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.

Eric Ebisch is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds a Series 66 designation and has recently begun his career in the financial services industry. Prior to joining Equitable Advisors, his work history includes roles at Johnston & Murphy, R.I.C.H. Planning, and involvement with United Way of Passaic County. He has also been active in college athletics and student affairs at Ramapo College of New Jersey. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a network of Investment Adviser Representatives and a variety of third-party advisory programs to deliver tailored investment solutions.

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 the Series 63 and Series 65 licenses and has worked at several major firms, including Morgan Stanley, Charles Schwab, Citigroup, and JPMorgan. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ridgewell Clark is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 66 licenses and has prior experience at Morgan Stanley, Park Avenue Securities, and JPMorgan Chase Bank. Clark has also been involved with Habitat For Humanity. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Saidur Rahman is a financial advisor with LPL Financial, holding a Series 63 designation and 22 years of industry experience. He has been with LPL Financial since 2015 and concurrently holds a position at Webster Bank since 2021. Outside of his advisory role, he is involved with Paramount in a non-investment-related capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Paolo Cerri is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. His prior roles include positions at Santander Securities, LLC, Santander Bank, NA, Family First Funding, and C&J Partnership. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Michele Nielsen is a financial advisor at Fidelity with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Fidelity Investments and its affiliated entities since 2006. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is notable for its registration with the CFTC, advisory role to multiple registered funds, and use of advanced technologies such as AI in its investment process.

Howard Shallcross is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2012 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Shallcross teaches macroeconomics at Brookdale Community College. Morgan Stanley Wealth Management provides advisory programs to both individuals and institutional clients, offering tailored financial planning supported by advanced analytical tools and a wide range of investment services.

Mahul Balar is a financial advisor with Equitable Advisors in Marlboro, NJ, holding Series 63 and Series 65 designations and 19 years of industry experience. He has worked at Equitable Advisors since 2012 and previously was with Axa Advisors and Eagle Strategies. Outside of his advisory role, he participates as a member of real estate investment LLCs and spends time analyzing and investing in real estate opportunities. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory models and third-party asset managers to deliver tailored investment solutions.

Timothy Mulhern is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Wells Fargo Clearing, and Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, leveraging both proprietary research and third-party strategies.

James Gallagher is a financial advisor at Morgan Stanley with 34 years of industry experience. He has held roles at Morgan Stanley since 2013 and at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers services including structured planning tools and broad retail and institutional investment solutions.

Patricia Donelan is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 47 years of industry experience. Her prior roles include positions at Wells Fargo Advisors LLC, UBS Financial Services, and Momentum Independent Network. 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 including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gregory Kirichenko is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and three years of industry experience. His prior work includes roles at Merrill Lynch, Equitable Advisors, and JPMorgan Chase Bank. He also has experience outside finance, having worked at Jlm Couture and All American Healthcare. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Jonathan Scott is a financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. He has previously worked with Prudential Insurance Company of America, Pruco Securities LLC, and Liberty Mutual Insurance. Outside of his advisory role, he co-owns Humidor Collective Group LLC, a business focused on cigar hospitality and management. LPL Enterprise provides investment advisory and brokerage services to a diverse clientele, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through its affiliated entities.

Garrett Morrison is a Series 66-licensed financial advisor with Equitable Advisors, based in Woodbridge, NJ, and has eight years of industry experience. He has worked at Equitable Advisors since 2017 and previously at AXA Advisors for three years. Outside of advising, he manages a rental apartment in Montclair, NJ, and assists with the financial affairs of his mother. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

Jason Weinstein is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets starting in 1998. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes and firm-approved tools to develop customized financial plans.

Justin Sonta is a financial advisor with Edward Jones in Atlantic Highlands, NJ, holding Series 63 and Series 66 registrations with 21 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, he is a silent partner in several commercial real estate ventures based in Hackensack, NJ. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management, offering a range of advisory programs and affiliated investment products through a large nationwide network of advisors and branch offices.

Daniel Seitz is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Bank of America, Merrill, and Morgan Stanley. Outside of his advisory work, he serves as Vice President of CEDJR, LLC, a non-investment-related business. Wells Fargo Advisors is a national securities firm with over 14,000 financial advisors, offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from its own investment institute and third-party sources to provide brokerage and advisory solutions.