Steven Higley is a Series 66–registered financial advisor with Equitable Advisors in Toms River, NJ, with 29 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 1999. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a variety of third-party advisory models and providing ERISA fiduciary services for qualified plans.

Scott Rast is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has worked with firms including VOYA Financial Advisors and has operated Rast Financial Services since 2000. Outside of his advisory work, Rast is also a musician who performs at benefits, local taverns, and wineries. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, catering to diverse investment needs and program structures.

Rhonda Wind is a financial advisor with Cetera, holding Series 63, Series 65, and Series 66 licenses and possessing 33 years of industry experience. Her prior roles include positions at Morgan Stanley and Jalinski Advisory Services. Outside of her advisory work, she is employed as a store associate at Ralph Lauren and is a commissioned notary public. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting a diverse range of investment strategies and program structures.

Darrin Bradley is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His prior work includes roles at Minnesota Life Insurance Co, Securian Financial Services Inc, Allied Wealth Partners, Massachusetts Mutual Life Insurance Company, and Metlife Securities. He is involved with Certainty of Uncertainty, a financial advisory-related LLC. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, delivering written recommendation reports through a centralized consulting team that integrates research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Chris Alexander is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. In this role, he collaborates with clients to develop customized financial strategies and plans tailored to their individual goals. Alexander brings over 20 years of experience in the financial services industry. His previous positions include Regional Director roles at Thrivent Mutual Funds, Schroders, Wells Fargo Advantage Funds, and MFS Investments, as well as a Financial Advisor position at Merrill Lynch. This extensive background reflects his expertise in financial consulting and regional management within the investment sector.

John Volk is a financial advisor with Fidelity, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior work includes six years at TD Ameritrade before joining Fidelity in 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model investment solutions.

Michael Rosenthal is a financial advisor at Stifel with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Raymond James & Associates for 17 years and Overtime Angels, Inc. for nine years. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Richard Kelly is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 designations and bringing 21 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Matthew Speedy is a financial advisor with Equitable Advisors in Toms River, NJ, holding Series 63 and Series 65 credentials and 31 years of industry experience. His career includes roles at Morgan Stanley and Citigroup Global Markets prior to joining Equitable Advisors, where he has worked since 2009. He also operates under the DBA Private Wealth Strategies Group. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm employs a model-based and discretionary investment approach, utilizing both proprietary and third-party solutions without sponsoring its own wrap fee program.

Kurt Rossi is a financial advisor with LPL Financial, holding CFP® and Series 66 designations and bringing 25 years of industry experience. He has been with LPL Financial since 2008, following six years at Ameriprise. Outside of his advisory work, he is involved with KJ Rossi Group, LLC, a business entity used for managing office expenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing various investment strategies and supported by technology tools for research and operations.

Geoffrey Ernst is a financial advisor at MassMutual Investors Services with 22 years of industry experience. He holds a Series 66 designation and has worked previously at MetLife Securities. In addition to his advisory role, he is a licensed insurance agent involved in dental, group disability income, fixed annuities, life, accident, health, long-term care, and property and casualty insurance. 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 offers financial planning, asset management, and educational seminars using firm-approved analytical tools to develop written recommendations tailored to client goals.

Samuel Marco Gugliemini is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Bank of America and Merrill. He is currently based in Toms River, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and modeling techniques.

Bradley Dobin is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 25 years of experience in the financial services industry. He leverages his background as an institutional trader and extensive expertise to serve an affluent clientele, including financial and technology executives, medical professionals, attorneys, and business owners. Since joining Merrill in 2009, Bradley has managed multiple discretionary portfolios, utilizing strategies such as cash flow-driven total return with options, equity-only investments, and fixed-income laddered bond portfolios. Bradley’s approach emphasizes a holistic and realistic wealth management philosophy that integrates investments, insurance, liabilities, and lending solutions through Bank of America. He focuses on risk reduction and cash flow-focused strategies tailored to client goals, including family wealth management, retirement planning, portfolio management, and structured settlements, particularly for malpractice attorneys. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst (CIMA), Certified Portfolio Manager (CPM), Personal Investment Advisor (PIA), and Retirement Manager Advisor (RMA). A graduate of Michigan State University, where he played baseball, Bradley draws parallels between consistent financial returns and sports, emphasizing steady progress over spectacular gains. Outside of work, he volunteers in the community and enjoys baseball, music, reading, running, and spending time with his family.

Michael Broderick is a financial advisor with Primerica Advisors in Brick, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Financial Services and PFS Investments Inc. since 1993. Outside of investment advisory, he is involved in the sale of loan products, home security and automation services, and other home-related products through affiliated companies. Primerica Advisors sponsors 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 entities. The firm utilizes model-driven investment strategies managed by third-party asset managers and maintains approximately $15.5 billion in assets under management across its nationwide network of advisors.

Lauren Ruperto is an Investment Consultant at Fidelity Investments, a position she has held since 2024. In this role, she collaborates with clients to develop personalized investment strategies that align with their unique financial goals, focusing on balancing risk, protection, and growth. Prior to joining Fidelity Investments, Lauren worked as a Financial Solution Advisor at Merrill Lynch from 2023 to 2024. Her professional experience centers on investment consulting and financial advising, aiming to provide tailored financial planning services. Outside of her professional work, Lauren has interests that include beach activities, cooking and baking, family activities, fitness, outdoor adventures, and parenthood.

David Cundey is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory role, he is a managing partner at Big Hat Partners, a private real estate company based in Palm Beach, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and modeling techniques.

Nicholas Brewer is a financial advisor at Morgan Stanley based in Shrewsbury, NJ. He holds a Series 66 designation and has been with Morgan Stanley since 2025. Prior to joining the firm, he worked in various roles including at the High Bar Harbor Yacht Club and Northern Burlington Regional School District. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by advanced modeling tools.

Michael Nolan is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has experience working at several firms, including Creative Financial Group, National Life Insurance of Vermont, and Northwestern Mutual. Nolan has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2025. 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 offers annual, collaborative planning engagements using firm-approved analytical tools and programs tailored to various client needs.

Eric Sciulla Jr. is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. He has been affiliated with Cetera and its predecessor entities since 2008. Outside of his advisory role, Sciulla is involved in several business activities including managing partnerships in financial consulting and non-CPA tax preparation firms. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary strategies.

Jeremiah Mc Namara is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds a Series 63 designation and has previously worked at Morgan Stanley and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics while serving a wide range of client needs.