Michael Da Cruz is a financial advisor at Morgan Stanley with a Series 66 credential and no prior industry experience. His work background includes positions outside of finance, such as roles at FreeWheel, At-Bay Insurance, and Better Mortgage, as well as full-time education at NYU. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients, offering comprehensive financial planning and a range of investment programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to support its advisory services.

Sean Clark is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding a Series 66 designation and over 20 years of experience in the financial services industry. He previously worked for Advisors Mortgage Group, LLC for 22 years before joining Wells Fargo Advisors in 2025. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, utilizing proprietary research and planning tools to develop tailored recommendations for clients who meet a net-worth threshold.

Linda Gargano is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. She previously worked at BNY Mellon for 24 years before joining Cetera and also has a role as a registered administrative assistant at Frank A. Gargano, a financial services business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a variety of portfolio management and financial planning services through a nationwide network of independent advisors.

Jeffrey Tumminello is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. J.P. Morgan Securities 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 combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary advisory programs supported by in-house due diligence and ESG eligibility processes.

Marygrace Guastella is a financial advisor at RBC Capital Markets with 17 years of industry experience. She holds Series 63 and Series 66 licenses. Her career includes a lengthy tenure at RBC Capital Markets LLC and a brief period at UBS Financial Services Inc. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client’s risk profile.

Anthony Vignola is a CFP® and holds a Series 66 license, currently with Cetera, where he has worked since 2025. He has 12 years of industry experience, including a decade at Commonwealth Financial Network. In addition to his advisory role, he is a financial professional at King Financial Network, providing investment management and financial planning. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network. The firm offers a multi-manager platform with various portfolio management and financial planning options, supported by more than 10,000 advisors and over $256 billion in assets under management.

Christopher Gibardi is a financial advisor with LPL Financial holding a Series 66 designation and eight years of industry experience. His prior roles include positions at CUNA Brokerage Services, CUNA Mutual Group, Bank of America, Merrill, and Santander Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting supported by research and technology-driven strategies.

Timothy Brennan is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. Prior to joining Morgan Stanley in 2018, he worked at Jefferies LLC from 2015 to 2018. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, with a financial planning process that includes structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning and investment advisory services.

Jeff Rainess is a Financial Consultant at Fidelity Investments since 2026. He has previously worked as an Investment Consultant at Fidelity Investments from 2024 to 2026 and served as a Registered Financial Advisor at Park Avenue Securities from 2018 to 2024. Jeff focuses on empowering clients to achieve financial security by building trusted partnerships and simplifying complex financial planning, utilizing Fidelity's resources. His approach integrates his background as both a coach and an advisor, emphasizing that long-term financial success requires discipline and collaboration. Jeff's planning process is designed to provide clients with guidance at every step. He has lived in Monmouth County for over 25 years and has been married for more than 20 years, with three children. Outside of his professional responsibilities, Jeff engages in family activities and enjoys fishing, fitness, football, golf, and spending time with his pets.

Jessica Haddad is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and models.

Michael Mc Cormick is a financial advisor at Morgan Stanley with a Series 66 designation and seven years of industry experience. He has been with Morgan Stanley since 2017, including roles at Morgan Stanley Private Bank, N.A. Prior to his advisory career, he worked at Rutgers University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with comprehensive financial planning and investment services. The firm manages approximately $2.74 trillion in client assets and offers a variety of advisory programs supported by advanced planning tools and a structured discovery process.

Joseph Lupo is a financial advisor with UBS Financial Services who holds Series 63 and Series 66 credentials and has 24 years of industry experience. He worked at Credit Suisse Securities (USA) LLC for 15 years before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, leveraging proprietary capital market assumptions and research to tailor plans based on clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management and also provides custody, underwriting, and capital markets services.

Maureen Butler is a financial advisor at Morgan Stanley with 16 years of industry experience. She previously worked at LPL Financial and R.M. Stark & Co., Inc. Maureen holds the Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide 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 methodologies.

William Bertscha is a financial advisor with LPL Enterprise LLC, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. His prior roles include positions at LSEG, ICE, Oppenheimer & Co, Northwestern Mutual, Tullett Prebon Financial Services, and Tradition Securities and Derivatives. LPL Enterprise serves a diverse client base ranging from individuals and high-net-worth clients to retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model wealth portfolios and third-party asset management, combining advisory services with brokerage and insurance products on an integrated platform.

Frank Connelly is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining Wells Fargo Clearing in 2022, he worked at Morgan Stanley and Morgan Stanley Private Bank from 2014 to 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Andrew Greenberg is a financial advisor with Cetera, holding a Series 66 designation and 11 years of industry experience. His career includes roles at Cetera Advisors LLC since 2022 and prior experience at First Allied Advisory Services, Inc. and First Allied Securities Inc. He is an independent contractor with LPA Strategic Capital. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a nationwide network of advisors. The firm offers various portfolio management and consulting services and operates a multi-manager platform that provides access to affiliated and third-party managers, accommodating a range of investment program structures.

Antonio Alessandra is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley in various capacities since 2012. Alessandra is based in Red Bank, New Jersey. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a variety of retail and institutional investment services.

Tara Bitterly is a Series 66-credentialed advisor with Morgan Stanley, based in Red Bank, NJ, where she has worked since 2015, including nine years with Morgan Stanley Private Bank, N.A. She has nine years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and strategies developed by its Global Investment Committee.

Jane Vamos is a financial advisor at Merrill with 35 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2017, following an eight-year tenure at Morgan Stanley Smith Barney LLC. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated with Bank of America’s platform, enabling access to a wide range of products and services beyond typical managed accounts.

Jacob Forman is a Financial Consultant at Fidelity Investments, where he focuses on holistic financial planning for individuals and families. He works collaboratively with clients to create personalized strategies that address their unique financial goals and needs. Jacob has been with Fidelity Investments since 2018 and has held various roles including Financial Representative, Relationship Manager, Planning Consultant, and now Financial Consultant since 2022. Prior to joining Fidelity, he served as a Financial Advisor at North Star Resource Group from 2015 to 2017. He holds the Certified Financial Planner (CFP®) designation and stays informed on industry trends to provide guidance tailored to his clients' requirements.