Mahul Balar is a financial advisor with Equitable Advisors in Marlboro, NJ, holding Series 63 and Series 65 designations and 19 years of industry experience. He has worked at Equitable Advisors since 2012 and previously was with Axa Advisors and Eagle Strategies. Outside of his advisory role, he participates as a member of real estate investment LLCs and spends time analyzing and investing in real estate opportunities. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory models and third-party asset managers to deliver tailored investment solutions.

Colin Cadena is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and one year of industry experience. Prior to joining Mass Mutual Investors Services, he worked at Equitable Advisors and held various positions outside the financial sector, including roles at Applebee’s and McDonald’s. 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 provides financial planning, asset management, and educational seminars, emphasizing collaborative client relationships and event-driven planning services.

James Gallagher is a financial advisor at Morgan Stanley with 34 years of industry experience. He has held roles at Morgan Stanley since 2013 and at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers services including structured planning tools and broad retail and institutional investment solutions.

Diane Hart is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 20 years of industry experience. She has worked at Cetera and its affiliated entities since 2013 and operates Hart Financial Services, a sole proprietorship providing non-CPA accounting and tax preparation services. Hart is also a volunteer member of Friends of Brick, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered adviser with a network of over 10,000 independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Jason Weinstein is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1998 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Daniel Seitz is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Bank of America, Merrill, and Morgan Stanley. Outside of his advisory work, he serves as Vice President of CEDJR, LLC, a non-investment-related business. Wells Fargo Advisors is a national securities firm with over 14,000 financial advisors, offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from its own investment institute and third-party sources to provide brokerage and advisory solutions.

Peter Maniscalco is a financial advisor with Cetera who holds the PFS™ and Series 63 designations and has 25 years of industry experience. He is president and owner of Maniscalco Wealth Management LTD and has held multiple fiduciary trustee roles in supplemental needs and irrevocable trusts. He serves on the board of Xavier High School and the St. Clare Church parish council. Cetera Investment Advisers LLC operates as a multi-manager platform serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through various program structures.

Jay Goldberg is a financial advisor with Equitable Advisors in Colts Neck, NJ, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure with Axa Advisors. His other business activities include involvement in various outside insurance businesses. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and diverse asset management programs. The firm’s approach involves assessing client information and risk tolerance to align clients with appropriate advisory models, utilizing both firm-offered programs and third-party asset managers.

Edward Horigan is a Certified Financial Planner® with over thirty-two years of industry experience. He has been affiliated with Primerica Financial Services since 1993 and PFS Investments Inc. since 2011. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, with a focus on percentage-based fees and ongoing oversight of potential conflicts.

Joseph Tardiff is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity since 2022, initially serving as a Planning Consultant before assuming his current role in 2024. Prior to joining Fidelity, Joseph worked as a Financial Solutions Advisor at Merrill Lynch from 2014 to 2022. His professional experience spans various aspects of financial consulting and planning. Joseph's career objective focuses on providing sound and helpful financial guidance to clients, aiming to make a meaningful difference in their lives. He is committed to pursuing further education and certifications to enhance his ability to deliver financial advice. Outside of his professional work, Joseph's personal interests include beach activities, concerts, golf, music, surfing, and swimming.

Jimmy Leong is a financial advisor at Cambridge Investment Research Advisors with 34 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior work experience includes 13 years at J.P. Morgan Securities and 10 years at Chase Investment Services Corp. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and offers various platform options and proprietary model strategies under the Founders Gate Capital brand.

Albert Kobular is a financial advisor with Merrill in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Merrill since 1987 and has been affiliated with Bank of America, N.A. since 2011. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Welsh is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His career includes roles at Citizens Securities, Santander Securities, LPL Financial, Cetera Investment Services, and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process incorporates centralized due diligence with both quantitative and qualitative research and includes broader derivatives and commodities capabilities.

James Rinkewich is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Avantax Advisory Services and Avantax Insurance Services. Outside of his advisory role, he operates a tax preparation and accounting business as a sole proprietor. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services with access to multiple program structures and third-party money managers.

Fatin Alkhaleel is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 66 credentials and 19 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been with Wachovia Bank, N.A. since 2001. 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.

Allen Laster is a financial advisor with Edward Jones, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Edward Jones, he worked at R. Neuhaus & Associates LLC and has experience in education and community roles. He also supports a family daycare business by managing its finances. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary strategies. The firm manages over $1 trillion in assets and operates a large network of financial advisors and branch offices across the United States.

Robert Buckelew is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 credential and bringing 32 years of industry experience. He has worked with Raymond James in various capacities since 2009 and also spent three years in non-variable insurance from 2016 to 2019. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and uses advanced analytical tools to support client goals, while maintaining unique offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Stephen Kuczynski is a financial advisor at Osaic Wealth Inc. He holds a Series 66 designation and has nine years of industry experience. His prior firms include LPL Financial, LLC and Ameriprise Financial Services, Inc. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a variety of brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a multi-advisor platform incorporating third-party managers and proprietary investment models.

Bryan Perry is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2001 and also associated with Bank of America since 2009. Outside of his advisory role, he serves as a council member for the Borough of Sea Girt, New Jersey. 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, and institutional investors.

Victoria Tomaro is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 licenses. She has 48 years of industry experience, including prior roles at LPL Financial, The Investment Center Inc, Ic Advisory Services Inc, and TFS Securities, Inc. Tomaro also operates a separate financial services business under the Tomaro Financial Group name. Cambridge Investment Research Advisors, Inc. serves a broad range of individual and institutional clients, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals and multiple platform options.