David Munoz is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing before joining Merrill in 2018 and subsequently Bank of America in 2025. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Nolan is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has experience working at several firms, including Creative Financial Group, National Life Insurance of Vermont, and Northwestern Mutual. Nolan has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2025. Mass Mutual Investors Services, LLC 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 annual, collaborative planning engagements using firm-approved analytical tools and programs tailored to various client needs.

Eric Sciulla Jr. is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. He has been affiliated with Cetera and its predecessor entities since 2008. Outside of his advisory role, Sciulla is involved in several business activities including managing partnerships in financial consulting and non-CPA tax preparation firms. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary strategies.

Paul Lobosco is a financial advisor at Cetera with 36 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously with I C Advisory Services, Inc. and The Investment Center, Inc. In addition to his advisory role, he is president of Forward Capital Management, LLC and a co-founder and director of American Health Revolution, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio strategies and program options, supported by a large network of over 10,000 advisors and approximately $256 billion in assets under management.

Andrew La Spina is a financial advisor at LPL Financial with three years of industry experience and holds the Series 66 designation. His prior work includes roles at OSAIC Wealth, Inc. and a non-investment trading card business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a wide range of advisory and brokerage services.

Jeffrey Vogel is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His career includes roles at Wells Fargo Advisors and Merrill, spanning over two decades. 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 combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Jeremiah Mc Namara is a financial advisor with Wells Fargo Clearing, holding a Series 63 credential and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Chantley Thomas is a financial advisor with Primerica Advisors in Freehold, NJ, holding Series 63 and Series 65 licenses and one year of industry experience. Thomas has previously worked at Bristol Myers Squibb, Iqvia, Campbell University College of Pharmacy, and CVS Pharmacy. Outside of advising, Thomas is president of Thomas Multiservices LLC, a non-investment related business. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable organizations. The firm utilizes model-delivery strategies created by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

James Holman is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. He has worked with Merrill Lynch since 2018 and previously held positions at Wells Fargo Bank and Bank of America. Outside of his advising role, he manages a rental property in Toms River, NJ. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional entities.

Sean Donlan is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has 28 years of industry experience. His prior work includes roles at Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., Berger Financial Group LLC, and John Hancock Mutual Life Insurance Company. In addition to his advisory role, he operates as an independent insurance agent specializing in dental and group disability income, fixed annuities, and life, accident, health, and long-term care insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, wrap and money-manager programs, and educational seminars, with a collaborative and annual approach to planning using firm-approved analytical tools.

Robert Romano is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at UBS Financial Services Inc. for nine years. Outside of his advisory role, he is the sole owner of a rental property business. Merrill, along 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 investment strategies for a range of individual and institutional clients.

Kai Chen is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020. Prior to his financial services career, he held roles at HomeGoods and Ikea. 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 through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage, distribution, and investment management functions.

Beth Meszaros is a financial advisor at Cetera with 17 years of industry experience. She holds a Series 66 designation and has worked with Cetera since 2009. Outside of her advisory role, she owns and creates handmade knits and gifts sold on Etsy and is involved in managing a needlepoint supplies business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment management and consulting services through a multi-manager platform with access to affiliated and third-party managers.

Gaetano Guerra Jr. is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 30 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he volunteers teaching religion at St. Veronica Church in Freehold, NJ. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and various institutional clients. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists.

Scott Waldron is a financial advisor at Fidelity with a Series 66 designation and approximately 1 year of industry experience. His prior work includes positions at Northwestern Mutual Investment Services LLC and various roles outside the financial industry. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and delegates day-to-day management to sub-advisers while maintaining oversight.

Timothy O'Brien is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He holds Series 63 and Series 65 registrations and has worked in various Wells Fargo entities since 2015. He is the owner of O'Brien Asset Management, an investment-related business. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning solutions and integrating advisory services with other financial product offerings.

John Marinelli is a CFP® professional with 25 years of industry experience. He is currently an advisor at OSAIC, where he has worked since 2022, and previously spent nine years at American Portfolios Financial Services. In addition to his advisory work, Marinelli is involved in tax preparation through AJC Advisors. Osaic Wealth, Inc. serves a diverse range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes on discretionary or non-discretionary bases.

Scott Codacovi is a financial advisor with Ameriprise in Matawan, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, he is involved in independent insurance brokering with multiple companies. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Craig Laday is a financial advisor with LPL Financial and holds a Series 63 designation. He has 38 years of industry experience, including 32 years at Ameriprise Financial Services, Inc., and seven years at LPL Financial. Outside of his advisory work, he owns a limited liability company that provides protection for watercraft. 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, supported by a broad network of investment adviser representatives.

Christopher Foley is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Foley serves as a power of attorney for his mother and is involved in managing multiple investment-related entities, including his own LLC and partnerships. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with clients able to implement recommendations through various brokerage and advisory programs.