Wendy Murphy is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, and at Morgan Stanley Smith Barney since 2009. Prior to Morgan Stanley, she was with Citigroup Global Markets from 2005 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and specialized planning groups.

Christopher Cirri III is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at Benjamin Felicelli, Prudential Insurance Company of America, Prudential Investment Management Services, PGIM Investments, Bank of America, and Merrill. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and relies on both in-house and third-party advisory models, offering a range of investment products and ERISA fiduciary services.

Benjamin Felicelli is a financial advisor at Equitable Advisors with 27 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Morgan Stanley and Citigroup Global Markets. Outside of his advisory work, he serves as Director of Soccer Operations for the Jackson Soccer Club. Equitable Advisors serves individual and institutional clients with financial planning, retirement plan consulting, and asset-management programs delivered through a network of investment representatives. The firm utilizes third-party sponsors and advisory models, offering a range of investment options including mutual funds, ETFs, separately managed accounts, and select alternatives.

Gregory Bertagna is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 35 years of industry experience. He previously worked at Voya Financial Advisors and operated Bertagna & Associates for nearly three decades. His other activities include managing a non-variable insurance business under Dominion Financial Group, Ltd. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive technology and a large network of over 22,800 advisors.

Murat Sensoy is a financial advisor with Cetera holding the CFA® designation and Series 63 license. He has recent experience at Cetera Wealth Services and other financial firms, including Franklin Templeton Investments. Sensoy is also an associate instructor for an online education firm, teaching a commercial real estate and investment certificate program. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Michael Altschuler is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory work, he serves as a caregiver to his daughter through his involvement with Caring With Compassion in Red Bank, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services that include retirement, education, and special-needs analysis, using Wells Fargo research and planning tools to develop tailored recommendations for clients.

Chaim Weinreb is a financial advisor with LPL Financial in Lakewood, NJ, holding a Series 66 designation and eight years of industry experience. Prior to joining LPL Financial in 2021, he worked at Able Wealth Management LLC and several other firms. 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 and brokerage services including financial planning, model portfolio programs, and institutional platforms, with investment strategies supported by both proprietary and third-party research.

John Grande Jr. is a CFP® professional with 44 years of experience in the financial services industry. He is currently with Raymond James Financial Services Advisors, Inc., where he has worked since 2019, following prior roles at Cetera Advisor Networks LLC, Summit Financial Group Inc., Wells Fargo Advisors, and his own firm, Grande Financial Services, Inc. He maintains a support role with Grande Financial Services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports both advisory programs and institutional portfolio management, with additional municipal and public finance advisory services.

John Lupi Jr. is a financial advisor with Equitable Advisors in Colts Neck, NJ, holding Series 63 and Series 65 designations and 40 years of industry experience. His career includes roles at Stifel Independent Advisors, Ameriprise Financial Services, Wells Fargo Advisors, and UBS Financial Services. Outside of his advisory work, he is a Managing Director at Client First Financial, LLC. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through various advisory programs and third-party managers.

Terrence Carey is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 39 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Outside of his advisory roles, he has ownership interest in a residential real estate business. Mass Mutual 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 software to deliver written recommendations in collaborative, ongoing client relationships.

Bryan Pollack is a financial advisor at Morgan Stanley with seven years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Outside of finance, he is involved part-time in sales roles at The Green Bubble Spray Foam and Enterprise Electric. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery conversations and utilizes firm-approved tools to model outcomes, serving clients primarily in an advisory capacity.

Gregg Pellecchia is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Equitable Advisors since 1999 and was previously with Axa Advisors, LLC. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and third-party program sponsors to deliver tailored advisory solutions without sponsoring its own wrap fee program.

Candice Hammond serves as a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. She has been with Merrill since 1981, bringing over 40 years of experience to her role. Candice leads a team of tenured Merrill employees, with a focus on addressing the individual needs of each client and collaborating to help achieve their financial goals. Her expertise encompasses wealth management guidance, asset allocation, and financial planning strategies across a broad range of areas including education planning, family wealth management strategies, legacy planning, personal retirement planning, and retirement income. Candice emphasizes a comprehensive approach that begins with understanding each client's priorities to tailor investment and wealth strategies accordingly. Candice holds a Bachelor's Degree from Rosemont College and the Personal Investment Advisor (PIA) designation. She resides in Sea Girt with her husband and two children. Outside of work, she enjoys boating, reading, and spending time with her family.

Matthew Appel is a financial advisor with Equitable Advisors in Wall, NJ, holding a Series 66 credential and 22 years of industry experience. His career includes roles at Axa Advisors, Guardian Life, and International Planning Alliance. He is a member of the Monmouth-Ocean Development Council. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs through a network of Investment Adviser Representatives and third-party managers.

Michael Mulhaul is a financial advisor at Stifel with 43 years of industry experience. He holds Series 63 and Series 66 designations and has been with Stifel since 2007. Outside of his advisory role, Mulhaul serves on the board of the Kiwanis New Jersey District Foundation and holds leadership positions with Kiwanis International, including Vice President and President, where he is involved in promoting membership and children's service initiatives. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses designed to inform client decisions.

Lawrence Cagliostro is a Senior Financial Advisor and First Vice President of Wealth Management at Merrill Lynch in the Toms River, New Jersey branch. He focuses on family wealth management strategies, philanthropic planning, and portfolio management services. Drawing on extensive experience from his previous role at Morgan Stanley in Toms River, Lawrence develops close relationships with clients often spanning multiple generations and addresses concerns including early retirement, job transitions, retirement account needs, concentrated stock positions, and comprehensive retirement planning strategies. Lawrence holds a Bachelor's Degree from Rider University and a Master's Degree from Georgian Court University. He has earned the Professional Investment Advisor (PIA) designation, reflecting his commitment to professional development and client service. Beyond his advisory role, Lawrence participates in community service as a board member of the Salvation Army. His approach emphasizes creating personalized financial strategies tailored to each client's long-term goals, supported by the investment insights of Merrill and the resources of Bank of America.

Daniel Chen is a financial advisor at Cetera with 38 years of industry experience. He holds a Series 63 designation and has worked with Cetera Advisors LLC since 2013. Outside of his advisory role, Chen is involved with a nonprofit organization called American Civic Technologies and owns DC Strategies, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement model portfolios, third-party manager selections, or bespoke strategies across various program structures and custodial relationships.

Guy Savino Jr. is a financial advisor at Morgan Stanley with 54 years of industry experience. He holds a Series 63 designation and has worked at firms including Wells Fargo Clearing, A. G. Edwards & Sons, Inc., and Citigroup Global Markets. Savino has been with Morgan Stanley and its Private Bank since 2016. 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 a structured discovery process.

Richard Donovan is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 credentials and 43 years of industry experience. He has been with various Morgan Stanley entities since 2009, including Morgan Stanley Private Bank, N.A. since 2022. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Santoso Lessiohadi is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and having six years of industry experience. He has worked with Primerica Financial Services since 2006 and was employed at Yusen Logistics Americas Inc. for 13 years. Lessiohadi is also involved in consulting for an international logistics firm and engages in part-time sales of home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services primarily through model-based strategies managed by unaffiliated asset managers and supports trade execution and custody via BNY Mellon Advisors and Pershing.