Joseph Rosen is a financial advisor with Merrill in Red Bank, NJ. He holds a Series 66 designation and has one year of industry experience. His prior work experience includes roles at Bank of America, Lululemon, Seamless Contacts, Warby Parker, and M&T Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Zachary Passman is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with LPL Financial since 2009. Outside of financial advising, he writes, plays, records, and produces music on a freelance basis, including composing jingles for businesses. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing model portfolios, third-party subadvisors, and LPL Research.

Catherine Mannes is a financial advisor with Morgan Stanley, holding a Series 66 designation and having 12 years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Meenu Sharma is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Bank, Santander Bank, and HD Vest Investment Services. Prior to her financial services career, she was employed in academic roles at several community colleges and universities. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions and manages approximately $671 billion in assets.

David Gilmour is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and 13 years of industry experience. He has been affiliated with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2012. Outside of Morgan Stanley, he is a partner at Gilmour Capital LLC, a healthcare-related business. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets. The firm’s approach involves structured planning conversations and advanced modeling tools, supporting clients in implementing and updating their financial plans.

Saverio Sestito is a financial advisor at LPL Enterprise with two years of industry experience. He holds the Series 66 designation and has worked at firms including The Prudential Insurance Company of America and Ernst & Young. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, model portfolio programs, third-party asset management, and access to brokerage and insurance products through an integrated platform.

Ralph Rosenbaum is a financial advisor with Cetera, holding the PFS™ credential and Series 63 and Series 65 licenses, and has 28 years of industry experience. He has worked primarily with Avantax entities since 1997 and operates his own CPA practice specializing in tax preparation and accounting. Outside of advisory work, he is involved in a food truck business as an investor. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management options, model portfolios, third-party manager selections, and various program structures across multiple custodians.

Richard Shaughnessy is a Series 66-licensed financial advisor with 18 years of industry experience. He has worked at LPL Financial since 2019 and previously spent five years at Ameriprise Financial Services, Inc. His outside activities include business-related roles connected to LPL operations and a limited involvement in non-variable insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management, incorporating research-supported model portfolios and multiple investment strategies.

Charles Hayes is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at various Morgan Stanley entities since 2008. Hayes serves on the finance committee of the Church of the Nativity in Fair Haven, New Jersey. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using firm-approved tools and offers a broad range of retail and institutional investment services.

Douglas Lauricella is a financial advisor with UBS Financial Services and holds a Series 66 designation. He has three years of industry experience and has also held positions at Cornell University, St. John Vianney High School, and Ranney School. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings through a network of Financial Advisors.

Donato Devito is a financial advisor with LPL Enterprise in Holmdel, NJ, holding Series 65 and Series 63 licenses and bringing 27 years of industry experience. He worked at BNP Paribas Securities Corp. for 18 years before joining LPL Enterprise in 2025. LPL Enterprise serves a diverse client base, including individuals, high-net-worth clients, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to various investment and insurance products through an integrated platform.

Matthew Broad is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 66, Series 63, and Series 65 designations. His prior experience includes roles at Equitable Advisors, AXA-Advisors, and Equitable. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction. The firm’s approach includes managing model portfolios across mutual funds, ETFs, and ETPs, with a focus on systematic methodologies and long-term asset allocation.

Robert Clayton Jr. is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include positions at TFS Securities, Inc., The Investment Center Inc., and IC Advisory Services Inc. He serves as a board member of the Carmine Brady Foundation, a nonprofit charitable organization. Mass Mutual Investors Services is an SEC-registered broker-dealer and investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual planning engagements supported by firm-approved analytical tools and offers additional planning services such as divorce and estate-settlement planning.

Mateo Perez is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. His prior work includes roles at Morey Organization and MassMutual Life Insurance Company. Outside of finance, he has experience working in a café and youth soccer camp settings. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and a variety of programs including estate and employer-sponsored planning.

Caroline Steiger is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. She has been with UBS since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through proprietary research and a broad array of capital markets services.

Daniel Merker is a CFP® and PFS™ credentialed financial advisor with 14 years of industry experience. He is currently affiliated with Cetera, having joined the firm in 2025, and previously spent significant time at Avantax in various advisory and insurance roles. Outside of his advisory work, he assists with tax preparation and accounting through his involvement with Brendon Pierson, Inc. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, with access to various program structures and third-party money managers.

David Caruso is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliates since 2009. Outside of his advisory work, he serves as a board member and finance committee member for the Marco Island Art League in Florida. 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 and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Secular Return Estimates and Monte Carlo simulations.

Pasquale Rinaudo is a financial professional with 25 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Mid Atlantic Resource Group, Minnesota Life Insurance Co, and Securian Financial Services. Outside of his advisory role, he works as an independent contractor accountant and is involved as a salesperson with Ana's Floral Garden's Inc. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or build customized strategies.

Gracia Simms is a financial advisor at Primerica Advisors with Series 65 and Series 63 licenses and six years of industry experience. She has worked at Pfs Investments Inc since 2020 and Primerica Financial Services since 2019. Additionally, she has been affiliated with Newark Beth Israel Medical Center since 2004. Primerica Advisors sponsors and manages 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 clients. The firm operates at scale with thousands of advisors and offices and employs model-delivery strategies created by unaffiliated asset managers, supported by discretionary separately managed account options and overlay management.

Robert McNeill Jr. is a financial advisor with Equitable Advisors in Wall, NJ, holding a Series 66 designation and 15 years of industry experience. He has worked at Equitable Advisors since 2010 and previously was associated with Axa Advisors. Outside of advisory work, he is involved in healthcare insurance through Medicare and disability and long-term care insurance programs in collaboration with Coldwell Banker employees. 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 execute client recommendations.