Thomas Ley is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked within various Wells Fargo entities since 2012. Outside of his advisory role, he is a co-trustee of the UW Frances M Ley Testamentary Trust and holds a 90% ownership stake in Manage Money Ley GP, LLC, a merchant partnership. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients’ needs, utilizing proprietary research and tools, with optional implementation through brokerage or advisory programs.

Kevin Holt is a financial advisor with Morgan Stanley who holds Series 63 and Series 66 licenses and has 23 years of industry experience. He previously worked at Bank of America and Merrill before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning that utilizes structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Danielle Magrini is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2007. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Maureen Mcgreevy is a financial advisor with LPL Financial in Freehold, NJ, holding Series 63 and Series 65 licenses and eight years of industry experience. Her prior roles include positions at CUNA Mutual Group, CUNA Brokerage Services, Inc., and United Teltech Financial Federal Credit Union. She is also involved with the Ridgedale Wealth Team, an affiliated LPL business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs supported by research and model portfolios, combining discretionary and non-discretionary management approaches.

Peter Piccinini is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Stifel for 10 years before joining LPL Financial in 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Thomas Cummings is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. He has been associated with Cetera and its affiliated entities since 2015 and also operates Cummings Wealth Management, LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with a variety of program options.

Michael Hirsch is a financial advisor with LPL Enterprise in Manasquan, NJ, holding Series 63 and Series 65 credentials and over 20 years of industry experience. He has worked with Vincent Hirsch Financial Services since 2011 and Prudential Insurance Company of America since 2006. Hirsch serves as a commissioner on the Monmouth County Tax Board. LPL Enterprise serves a diverse client base including individuals, retirement plans, and institutional clients, offering financial planning, model wealth portfolios, third-party asset management, and access to brokerage and insurance products through its integrated advisory and brokerage platform.

Logan Murphy is a financial advisor with Raymond James Financial in Jackson, NJ, holding a Series 66 designation and one year of industry experience. His prior roles include positions at OSAIC Wealth, Inc. and Northwestern Mutual. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers non-discretionary planning tailored to client goals using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Ian Ruderman is a financial advisor at MassMutual Investors Services with 38 years of industry experience. He holds Series 63 and Series 65 designations and has worked at MassMutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. Outside of finance, he is involved in the spirits industry as a partner in the Freehold Distilling Company and owns Whisky Guild, a company focused on whisky events and reviews. Ruderman also serves as president of a college alumni board. 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 provides financial planning, asset management, and educational seminars, emphasizing collaborative annual relationships and utilizing firm-approved analytical tools for goal-based recommendations.

Erick Simonds is a financial advisor at LPL Financial with 23 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, with a combined tenure of 15 years. His credentials include Series 63 and Series 66 registrations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, including model portfolios and retirement plan consulting, supported by research from LPL and third-party subadvisors.

Debra Fournier is a CFP®-designated financial advisor with LPL Financial and over 30 years of industry experience. She has been with LPL Financial since 2008 and also leads Seaview Wealth Management, LLC. Fournier serves on the boards of the Association of Divorce Financial Planners and the Institute for Divorce Financial Analysts, and she is the owner of Fiscal Fitness for Women. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and portfolio strategies from LPL Research and third-party subadvisors.

Joseph Bonacci is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS Financial Services from 2009 to 2023 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2023. 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, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Steven Kochenour is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Joe Loiodice is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Bernstein Institutional Services LLC, AllianceBernstein Investments, Inc., Alliance Bernstein L.P., and Four Springs Capital LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader set of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Nicole Andres is a Private Wealth Manager with Merrill Private Wealth Management, where she leads a team of 12 professionals across New York City, Pennsylvania, and California. In her role, Nicole works closely with individuals and families to navigate complex financial decisions, providing highly customized portfolio strategies that reflect clients' unique goals, risk tolerance, time horizons, and income needs. She and her team serve as trusted advisors, assisting with a range of financial matters including education planning, family wealth management, philanthropic planning, and tax minimization. Prior to joining Merrill, Nicole was a Director at Credit Suisse Private Bank for 15 years and previously worked in the Private Client Services division at Donaldson Lufkin & Jenrette. She began her career in 1990 in the equity research division at First Manhattan Company. Nicole earned a Bachelor's Degree from Vassar College and holds the Personal Investment Advisor (PIA) designation. She has been recognized by Barron's magazine as one of the Top 100 Women Financial Advisors from 2007 to 2015 and by Forbes as a Top Women Best-in-State Wealth Advisor from 2022 through 2026. Nicole is involved in the University of Dayton Parent Leadership Council and resides in Chatham, New Jersey with her family. In her free time, she enjoys cooking, running, spending time with her family, and traveling.

Perry Weyser is a CFP®-certified financial advisor with 27 years of industry experience, currently practicing at Cetera. He previously spent significant time at Avantax Investment Services, Inc., and Avantax Insurance Agency, LLC. Outside of advising, he is a partner at Goode & Weyser, CPA, LLC, where he prepares individual and business tax returns, and serves as a referral partner for Merchant Advocate, helping small business clients review credit card processing expenses. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that incorporates affiliated and third-party managers across multiple program structures.

Harry Appel is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His career includes roles at United Planners' Financial Services and Parkwood Associates, where he also serves as owner and pension consultant. Cambridge Investment Research Advisors serves a broad client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides a range of investment strategies, including proprietary models and access to unaffiliated strategists, with both discretionary and non-discretionary options tailored to client objectives.

Timothy Korwin is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. He has 10 years of industry experience, including prior roles at Merrill, Bank of America, and MetLife Securities. He also works as an insurance broker in health insurance sales. MassMutual Investors Services operates as a broker-dealer and registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved tools and collaborative annual planning relationships.

John Kriarakis is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, NA since 2009. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Evette Johnson is a financial advisor at Equitable Advisors with a Series 66 designation and four years of industry experience. She has been with Equitable Advisors since 2022 and also has a longstanding role at Sunbeam Preschool. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through a variety of third-party asset managers and LPL programs. The firm employs a hybrid referral and implementation model that combines advisory and brokerage services tailored to client goals and risk tolerance.