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.

Kevin Spencer is a financial advisor at Charles Schwab with 34 years of industry experience. He has worked at Charles Schwab since 2007 and holds the Series 63 and Series 66 designations. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

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.

Michael Santino is a financial advisor with LPL Financial, holding the PFS™ designation and Series 66 license, and has 19 years of industry experience. He previously worked at National Planning Corporation for five years and has over two decades of experience in accounting and tax preparation through his role at Mark A. Coller, CPA. Outside of advising, he has worked as a driver for DoorDash. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily through investment adviser representatives using a variety of strategic and tactical investment options.

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.

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.

Paul Donnelly is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors since 1999, including its previous affiliation as Axa Advisors, LLC. Outside of his advisory role, he is a partner in the Healthcare Business Planning Group, LLC, which markets various services to physicians. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and a range of asset-management programs, utilizing a combination of firm-offered solutions and third-party advisory programs.

Peter Graham Sr. is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 31 years of industry experience. He has worked at LPL Financial since 1995 and has been operating his own CPA and bookkeeping service since 1970. Outside of his advisory role, he provides auditing, tax preparation, and financial planning services through his CPA practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors, utilizing both proprietary and third-party strategies.

Steven Reina is a Series 66-licensed financial advisor at LPL Enterprise with 21 years of industry experience. His career includes roles at several firms such as The Prudential Insurance Company of America, PRUCO Securities, LLC, and Lincoln Financial Advisors. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach using portfolios developed by its Research Department and third-party strategists, and offers a range of services including financial planning, access to third-party asset managers, and participation in a wrap program.

Karin Mikula is a financial advisor at UBS Financial Services with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has been with UBS since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of financial planning and portfolio management solutions, supported by proprietary research and a broad platform of capital markets services.

Joseph Pitch is a CFP®-certified financial advisor with 34 years of industry experience, currently with LPL Financial since 2021. He previously worked at Cadaret, Grant & Co., Inc. for 21 years and operated Pitch Financial Services LLC during that time. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Elizabeth Shouvlin is a financial advisor with Edward Jones, holding a Series 66 designation and bringing two years of industry experience. Prior to joining Edward Jones in 2021, she held positions in hospitality and arts management. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard, supported by a large network of financial advisors and branch offices nationwide.

Gregory Wagner is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Merrill and Citigroup Global Markets Inc. Wagner has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Alyssa Scardelli is a financial advisor with UBS Financial Services and holds a Series 66 designation. She has 13 years of industry experience, including prior roles at Goldman Sachs, Bank of America, and Merrill. Outside of her advisory work, she is involved as an incorporator and member of an LLC related to personal property management. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates proprietary research and institutional trading capabilities within its wealth management services.

James Alario is a Planning Consultant currently working at Fidelity Investments since 2023. He has extensive experience in the financial services industry, having previously served as a Financial Solutions Advisor at Bank of America Merrill Lynch from 2017 to 2023, and as a Registered Client Service Associate at Oppenheimer & Co., Inc. from 2011 to 2017. Throughout his career, James has focused on helping clients pursue their financial goals by building meaningful relationships and providing tailored guidance based on individual client needs. He is committed to continuing his professional development through further education and certifications to enhance his expertise and advance his career.

Shannon Ricciardi is a financial advisor at Morgan Stanley in Red Bank, NJ, with seven years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009. 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 and estate planning services, managing approximately $2.74 trillion in client assets.

Zachary Brown is a financial advisor at LPL Financial with eight years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2018, following a brief period at Cadaret, Grant & Co., Inc., and prior experience at Chow Now. Brown serves as president of the Atlantic Highlands First Aid Rescue Squad, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing research model portfolios, third-party subadvisors, and customized strategies.