Christopher Faust is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has been with Equitable Advisors since 2012 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, 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 that includes client intake processes to document goals and risk tolerance, offering both advisory and brokerage/insurance channels to implement recommendations.

Richard Tedeschi is a CFP® professional with 30 years of experience in the financial services industry. He is currently with OSAIC and has prior experience at Securities America Advisors and Securities America, Inc. He also operates an estate planning and administration law practice and manages a tax preparation business. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services with a range of portfolio management tools and third-party investment solutions.

Ellen Vetromile is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2018, she worked at Wells Fargo Clearing and Credit Suisse Securities (USA) LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market modeling techniques.

Paul Massaro is a Series 66-licensed financial advisor with Morgan Stanley in Toms River, NJ, with 10 years of industry experience. He has worked at Morgan Stanley since 2019 and previously spent nine years at Merrill Lynch Pierce Fenner & Smith. 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 and utilizes a structured financial planning process supported by firm-approved tools and market simulations.

Joseph Zaccardo is a financial advisor with Ameriprise in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he serves on the Monmouth County Executive Committee and coaches private boxing lessons at the Middletown Boxing Club. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice, emphasizing assets managed within Ameriprise accounts and using algorithmic tools overseen by a dedicated committee.

Michael Lomet is a Series 66-licensed financial advisor with Cetera, based in Manasquan, NJ, and has two years of industry experience. His prior work includes roles at LPL Enterprise, The Prudential Insurance Company of America, Pruco Securities LLC, and Bank of America. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Melissa Lannon is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2011. In her role, she partners with high-net-worth clients and their families to build, manage, and preserve wealth. She leverages over 25 years of industry experience to provide guidance in investment strategies, retirement planning, income protection, long-term care, and tax-efficient investing. Prior to joining Fidelity Investments, Melissa held several positions in the financial services industry, including Vice President and Regional Manager at J.P. Morgan Asset Management from 2003 to 2010, Financial Advisor at Edward Jones Investments from 2002 to 2003, and Internal Wholesaler at Lord Abbett from 2000 to 2002. Outside of her professional work, Melissa enjoys gardening, outdoor adventures, and snowboarding.

Robert Powell is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Prior to that, he held roles at Bank of America, Merrill, and Santander Securities. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model. The firm integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Brent Mctaggart is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63 and Series 65 registrations and has worked within various Wells Fargo entities since 2009. Outside of his primary advisory role, he owns and operates BMM Wealth Management Corp and BMctaggert GP, LLC, which are investment-related businesses. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and fee-based financial planning services. The firm offers tailored recommendations through comprehensive planning tools and integrates advisory services with other financial products and referral channels.

Amy Weston is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2015. 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 comprehensive tools and analytics, managing approximately $2.74 trillion in client assets.

Michael Szotak is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2018. Prior to that, he was affiliated with Cadaret, Grant & Co., Inc. and Wellesley Financial Planners, where he also provides tax preparation and accounting services. 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 investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with a range of portfolio management and research capabilities.

James Gates Jr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with AXA Advisors, LLC. Outside of his advisory role, he serves on the Bay Head Township Council, participates in his local parish finance council, and acts as treasurer for the Regular Republican Organization of Bay Head. 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 advisory and brokerage channels tailored to client goals and risk tolerance.

Lori Ann Simon is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2017, including a current role at Morgan Stanley Private Bank, National Association since 2018. Her prior experience includes a one-year tenure at Northwestern Mutual. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm employs a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

John Whitmore is a Series 65-licensed financial advisor at Edelman Financial Engines with one year of experience at the firm. Prior to joining Edelman, he worked at Peachtree Capital Group for one year and has been involved in the pizza business for several years, including ownership of Luigi's Famous Pizza. Edelman Financial Engines provides technology-enabled investment advisory services primarily focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and serves a large client base through a combination of advisor-led and online platforms.

Timothy Dean is a financial advisor at OSAIC with 11 years of industry experience. He holds a Series 66 designation and has worked previously at Lincoln Financial Advisors and JP Morgan Securities LLC. He is also involved as an insurance agent offering traditional life insurance, fixed annuities, and fixed indexed annuities. OSAIC serves a diverse group of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services, including financial planning and retirement plan consulting. The firm utilizes a variety of portfolio construction tools and supports multiple advisory platforms with access to third-party money managers.

Aaron Niederman is a CFP® professional with 21 years of industry experience, currently affiliated with Cetera. His career includes roles at Securian Financial Services, Mid Atlantic Resource Group, and MargFinancial. He serves as a volunteer firefighter for the Freehold Fire Department and holds a board trustee position at the Independence Square Condo Association. Cetera Investment Advisers LLC provides investment advisory services through a nationwide network of independent advisors, serving individual, corporate, retirement plan, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Edward Garrigal Jr. is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds the Series 66 designation and has worked at several firms, including Cetera, CETERA Financial Specialists LLC, and B. Riley Wealth Management. Outside of finance, he has worked as a bartender at Eventide Grille since 2015. Wells Fargo Advisors is a nationwide 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 supported by extensive research and a range of financial products.

Gary Hager is a CFP® with 35 years of industry experience, currently associated with Osaic since 2025. He previously worked at Lincoln Financial Advisors Corporation for eight years and spent thirteen years with Summit Financial Resources, Inc. and Summit Equities, Inc. He is involved in insurance sales through his ownership and agent roles at Integrated Wealth Management Co., LLC. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and nonprofit investors through a broad network of financial advisers. The firm offers integrated brokerage and advisory services, utilizing various platforms and third-party managers to construct portfolios across multiple asset classes with tailored risk management and investment restrictions.

Lori Krikorian is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is involved in renting a personal property during the summer months. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Henry Frenzel III is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Stifel since 2014. His tenure includes work with STiFEL NICOLAUS & CO INC. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation, retirement, insurance, and estate planning analyses.