Michael Szotak is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 66 licenses. Szotak has worked at LPL Financial since 2018 and has been associated with Wellesley Financial Planners since 2004. He also has experience at Cadaret, Grant & Co., Inc. and Equitable Advisors. Outside of his advisory role, he is involved in tax preparation and accounting services through Wellesley Financial Planners. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advisors implementing a range of investment strategies supported by research and technology tools.

James Gates Jr. is a financial advisor with Equitable Advisors in Wall, New Jersey, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Equitable Advisors and its predecessor firm AXA Advisors since 1999. Outside of his advisory role, Gates serves on the Bay Head Township Council and participates in the Parish Finance Council at Sacred Heart Church, as well as acting as Treasurer for the Regular Republican Organization of Bay Head. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a variety of advisory programs and third-party asset managers to tailor investment solutions across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Lori Ann Simon is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2017, including a current role at Morgan Stanley Private Bank, National Association since 2018. Her prior experience includes a one-year tenure at Northwestern Mutual. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm employs a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

John Whitmore is a Series 65-licensed financial advisor at Edelman Financial Engines with one year of experience at the firm. Prior to joining Edelman, he worked at Peachtree Capital Group for one year and has been involved in the pizza business for several years, including ownership of Luigi's Famous Pizza. Edelman Financial Engines provides technology-enabled investment advisory services primarily focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and serves a large client base through a combination of advisor-led and online platforms.

Jason Innocenti is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 10 years before joining his current firm in 2023. He is also the owner of Innocenti & Associates, Inc., which operates under the name Beneficial Capital Group. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services, including specialized offerings such as business-owner transition and special-needs planning. The firm combines proprietary research and planning tools to deliver tailored recommendations through discrete planning engagements.

Timothy Dean is a financial advisor at OSAIC with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors and JP Morgan Securities. In addition to his advisory role, he is licensed as an insurance agent offering traditional life insurance and annuity products. OSAIC serves a wide range of clients, including individual investors, retirement plans, charities, and corporate entities, providing brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, supported by various tools and options for client customization.

Aaron Niederman is a CFP® professional with 21 years of industry experience, currently affiliated with Cetera. His career includes roles at Securian Financial Services, Mid Atlantic Resource Group, and MargFinancial. He serves as a volunteer firefighter for the Freehold Fire Department and holds a board trustee position at the Independence Square Condo Association. Cetera Investment Advisers LLC provides investment advisory services through a nationwide network of independent advisors, serving individual, corporate, retirement plan, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Edward Garrigal Jr. is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo, he worked at Cetera, CETERA Financial Specialists LLC, and B. Riley Wealth Management. Outside of finance, he has worked as a bartender at Eventide Grille since 2015. 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 combines research and analytics with a range of brokerage and advisory solutions, operating at large scale with approximately $671 billion in assets under management and over 14,000 financial advisors.

Gary Hager is a CFP® with 35 years of industry experience, currently affiliated with OSAIC since 2025. He previously worked at Lincoln Financial Advisors Corporation for eight years and spent over a decade with Summit Financial Resources and Summit Equities. Hager is also involved as an owner and agent at Integrated Wealth Management Co., LLC, where he offers various insurance products including disability insurance and fixed annuities. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach utilizes model-based asset allocation, portfolio optimization tools, and a range of managed account programs.

Henry Frenzel III is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Stifel since 2014. His tenure includes work with STiFEL NICOLAUS & CO INC. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation, retirement, insurance, and estate planning analyses.

Jeffrey Bahary is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. His prior roles include positions at First Allied Advisory Services and First Allied Securities. Outside of his advisory work, he serves as a board member for his homeowners association and holds fiduciary roles in family trusts and estates. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors, serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a wide range of portfolio management and financial planning services.

Patrick Sheehan is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial situations and helps introduce them to solutions available through Merrill and Bank of America. His objective is to provide clients with the knowledge and tools necessary to manage their financial lives and select platforms suited to their current needs. He specializes in assisting clients with managing multiple financial priorities, such as purchasing a home, saving for education, elder care, and healthcare planning. As a Merrill Financial Solutions Advisor, he works closely with clients to define goals and design portfolio strategies aimed at achieving them, offering ongoing advice and adjusting strategies as client situations evolve. Patrick holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's degree from the University of Maine as well as a Master's degree from Southern New Hampshire University.

Phillip Malavarca is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and nine years of industry experience. His career includes roles at Wells Fargo Bank, PFS Investments Inc., Primerica Financial Services, and several regional banks. Outside of financial advising, he owns a small business providing auto care consulting and auto body wrap services. 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 combines internal research and third-party analytics to offer diversified investment solutions and facilitates a broad range of financial products through affiliated banks and insurance companies.

Thomas Olszak is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 66 licenses. He has 45 years of industry experience and has been with Wells Fargo Clearing since 2016. 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 and offers a combination of brokerage and advisory solutions.

Frank Strucki is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 2000 to 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by proprietary tools and analyses. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Tara Naldi is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 31 years of industry experience. Her career includes long tenure at Invest Financial Corporation and prior roles at Northfield Bank and LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutional clients. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Maurice Cassara is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 2004 to 2009. 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 a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Kimberly Riccoboni is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 20 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and has worked at MetLife Securities Inc. since 2011. Mass Mutual Investors Services 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 collaborative, annual planning engagements using firm-approved analytical tools and delivers written recommendations without discretionary investment authority.

Christina Hammond is a financial advisor at Equitable Advisors with one year of industry experience. She holds the Series 66 designation and previously worked at the Kayo Conference Series, Producify, and Red Pepper Group. Outside of her advisory role, she works as a bartender on weekends at the Beachwood Yacht Club, a sailing club in Beachwood, NJ. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm utilizes various advisory models, including third-party programs and discretionary management, covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Thomas Cali is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1999 and joined Merrill Lynch in the same year as a Financial Advisor. Thomas focuses on addressing the complex financial needs of high net worth clients by offering investment, estate and wealth transfer strategies, liability planning, and insurance solutions. He is a qualified Portfolio Manager who designs and manages personalized investment strategies incorporating individual securities, Merrill model portfolios, and third-party strategies. Additionally, he serves clients through the firm's Investment Advisory Program, managing portfolios on a discretionary basis when appropriate. Thomas earned a Bachelor of Science degree in Business Administration and High Technology Management from California State University in 1999. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation. He also maintains several registrations and licenses through the Financial Industry Regulatory Authority (FINRA) and state insurance authorities, including Series 7, 24, and 66 registrations, as well as New Jersey Life, Health, and Long Term Care Insurance Licenses. Residing in Brielle with his wife Amy and their two sons, Thomas is active in local philanthropic organizations. Outside of his professional role, he enjoys spending time with his family, sport fishing, biking, boating, cooking, gardening, surfing, traveling, and woodworking.