Tobias Bickford is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2024. Outside of his advisory role, he serves as a board member of The Bickford Foundation, a charitable family-run organization in New Jersey. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across various investment vehicles.

Leif Pettersen is a financial advisor with LPL Financial who holds a Series 66 designation and has 24 years of industry experience. He has been with LPL Financial, formerly LINSCO/PRIVATE LEDGER CORP., since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from internal and third-party sources.

Alipio Figueroa is a Branch Leader at Fidelity, a position he has held since 2023. He leads a team of financial professionals dedicated to understanding clients' goals, dreams, and aspirations, emphasizing education and clear communication to simplify complex financial topics. His approach aims to build strong relationships grounded in confidence and trust, ultimately providing clients with peace of mind and fulfillment. His professional experience spans multiple roles in the financial services industry, including Financial Consultant at Fidelity Investments from 2022 to 2023, Private Client Advisor at J.P. Morgan Chase from 2021 to 2022, Branch Manager at TD Ameritrade from 2014 to 2021, Investment Consultant at TD Ameritrade from 2009 to 2014, and Financial Advisor at Smith Barney from 2004 to 2009. Outside of his professional career, Alipio enjoys baseball, biking, fitness, golf, and snowboarding.

Paul Ranieri is a financial advisor with Osaic Wealth, Inc. and holds Series 63 and Series 65 licenses. He has 29 years of industry experience and previously worked at Securities America Advisors, Inc., Securities America, Inc., and Securities Service Network, Inc. Outside of advisory work, he is also an insurance agent specializing in fixed annuities, equity indexed annuities, and life insurance. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services and uses various asset-allocation and portfolio construction tools to provide customized investment solutions.

Michael Rytelewski is a CFP® professional with four years of industry experience, currently affiliated with Cetera. Prior to joining Cetera, he worked with Avantax Investment Services and operated Oujo Wealth Strategies. Outside of financial advising, he manages Mavs Performance Institute, where he trains athletes and provides nutritional instruction. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes 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 both affiliated and third-party managers.

Brian Fullman is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at LPL Financial since 2024 after over two decades at American Portfolios Financial Services, Inc. He is also a notary public in Brick, New Jersey. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Paul Dinunzi is a financial advisor with Wells Fargo Clearing in Toms River, NJ, holding Series 63 and Series 66 licenses and eight years of industry experience. He has been with Wells Fargo Clearing since 2017 and has worked at Wells Fargo Bank, NA since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Gregory Martin is a financial advisor with Ameriprise in Howell, NJ, holding a Series 66 designation and 17 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2008. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria, offering written Recommendation Reports that address income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and algorithmic tools to generate tailored recommendations and offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Michael Johnson is a Senior Financial Advisor with the TWN Wealth Management Group at Merrill Lynch Wealth Management. He works closely with clients to advance their financial goals by leveraging products and services from Merrill and Bank of America. His responsibilities include portfolio advising, personal wealth planning, and analysis, with a particular focus on the Merrill Alternative Investments platform. Michael's expertise encompasses a range of client focus areas such as divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, personal retirement planning, small business strategies, and tax minimization. He holds the Professional Investment Advisor designation and earned a bachelor's degree with a double major in Mathematics and Psychology from Amherst College. Outside of his professional activities, Michael participates in the Ridgewood High School Alumni Association. He resides in Red Bank, New Jersey, and values spending time with family and friends through outdoor activities including boating, hiking, biking, and paddle boarding.

Christopher Kizis is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding a Series 66 designation and 25 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he is involved in real estate management through co-ownership of CK Property Management LLC and CTKPWM, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including niche areas such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored client recommendations.

Michael Schiller is a financial advisor with Equitable Advisors in Toms River, NJ, holding Series 63 and Series 65 licenses and with 23 years of industry experience. He has been with Equitable Advisors since 2001, including its predecessor Axa Advisors, Llc. Outside of his advisory role, he is involved in inventory management for Schiller Electric and operates Titan Insurance Agency LLC. 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 employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to tailor services based on clients’ goals, risk tolerance, and time horizon.

Valerie Pamphile is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011. 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, supported by structured discovery processes and advanced modeling tools.

Albert Del Maestro Jr. is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 43 years of industry experience. He has been with UBS Financial Services since 2008. Outside of his advisory role, he serves as Vice President and board member of the Manasquan River Golf Club. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, leveraging proprietary research and model-based asset allocations. The firm combines institutional trading capabilities with wealth management, offering a broad range of financial products and services.

Marina Tranchina is the Market Leader at Fidelity Investments, overseeing a team of financial planning professionals and leaders across six locations in New Jersey: Marlton, Princeton, Manalapan, Red Bank, Bridgewater, and Morristown. She and her teams assist clients in co-creating and executing financial plans aimed at helping clients achieve their financial goals with confidence. Tranchina has extensive experience in the financial services industry, having held various roles at Fidelity Investments since 2011. Her positions have included Market Leader since 2022, Vice President and Branch Leader from 2017 to 2022, Assistant Branch Leader in 2017, Financial Consultant from 2012 to 2016, Investment Consultant from 2011 to 2012, and Financial Representative in 2011. Prior to joining Fidelity, she worked as a Registered Client Associate at Merrill Lynch from 2007 to 2011.

Joseph Giles is a financial advisor with Equitable Advisors in Wall, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Equitable Advisors since 2001, previously affiliated with Axa Advisors, LLC until 2020. 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 implement client recommendations.

Parker Nickelsen is a financial professional with the Series 66 designation currently affiliated with Mass Mutual Investors Services. He has one year of industry experience and prior work history that includes roles at Fritzies Wine & Liquor and Grinta Equipment. Outside of finance, he has ongoing involvement with Gambler Ridge Golf Course and community activities in Borough Seaside Park. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers a range of planning programs including divorce and estate-settlement services and conducts educational seminars.

Thomas Defino is a Certified Financial Planner (CFP®) with 41 years of industry experience. He has been with Morgan Stanley since 2009, currently serving in the Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he conducts 90-minute football training sessions and camps for youth through Toms River Football Club and Celtic Elite LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery processes and firm-approved planning tools.

Tanner Preston is a financial professional with one year of industry experience, currently affiliated with Cetera. He holds the Series 66 designation and previously worked at S&P Global. Outside of advisory work, he is involved as an insurance agent providing fixed insurance services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and advisory services, supported by a large network of over 10,000 advisors and more than $256 billion in assets under management.

Joann Polis is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been working since 2001. She collaborates closely with Candice in developing and implementing investment strategies tailored to their clients' needs. Joann's expertise includes college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management services, women and wealth, and retirement income. Joann holds a Master's Degree from Monmouth University and a Bachelor's Degree from Gettysburg College. She also carries the Personal Investment Advisor (PIA) designation. She focuses on helping clients achieve their financial goals through a disciplined and personalized approach to wealth planning, assisting individuals in understanding their complete financial picture to overcome obstacles and reach their objectives. Residing in Middletown, New Jersey, Joann lives with her husband and three daughters. Outside of her professional commitments, she enjoys boating, dancing, spending time with her family, and practicing yoga.

Joseph Perri is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and 39 years of industry experience. His prior roles include positions at LP Financial LLC, Royal Alliance Associates, Inc., and Cetera Advisor Networks LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management supported by proprietary and third-party research.