Colin Hollingsworth is a Senior Financial Advisor based in Red Bank, New Jersey. He began his career as a Financial Advisor in 2018 and transitioned his practice to Merrill in 2023. Born and raised in Monmouth County, Colin serves corporate executives, business owners, and families, assisting them in growing and structuring their wealth. His approach emphasizes teamwork, collaborating with specialists throughout Bank of America and Merrill to provide clients with multiple perspectives, identify gaps and efficiencies in wealth management, and develop customized strategies to address the complexities of their financial situations. Colin's expertise includes college education planning, family wealth management strategies, legacy planning, personal retirement planning, and tax minimization. Colin earned his bachelor's degree from Rutgers, The State University of New Jersey in 2018 and is a first-generation college graduate who worked full time during his studies. He holds multiple professional credentials, including the Certified Financial Planner (CFP) certification and the Certified Plan Fiduciary Advisor (CPFA) designation. He is a member of Business Network International and is involved with the Alzheimer's Association. Colin and his partner, Carly, reside in Monmouth County with their son, Jack.

Richard Auteri II is a financial advisor with LPL Financial in Iselin, NJ, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. He is involved in non-variable insurance activities as an agent through related business entities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Mark Kranz is a financial advisor with Primerica Advisors in Tinton Falls, NJ, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked with Primerica Advisors since 1990 and Primerica Financial Services since 1991, alongside operating Jbp Enterprises since 1996. In addition to advisory services, he is involved in sales of loan products and referrals for home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Ilya Khait is a financial advisor with LPL Enterprise, holding a Series 66 designation and over 23 years of industry experience. He previously worked at Pruco Securities, LLC for 22 years and has been associated with Prudential Insurance Company of America for 25 years. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers a range of services such as financial planning, access to model portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

Margaret Kelleher is a financial advisor with Ameriprise who holds Series 63 and Series 65 designations and has 21 years of industry experience. She has been with Ameriprise since 2006, including her current role beginning in 2020. 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 clients nearing or in retirement with written recommendation reports and annual retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Sergio Modernel is a financial advisor at Ameriprise with 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he co-owns Xcelerate Growth LLC, a business related to managing his Ameriprise practice. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets. The firm offers a range of advisory, brokerage, and insurance solutions through affiliated companies, employing a research-driven and algorithm-supported approach to retirement income recommendations.

Anthony Liberatore is a Financial Consultant specializing in holistic financial planning. He holds the CERTIFIED FINANCIAL PLANNER® designation and works with individuals and families to develop tax-efficient investment strategies, retirement plans, income protection solutions, and long-term care planning. Anthony aims to serve as a lifelong resource not only for his clients but also for their extended networks. Anthony has been with Fidelity Investments since 2022, progressing through roles as a Financial Representative, Investment Consultant, and Planning Consultant before his current position. His experience spans multiple facets of financial consulting, allowing him to provide comprehensive support tailored to his clients' needs. Outside of his professional responsibilities, Anthony has interests that include the beach, cars, concerts, movies, music, and pets.

Stephen Bouffard is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. He has been with Wells Fargo Clearing since 2020 and has worked at Wells Fargo Bank, N.A. since 2009. 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 and provides both brokerage and advisory solutions.

Joseph Rosen is a financial advisor with Merrill in Red Bank, NJ. He holds a Series 66 designation and has one year of industry experience. His prior work experience includes roles at Bank of America, Lululemon, Seamless Contacts, Warby Parker, and M&T Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Jacqueline Mazza is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Robert Baxter is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Wells Fargo in various capacities since 2009, including seven years at Wells Fargo Advisors 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 roughly $671 billion in assets and offers a broad range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Marisela Torres Hernandez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Her prior roles include positions at The Prudential Insurance Company of America and Pruco Securities, along with 12 years at the Division of Child Protection and Permanency. She is based in Red Bank, NJ. 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 with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Michael Hrehowsik is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 credential and has been associated with Merrill and Bank of America, N.A. since 2010. Outside of his advisory role, he serves as a power of attorney in a fiduciary capacity. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zachary Passman is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with LPL Financial since 2009. Outside of financial advising, he writes, plays, records, and produces music on a freelance basis, including composing jingles for businesses. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing model portfolios, third-party subadvisors, and LPL Research.

James Lapiedra is a CFP® with 17 years of industry experience, currently advising at Cetera since 2020. His prior work includes roles at First Allied Advisory Services and Potter, LaMarca & Company, LLP. He serves as a board member of a police organization providing peer assistance and is involved in several consulting and business ventures, including leadership positions at ID 360 LLC and Piedra Rives Corp. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party investment options.

Catherine Mannes is a financial advisor with Morgan Stanley, holding a Series 66 designation and having 12 years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Michael Curley is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 30 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, J.P. Morgan Securities, and the NY Center for Interpersonal Development. He is also an independent insurance agent for various companies. 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 and financial planning services, supported by proprietary and third-party research and technology-driven investment strategies.

David Gilmour is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and 14 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2012 and at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is a partner at Gilmour Capital LLC, a healthcare-related business in New Jersey. 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. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Andrzej Dudus is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 28 years of industry experience, including 20 years at Metlife Securities Inc. and has been with Mass Mutual Investors Services since 2017. He also engages in renewal and service fee work related to legacy life insurance business from Metlife and Brighthouse Insurance companies. 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, trusts, estates, charitable organizations, and employers. The firm structures financial planning as ongoing, collaborative engagements using firm-approved tools and offers specialty services including estate settlement and employer-sponsored planning.

Ralph Rosenbaum is a financial advisor with Cetera, holding the PFS™ credential and Series 63 and Series 65 licenses, and has 28 years of industry experience. He has worked primarily with Avantax entities since 1997 and operates his own CPA practice specializing in tax preparation and accounting. Outside of advisory work, he is involved in a food truck business as an investor. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management options, model portfolios, third-party manager selections, and various program structures across multiple custodians.