Robert Cutrupi is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He worked at Morgan Stanley from 1983 to 2019 before joining Raymond James in 2019. Outside of his advisory role, he is the owner of The Cutrupi Group, LLC, a support company through which he offers financial services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing advisory and implementation support rather than delegated management.

Michael Phillips is a CFP® professional with 49 years of experience advising clients. He has been associated with OSAIC for 36 years and operates Phillips Financial Services, Inc., which he founded in 1994. In addition to his advisory work, he serves as a volunteer commission member focused on the well-being of Lake Topanemus in Freehold, NJ, and is a licensed notary public in the state. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers a range of investment and financial planning services utilizing advanced asset-allocation tools and access to third-party money managers.

Amy Coleman is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis.

Timothy Cannuli is a financial advisor with Raymond James Financial Services Advisors, Inc. in Manasquan, NJ, holding Series 63 and Series 65 credentials and possessing 27 years of industry experience. He has been with Raymond James since 2009 and also has longstanding involvement in real estate and insurance, including roles as an insurance agent and business owner. Cannuli is a partner in a development company and is involved in managing a bakery business through family and client partnerships. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional and municipal clients, offering financial planning and non-discretionary investment consulting. The firm emphasizes tailored financial plans developed through detailed client assessments and supports a significant portion of its advisory business on a non-discretionary basis.

Christopher Gallegos is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, N.A., and Wells Fargo Advisors, LLC. 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 financial planning and advisory programs, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Catherine Dimon is a financial advisor with Morgan Stanley who holds a Series 66 credential and has 13 years of industry experience. She has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Robert Gleason is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1996 and joined Merrill Lynch in 2012. His practice is focused on serving affluent families, Wall Street professionals, physicians, business owners, entrepreneurs, and retirees. He specializes in developing customized investment strategies, credit and lending solutions, tax mitigation, and asset preservation to help clients achieve their financial objectives. With over 25 years of experience, Robert holds several professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR™ (CPFA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor’s degree in Economics from Rutgers University. As a Senior Portfolio Advisor, he manages discretionary investment portfolios using a range of Merrill model portfolios and third-party strategies, offering access to equities, fixed income, alternative investments, options, ETFs, and customized lending solutions. Robert resides in Middletown, New Jersey, with his wife and daughter. He is involved with St. Leo the Great Church and supports charitable organizations focused on children’s welfare. Personal interests include basketball, biking, gardening, golfing, reading, traveling, and spending time with family.

Alyson Mandato is a Series 66–licensed financial advisor with Cetera, bringing five years of industry experience. She is currently affiliated with Cetera Wealth Services, LLC and King Financial Network, where she serves as a Wealth Management Associate. Mandato also has an ongoing association with the University of South Carolina since 2010. Cetera Investment Advisers LLC is an SEC-registered adviser offering services through a nationwide network of independent advisors to individual and institutional clients. The firm provides a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Lawrence Karpf is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 30 years of industry experience. Prior to joining LPL Financial in 2024, he worked at Wells Fargo Clearing from 2016 to 2024 and Wells Fargo Advisors LLC from 2009 to 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Patrick Heeb is a Financial Consultant currently working with Fidelity Investments since 2020. He has experience in financial consulting and has held roles including Financial Consultant at PNC Investments and Regional Vice President positions in annuity and mutual fund wholesaling with Pacific Life Insurance and Guardian Life Insurance. Throughout his career, Patrick has developed expertise in financial consulting, annuities, and mutual funds. He emphasizes understanding each client's personal and financial history to tailor financial planning that aligns with their definition of financial success. Outside of his professional work, Patrick has interests in fitness, parenthood, and puzzles.

Rocco Mercatante is a financial advisor with Merrill in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Merrill and Bank of America since 2012. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm leverages its integration with Bank of America to provide access to a broad range of financial products and services.

Michael Kelly is a financial advisor with Equitable Advisors, holding a Series 66 designation and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999, following a career that included time with Axa Advisors. Outside of his advisory role, he is involved in a life settlements brokerage business called The Ashar Group. Equitable Advisors serves a diverse client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through LPL programs and a variety of third-party asset managers, operating a hybrid referral and implementation model.

Brian Laux is a financial advisor with LPL Financial holding Series 63 and Series 66 designations and 37 years of industry experience. His prior roles include positions at Regal Securities, Victory Capital Advisers, and Invesco Advisers. Outside of his advisory work, he has been involved with Game 7 Sports in a non-investment capacity. 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 and financial planning services supported by research and multiple portfolio management options.

Parker Hoch is a financial advisor at OSAIC with eight years of industry experience. He previously worked at Lincoln Financial Advisors and Lincoln Financial Distributors from 2017 to 2025 and spent one year in full-time education prior to that. In addition to his advisory role, he is involved in offering accident and health insurance, disability insurance, fixed annuities, and traditional life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, institutions, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that may include a wide range of investment vehicles and supports both discretionary and non-discretionary account management.

Nicholas De Biase is a Series 66-licensed financial advisor at Morgan Stanley with three years of industry experience. He previously worked at UBS Financial Services for five years before joining Morgan Stanley, where he has served in roles at both Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Prior to his financial services career, he worked at McGrath Landscape. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and research.

Charles Wehmeyer is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He previously worked at UBS Financial Services for 14 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and an array of advisory programs supported by structured planning tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Elena Ristov is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2016. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting on a non-discretionary basis.

Laura Ray is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 23 years of industry experience. She previously worked at RBC Capital Markets for 10 years before joining Wells Fargo Clearing in 2022. 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 both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Ralph Gambino is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping clients navigate the complexities of managing their finances, from purchasing a home and saving for college to addressing healthcare needs and caring for elderly parents. Ralph works closely with clients to define their financial goals and develop portfolio strategies designed to help achieve them. He provides ongoing advice and adjusts portfolios as clients' situations evolve. Ralph holds a Bachelor's Degree from the Pennsylvania State University System and a Master's Degree from Felician College. He carries the CERTIFIED FINANCIAL PLANNER (CFP) designation and is recognized as a Personal Investment Advisor (PIA).

Keith Karstadt is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 63 designation and 47 years of industry experience. He previously worked at UBS Financial Services for 25 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models developed by its Global Investment Committee to support client financial goals.