Scott Stephen is a financial advisor with Wells Fargo Advisors, holding Series 63 and 65 licenses and bringing 31 years of industry experience. Prior to joining Wells Fargo Advisors in 2025, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2025. He is also a co-owner of STEPHEN GP, LLC, a merchant partnership based in Iselin, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and tools to develop tailored recommendations.

Daniel Ronan is a financial advisor at Wells Fargo Clearing with a Series 66 credential and four years of industry experience. His work history includes roles at Wells Fargo Bank, Pro Football Focus, and Ale House Tavern and Tap. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Aine Tomasso is a financial advisor at RBC Capital Markets with 13 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and City National Bank. Outside of her advisory role, she is the owner of a private company unrelated to investments. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services, tailoring strategies to clients’ risk profiles.

Matthew Cerbone is a financial advisor at UBS Financial Services with eight years of industry experience. He holds the Series 66 designation and previously worked at The Bank of New York Mellon from 2011 to 2017 before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and models to tailor strategies to clients’ goals and risk tolerances.

Dana Bitterly is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and its affiliate Morgan Stanley Private Bank, National Association since 2013. 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 manages approximately $2.74 trillion in client assets.

Henry Youssef is a financial advisor with Equitable Advisors in Belle Mead, NJ, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Equitable Advisors since 2012, previously associated with Axa Advisors, LLC. Outside of his advisory role, he is a partner and vice president in several non-industry businesses, including a laundromat and real estate investment ventures. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through third-party programs. The firm employs a hybrid referral and implementation model, utilizing LPL and multiple TAMPs while offering both advisory and brokerage channels to execute client recommendations.

James King Jr. is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Commonwealth Financial Network for 10 years. He is the director of wealth management at King Financial Network, a marketing DBA through which he provides investment management and financial planning services. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and retirement services and supports both discretionary and non-discretionary account structures.

Theresa Payne is a financial advisor with Merrill in East Brunswick, NJ, holding Series 63 and Series 65 licenses. She has 28 years of industry experience and has been with Merrill since 1994. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Graney is a financial advisor with LPL Enterprise holding Series 65 and Series 63 designations and 11 years of industry experience. He has worked at LPL Enterprise since 2024 and previously spent over a decade with Prudential-affiliated firms. In addition to his advisory role, he is a financial professional at Garden State Financial Agency, focusing on insurance and investment sales and service. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory and brokerage services, and access to model portfolios and third-party asset management programs through an integrated platform combining advisory programs with insurance and lending solutions.

Robert Cosentino is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 28 years of industry experience. His career includes long-term roles at First Allied Securities and First Allied Advisory Services before joining Cetera. He also serves as a trustee for COSENTINO IRRV. LIFE INS. TRUST. Cetera Investment Advisers LLC is an SEC-registered adviser that supports over 10,000 advisors nationwide, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary strategies.

Nicholas Chiarella is a financial advisor at Merrill with 8 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2013. 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 strategies for individuals, high-net-worth clients, and various organizational plans.

John Brzozowski is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill and Bank of America since 2013. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tracy Buik is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been in the financial services industry since 1985, working for several large firms before joining Merrill Lynch in 2015. Over her career, Tracy has worked with a diverse range of clients, providing her with the experience to address a wide variety of client needs. Her areas of focus include managing new wealth, portfolio management services, and tax minimization. Tracy holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma/GED from Cranford High School. Outside of her professional role, she enjoys gardening, traveling, reading, and spending time with her family.

Anthony Codispoti is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 32 years of industry experience. Prior to joining Morgan Stanley, he worked at UBS Financial Services for 11 years. Outside of finance, he is the sole proprietor and head instructor of The Phoenix Way, a martial arts facility in Shrewsbury, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services that include investment advisory, estate planning, and access to various financial products.

Jeffrey Unger is a financial advisor with LPL Financial in Staten Island, NY, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His prior roles include positions at Citizens Securities, Santander Bank and Securities, Bank of America, and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management along with research and model portfolios from multiple sources.

Philip Arnheiter is a financial advisor with LPL Financial in Red Bank, NJ, holding a Series 63 designation and bringing 41 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Capitol Securities Management from 2015 to 2019. Outside of his advisory role, he is involved in acting through Friendly Faces and operates as a charter boat captain. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide, offering a range of advisory programs, financial planning, and brokerage services supported by research and multiple management options.

Al Raia is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC, spanning from 2009 to the present. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients, offering a broad range of financial planning services tailored to clients who meet specific net-worth criteria. The firm integrates advisory services with other financial products and provides planning support using proprietary research and tools.

Samuel Harris is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and previously worked at Hornor, Townsend, & Kent LLC and within the sports and entertainment sector at Philadelphia Union - Keystone Sports and Entertainment LLC. Charles Schwab & Co., Inc. serves primarily 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Tobias Bickford is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2024. Outside of his advisory role, he serves as a board member of The Bickford Foundation, a charitable family-run organization in New Jersey. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across various investment vehicles.

Alipio Figueroa is a Branch Leader at Fidelity, a position he has held since 2023. He leads a team of financial professionals dedicated to understanding clients' goals, dreams, and aspirations, emphasizing education and clear communication to simplify complex financial topics. His approach aims to build strong relationships grounded in confidence and trust, ultimately providing clients with peace of mind and fulfillment. His professional experience spans multiple roles in the financial services industry, including Financial Consultant at Fidelity Investments from 2022 to 2023, Private Client Advisor at J.P. Morgan Chase from 2021 to 2022, Branch Manager at TD Ameritrade from 2014 to 2021, Investment Consultant at TD Ameritrade from 2009 to 2014, and Financial Advisor at Smith Barney from 2004 to 2009. Outside of his professional career, Alipio enjoys baseball, biking, fitness, golf, and snowboarding.