Michael Libraty is a financial advisor at UBS Financial Services with 23 years of industry experience. He holds the Series 66 designation and has been with UBS since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Kevin Garcia is a financial advisor at Morgan Stanley with 15 years of industry experience. He has been with Morgan Stanley since 2014 and currently works at Morgan Stanley Private Bank, N.A. since 2020. He holds the Series 66 designation and is based in New York, NY. 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.

Monika Santos is a financial advisor at Fidelity with 18 years of industry experience. She holds the Series 63 and Series 66 designations and has been associated with various divisions of Fidelity since 2012. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage diversified model portfolios.

Jesse Cohen is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and seven years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following three years at Bank of Tokyo. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate agreements.

Alexander Kandelaki is a financial advisor with Mass Mutual Investors Services and holds the ChFC® designation along with Series 63 and Series 65 registrations. He has eight years of industry experience, including roles at Mass Mutual Investors Services since 2018 and MassMutual Life Insurance Company since 2017, as well as prior experience with Presidio. He is also involved in outside insurance sales through Kandelaki Solutions, focusing on life, disability, property and casualty, long-term care, fixed annuities, and health insurance products. Mass Mutual 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 utilizes firm-approved software for client goal analysis and delivers written recommendations, with implementation requiring separate brokerage or insurance arrangements.

Bogna Zachura is a financial advisor with Equitable Advisors in Holmdel, NJ, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been with Equitable Advisors since 1999 and previously affiliated with AXA Advisors, LLC. Her other business activities include various insurance-related roles. 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 uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Samantha Mascia is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Bank of America, Merrill, and Wells Fargo prior to joining J.P. Morgan. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Bertram Riley Jr. is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previous experience at Cadaret, Grant & Co., Inc., Royal Alliance, and Petersen Investments, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by diversified investment strategies and technology-driven portfolio management.

Joseph Higgins is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Ameriprise since 2016 in various capacities. Outside of his advisory role, he serves as Treasurer on the Board of Directors for the Shark River Surf Anglers in Spring Lake, NJ. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides retirement planning advice focused on income sources and tax-aware withdrawal strategies. The firm utilizes proprietary research and third-party data to deliver customized recommendations within a defined investment framework.

Marc Ridell is a financial advisor with Morgan Stanley, holding a Series 66 designation and 15 years of industry experience. He previously worked at UBS Financial Services for ten years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment committee insights.

Michael Remey is a Wealth Management Advisor with Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional who specializes in tailoring investment and advanced planning strategies to help clients achieve their life goals and objectives in business and retirement. Michael focuses on clients’ needs throughout both the accumulation and distribution phases of retirement, developing financial strategies that align with their individual circumstances. His areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, individual and corporate investment strategy, and tax minimization. Michael holds a bachelor's degree from Colgate University, where he concentrated in economics and studied abroad in Russia. He also holds the designations Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). Outside of his professional work, Michael is involved in his community as a soccer coach with the Middletown Soccer Club. He enjoys golfing, skiing, hiking, ice hockey, running, tennis, and spending time with his family. Michael and his wife, Aimee, live in Rumson, NJ, with their three children.

Frank Fabiano is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2011 and previously worked at Morgan Stanley Private Bank, N.A. from 2017 to 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling in its advisory process.

Patrick Preston is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has developed expertise in creating personalized financial strategies that address the complex needs of individuals, families, and businesses. Patrick emphasizes a client-centered approach, aligning his services with the principle that "the client's needs come first." He collaborates with a team of specialists and coordinates with clients' attorneys and accountants to integrate investment management with tax minimization, wealth transfer, and estate planning. Patrick joined Merrill Lynch Wealth Management in 1991 after earning his bachelor's degree from the University of North Carolina at Greensboro, where he was a student-athlete on the men’s soccer team. He was promoted to Resident Director of the Freehold office in recognition of his client commitment and service delivery. Patrick holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Freehold with his three children, Patrick actively contributes to the community through board memberships and volunteer work with organizations such as the YMCA of Western Monmouth, Graeme Preston Foundation for Life, Freehold Soccer League, and the Lake Topanemus Park Commission. His personal interests include gardening, golfing, traveling, and spending time with his family.

Michael Cantin is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, where he worked for over two decades. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations with financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party managers. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to client goals and risk tolerance.

William Baxter III is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. Prior to his current role, he worked at Wells Fargo, Victory Brewing Company, Heineken, and Harrison Beverage Company. He also has experience in academia, having been affiliated with the University of Delaware. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, supported by research from the Wells Fargo Investment Institute and a broad range of financial products distributed through bank and insurance affiliates.

Jennifer Noone is a Senior Financial Advisor with The Noone Group at Merrill Lynch Wealth Management. In her role, she focuses on managing client relationships and acquiring new clients. Jennifer emphasizes the importance of building strong relationships with clients based on understanding, clear communication, and mutual respect. Her passion for financial planning is influenced by a family connection to wealth management, and she is motivated by helping individuals and families achieve their financial goals through goals-based wealth management. Jennifer holds a Bachelor of Arts degree in Psychology and Mathematics, as well as an MBA in Entrepreneurship, both from Syracuse University. She holds FINRA Series 7, 63, and 66 registrations, is licensed in life insurance, and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is actively involved in community service, volunteering with the American Cancer Society and the Boomer Esiason Foundation. Jennifer has chaired and co-chaired the Monmouth County Cancer Ball, New Jersey's largest charitable black tie event for the American Cancer Society, and has been recognized as an honoree at the American Cancer Society Jersey Shore Golf Classic. Her work in the community reflects the Merrill tradition of service to the communities they serve.

Michael Noone Jr. is a financial advisor at Merrill with 17 years of industry experience and holds a Series 66 designation. His work history includes roles at Morgan Stanley and its Private Bank, as well as Bank of America. No additional outside activities were noted. Merrill 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, and institutional investors.

Jennifer Lumsden is a Series 66 licensed advisor with Ameriprise Financial Services, LLC, based in Red Bank, NJ. She has 18 years of industry experience, including six years with Ameriprise Financial Services, LLC and four years with Ameriprise Financial Services, Inc. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Daniel Krause is a financial advisor at LPL Enterprise with five years of industry experience. He holds the Series 66 designation and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he operates a business under the name Daniel Krause Design. 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 portfolios, third-party asset management, and a range of brokerage and insurance products supported by its integrated platform.

Derek Swanner is a financial advisor with Ameriprise in Little Silver, NJ, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered by a centralized consulting team, with an emphasis on assets held in Ameriprise Managed Accounts and a range of advisory, brokerage, and insurance solutions.