Daniel Lloyd Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving as a core advisor on the Napoli Lloyd Group team. He began his career as a summer intern with the group in 2015 while attending Rutgers University, and has since advanced to his current role focused on delivering comprehensive wealth management strategies to high-net-worth individuals and families. He specializes in simplifying complex financial decisions by aligning investment strategy, cash flow planning, and long-term objectives to help clients preserve and grow wealth across generations. His client focus areas include family wealth management strategies, legacy planning, managing new wealth, and personal retirement planning. Daniel completed Merrill's Financial Advisor training program in 2023 and holds the designations of Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). Raised in the Shrewsbury and Red Bank area of New Jersey, Daniel takes pride in serving his local community and is involved with professional organizations such as the Monmouth Beach Fire Company and Red Bank Elks. Outside of his professional work, he enjoys golfing, cooking, traveling, and spending time with friends and family at the beach.

Anthony Cusanelli is a Senior Financial Advisor with Merrill Lynch Wealth Management. He assists individuals and families in reaching their financial goals through personalized wealth management strategies that adapt to evolving market conditions. His approach integrates insights from Merrill's investment expertise and the financial products of Bank of America. Anthony has developed considerable market knowledge throughout his dynamic career on Wall Street, building trusted relationships with C-level executives, institutional analysts, and high-net-worth individuals. He specializes in areas such as college education planning, corporate executive services, family wealth management, portfolio management, socially responsible investing, and strategies tailored to small businesses, sports, and entertainment sectors. He holds a Bachelor's Degree from Kings College and the Personal Investment Advisor (PIA) designation. Outside of his professional life, Anthony enjoys adventure sports, chess, ice hockey, soccer, tennis, volleyball, and spending time with his family.

Christopher Bonfiglio is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and having 16 years of industry experience. His prior roles include positions at Avantax Advisory Services and Advisor Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with options including model portfolios, third-party managers, and customized strategies.

Ellen Vetromile is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2018, she worked at Wells Fargo Clearing and Credit Suisse Securities (USA) LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market modeling techniques.

Joseph Zaccardo is a financial advisor with Ameriprise in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he serves on the Monmouth County Executive Committee and coaches private boxing lessons at the Middletown Boxing Club. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice, emphasizing assets managed within Ameriprise accounts and using algorithmic tools overseen by a dedicated committee.

Joseph Perna is a financial advisor with LPL Enterprise holding Series 65 and Series 63 licenses and 30 years of industry experience. His career includes roles at several firms, including Wells Fargo, Citizens Securities, Clarfeld Financial Advisors, and most recently LPL Enterprise. LPL Enterprise serves a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm offers model-driven investment advisory and brokerage services, financial planning, and access to third-party asset managers, with notable involvement in non-securities products such as affiliated trust custody and insurance services.

Melissa Lannon is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2011. In her role, she partners with high-net-worth clients and their families to build, manage, and preserve wealth. She leverages over 25 years of industry experience to provide guidance in investment strategies, retirement planning, income protection, long-term care, and tax-efficient investing. Prior to joining Fidelity Investments, Melissa held several positions in the financial services industry, including Vice President and Regional Manager at J.P. Morgan Asset Management from 2003 to 2010, Financial Advisor at Edward Jones Investments from 2002 to 2003, and Internal Wholesaler at Lord Abbett from 2000 to 2002. Outside of her professional work, Melissa enjoys gardening, outdoor adventures, and snowboarding.

Fady Keriakos is a financial advisor at Merrill with Series 66 and Series 63 credentials and two years of industry experience. His prior work history includes roles at Bank of America, JPMorgan Chase Bank, TD Bank, Amazon.com, and Credit Agricole Egypt. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brent Mctaggart is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Wells Fargo Clearing, Banc of America Investment Services, Inc., and Quick & Reilly, Inc. He also owns and operates BMM Wealth Management Corp. Wells Fargo Advisors is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with various financial products and referral channels.

Frank Belfiore Loconte is a financial advisor at Charles Schwab with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2021, following seven years at TDAmeritrade. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research and alternative investment options.

Amy Weston is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2015. 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 comprehensive tools and analytics, managing approximately $2.74 trillion in client assets.

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.

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.

Richard Tighe Jr. is a Series 66-licensed advisor with 16 years of industry experience, currently affiliated with LPL Enterprise. His prior roles include positions at J.P. Morgan Securities, Ameriprise Financial Services, and the New Jersey Economic Development Authority. He has also maintained a role with the Township of Hamilton since 2018. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

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.

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.

Eric Schwam is a financial advisor with UBS Financial Services in Marlboro, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to a wide range of investment products supported by proprietary research and institutional trading capabilities.

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.