Michael Hirsch is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has worked at LPL Enterprise since 2024 and has a background with Vincent Hirsch Financial Services, Prudential Insurance Company of America, and Pruco Securities, LLC. Hirsch serves as a Commissioner on the Monmouth County Tax Board. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm utilizes a model-driven investment approach and offers financial planning, access to third-party asset managers, and a wrap program through its network of investment adviser representatives.

Logan Murphy is a Series 66-credentialed financial advisor with two years of industry experience, currently serving at Raymond James Financial. His prior experience includes roles at OSAIC Wealth, Inc. and Northwestern Mutual. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional clients. The firm employs a non-discretionary approach tailored to client goals using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Geoffrey Dietzel is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked at Brunswick Financial Group LLC since 2003 and was previously associated with Pruco Securities, LLC from 2003 to 2024. He is involved with The Garback Agency as an associate producer and serves as director and owner of Brunswick Financial Group, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to financial planning, third-party asset managers, and insurance products through affiliated entities.

Ian Ruderman is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory work, Ruderman is involved in several ventures including ownership of a whisky event company, participation as a partner in a distillery, and serving as president of a college alumni board. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved software tools to analyze client goals and provides ongoing, collaborative financial planning engagements.

Erick Simonds is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing and PNC Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with advanced research and operational tools.

Sean Roche is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and possessing 29 years of industry experience. His prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, Santander Bank, Wells Fargo Clearing, PNC Wealth Management, and Banc of America Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, with a focus on flexible investment strategies implemented by a large network of investment adviser representatives.

Debra Fournier is a CFP® with 32 years of industry experience, currently affiliated with LPL Financial. Her career includes roles at Seaview Wealth Management, LLC, Harbor Lights Financial Group, Inc., and Citigroup Global Markets. She is involved with the Association of Divorce Financial Planners and the Institute for Divorce Financial Analysts and owns a business called Fiscal Fitness for Women. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset managers, supported by a large network of investment adviser representatives.

Sarah Ratty is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses. She has six years of industry experience and has been with Morgan Stanley and its Private Bank division since 2017. Prior to her advisory role, she worked at Middlesex County College from 2014 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Richard Curley is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 44 years of industry experience. His prior firms include Cambridge Investment Research Advisors, Kenilworth Asset Management, Chicago Investment Group, and Ryan Beck & Co. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a variety of financial planning and investment management solutions, including model portfolios and institutional platforms.

Joseph Bonacci is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS Financial Services from 2009 to 2023 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2023. 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 structured discovery processes and firm-approved planning tools.

Ronald White is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at IC Advisory Services Inc, The Investment Center Inc, Wells Fargo Clearing, and Banc of America Investment Services, Inc. Outside of his advisory work, he is involved in businesses including pest control and fireplace services. 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 wide range of advisory services, including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Richard Salerno is a financial advisor with Stifel, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior roles include positions at Wells Fargo Clearing and multiple divisions of Morgan Stanley throughout a 13-year span. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and probabilistic modeling developed by its Investment Strategy Group.

John Vogelzang is a financial advisor with Cambridge Investment Research Advisors. He holds a Series 66 designation and has nine years of industry experience. His prior roles include positions at Advisory Services Network, Purshe Kaplan Sterling Investments, Charles Schwab & Co., and Computershare. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs across multiple platforms and custodians.

Steven Kochenour is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving 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 income sources and tax-aware withdrawal strategies.

Nicole Andres is a Private Wealth Manager at Merrill Private Wealth Management, where she leads a team dedicated to providing customized wealth strategies to clients. Her role involves designing bespoke portfolios that integrate clients' goals, risk tolerance, time horizon, and income needs into personalized strategies. She works closely with high-net-worth individuals and families to help them navigate complex financial decisions, addressing a wide range of needs including education planning, family wealth management, legacy planning, liquidity management, and tax minimization. Before joining Merrill, Nicole served as a Director with Credit Suisse Private Bank for fifteen years and spent nine years in the Private Client Services division of Donaldson Lufkin & Jenrette prior to its acquisition. She began her financial services career in 1990 at First Manhattan Company in the Research Division. Nicole holds a bachelor's degree from Vassar College and has completed graduate coursework at Fordham University's Gabelli School of Business. She has earned recognition, including being named one of Barron's Top 100 Women Financial Advisors from 2007 to 2015. Nicole is involved in community organizations such as the University of Dayton Parent Leadership Council. Outside of her professional work, she enjoys cooking, running, spending time with her family, and traveling.

Nicholas Columbo is a Series 66-licensed financial advisor with 19 years of industry experience. He is currently with Morgan Stanley, where he has worked since 2026, following a 17-year tenure at Merrill. Outside of his advisory role, he serves as a board member for the Toms River Basketball Association, a charitable organization, where he helps oversee operations and coordinates teams and coaches. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through various financial planning and investment strategies.

Christopher King is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Steven Fuerbacher is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at Santander Securities, LLC and Santander Bank, NA, where he worked for a combined 14 years. Outside of advisory work, he is a member and manager of Next Level Financial LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing a broad platform that supports both discretionary and non-discretionary investment strategies.

David Palladino is a financial advisor at Stifel with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America and Merrill Lynch Pierce Fenner & Smith Inc. since 2003. Stifel serves a wide range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services with an investment approach based on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Perry Weyser is a CFP®-certified financial advisor with 27 years of industry experience, currently practicing at Cetera. He previously spent significant time at Avantax Investment Services, Inc., and Avantax Insurance Agency, LLC. Outside of advising, he is a partner at Goode & Weyser, CPA, LLC, where he prepares individual and business tax returns, and serves as a referral partner for Merchant Advocate, helping small business clients review credit card processing expenses. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that incorporates affiliated and third-party managers across multiple program structures.