Hirsh Zyskind is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2022, following nine years at Bank of America and Merrill. Outside of his advisory role, he is involved in real estate property management and ownership in New Jersey. 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 including tailored financial planning supported by structured discovery and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

Fred Peters is a Senior Financial Advisor with Merrill Lynch Wealth Management. He applies Merrill’s Goals-Based Wealth Management process to help clients pursue meaningful financial objectives by prioritizing clear decision-making and transparency. Fred serves a diverse clientele including business owners, entrepreneurs, retirees, senior citizens, and families with special needs members, developing tailored strategies for short- and long-term financial goals. With over sixteen years of management experience prior to joining Merrill Lynch in 2016, Fred leverages his expertise to address complex financial challenges such as special needs planning, retirement income, philanthropic planning, and personal retirement planning. He holds a Bachelor’s Degree from Richard Stockton College of New Jersey and is pursuing an MBA at Georgian Court University. Fred’s professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fred is active in his community, serving on boards for the Brick Township Chamber of Commerce, Greater Toms River Chamber of Commerce, and Ocean County Family Service Organization, as well as participating with the Brick Township Morning Rotary Club. Outside of work, he enjoys chess, football, music, racquetball, running marathons, spending time with his family, and watching movies. As a military parent, he supports armed forces deployments with personal dedication.

Louis Gallipoli II is a financial advisor at Cetera with 26 years of industry experience. He holds a Series 65 credential and has a background that includes ownership and management of a tax preparation and accounting firm, Gallipoli & Gallipoli, PC, as well as involvement in various business activities. He also serves as treasurer for a local soccer club, Jersey Shore United FC, providing organizational advice during its startup phase. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options, incorporating both affiliated and third-party managers, and manages over $256 billion in assets through a network of more than 10,000 advisors.

Mark Likes is a financial advisor with LPL Financial in Toms River, NJ, holding Series 63 and Series 66 credentials and 42 years of industry experience. He previously worked at Sagepoint Financial, Inc. and maintains a tax preparation and accounting practice, as well as involvement in mortgage and real estate services through a separate lending entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a variety of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and technology-driven investment strategies.

Alexander Joice is a financial advisor at Equitable Advisors with 25 years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors since 2001, previously associated with Axa Advisors. Outside of his advisory role, Joice is an associate at Titan Agency LLC, involved in the sale of auto and homeowner's insurance. 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 a broad range of third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Anthony Girgis is a financial advisor with Equitable Advisors, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors since 2007 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he volunteers as a substitute lunch aide at Westminster Nursery School in Toms River, NJ, and serves as co-trustee of family trusts. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that leverages external programs and offers both advisory and brokerage channels.

Jonathan Panigel is a Financial Advisor with Merrill Lynch Wealth Management, specializing in managing new wealth, personal retirement planning, and portfolio management services. He has a longstanding passion for investing and wealth planning that dates back to high school and is dedicated to helping clients achieve their financial goals. Jonathan holds the Personal Investment Advisor (PIA) designation and has completed an Accredited Certificate Program from Yeshiva Mayen Hatalmud. Since joining Merrill Lynch, he has developed close relationships with his clients, focusing on guiding them to live their best possible financial lives. Outside of his professional work, Jonathan enjoys a variety of personal interests including baseball, basketball, football, ice hockey, music, running, softball, traveling, and spending time with his family.

Christopher Carbone is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Merrill since 2014 and at Bank of America, N.A. since 2015. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Luppo is a financial advisor at Fidelity with four years of industry experience and holds a Series 66 credential. His prior roles include positions at Bank of America Merrill Lynch, Gilder Gagnon Howe & Co LLC, and BLV Securities. Outside of financial advising, he has worked as a casino host for Caesars Entertainment. He is affiliated with 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 multi-manager and fund-of-funds strategies, and serves as an advisor to multiple registered investment companies.

Perry Lee is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Outside of his advisory role, he serves as a trustee for the Lee Family Trust. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides financial planning and advisory programs to both individual and institutional clients. The firm uses structured discovery processes and advanced modeling tools in its planning services and manages approximately $2.74 trillion in client assets.

James Koerner is a CFP® professional with 14 years of industry experience, currently serving at Cetera. He has prior experience at Avantax Advisory Services and 1st Global Advisors, and has operated a tax preparation and accounting practice since 1992. Koerner is also involved in Koerner Wealthcare, LLC, which provides financial planning and asset management services. Cetera Investment Advisers LLC is an SEC-registered firm offering a broad range of portfolio management and financial planning services through a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm provides access to multiple program structures and third-party money managers, managing assets exceeding $250 billion.

Sean O'Sullivan is a financial advisor with Wells Fargo Advisors in Barnegat, NJ, holding Series 63 and Series 65 licenses and with 26 years of industry experience. He previously worked within various Wells Fargo entities since 2009. Outside of his advisory role, he owns Mindful Investing LLC, an investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, utilizing Wells Fargo research and tools to develop tailored recommendations delivered through client meetings and summary letters.

Shannon King is a financial advisor with Equitable Advisors, holding a Series 66 designation and six years of industry experience. Prior to joining Equitable Advisors in 2020, Shannon worked at AXA Advisors LLC and Labaton Sucharow LLP, and also held a position at Monmouth University. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers a combination of financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.

Jesus Milara is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors. 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 more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Stephen Donnelly is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Woodbury Financial Services and Questar Asset Management. Outside of his advisory work, he is a member of the Stafford Township Planning Board and serves as a consultant for a nonprofit organization that helps local students access endowment scholarships. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services with portfolios constructed using firm-provided tools and third-party solutions.

Matthew Stoll is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various JPMorgan Chase entities since 2010. Outside of his advisory role, he is involved with Shea Face LLC in a limited employee/contractor capacity, assisting with general banking and property maintenance coordination. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services on a non-discretionary basis, combining large institutional advisory operations with brokerage and investment management capabilities.

Mohammed Korany is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors, LLC and Wells Fargo Bank NA. Outside of finance, he has maintained a long-term position at McDonald’s since 2004. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with options for discretionary management and a broad range of financial products including insurance-related vehicles.

Anthony Caldarise is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on providing clients with comprehensive wealth management solutions that connect all facets of their financial lives. Anthony works with clients to prepare for significant life events such as retirement or college, as well as to secure their future through long-term care and life insurance protection. His disciplined approach combines his professional experience with the extensive resources of Merrill and Bank of America. Anthony has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He holds a High School Diploma from Monsignor Donovan High School and an Associate's Degree from Ocean County College, where he graduated with honors in Business focusing on finance. A lifelong resident of Ocean County, New Jersey, Anthony is actively involved in his community. He volunteers and fundraises for organizations such as Hope Sheds Light, Rotary, and the Sons of the American Legion. He resides in Ocean County with his family and enjoys dancing, golfing, and spending time with them.

Gerard Cala is a financial advisor with Equitable Advisors in Toms River, NJ, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at AXA Advisors. Equitable Advisors serves a diverse client base including individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Eun Jin Cambio is a financial advisor at Fidelity with nine years of industry experience. She has held roles at Fidelity Investments and Fidelity Brokerage Services since 2017, following seven years at Northfield Bank. Cambio holds Series 66 and Series 63 credentials. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages model portfolios across mutual funds, ETFs, and ETPs, and serves as an advisor to multiple registered investment companies and fund-of-funds.