Joseph Higgins is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Ameriprise since 2016 in various capacities. Outside of his advisory role, he serves as Treasurer on the Board of Directors for the Shark River Surf Anglers in Spring Lake, NJ. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides retirement planning advice focused on income sources and tax-aware withdrawal strategies. The firm utilizes proprietary research and third-party data to deliver customized recommendations within a defined investment framework.

Michael Remey is a Wealth Management Advisor with Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional who specializes in tailoring investment and advanced planning strategies to help clients achieve their life goals and objectives in business and retirement. Michael focuses on clients’ needs throughout both the accumulation and distribution phases of retirement, developing financial strategies that align with their individual circumstances. His areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, individual and corporate investment strategy, and tax minimization. Michael holds a bachelor's degree from Colgate University, where he concentrated in economics and studied abroad in Russia. He also holds the designations Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). Outside of his professional work, Michael is involved in his community as a soccer coach with the Middletown Soccer Club. He enjoys golfing, skiing, hiking, ice hockey, running, tennis, and spending time with his family. Michael and his wife, Aimee, live in Rumson, NJ, with their three children.

Patrick Preston is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has developed expertise in creating personalized financial strategies that address the complex needs of individuals, families, and businesses. Patrick emphasizes a client-centered approach, aligning his services with the principle that "the client's needs come first." He collaborates with a team of specialists and coordinates with clients' attorneys and accountants to integrate investment management with tax minimization, wealth transfer, and estate planning. Patrick joined Merrill Lynch Wealth Management in 1991 after earning his bachelor's degree from the University of North Carolina at Greensboro, where he was a student-athlete on the men’s soccer team. He was promoted to Resident Director of the Freehold office in recognition of his client commitment and service delivery. Patrick holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Freehold with his three children, Patrick actively contributes to the community through board memberships and volunteer work with organizations such as the YMCA of Western Monmouth, Graeme Preston Foundation for Life, Freehold Soccer League, and the Lake Topanemus Park Commission. His personal interests include gardening, golfing, traveling, and spending time with his family.

James Figurelli is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 license and one year of industry experience. His prior work includes roles outside finance, such as positions at Tac Ops Laser Tag and Spring Brook Country Club. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to client goals and risk tolerance.

Theodore Fiolek III is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 36 years of industry experience. He has held roles at LPL Financial since 2025 and previously worked with IC Advisory Services Inc and The Investment Center, Inc. Outside of advising, he operates a tax and financial services sole proprietorship and is a self-published author of a novel. 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 representatives. The firm offers a range of advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Eric Eng is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2018. He focuses on developing strong client relationships by understanding clients' personal perspectives and priorities to create tailored financial strategies. Eric works to help clients pursue goals such as retirement planning, funding education, managing wealth transfers, and addressing potential health care costs. His approach emphasizes regular communication and adjustments to strategies, aiming to bring clarity and simplicity to complex financial planning. Eric’s expertise includes corporate executive services, divorce transition planning, employee benefits planning, executive compensation, and portfolio management services, among other areas. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Eric graduated from Rutgers University with a bachelor’s degree in economics. He lives in Mountain Lakes, New Jersey with his wife and two sons. Outside of work, Eric participates in community volunteering and enjoys personal interests such as biking, camping, chess, cooking, fishing, football, golfing, photography, and volleyball.

Diego Jimenez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has worked with JPMorgan Chase Bank, NA since 2009 and with J.P. Morgan Securities since 2012. 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. The firm delivers these advisory services alongside affiliated brokerage and investment management capabilities, operating on a non-discretionary basis where clients retain final decision authority.

James Dellavecchia is a financial advisor with Equitable Advisors in Cranford, NJ, holding Series 65 and Series 63 licenses and bringing 21 years of industry experience. Prior to joining Equitable Advisors in 2023, he worked for nine years at LPL Financial. He serves as president of the Cranford Business Alliance. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates primarily through LPL-sponsored programs and endorsed third-party managers, with a regulatory asset base managed across discretionary and non-discretionary platforms.

