Christopher Kelly is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has been with Equitable Advisors since 2011 and previously worked at Axa Advisors. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm uses a hybrid referral and implementation model, tailoring services through a client intake process and offering both advisory and brokerage/insurance channels to execute client recommendations.

Keith Onto is a financial advisor with Equitable Advisors in Wall, NJ, holding Series 65 and Series 63 licenses and having 13 years of industry experience. He previously worked with Axa Advisors, LLC from 2013 to 2020. Outside of advisory work, Onto is involved in health insurance through Zenith Marketing Group Inc. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, brokerage and advisory services, and access to third-party asset management programs, operating primarily through LPL-sponsored programs and endorsed third-party managers.

John Devlin Jr. is a financial advisor at Stifel with 28 years of industry experience. He holds the Series 66 designation and has been with Stifel since 2015. Outside of his advisory role, he serves as President of the Board of Trustees for Rumson Country Day School, a private grade school in Rumson, NJ. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation guidance developed by its Investment Strategy Group.

John Busco is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked within various Wells Fargo entities since 2009, serving in his current role since 2024. He owns and operates JGJ Wealth Management Corp and is also involved with Busco GP, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and utilizes proprietary research and planning tools to develop tailored client recommendations.

Richard Miranda is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 credential and 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual relationships and corporate financial planning agreements.

Joseph Papandrea is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds the Series 66 designation and has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Matthew Guarino is a Financial Advisor at Merrill Lynch Wealth Management. He brings expertise in portfolio risk management, investment services, risk analysis, client relationship management, and financial tax strategies. Matthew is committed to assisting clients in achieving their financial goals. He holds a Bachelor of Arts degree in Economics from Rutgers, The State University of New Jersey-New Brunswick. Additionally, he maintains FINRA Series 7 and Series 63 registrations and holds the Personal Investment Advisor (PIA) designation. His prior experience includes roles at Bloomberg and Jennison Associates. Outside of his professional responsibilities, Matthew's interests include running, weight lifting, golf, hiking, Brazilian Jiu Jitsu, and reading about the markets. He is involved in community organizations such as Camp Quality and the Graeme Preston Foundation for Life. He spends his personal time with his wife, dog, family, and friends.

Ashley Carom is a financial advisor at Merrill with seven years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2018, with additional experience at Charles Schwab Bank and Charles Schwab & Co., Inc. Prior to that, she was employed at The Brothers Moon. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Janis Waldman Cooper is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has previously worked with IC Advisory Services Inc, The Investment Center Inc, and TFS Securities, Inc. In addition to her advisory role, she operates a sole proprietorship offering mediation services for divorcing couples. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, corporations, and nonprofits through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Marija Duzic is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 credentials and possessing 29 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with 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 services directly to individuals as well as through corporate agreements.

Eric Karlik is a financial advisor with Mass Mutual Investors Services who holds a Series 66 license and has 12 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with MetLife Securities Inc. from 2015 to 2017. In addition to his advisory role, he is an independent insurance agent involved in selling dental and group disability income, disability, fixed annuities, life/accident/health, long-term care, and life settlements through Ashar Group, LLC. 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 various programs including wrap and money-manager solutions and conducts educational seminars.

Vincent Mannino is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has previously worked at Park Avenue Securities and Guardian Life Insurance. Outside of his advisory roles, he was involved with The Incline Club Skatepark for over a decade. He works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.

Matthew Beaulieu is a financial advisor at Morgan Stanley with 31 years of industry experience. He previously worked at UBS Financial Services for 29 years before joining Morgan Stanley in 2023. He holds Series 63 and Series 65 licenses. 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 planning tools and investment modeling provided by its Global Investment Committee.

Mark Cotroneo is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017, following eight years at Morgan Stanley Smith Barney. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alyssa Cannuli is a financial advisor with Raymond James Financial, holding a Series 66 designation and 10 years of industry experience. She previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. from 2015 to 2019 before joining Raymond James Financial Services, Inc. in 2020. Alyssa is also licensed as a broker in non-variable insurance, selling disability, whole, term, and life insurance. 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 institutional clients. The firm offers tailored non-discretionary planning using risk profiling and analytical tools and supports its clients through various advisory programs and institutional consulting services.

Christine Laspina is a financial advisor at RBC Capital Markets with 26 years of industry experience. She holds Series 63 and Series 65 designations and has been with RBC Capital Markets since 2013. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Tracy Montgomery is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 1996, also working with Bank of America since 2014. Outside of her advisory role, she serves as the executor of a family estate. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Christine Lombardi is a financial advisor with UBS Financial Services, holding Series 65 and Series 66 licenses and bringing 20 years of industry experience. She has been with UBS Financial Services Inc. since 2005. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management, using proprietary capital market assumptions and research to tailor client plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory solutions.

Pacita Devera is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. She holds Series 63 and Series 66 designations and has worked at various Wells Fargo entities since 2009. Outside of her advisory role, she serves as power of attorney for a family member. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, using proprietary research and tools to develop tailored recommendations for clients.

John Lewer is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his career in financial services in 1996 and joining Merrill Lynch in 1998, John has focused on providing personalized wealth management services to affluent individuals and families. His practice emphasizes retirement income planning, wealth transfer, and creating comprehensive financial plans that extend beyond investment portfolios. John collaborates closely with clients’ tax and legal advisors to develop integrated strategies tailored to their unique goals. John’s expertise includes asset and liability management, tax minimization, income and asset preservation, and generational wealth transfer. He serves clients with investable assets of $1,000,000 or more, aiming to build long-term relationships that span market cycles and often generations. His client focus areas include college education planning, family wealth management strategies, socially responsible investing, special needs planning, and both individual and corporate investment strategies. John earned a Bachelor of Business Administration degree, graduating cum laude from Iona College’s Hagan School of Business in 1994, and is a member of Delta Epsilon Sigma, a national scholastic honor society. He holds the designation of Personal Investment Advisor (PIA). Outside of his professional work, John resides in Rumson, New Jersey, and enjoys cycling, mountain biking, swimming, and traveling.