Ava Brown is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2025. She has been with Fidelity Investments since 2017, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Ava is focused on working closely with clients to develop and implement financial strategies utilizing Fidelity Investment's resources to achieve their goals. Her professional experience spans several years within Fidelity Investments, where she has developed expertise in financial consulting and investment advisory services. Ava emphasizes attentive listening and collaboration in her approach to client financial well-being. Outside of her professional role, Ava's personal interests include cooking and baking, family activities, fitness, gardening, reading, and skiing.

David Ferrell is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 66 licenses and 37 years of industry experience. His work history includes roles at Ameriprise Financial Services, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory role, he operates Gladstone Wealth Group, a business affiliated with his LPL practice. 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, model portfolios, third-party asset management, and institutional platforms, supported by technology tools that aid advisors but do not directly make investment decisions.

Justin Lotano is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. His prior experience includes roles at Wells Fargo Advisors, Wells Fargo Clearing, and Ameriprise. He is also an author with ongoing writing activities outside of his advisory work. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a range of advisory strategies and advanced operational tools.

Gregory Bahary is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2007. Prior to his advisory role, he has been involved as president and consultant of Gossip Records Inc., a record label and music publishing business. Edward Jones is a wealth management firm serving individual and institutional clients with a range of advisory services, including discretionary and non-discretionary strategies, managed accounts, and affiliated mutual funds. The firm has a large national presence with over 23,000 advisors and provides additional capabilities such as trust services and securities-based lending.

Gabriel Simon is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He has been with Wells Fargo in various capacities since 2010. Outside of his advisory role, he holds a 90% ownership interest in a merchant partnership, GSIMON GP, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions with investment and fee-based financial planning services. The firm offers a broad range of planning options and integrates advisory services with other financial products and referral channels.

Jeffrey Kotch is a CFP® and PFS™ with 25 years of industry experience, currently serving at Cetera. He previously worked at Avantax Advisory Services and Avantax Investment Services, and has been associated with Pierson & Oujo for over two decades. In addition to his financial advisory work, he is a sole-practitioner CPA providing accounting and tax services to individuals and businesses. Cetera Investment Advisers LLC is a nationwide SEC-registered firm supporting over 10,000 advisors and approximately 800,000 clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers as well as customizable investment strategies.

Elizabeth Punzi is a Series 66-licensed financial advisor with Morgan Stanley in Red Bank, NJ, bringing 17 years of industry experience. She has been with Morgan Stanley since 2013, including roles at Morgan Stanley Private Bank, N.A. since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs. The firm offers tailored financial planning and utilizes firm-approved tools and models to support client strategies.

Thomas Mc Dermott is a CFP® with six years of industry experience, currently affiliated with Cetera. He has held roles at multiple firms including Avantax and Prudential Advisors. Outside of his advisory duties, he assists with bookkeeping and tax return preparation at MP McDermott & Associates and supports client communications at Zonin Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporations, charities, and institutions. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various discretionary and non-discretionary investment programs.

Anthony Xerri is a financial advisor at Wells Fargo Advisors with one year of industry experience. He has been self-employed as a musician and content creator since 2011, writing, recording, and performing music alongside his advisory role. Wells Fargo Advisors is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services with tailored recommendations supported by Wells Fargo research and planning tools.

Samuel Di Gaetano is a financial advisor with Mass Mutual Investors Services in Wall Township, NJ, holding Series 63 and Series 65 credentials and nine years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Insurance Company since 2017. Outside of his advisory role, he is involved in multiple insurance brokerage activities and engages in energy services referrals for a client’s business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, wrap and money-manager programs, and educational seminars, structuring engagements as annual collaborative relationships using firm-approved analytical tools.

David Krietzberg is a financial advisor with LPL Financial in Lincroft, NJ, holding the Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior experience includes nearly two decades at Lincoln Financial Advisors Corp and three years at Morgan Stanley DW Inc. He also serves as an instructor with the Financial Educators Network. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions, utilizing multiple strategies and technology tools for advisor support.

Wayne Londregan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory work, he owns and operates a photography business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets and employing over 14,000 advisors.

Adam Potulski is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds the Series 66 designation and has previously worked at Ameriprise Financial Services Inc and PNC Financial Services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-oriented planning using firm-approved tools and offers a range of event-driven planning programs.

Rob Sim is Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2018. He partners with clients to educate, develop, and manage plans aimed at assisting them in working toward their financial goals, emphasizing the importance of understanding each client's unique concerns and issues before creating a strategy. Rob has over a decade of professional experience in financial planning and advisory roles. Prior to his current role, he served as Financial Consultant and Investment Consultant at Fidelity Investments from 2012 to 2018. His earlier positions include Financial Adviser at Benjamin F. Edwards from 2011 to 2012 and Financial Planner at Diversified Financial Consultants from 2006 to 2010.

Nicholas Glensor is a financial advisor with Merrill in Hazlet, NJ, holding Series 66 and Series 63 licenses and seven years of industry experience. He has been with Merrill since 2018 and previously worked at Rowan University from 2014 to 2018. 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.

Gillian Archer is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019, with prior experience at Bank of America and Monmouth Medical Center. Outside of her advisory role, she owns an online retail store based in Asbury Park, New Jersey. 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 plans, corporations, and charitable organizations.

Brian Moore is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill and Bank of America, N.A. since 2013. He is based in Red Bank, New Jersey. Merrill serves a diverse client base including individuals, retirement plans, corporations, charities, and institutional clients. The firm offers a range of investment management programs, featuring discretionary portfolio management and third-party manager selection, supported by oversight from its Chief Investment Office and integrated with Bank of America's broader banking and capital markets platform.

Stewart Ritter is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked across various Wells Fargo entities since 2009. Outside of his advisory work, he conducts fitness and aerobics classes at the Westfield YMCA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting a net-worth threshold, using proprietary research and tools to develop recommendations delivered through meetings and written summaries.

Christopher Parmer is a financial advisor with Morgan Stanley, holding a Series 66 designation and over 23 years of industry experience. He has been with Morgan Stanley since 2013 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Thomas Vastardis is a financial advisor at Cetera with 28 years of industry experience. He holds the Series 63 designation and has worked at Avantax Investment Services, Inc. for 27 years before joining Cetera in 2025. In addition to his advisory work, he provides income tax preparation and accounting services through his business, Thomas Vastardis & Associates. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party investment options.