Christopher Armstrong is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Charles Schwab, Morgan Stanley, and National Asset Management before joining Cetera in 2022. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers diverse investment management and consulting services through a nationwide network of independent advisors, utilizing a multi-manager platform with a range of program options and supervisory structures.

Conor Egan is a financial advisor with Mass Mutual Investors Services and holds the CFP® and ChFC® designations. He has 19 years of industry experience, including over a decade with Massachusetts Mutual Life Insurance Company. He serves as a partner in Egan Lynch Financial Group, LLC, and is a director of the non-profit organization People's Pantry Inc. MassMutual 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 a range of planning and investment programs, including recently introduced standalone Divorce Planning services and event-driven planning for estates and employer-sponsored benefits.

Marianne Verpent is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. She has worked at Charles Schwab since 1986 and has been with Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base of 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 offers a combination of non-discretionary and discretionary investment guidance through multi-asset model portfolios and a structured process for alternative investments.

Richard Vergona is a financial advisor with Raymond James Financial in Shrewsbury, NJ, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He worked at Morgan Stanley Smith Barney for 19 years before joining Raymond James in 2019. Outside of his advisory role, he is an employee at The Cutrupi Group LLC, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Anthony Viskovic is a Series 66-licensed financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes, firm-approved tools, and investment modeling techniques.

Pamela Lipnicky is a financial advisor at Fidelity with 16 years of industry experience. She holds a Series 66 designation and has been with various Fidelity entities since 2009. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients. The firm uses proprietary fundamental research combined with quantitative analysis and algorithmic portfolio construction to manage diversified portfolios, including fund advisory and model portfolios.

John Buckley is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has been with UBS Financial Services since 2009. Outside of his advisory role, he teaches an "Investing for Beginners" adult education course through the Public Schools of Edison Township. 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. The firm employs proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Thomas Quinn is a financial advisor with Equitable Advisors, holding a Series 66 designation and eight years of industry experience. He has worked at Equitable Advisors since 2018, previously affiliated with Axa Advisors, LLC. Outside of financial advising, he owns and operates Expressive Image Photography, a business active since 1992. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of advisory programs and third-party asset managers, offering diversified investment options including mutual funds, ETFs, and alternative investments, with a focus on fiduciary services for qualified plans.

Alice Coraggio is a financial advisor at Cetera with 28 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Janney Montgomery Scott for 25 years before joining Cetera in 2026. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides access to both affiliated and unaffiliated third-party managers across multiple program structures.

Patrick Connelly is a financial advisor at Mass Mutual Investors Services with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Mass Mutual Investors Services since 2017, previously working at MetLife Securities from 2009 to 2017. Outside of his advisory role, he operates as an independent insurance agent specializing in disability, fixed annuities, life/accident/health, and long-term care insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, delivering collaborative, annual planning engagements that utilize firm-approved analytical tools.

David O'Neill is a financial advisor with LPL Enterprise, holding a Series 66 license and bringing 10 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, LLC, Equitable Advisors, and Axa Advisors, LLC. Outside of advisory work, he is involved in a family-owned commercial real estate management business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm’s investment approach relies on model portfolios developed by LPL’s Research Department and third-party strategists, with additional services such as financial planning, access to third-party asset managers, and affiliated insurance and trust services.

Tara Hoff is a Series 66-licensed financial advisor with five years of industry experience. She has worked at UBS Financial Services since 2021 and previously held roles at Merrill, Gilbane Building Company, and Rutgers Business School. Prior to her advisory career, she spent eight years in education across elementary, middle, and high school levels. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Gary Bitterly is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 44 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as an executor and trustee for investment-related estates and trusts. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers both direct individual plans and corporate financial planning agreements.

Jay Gilston is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His career includes roles at firms such as Mass Mutual, Ameriprise, and CUNA Brokerage Services. Outside of his advisory work, he is also involved in fixed insurance sales and life settlement services. Cetera Investment Advisers LLC is a nationwide advisory firm serving individual investors, retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management options and financial planning services through a multi-manager platform, supporting various program structures and custodial relationships.

Heather Meade is a financial advisor at UBS Financial Services with 31 years of industry experience. She has been with UBS since 2006 and holds Series 63 and Series 66 licenses. Outside of her advisory work, she serves on the board of Big Brothers Big Sisters of Monmouth & Middlesex Counties, where she supports mentorship programs and assists with fundraising efforts. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, using proprietary research and model-based asset allocations to tailor client plans. The firm combines institutional trading capabilities with wealth management, offering a broad range of services including financial planning, portfolio management, and capital markets solutions.

Jonathan Deliso is a financial advisor with Equitable Advisors, holding a Series 66 designation and over 23 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 2001. Equitable Advisors serves individual clients across wealth levels, as well as pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Thomas Turi is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. He leads the Turi Wealth Management Group since 2019 and has prior experience in hospitality and entrepreneurship, including a role at Asbury Hotel and operating a junk removal business. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, providing written recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advisory approach and delivers services through a centralized retirement-income consulting team.

Anthony Gencarelli is a Financial Advisor at Merrill Lynch Wealth Management. He works with clients to provide financial planning and investment management services. Details about his specific areas of expertise, years of experience, educational background, credentials, personal interests, or community involvement have not been provided.

Nicholas Mills is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and possessing 22 years of industry experience. He has been with Equitable Advisors since 2004, following a tenure at Axa Advisors, LLC. Outside of his advisory work, Mills serves as a board member of the Manasquan River Marlin and Tuna Club. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a network of Investment Adviser Representatives and third-party program sponsors to offer a range of advisory models and investment products.

Michael Donato is a Financial Advisor with Merrill Lynch Wealth Management in Red Bank, New Jersey. He works with individuals, families, and business owners to help them understand their financial lives and develop personalized strategies aligned with their goals. Michael focuses on building long-term relationships grounded in communication, accessibility, and trust, aiming to explain complex financial topics clearly so clients can make informed decisions with confidence. Before entering the financial services industry, Michael spent more than a decade in hospitality, including serving as an executive chef and helping open restaurants throughout Monmouth County. He also spent a year living and working in Italy, which shaped the discipline, attention to detail, and commitment to service he brings to his advisory role. Michael earned a degree in Corporate Finance from Rutgers University and holds Series 7 and Series 66 registrations, Life and Health Insurance licenses, and the Personal Investment Advisor (PIA) designation. He remains committed to his professional development while leveraging the resources available through Merrill and Bank of America. A lifelong Monmouth County resident, Michael is passionate about staying connected to his community and supporting local organizations and charitable initiatives. Outside of work, he enjoys golf, tennis, hiking, snowboarding, and spending time along the Jersey Shore with family and friends.