Mary Elliott is a financial advisor at Morgan Stanley with 33 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2015 and holds Series 63 and Series 66 credentials. Outside of her advisory role, she serves as president of MTD Capital, a factoring brokerage. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and a range of advisory programs supported by structured planning tools and investment research.

John Geoghan is a financial advisor at Merrill with 33 years of industry experience. He holds the Series 63 designation and was previously with UBS Financial Services from 1992 to 2025. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

John Bohinski is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His career includes prior roles at Cetera Advisors LLC and Icc, and he is a part owner of WEF Brokerage Specialists, LLC, which operates a P&C insurance agency. He is also involved with Brokerage Professionals II, Inc., where he sells various insurance products including title insurance and Medicare supplements. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources, and provides both discretionary and non-discretionary management options.

Christine Purcell is a financial advisor at Fidelity with 18 years of industry experience. Her background includes eight years at Heritage House Sotheby's International Realty before joining Fidelity in 2019. She holds the Series 63 and Series 66 designations. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including a charitable gift fund and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, often delegating management to sub-advisers while applying oversight controls.

Joseph Pearce is a CFP®-designated financial advisor with 27 years of industry experience, currently serving clients at LPL Financial since 2019. Prior to joining LPL, he worked for 14 years at Ameriprise Financial Services. In addition to his advisory role, he is involved in operational support for his wife's interior design business in Point Pleasant, NJ. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house research, third-party subadvisors, and advanced portfolio management technologies.

Laurie Muller is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. She has previously worked with Dominion Financial Group and Voya Financial Advisors, INC. Laurie is also involved in selling life and health insurance through Ash Brokerage. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources to support both discretionary and non-discretionary management.

Ryan Goodwin is a financial advisor at Morgan Stanley with five years of industry experience. His prior work includes roles at Bank of America, Merrill, and Amazon. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, offering financial planning services that utilize firm-approved tools and modeling techniques to support tailored client strategies.

Evan Bloomberg is a CFA® charterholder with 17 years of industry experience. He is currently with Raymond James & Associates and was previously with UBS for 13 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through various advisory programs and institutional solutions.

Todd Gray is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, MORGAN STANLEY SMITH BARNEY llc, Bank of America, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and investment programs, managing approximately $2.74 trillion in client assets.

Courtenay Napoli is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Outside of her advisory role, she serves on the Ranney School Parent Development Committee, focusing on peer and parent outreach and event coordination. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gabriel Caponetto Jr. is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has been with UBS Financial Services since 2015. Outside of his advisory role, he is involved with Kona Investment Group, Inc., where he participates in interior design and staging as part of a management committee. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management to tailor strategies based on proprietary research and model-based asset allocations.

Kenneth Chan is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at LPL Financial since 2020 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with research support from LPL Research and third-party subadvisors.

Edward Schreiber IV is a financial advisor at Ameriprise with a Series 66 designation and recent industry experience. His background includes roles across diverse fields such as education and physical therapy, as well as involvement with Fresh Prints and WizCommerce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides ongoing advice and written recommendation reports based on a combination of proprietary research and third-party data.

Richard Quense is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 34 years of industry experience. His career includes roles at Mid Atlantic Benefit Strategies and Allied Wealth Partners, among others. He is also active as an agent/broker in fixed insurance sales with several firms. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and advisory services through a multi-manager platform that supports discretionary and non-discretionary strategies across multiple program structures.

Sean Flaherty is a Wealth Management Advisor with Merrill Lynch Wealth Management and a 28-year veteran of the firm. He focuses on providing individually tailored investment management, tax minimization strategies, estate planning, and wealth preservation for affluent clients. Sean develops personalized financial strategies using Merrill Lynch’s global resources and works closely with specialists and clients' other advisors to meet complex wealth management needs. Sean holds a Bachelor's Degree from Lynn University and is a graduate of the Merrill Financial Advisor's Program at the Wharton School, University of Pennsylvania. He also holds the Personal Investment Advisor (PIA) professional designation. Sean is involved with multiple cancer and heart disease charities and maintains an active lifestyle that includes golf, tennis, surfing, and coaching youth sports. He is a cancer survivor and supports medical institutions that contributed to his recovery.

Thomas Wieczerak is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 35 years of industry experience, including roles at MetLife Securities, New England Securities, and Provident Mutual. In addition to his advisory work, he is an independent insurance agent specializing in dental, group disability income, fixed annuities, life, accident and health, long-term care, and Medicare-related products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars with a collaborative, software-supported planning approach.

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.

Victor Vyas is a financial advisor with Mass Mutual Investors Services and holds the CFP® designation and Series 63 license. He has 24 years of industry experience, including roles at METLIFE Securities Inc and Massmutual Life Insurance Co. Outside of advising, he is involved in individual life and health insurance sales and servicing existing annuity contracts. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers financial planning, asset management, and educational programs, focusing on collaborative, annual planning engagements using firm-approved analysis tools.

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.

Robert Scherzer is a CFP®-designated financial advisor with Wells Fargo Advisors, bringing 42 years of industry experience. He has worked with Wells Fargo in various capacities since 2009. Scherzer is involved in wealth management through his ownership in Knight's Pledge Wealth Management and Scherzer Wealth Management LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting net-worth thresholds, utilizing Wells Fargo’s research and planning tools to develop customized recommendations.