Richard Gubitosi is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Prior to his financial services career, he was involved with Luigi's Famous Pizza & Restaurant. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 utilizes firm-approved planning tools and structured processes in its financial planning services.

Jeffrey Vogel is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related products and bank deposit sweep options.

Jonathan Curatola is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Red Bank, NJ. He focuses on delivering personalized wealth management strategies that align with his clients' financial goals. Utilizing the investment resources of Merrill and the banking solutions of Bank of America, he aims to provide comprehensive advice and guidance for various financial needs. Jonathan's expertise includes college education planning, family wealth management, liquidity management, retirement planning, and tax minimization, among other areas. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned both his Bachelor's and Master's degrees from Saint John's University. In addition to his professional commitments, Jonathan participates in community volunteer activities, reflecting the Merrill tradition of community involvement. His personal interests include boating, cooking, football, golfing, and spending time with his family.

Michael Diaco is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 25 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

James Holman is a financial advisor at Merrill with a Series 66 designation and experience totaling eight years at Merrill Lynch, Pierce, Fenner & Smith Inc., supplemented by prior roles at Wells Fargo Bank N.A. and Bank of America. He also has a 15-year history teaching at Ocean County College. Outside of his advisory work, he manages a rental property in Toms River, NJ. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers a variety of model-based and discretionary investment strategies integrated with Bank of America's broader platform.

Minjie Jiang is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, Minjie works closely with clients to understand their priorities and develop personalized investment strategies aimed at pursuing their financial goals. Minjie provides guidance on a range of financial matters, including general investing, retirement planning, and saving for unforeseen events, and facilitates access to banking and lending services through Bank of America. Minjie holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Minjie earned a Bachelor's Degree from the University at Buffalo. Fluent in English, Mandarin, and Chinese, Minjie emphasizes building strong client relationships through attentive listening and ongoing advice as clients’ needs evolve.

Tara Mundorff is a financial advisor with UBS Financial Services in Red Bank, NJ, holding a Series 66 designation and 15 years of industry experience. She has been with UBS since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad range of capital markets activities.

Dominic Lopiccolo is a CFP® and ChFC® with 39 years of industry experience, currently serving with Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Dominic volunteers with the CFP Board, providing financial planning education to low-income individuals. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and customized investment strategies.

Robert Romano is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at UBS Financial Services Inc. for nine years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Thomas Musumeci is a financial advisor at LPL Financial with 31 years of industry experience. He has held roles at Royal Alliance Associates from 2006 to 2024 before joining LPL Financial. Musumeci holds Series 63 and Series 66 credentials. 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 a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party providers.

Donald Witkowski is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Merrill Lynch Pierce Fenner & Smith, among others. He serves as an advisory board member for the University of Delaware. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Beth Meszaros is a financial advisor with Cetera, holding a Series 66 credential and bringing 16 years of industry experience. She also serves as Marketing Director at Meszaros & Co. CPA, LLC, a CPA firm, and is involved in managing two small businesses selling handmade knitted goods and needlepoint supplies. Additionally, she works as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of program structures, serving over 800,000 clients and managing more than $256 billion in assets.

Rivka Kaplan is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012, also working at JPMorgan Chase Bank since 2004. J.P. Morgan Securities LLC 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 affiliated brokerage and investment management capabilities.

Cynthia De Laski is a financial advisor at UBS Financial Services with 43 years of industry experience. She has been with UBS since 1992 and holds Series 63 and Series 66 designations. 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 delivers advisory work using proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Brian Moriarty is a financial advisor at OSAIC with 23 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Advisors, Bank of America, N.A., and Merrill. In addition to his advisory role, Moriarty is involved in general insurance sales through Evergreen Financial Group, LLC. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and investment advisory services across multiple platforms. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, providing access to third-party money managers and wrap programs.

Timothy O'Brien is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He holds Series 63 and Series 65 registrations and has worked in various Wells Fargo entities since 2015. He is the owner of O'Brien Asset Management, an investment-related business. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning solutions and integrating advisory services with other financial product offerings.

Scott Codacovi is a financial advisor with Ameriprise in Matawan, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, he is involved in independent insurance brokering with multiple companies. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Mario Califano is a financial advisor with Cetera who holds a Series 63 designation and has 29 years of industry experience. He has been with Cetera and its affiliates since 2005 and also owns Califano Financial Services Corp, where he provides accounting and tax services. Califano serves as president and treasurer of multiple holding companies managing investments and acts as executor for a family estate. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of investment advisory services to individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform allowing advisors to utilize model portfolios, third-party managers, or bespoke strategies, managing over $256 billion in assets through a network of more than 10,000 advisors.

Kelly Schulz is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has been with Merrill since 2012. Schulz serves on the board of trustees for the Monmouth Beach Bath and Tennis Club, where she assists with upkeep and activity coordination. Merrill provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Kyle Abbot is a financial advisor at Edward Jones with 14 years of industry experience. He previously worked at Santander Securities, LLC and Merrill. He holds Series 63 and Series 65 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.