Courtney Hogan serves as a Resident Director at Merrill, where she specializes in personalized wealth management strategies. Since beginning her career at Merrill in 2001, Courtney has gained extensive experience working with families, businesses, executives, and retirees. Her approach emphasizes guidance, communication, and service, integrating education and investment insights to support clients' financial goals. She collaborates with a team known as The Pearlman Group, which adopts a comprehensive family office model and works closely with clients' CPAs and attorneys to develop tailored strategies for retirement planning, wealth transfer and preservation, special needs planning, and liability management. Courtney focuses particularly on Corporate Executive Services, Family Wealth Management Strategies, and Women and Wealth. She holds a Bachelor's Degree from the Pennsylvania State University System and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to her professional responsibilities, Courtney participates in various community organizations such as Clean Ocean Action, Girl Scouts, Point Pleasant Youth Football and Cheer, and Save Barnegat Bay. Her personal interests include boating, running, and soccer.

Khawaja Tariq is a Senior Vice President and Wealth Management Advisor with Merrill Lynch, Pierce, Fenner & Smith Inc., where he has served since 2012. Bringing extensive experience in investment management, he started his career at The Northern Trust Company in 1998 and later worked at Morgan Stanley Smith Barney before joining Merrill. His areas of expertise include family wealth management strategies, personal retirement planning, philanthropic planning, socially responsible and ESG investing, and tax minimization. He holds a Bachelor's degree from DePaul University and maintains several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition, he holds FINRA Series 7, 63, and 65 registrations. Fluent in Hindi, Gujarati, Urdu, and English, Mr. Tariq is committed to building strong client relationships and delivering personalized wealth management strategies tailored to individual goals. Outside of his professional activities, Khawaja Tariq is involved with the Muslim Community Center of Chicago and the Village of Morton Grove. His personal interests include golfing, tennis, and traveling.

John Alberti is a financial advisor at Equitable Advisors with 24 years of industry experience. He holds the Series 63 and Series 66 designations. His prior roles include positions at AXA Advisors, DB USA Core Corporation, and Deutsche Bank Securities. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, leveraging third-party asset managers and advisory platforms alongside its own service network.

Nicholas Joyce is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also affiliated with JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity futures registrations.

Ricardo Dager is a financial advisor at Mass Mutual Investors Services with Series 66 credentials and two years of industry experience. His background includes roles at MassMutual Life Insurance Company and teaching positions at The College of New Jersey and Glen Rock High School. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved software and a collaborative planning process.

Myles Shapiro is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His work history includes positions at Santander Bank and Jpmorgan Chase Bank, N.A. before joining J.P. Morgan Securities. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis.

Kenneth Koerner is a CERTIFIED FINANCIAL PLANNER™ professional with 14 years of industry experience, currently affiliated with Cetera. His career includes roles at Avantax Investment Services and 1st Global Advisors, and he has maintained a family business, Koerner & Koerner PA, since 1987. Koerner also manages Koerner Healthcare, LLC, a financial services business based in Toms River, NJ. Cetera Investment Advisers LLC is a large, SEC-registered firm with over 10,000 advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of program options and investment strategies, managing more than $256 billion in assets.

Jeffrey Van Demark is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 66 credentials and has 42 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC, Morgan Stanley, and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions using research and analytics grounded in diversification and modern portfolio theory.

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.