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 with LPL Financial and holds a Series 66 designation. He has eight years of industry experience, including prior work at Cadaret, Grant & Co., Inc. and Chow Now. He serves as president of the Atlantic Highlands First Aid Rescue Squad, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party strategies.

Daniel Lloyd Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management and a core member of the Napoli Lloyd Group. He began his career with the Napoli Lloyd Group in 2015 as a summer intern while attending Rutgers University, later advancing to a full-time role. In 2023, he completed Merrill's Financial Advisor training program, further establishing his professional expertise. Daniel focuses on providing comprehensive wealth management strategies for high-net-worth individuals and families. His work emphasizes retirement planning, portfolio planning, family wealth management strategies, legacy planning, and managing new wealth. Drawing on a relationship-driven approach, he collaborates closely with clients to simplify complex financial decisions and align investment strategies with long-term objectives. Raised in the Shrewsbury and Red Bank area and a resident of Red Bank, NJ, Daniel holds a bachelor's degree from Rutgers University. He has earned professional designations including Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). Outside of work, he enjoys golfing, cooking, traveling, and spending time at the beach with friends and family. Daniel is also involved in his community through memberships with the Monmouth Beach Fire Company and the Red Bank Elks.

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 credentials and 15 years of industry experience. His prior work includes roles at Avantax Advisory Services and Advisor Group, among others. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients, including individuals, retirement plans, and institutional accounts. The firm offers diversified portfolio management and financial planning through a multi-manager platform with access to both affiliated and third-party managers.

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 credentials and bringing 30 years of industry experience. His career includes positions at Prudential Insurance Company of America, Wells Fargo & Co., and several advisory firms. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products via an integrated platform.

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 with Merrill, holding Series 63 and Series 66 licenses and two years of industry experience. His prior work includes roles at Bank of America, JPMorgan Chase, TD Bank, Amazon, and Credit Agricole Egypt. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Brent Mctaggart is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63 and Series 65 registrations and has worked within various Wells Fargo entities since 2009. Outside of his primary advisory role, he owns and operates BMM Wealth Management Corp and BMctaggert GP, LLC, which are investment-related businesses. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and fee-based financial planning services. The firm offers tailored recommendations through comprehensive planning tools and integrates advisory services with other 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 and has worked at LPL Financial since 2018. Prior to that, he was affiliated with Cadaret, Grant & Co., Inc. and Wellesley Financial Planners, where he also provides tax preparation and accounting services. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services with a range of portfolio management and research capabilities.

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.

Richard Tighe Jr. is a financial advisor with LPL Enterprise, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Wells Fargo Advisors, and the New Jersey Economic Development Authority. He also has experience in public service with the Township of Hamilton. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, and institutions through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a variety of brokerage and insurance products, supported by an integrated platform that combines advisor programs with other financial services.

Timothy Dean is a financial advisor at OSAIC with 11 years of industry experience. He holds a Series 66 designation and has worked previously at Lincoln Financial Advisors and JP Morgan Securities LLC. He is also involved as an insurance agent offering traditional life insurance, fixed annuities, and fixed indexed annuities. OSAIC serves a diverse group of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services, including financial planning and retirement plan consulting. The firm utilizes a variety of portfolio construction tools and supports multiple advisory platforms with access to third-party money managers.

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 two years of industry experience. He holds the Series 66 designation and has worked at several firms, including 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 nationwide 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 extensive research and a range of financial products.