Jimmy Leong is a financial advisor with Cambridge Investment Research Advisors in Freehold, NJ, holding the ChFC® designation and Series 63 and 65 licenses, with 34 years of industry experience. His prior work includes roles at J.P. Morgan Securities and Equitable Advisors. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations by providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of portfolio management options and employs both proprietary and third-party investment strategies tailored to client objectives.

Kristine Ens is a financial advisor at Ameriprise with 14 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill for seven years before joining Ameriprise in 2023. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides written Recommendation Reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Edward Allegra is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2023 and Morgan Stanley Smith Barney LLC since 2022. Prior to joining Morgan Stanley, he was involved with BioLum Sciences LLC for five years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Fatin Alkhaleel is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 19 years of industry experience. Their career includes ten years at Wells Fargo Clearing, seven years at Wells Fargo Advisors LLC, and over two decades at Wachovia Bank, N.A. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Michael Boulos is a Wealth Management Advisor at Merrill Lynch Wealth Management and The Fields Boulos Group, a role he has held since joining in the fall of 2020. In this capacity, he focuses on deepening client relationships and providing detailed wealth planning. Michael constructs personalized financial strategies aimed at achieving his clients' financial goals and regularly reevaluates their current situations to provide updated advice. He holds a Bachelor's Degree from Villanova University, earned in 2017, where he served as philanthropy chair of the Sigma Chi Fraternity. Michael also obtained his Juris Doctorate from New York Law School in 2020 and was admitted to the New York Bar Association in 2021. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael is involved with professional and community organizations such as LunchBreak and the Beauty Foundation of New Jersey. In his free time, he enjoys playing golf and tennis, collecting sports cards, working out, and spending time with family and friends at the beach.

Francis Bitterly is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Bitterly is also the author of a book titled *Spiritual Wisdom from the Heart of Wall Street* and serves as a trustee for New Hope IBHC, a hospital and rehabilitation organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate Monte Carlo simulations and Secular Return Estimates.

Victoria Tomaro is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. Her prior experience includes roles at LPL Financial, The Investment Center Inc, Ic Advisory Services Inc, and TFS Securities, Inc. She also operates a financial business under the name Tomaro Financial Group. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals using a variety of portfolio management and model-based solutions tailored to client objectives.

Richard Gunderud is a Financial Consultant currently working at Fidelity Investments since 2025. He partners with clients to pursue financial success through comprehensive financial planning and guidance, focusing on understanding clients' goals and needs to co-create customized financial plans tailored to their unique financial situations. His approach aims to provide financial peace of mind and assist clients in making effective financial decisions. Prior to his current role, Richard served as an Investment Consultant at Fidelity Investments from 2023 to 2025. He has held several positions in the financial services industry, including Financial Consultant at E*TRADE From Morgan Stanley (2020-2023), Managing Director at C&A Financial Group (2019-2020), Manager of Financial Services at Prudential Financial (2018-2019), and Vice President at MassMutual Financial (2015-2017). Outside of his professional work, Richard's personal interests include family activities, fitness, movies, parenthood, and pets.

Steven Dietz is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 46 years of industry experience. He has worked at Cetera Advisors LLC since 2022 and previously spent eight years at National Securities Corp. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to third-party money managers via multiple program structures.

Robert Cutrupi is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He worked at Morgan Stanley from 1983 to 2019 before joining Raymond James in 2019. Outside of his advisory role, he is the owner of The Cutrupi Group, LLC, a support company through which he offers financial services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing advisory and implementation support rather than delegated management.

Michael Phillips is a CFP® professional with 49 years of experience advising clients. He has been associated with OSAIC for 36 years and operates Phillips Financial Services, Inc., which he founded in 1994. In addition to his advisory work, he serves as a volunteer commission member focused on the well-being of Lake Topanemus in Freehold, NJ, and is a licensed notary public in the state. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers a range of investment and financial planning services utilizing advanced asset-allocation tools and access to third-party money managers.

Amy Coleman is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis.

Catherine Dimon is a financial advisor with Morgan Stanley who holds a Series 66 credential and has 13 years of industry experience. She has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Robert Gleason is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1996 and joined Merrill Lynch in 2012. His practice is focused on serving affluent families, Wall Street professionals, physicians, business owners, entrepreneurs, and retirees. He specializes in developing customized investment strategies, credit and lending solutions, tax mitigation, and asset preservation to help clients achieve their financial objectives. With over 25 years of experience, Robert holds several professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR™ (CPFA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor’s degree in Economics from Rutgers University. As a Senior Portfolio Advisor, he manages discretionary investment portfolios using a range of Merrill model portfolios and third-party strategies, offering access to equities, fixed income, alternative investments, options, ETFs, and customized lending solutions. Robert resides in Middletown, New Jersey, with his wife and daughter. He is involved with St. Leo the Great Church and supports charitable organizations focused on children’s welfare. Personal interests include basketball, biking, gardening, golfing, reading, traveling, and spending time with family.

Alyson Mandato is a Series 66–licensed financial advisor with Cetera, bringing five years of industry experience. She is currently affiliated with Cetera Wealth Services, LLC and King Financial Network, where she serves as a Wealth Management Associate. Mandato also has an ongoing association with the University of South Carolina since 2010. Cetera Investment Advisers LLC is an SEC-registered adviser offering services through a nationwide network of independent advisors to individual and institutional clients. The firm provides a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Colin Wingate is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. His prior work includes roles at Prudential Financial and teaching positions at Widener University and St. Augustine Preparatory School. He also has experience outside finance working at Airborne Systems and in the hospitality industry. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to a range of investment and insurance products through an integrated platform.

William Ward is a financial advisor with Ameriprise in Shrewsbury, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he is involved in a business partnership managing office space leasing with other advisors. Ameriprise is a large institutional firm offering a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations and manages a broad range of advisory, brokerage, and insurance solutions.

James Malmstrom is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 45 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, with a combined tenure of 13 years before joining LPL Financial in 2022. 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, utilizing discretionary and non-discretionary management alongside research from internal and third-party sources.

Lawrence Karpf is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 30 years of industry experience. Prior to joining LPL Financial in 2024, he worked at Wells Fargo Clearing from 2016 to 2024 and Wells Fargo Advisors LLC from 2009 to 2016. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Patrick Heeb is a Financial Consultant currently working with Fidelity Investments since 2020. He has experience in financial consulting and has held roles including Financial Consultant at PNC Investments and Regional Vice President positions in annuity and mutual fund wholesaling with Pacific Life Insurance and Guardian Life Insurance. Throughout his career, Patrick has developed expertise in financial consulting, annuities, and mutual funds. He emphasizes understanding each client's personal and financial history to tailor financial planning that aligns with their definition of financial success. Outside of his professional work, Patrick has interests in fitness, parenthood, and puzzles.