Jean Chong Chung is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2014. Outside of her advisory role, Chung is a general partner at Golden SpyRal, LLC, an online retailer selling products on Amazon and eBay. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Anis Jelassi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 15 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, NA since 2010. 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. The firm delivers its program on a non-discretionary basis and integrates institutional advisory operations with brokerage and investment management capabilities.

Dennis Kaffel is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 56 years of industry experience. His prior work includes long-term roles at Brill Securities, Inc. and Western International Securities, Inc. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through its extensive network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services with both discretionary and non-discretionary management, supported by proprietary and third-party research.

Joseph Dandola is a financial advisor at Equitable Advisors with eight years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Equitable Advisors since 2017, previously associated with Axa Advisors and Rich Planning Group. Outside of advising, he is involved in Madison Travel as an outside agent for travel bookings. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, brokerage, insurance, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, relying on LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Jennifer Noone is a Senior Financial Advisor with The Noone Group at Merrill Lynch Wealth Management. In her role, she focuses on managing client relationships and acquiring new clients. Jennifer emphasizes the importance of building strong relationships with clients based on understanding, clear communication, and mutual respect. Her passion for financial planning is influenced by a family connection to wealth management, and she is motivated by helping individuals and families achieve their financial goals through goals-based wealth management. Jennifer holds a Bachelor of Arts degree in Psychology and Mathematics, as well as an MBA in Entrepreneurship, both from Syracuse University. She holds FINRA Series 7, 63, and 66 registrations, is licensed in life insurance, and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is actively involved in community service, volunteering with the American Cancer Society and the Boomer Esiason Foundation. Jennifer has chaired and co-chaired the Monmouth County Cancer Ball, New Jersey's largest charitable black tie event for the American Cancer Society, and has been recognized as an honoree at the American Cancer Society Jersey Shore Golf Classic. Her work in the community reflects the Merrill tradition of service to the communities they serve.

Albert Sidhom is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 credentials and 22 years of industry experience. Prior to joining Ameriprise in 2024, he worked at IC Advisory Services Inc. and The Investment Center Inc. for eight years each and managed Sidhom Investment and Asset Management for 17 years. Outside of advising, he owns Sidhom Accounting & Tax Consulting and serves as Treasurer on the board of Bay View New York Bay Cemetery. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that delivers written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Gerald Reiss is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 30 years of industry experience. He has been with Cetera since 2007 and operates a CPA firm providing audits, financial statements, accounting, and tax services to individuals and businesses. In addition to his advisory work, he offers individual life insurance unrelated to investments. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with diverse investment program options.

Michael Noone Jr. is a financial advisor at Merrill with 17 years of industry experience and holds a Series 66 designation. His work history includes roles at Morgan Stanley and its Private Bank, as well as Bank of America. No additional outside activities were noted. Merrill 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, and institutional investors.

Jennifer Lumsden is a Series 66 licensed advisor with Ameriprise Financial Services, LLC, based in Red Bank, NJ. She has 18 years of industry experience, including six years with Ameriprise Financial Services, LLC and four years with Ameriprise Financial Services, Inc. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Melinda Bini is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 28 years of industry experience. Her prior experience includes roles at Bank of America and Merrill from 2016 to 2024, and Northfield Bank since 2024. Outside of her advisory work, she is involved with Northfield Investment Services as an investment representative. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party research, and technology-driven strategies.

Daniel Krause is a financial advisor at LPL Enterprise with five years of industry experience. He holds the Series 66 designation and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he operates a business under the name Daniel Krause Design. 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 portfolios, third-party asset management, and a range of brokerage and insurance products supported by its integrated platform.

Derek Swanner is a financial advisor with Ameriprise in Little Silver, NJ, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered by a centralized consulting team, with an emphasis on assets held in Ameriprise Managed Accounts and a range of advisory, brokerage, and insurance solutions.