management supported by proprietary and third-party research.