Christian Beach is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on delivering a customized wealth management experience by combining a disciplined process with a deep understanding of client needs. Christian works with clients on planning for retirement, funding education expenses, and developing strategies for small business owners to achieve their financial goals. Christian's expertise includes divorce transition planning, employee benefits planning, employee financial health, personal retirement planning, and small business strategies. He holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Christian attended Brookdale Community College and Rutgers, although no diplomas were conferred. In addition to his professional work, Christian is involved in community activities including the American Cancer Society and coaching soccer for TRFC. Outside of work, he enjoys camping, hiking, music, spending time with his family, and writing.

Jonathan Steiger is a financial advisor with Equitable Advisors in Wall, NJ. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at A.J. Gallagher, Arla Foods, and involvement with The College of New Jersey. Equitable Advisors serves a broad mix of individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through LPL-sponsored programs and endorsed third-party managers, providing both discretionary and non-discretionary advisory solutions.

Christopher Edgar is a Wealth Management Advisor and co-head of a six-member practice based out of the Jersey Shore with Merrill Lynch Wealth Management. He and his team focus on helping clients simplify their financial lives and make educated financial decisions. With over 15 years of experience in the financial services industry, Chris joined Merrill Lynch Wealth Management following the Great Financial Crisis. He specializes in risk management and capital preservation, managing corporate benefit programs like equity compensation and various retirement plans. His expertise extends to corporate executives and their families, providing comprehensive wealth management strategies. Chris holds a Bachelor's Degree from Rider University and has earned several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of work, he is involved in community organizations such as the Boy Scouts of America and supports local groups like the Brielle Education Foundation, Children's Specialized Hospital, and youth sports leagues. His personal interests include adventure sports, boating, golfing, photography, and spending time with his family.

Joseph Stephens II is a CFP® professional with seven years of industry experience, currently affiliated with Cambridge Investment Research Advisors. His prior experience includes roles at Allstate Insurance Co and Allstate Financial Advisors, as well as involvement with E&J Gallo Winery. Stephens serves as Treasurer and a Board Member of the New Jersey chapter of NAIFA. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions including proprietary and third-party strategies, with both discretionary and non-discretionary implementation options tailored to client objectives.

Georgia Christodoulou is a financial advisor at Mass Mutual Investors Services with 42 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at METLIFE Securities Inc. She is also a partner at Creative Risk, a property and casualty business. 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, charitable organizations, and employers. The firm offers structured, collaborative planning engagements and a range of programs including money-manager and employer-sponsored planning.

Yehuda Goldfein is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, Merrill, and Edirect. Prior to his financial services career, he was affiliated with Keser Torah Mayan Hatalmud for seven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Jason Mieras is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with OSAIC since 2024 and has a longstanding career at American Portfolio Financial Services beginning in 2001. Outside of his advisory role, he is a 50% owner and insurance agent at MFI Retirement Planning Assoc., specializing in fixed insurance sales. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing, managing portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments on both discretionary and non-discretionary bases.

Gerard Tischio is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017, following a 32-year tenure at Merrill. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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.

Daniel Flynn is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 licenses and has 29 years of industry experience. His career includes roles with MML Investors Services LLC, MassMutual Life Insurance Company, Pruco Securities, LLC, and Prudential Insurance Company of America. 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 tools to deliver collaborative, goal-focused recommendations.

Raymond Gardner is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and previously worked for Avantax Advisory Services and Avantax Investment Services Inc. Before entering the financial industry, he spent 17 years with the Ocean County Prosecutor's Office. Outside of advising, he serves as a high school and youth sports referee for football and soccer and provides forensic accounting services. Cetera Investment Advisers LLC serves a broad client base including individual investors, employer-sponsored retirement plans, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and third-party money managers.

Charles Head is a financial advisor at Fidelity with 37 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes over 16 years at Tiaa and a year at The Vanguard Group, Inc. He works within Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, fund advisory, and multi-manager structures.

Yosef Pick is a financial advisor at LPL Enterprise with two years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at TD Private Client Wealth LLC and TD Bank N.A. He also provides occasional IT support for an e-commerce business operated by his wife. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform.

Cory Case is a financial advisor with Equitable Advisors, holding a Series 66 designation and nine years of industry experience. He has worked at Equitable Advisors since 2017 and previously was associated with AXA Advisors, LLC. Outside of advising, Cory is a member of BNI in Manahawkin, NJ. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates with a delivery model that emphasizes LPL-sponsored programs and endorsed TAMPs, managing substantial regulatory assets on both discretionary and non-discretionary bases.

Shannon Schiavo is a financial advisor with Ameriprise, holding a Series 66 designation and 16 years of industry experience. She has worked with Ameriprise Financial Services, Inc. and Ameriprise Financial Service, LLC since 2009. Outside of her advisory role, Schiavo is involved in beekeeping as a non-investment-related business activity. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Nicholas Cherekjian is an Investment Solutions Representative III with experience at Fidelity Investments and Wells Fargo Advisors. His roles have included Investment Solutions Representative I and High Net Worth Associate at Fidelity, as well as Executive Office Case Advisor at Wells Fargo Advisors. He also held a position as an Actuarial Intern at Crum and Forster. Nicholas focuses on providing client service by listening to understand each client's unique goals, values, and concerns before formulating strategies. He aims to simplify complex financial concepts, offer clear guidance, and build trust through transparency and consistent follow-up. His approach emphasizes education and collaboration to empower clients to make decisions aligned with their objectives. Outside of his professional work, Nicholas enjoys fitness, hiking, outdoor adventures, running, snowboarding, and surfing.

Barry Gottlieb is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and possessing 18 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2010 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad 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 structured planning tools as part of its advisory process.

Alexis Jaeger is a financial advisor at Primerica Advisors with seven years of industry experience. She holds the Series 63 and Series 65 credentials. Outside of her advisory role, she owns an online clothing business called His Kingdom Apparel. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes a model-delivery strategy supported by third-party asset managers and focuses on scaled advisory services through a large network of advisors.

Christopher Carbone is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America N.A. since 2022 and operating Carbone's Clothing Company from 2016 to 2022. 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 investment strategies for a range of individual, corporate, and nonprofit clients.

Michael Cohen is a financial advisor at OSAIC with 43 years of industry experience. He holds the ChFC® designation and Series 63 license and has worked at Royal Alliance Associates, Inc., Signator Investors, Inc., and NEL Equity Services Corporation. Cohen serves as a trustee for trusts of immediate family members and owns and operates MRC Financial Services and MRC Wealth Management Inc., which provide various insurance products. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisors and multiple advisory platforms. The firm offers integrated brokerage, investment advisory, financial planning, and managed account services, utilizing firm-provided asset allocation tools and third-party solutions.

Michael Ayerov is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, having worked at JPMorgan Chase Bank, N.A. since 2007. Outside of his advisory role, he serves as a board member on the fundraising committee for Chabad Lubavitch of Western Monmouth County, a nonprofit organization promoting Jewish life. J.P. Morgan Securities LLC 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 delivers these services alongside affiliated brokerage, distribution, and investment management capabilities through a non-discretionary program where clients retain final decision-making authority.