Joe Doles is a Financial Consultant at Fidelity Investments, where he works with clients and their families to develop personalized investment strategies. He leverages Fidelity's resources, technology, and specialists to support his clients in achieving their financial goals. With over 26 years of experience in financial services, Joe has held roles including Mutual Fund and ETF Wholesaler at BlackRock & iShares from 2015 to 2022, Mutual Fund Wholesaler at Lord, Abbett & Company from 2002 to 2015, and Customer Support Manager at Datek Online, now TD Ameritrade, from 1999 to 2002. Outside of his professional work, Joe enjoys boating, family activities, golf, skiing, and traveling.

Christopher Venuto is a financial advisor with LPL Financial in Holmdel, NJ, holding Series 63 and Series 65 licenses and having 18 years of industry experience. His prior roles include positions at Private Portfolio Partners LLC and New England Securities. Venuto is also a partner in Archway Advisor Services LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its advisors with research and operational tools.

Justin Rhine is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His career includes roles at Merrill, Bank of America, TD Ameritrade, and Charles Schwab. Charles Schwab & Co., Inc. serves 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 both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and comprehensive due diligence on alternative investments.

Leonard Ludovico is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Cuso Financial Services, Sorrento Pacific Financial, and PNC Wealth Management. 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, third-party asset management, and institutional platforms.

Jeffrey Cattanach is a financial advisor at Cetera with six years of industry experience. He holds a Series 65 credential and has previously worked with Avantax Advisory Services and Fides Financial, among other firms. In addition to his advisory role, he owns and operates a separate entity providing tax preparation, consulting, and corporate tax services. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 multi-manager platform that allows advisors to implement affiliated and third-party model portfolios, as well as bespoke strategies.

Lawrence Hess is a financial advisor at Ameriprise with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Ameriprise since 2013, with prior experience at Merrill and Bank of America. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Francis Lucash is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 19 years of industry experience. He has worked at Wells Fargo since 2016 and has been with Wachovia Bank since 1999. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Regina Sherman is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 21 years of industry experience. Her career includes long-term roles at PFS Investments Inc. and Primerica Financial Services since 2004, as well as experience with IMC from 1999 to 2022. Outside of financial advising, she is involved with Fox Hollow Vineyards and RTC Distributions. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and provides advisory services through a network of approximately 3,700 advisors.

Eric Sweeney is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo in various capacities since 2009. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

David Wyss is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Morgan Stanley. He previously worked at UBS for 19 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to both individual and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Kevin Lynch is a Series 66-licensed financial advisor with Mass Mutual Investors Services in Wall, NJ, where he has worked for 10 years. He has 24 years of industry experience and previously held positions at Massachusetts Mutual Life Insurance Company. Outside of his advisory role, Lynch serves as an 8th-grade boys basketball coach at HW Mountz Elementary School and is a board member of the South Monmouth Regional Sewage Authority. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements that utilize firm-approved analytical tools and educational seminars.

Douglas Brown is a CFP® with 20 years of experience in the financial services industry. He is currently with OSAIC and previously spent 19 years at Lincoln Financial Advisors Corp. In addition to his advisory role, he offers various types of insurance products, including accident and health, disability, fixed annuities, long-term care, and traditional life insurance. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, providing both brokerage and advisory services. The firm employs a model-based investment approach with tools for portfolio optimization, offering discretionary and advisor-managed strategies across multiple custodian platforms.

Joseph Segreto is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Ameriprise and David Lerner Associates. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics from Wells Fargo Investment Institute and third-party sources, applying diversification principles and modern portfolio theory in its investment evaluations.

Erik Gaines is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He previously worked at Metlife Securities, Inc. for 14 years and has been with MassMutual Life Insurance Company since 2016. Outside of his advisory role, Gaines is a partner in a distillery and involved in marketing and community sports initiatives, including supporting nonprofit organizations through a local basketball franchise. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, and charitable organizations. The firm emphasizes collaborative, annual planning engagements using firm-approved analytical tools to develop tailored recommendations.

Matthew Purrazzella is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo since 2016, following a prior role at Merrill from 2007 to 2009. 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 a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Ricardo Carrion is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His career includes roles at Bank of America, Merrill Lynch, and a private firm, Dan Carrion LLC. 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 supported by Wells Fargo Investment Institute research and diversified investment strategies.

John Tirrell is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 credentials and with 35 years of industry experience. His work history includes roles at Wells Fargo Clearing and Citigroup Global Markets. He is a trustee for a family trust and co-owner of Tirrell GP, LLC, a merchant partnership. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Marietta Amato Demeo is a financial professional at Cetera with three years of industry experience. She holds Series 63 and Series 66 licenses and has worked with several affiliated firms including Cetera Wealth Services and MargFinancial. Outside of her advisory work, she is employed in the food and beverage service industry at Kubels Barnegat Light. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

John Woodle III is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Edward Jones since 2008. He holds the Series 66 designation and is based in Oakhurst, NJ. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients. The firm manages over $1 trillion in assets through a nationwide network of financial advisors and offers a range of discretionary and non-discretionary investment strategies, affiliated mutual funds, and tax-efficient services.

Christine Mania is a financial advisor at UBS Financial Services with 30 years of industry experience. She previously worked at Morgan Stanley for 16 years before joining UBS in 2025. Mania holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of services such as custody, underwriting, and proprietary research to tailor investment strategies.