Christopher Parmer is a financial advisor with Morgan Stanley, holding a Series 66 designation and over 23 years of industry experience. He has been with Morgan Stanley since 2013 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Matthew Cali is a Wealth Management Advisor with Merrill Lynch Wealth Management, joining the firm in 2006. He provides advisory services focused on income generation, capital preservation, conservative to moderate investment strategies, wealth transfer, and proactive financial guidance aimed at improving clients' financial situations. His expertise includes corporate benefits, family wealth management strategies, legacy planning, personal retirement planning, philanthropic and socially responsible investing, tax minimization, and retirement income planning. Matthew earned a Bachelor of Science degree from Richard Stockton College of New Jersey in 2004. He holds the CERTIFIED FINANCIAL PLANNER® certification, Personal Investment Advisor (PIA) designation, as well as Series 7 and 66 registrations through FINRA. Additionally, he maintains New Jersey licenses for life, health, and long-term care insurance. He is a member of the Estate and Financial Planning Council of Central New Jersey. Born and raised at the Jersey Shore, Matthew currently resides in Oakhurst with his wife, Juliana. He is actively involved in the community through organizations such as Big Brothers/Big Sisters of Monmouth, POAC, and Sea of Change. His personal interests include hiking, music, surfing, traveling, yoga, and spending time with family.

James Hoffman is a financial advisor with Cetera, holding Series 63, 65, and 66 registrations and 30 years of industry experience. His prior work includes roles at National Asset Management and National Securities Corporation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party and affiliated investment strategies.

William Baxter is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions.

Margarita Mayor is a financial advisor at Equitable Advisors with 21 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Equitable Advisors since 2016, following a tenure at AXA Advisors, LLC. Outside of advisory work, she serves as Co-President of The Woman's Club of Asbury Park, where she organizes fundraising events and sets meeting agendas. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a variety of investment programs and third-party managers to tailor solutions based on client risk tolerance and financial goals.

Julia Sternik is a Financial Consultant at Fidelity Investments, where she provides clients with planning and guidance to support their long-term and short-term financial goals. She has been with Fidelity since 2022, progressing through roles including Relationship Manager and Planning Consultant before assuming her current position in 2025. Prior to joining Fidelity, Julia worked as a Platform Consultant at Clark Capital Management Group from 2020 to 2022. Her professional experience encompasses client relationship management and financial planning, enabling her to assist clients in working towards financial success. Outside of her professional responsibilities, Julia enjoys activities such as spending time at the beach, cooking and baking, engaging in family activities, fitness, and traveling.

Giovanni Santillo is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds a Series 63 designation and previously worked at Citigroup Global Markets for 13 years before joining Wells Fargo in 2020. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets through over 14,000 financial advisors, offering both brokerage and advisory solutions.

Brett Pandelo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 20 years of industry experience. He previously worked at Morgan Stanley for 15 years before joining Wells Fargo Clearing in 2024. Outside of his advisory role, he owns BAP Capital LLC, a limited liability company established to hold real estate. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics grounded in diversification principles and modern portfolio theory.

Paul Favours II is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 licenses and 32 years of industry experience. His prior roles include positions at Merrill, Banc of America Investment Services, Inc., and Quick & Reilly, Inc. Outside of his advisory work, he owns and manages an investment-related 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, leveraging research and analytics to support diversified investment solutions.

Sean Allen is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 65 and Series 66 licenses and has previously worked at UBS Financial Services, Fidelity Brokerage Services, Bank of America, Merrill Lynch, Ernst & Young Investment Advisers, and SEI Investments Management. Outside of finance, he has experience working with Lyft, Uber, and youth soccer organizations. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by in-depth research and analytics.

Darrion Carrington is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked primarily at Morgan Stanley and its Private Bank since 2021. Outside of his advisory role, he is involved as an employee in a labor and service organization related to the NJSIAA IAABO SHORE 194 in Ocean, New Jersey. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers planning services that emphasize structured discovery and outcome modeling without providing individual security recommendations as part of standalone plans.

John Turi is a financial advisor with Ameriprise, holding the ChFC® designation and Series 63 and 65 licenses, and has 34 years of industry experience. He has been with Ameriprise Financial Service, LLC since 1992 and previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside his advisory work, he is CEO of JT & Associates, LLC, a financial advisory firm. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that provides written recommendation reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice, primarily for clients with significant investable assets.

Priscilla Baldari is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has spent the last 20 years working within Bank of America Merrill. In her role, she connects all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most to them. Priscilla focuses on delivering comprehensive wealth management and personalized strategies that address today's changing market conditions. Her areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Priscilla holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation as well as the Personal Investment Advisor (PIA) credential. She earned her bachelor's degree from the University of California system. Outside of her professional work, Priscilla enjoys cooking, hiking, music, spending time with her family, and traveling. Her approach emphasizes working one-on-one with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals.

Darren Odom is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing six years of industry experience. He has served in the U.S. Army and holds a role with Combat Connect since 2021. Outside his advisory work, he owns Darren E. Odom, LLC, a non-investment-related legal entity. Primerica Advisors offers a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm employs model-based investment strategies managed by third-party asset managers and supports trade execution and custody through national custodians.

Michael Bergin is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and possessing 40 years of industry experience. He has worked with Cetera and its affiliates since 2022 and previously held roles at National Asset Management and National Securities Corp. Outside of advising, he is the owner of a digital self-publishing business and the sole managing member of Havana Dublin Capital, LLC, which is involved in expense management. Cetera Investment Advisers LLC serves individual and institutional clients nationwide through a multi-manager platform that offers a range of portfolio management and retirement services. The firm supports various investment strategies, including model portfolios, third-party managers, and bespoke approaches, overseeing more than $256 billion in assets with over 10,000 advisors.

Bert Hor is a financial advisor with Ameriprise in Voorhees, NJ, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-assisted advice primarily for clients with substantial assets managed within Ameriprise.

Bruce Kennedy is a financial advisor with Raymond James & Associates in Tinton Falls, NJ, holding Series 63 and Series 65 licenses and 18 years of industry experience. He previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney. Outside of his advisory role, he is a partner in a canned cocktail company developed by his wife. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning, investment consulting, and institutional advisory services through a range of portfolio management styles and affiliated research.

Lawrence Mieras Jr. is a financial advisor at Osaic Wealth with 43 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for American Portfolios Financial Services for 23 years. Outside of his advisory role, he serves as president of MFI Retirement Planning Associates, an insurance business. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, wrap portfolios, UMA strategies, and retirement plan consulting. The firm’s investment approach relies on model-based asset allocation and portfolio optimization supported by various analytical tools and multiple affiliated entities.

Joseph Curcio is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has worked with Cetera and its affiliates since 2013 and operates an independent insurance agency offering disability, annuity, life, accident, health, and long-term care products. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a multi-manager platform, providing a range of portfolio management, financial planning, and retirement services delivered by a large network of independent advisors.

Donna Scallo is a financial advisor with Wells Fargo Clearing and holds Series 63 and Series 65 licenses. She has 37 years of industry experience, including roles at Santander Securities LLC, LPL Financial, PNC Wealth Management, and Securian Financial Services. She has been with Wells Fargo Clearing since 2016 and Wells Fargo Bank, N.A. since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research from its Investment Institute and third parties, emphasizing diversification and modern portfolio theory in its investment approach.