Howard Orlick is a financial advisor at Raymond James Financial with 23 years of industry experience and holds a Series 66 designation. He has been with Raymond James Financial or its affiliates since 2002 and is also a partner at Orlick & Co., LLP, where he manages operations, client relations, and risk management. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting for a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary advisory services supported by analytical tools and also maintains specialized programs in municipal finance and employer-sponsored retirement plans.

Cole Jaeger is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial in 2025, he worked at multiple firms including Rolla and 929 Media. Outside of his advisory work, he is a content creator for The Oscar Expert, a YouTube channel he has managed since 2018. 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 advisory and brokerage services with a broad platform that includes financial planning, third-party asset management, and institutional programs.

Stuart Sakosits is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 51 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Payosha Gause is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Cetera in 2024, she worked at Newbridge Securities Corporation and owns Tax Remedy Hub, a tax preparation and planning business. She also owns Jetsetters Unlimited LLC, a travel planning service, and serves as the NYC Metro chapter representative for the New York State Society of Enrolled Agents. Cetera is an SEC-registered adviser serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management programs, third-party manager access, and integrated financial planning services.

Thomas Sacharanski is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo entities since 2013. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Adam Bogan is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 26 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting through a team of Wealth Advisors, combining large institutional advisory operations with multiple market-facing registrations and functions.

George Moss III is a financial advisor with Merrill in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 44 years of industry experience. He has been with Merrill since 1988 and with Bank of America since 2009. Outside of his advisory role, he serves as an officer for the George H Moss Jr Mary Alice Moss Foundation, a nonprofit organization supporting various charities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with both model-based and discretionary investment strategies.

Vincent Hirsch is a Series 65-registered financial advisor with over 56 years of industry experience. He is currently with LPL Enterprise, where he has worked since 2024, and previously spent 42 years at Pruco Securities, LLC. Outside of his advisory role, Hirsch is involved in insurance sales through Hirsch Bros. Advisors LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in a wrap program.

Richard Donovan is a financial advisor at Morgan Stanley with six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2019 and previously spent seven years at American International Group, Inc. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through employer arrangements.

Andrew Rutner is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Northwestern Mutual, Truist Financial Corp, American Heritage Federal Credit Union, and Firstrust Bank. LPL Enterprise provides investment advisory and brokerage services to a varied client base, including individual investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and affiliated insurance and trust services.

Jyoti Thawani is a financial advisor at Morgan Stanley in Red Bank, NJ, holding a Series 66 designation with nine years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Sean Brennan is a financial advisor at Morgan Stanley with 24 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. He holds Series 63 and Series 66 designations and is based in Red Bank, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs. The firm emphasizes tailored financial planning and utilizes structured discovery processes and firm-approved tools to support client outcomes.

Chris Whalen is a financial advisor with OSAIC Wealth, Inc., holding Series 63 and Series 65 credentials and 27 years of industry experience. His career includes roles at Cantor Fitzgerald & Co., Maxim Group LLC, Liquidnet, Inc., Evermay Wealth Management, and Whalen Research & Trading. He is currently based in Colts Neck, NJ. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a wide network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with access to third-party managers, employing asset-allocation tools and automated rebalancing to construct portfolios across multiple asset classes.

Timothy Donnelly is a financial advisor at UBS Financial Services with 44 years of industry experience. He has been with UBS since 1999 and holds Series 63 and Series 65 credentials. Outside of his advisory role, he serves as President and a board member of the Wildwood Golf and Country Club and participates on the board of Shore Club LLC, a golf course and clubhouse partnership. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and access to proprietary research to tailor client investment strategies.

Michael Manheim is a financial advisor at Wells Fargo Clearing with 51 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

Jeffrey Kroll is a financial advisor with Wells Fargo Clearing, holding 56 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Gary Clawson is a Senior Financial Advisor and Vice President affiliated with Merrill Lynch Wealth Management in the Toms River office. He leads the Stizza Clawson Group, which focuses on providing a comprehensive advisory experience tailored to affluent individuals and corporations. His team emphasizes thoughtful, tax-sensitive investment guidance designed to support clients’ lifestyles, retirement income needs, and legacy objectives through a disciplined, transparent process. Gary’s expertise spans multiple client focus areas including college education planning, family wealth management strategies, employee financial health, legacy planning, liquidity management, managing new wealth, personal retirement planning, socially responsible and values-based investing, tax minimization, and retirement income strategies. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Gary earned both his bachelor’s degree and MBA in Strategic Management from Rutgers University and the Rutgers Graduate School of Management. Raised in Ocean County near the shore, Gary currently resides in Old Bridge with his wife, Tracey, and their two children. He is passionate about education, helping others, and financial planning. Outside of his professional role, Gary enjoys outdoor activities, exercise, and spending time with his family.

Stuart Schlesinger is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His career includes long tenures at Securian Financial Services and Mid Atlantic Benefit Strategies. He is also co-owner of a holding company, 1800 Equity Partners LLC. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions, offering a range of portfolio management and consulting services through a nationwide network of independent advisors.

Connie Joyce is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2005. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and various analytical tools, focusing on advisory services without providing individual security recommendations as part of standalone financial plans.

Karen Cardenas is a financial advisor at Merrill with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several major firms, including Morgan Stanley, Charles Schwab, Citigroup, and JPMorgan. 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, pension plans, corporations, and charitable organizations.