William Bertscha is a financial advisor with LPL Enterprise LLC, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. His prior roles include positions at LSEG, ICE, Oppenheimer & Co, Northwestern Mutual, Tullett Prebon Financial Services, and Tradition Securities and Derivatives. LPL Enterprise serves a diverse client base ranging from individuals and high-net-worth clients to retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model wealth portfolios and third-party asset management, combining advisory services with brokerage and insurance products on an integrated platform.

Frank Connelly is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining Wells Fargo Clearing in 2022, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2014 to 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Doran is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping clients develop personalized financial strategies to pursue their goals. His client focus areas include college education planning, family wealth management strategies, institutional investment consulting, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and tax minimization. John holds a Bachelor's Degree from Kings College and has earned several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach centers on uncovering what matters to clients and their families to create strategies tailored to their financial objectives. Outside of his professional work, John enjoys boating, fishing, spending time with his family, and watching movies.

Andrew Greenberg is a financial advisor with Cetera, holding a Series 66 designation and 11 years of industry experience. His career includes roles at Cetera Advisors LLC since 2022 and prior experience at First Allied Advisory Services, Inc. and First Allied Securities Inc. He is an independent contractor with LPA Strategic Capital. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a nationwide network of advisors. The firm offers various portfolio management and consulting services and operates a multi-manager platform that provides access to affiliated and third-party managers, accommodating a range of investment program structures.

Nicholas Caruso is a financial advisor with Charles Schwab, holding a Series 66 designation and 18 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2008. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset, model portfolio investment approach supported by extensive research and centralized operational infrastructure.

Wade Martin is a financial advisor with RBC Capital Markets in Princeton, NJ, holding a Series 63 designation and 38 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. Martin is also an owner and active partner in a family investment partnership. RBC Wealth Management serves a broad range of clients including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies, combining in-house and third-party managers, and provides discretionary and non-discretionary portfolio management alongside financial planning and brokerage services.

Vincent Cacciolo is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Bank of America, N.A. since 2021 and has been with Merrill since 2019. Prior to his career in financial services, he was employed at Battleground Country Club and the International Planning Alliance. Merrill provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

John Spatola is a financial advisor with OSAIC, holding a Series 66 credential and 19 years of industry experience. His prior roles include positions at Royal Alliance, Santander Securities, Raymond James Financial Services, and others. Outside of advising, he co-owns a temporary employment business and a printing company. OSAIC serves a broad client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm utilizes asset-allocation tools, risk tolerance assessments, and automated rebalancing to manage diversified portfolios, with services available on both discretionary and non-discretionary bases.

Robert Coon is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 29 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, Bank of America, Merrill, and Wachovia Bank. Outside of advising, he is also active as an artist and musician. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers advisory and brokerage services utilizing model portfolios, third-party asset management programs, and a range of financial products through its integrated platform.

Jeffrey Salton is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked with Bank of America since 2010 and Merrill Lynch since 2009. Outside of his advisory role, he is a general partner and managing member of a family-owned LLC used for tax and estate planning purposes. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Tracy Junquet is a financial advisor at Merrill with 24 years of industry experience and a Series 66 designation. She has been with Merrill since 1990. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Darren Armetta is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities and Jpmorgan Chase Bank since 2018, following six years at Bank of America and Merrill. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Christopher Kostecki is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. Outside of his advisory role, he co-owns Vintage Moments LLC, a china tableware rental business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations through a non-discretionary approach supported by an in-house manager solutions team.

Jean Magnier is a financial advisor with Merrill, holding a Series 66 designation and over 21 years of industry experience. He has been with Merrill since 2011 and Bank of America since 2012. From 2011 to 2017, he operated Jean Magnier Art Consulting. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Kiona Hall is a financial advisor at Merrill in Princeton, NJ, holding a Series 66 designation. She has 15 years of experience with Merrill and prior work history at Amazon, CVS, and DoorDash. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Keith Owitz is a financial advisor with Edward Jones in Holmdel, NJ, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2017 and also operates Owitz Consulting Services, LLC, which he founded in 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Joseph Campi is a Series 66 licensed financial advisor with five years of industry experience, currently affiliated with Cetera. His prior experience includes a role at King Financial Network and involvement with Tower Garden Setup Services. Campi serves as co-chair of the Emerging Leaders Committee and participates in the Health and Wellness and Golf Committees at the Monmouth-Ocean Development Council. 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 multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, supporting both discretionary and non-discretionary accounts.

Rituraj Shandilya is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He has worked at Wells Fargo Clearing since 2023 and was previously with Morgan Stanley Private Bank from 2015 to 2023. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is driven by investment policy statements and modern portfolio theory, incorporating a diverse range of financial products including insurance-related vehicles and bank deposit sweep options.

Joseph Palone is a Series 66-licensed advisor at Merrill with 11 years of industry experience. He has been with Merrill since 2014. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Brian Patterson is a financial advisor with Equitable Advisors, holding a Series 66 credential and 26 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1998. Outside of his advisory role, Patterson is involved as a coach with the Ocean Surge Travel Baseball Association and owns Ascendancy Insurance Solutions 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 operates a hybrid referral and implementation model, combining advisory and brokerage/insurance channels tailored to client goals and risk tolerance.