Hunter Gutierrez is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at MassMutual Life Insurance Co and Harding Loevner. He is also an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services via a multi-manager platform with access to affiliated and third-party managers.

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.

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.

James Giordano is a financial advisor at LPL Financial with 15 years of industry experience and holds the Series 66 designation. Prior to joining LPL Financial in 2025, he worked at Sorrento Pacific Financial, LLC for 11 years and at OceanFirst Bank for four years. He also owns Coastal Accounting Services LLC, which provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from internal and third-party sources.

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.

Cliff Schmardel is a financial advisor with Equitable Advisors in Spring Lake, NJ, holding a Series 66 designation and 19 years of industry experience. He has worked with Equitable Advisors since 2007 and previously with Axa Advisors, LLC from 2007 to 2020. Outside of his advisory role, Schmardel owns and operates Modern Tax Advisors, LLC, a tax preparation service. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and collaborates with third-party managers and advisory programs.

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.

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.

Heriberto Torres Jimenez is a financial advisor at Wells Fargo Clearing with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Barclays, Villanova University, Rowan University, and service in the United States Air Force. Wells Fargo Advisors is a national 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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 36 years of industry experience. She holds the Series 63 and Series 66 designations. Her career includes two separate tenures at Merrill totaling 19 years, as well as roles at Morgan Stanley Smith Barney LLC and Morgan Stanley & Co. LLC. 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 developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Christian Dammann is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial industry. He began his career in 1997 as a trader on the New York Stock Exchange before transitioning to financial advising in 2007. Christian holds multiple FINRA registrations, including Series 7, 24, 25, 31, and 67, as well as Life and Health insurance licenses. He is also designated as a Personal Investment Advisor (PIA). Christian focuses on areas such as college education planning, family wealth management strategies, portfolio management services, and retirement income. He emphasizes building trusted relationships with clients, helping them plan for life’s changes and challenges through personalized and attentive financial advice. Christian is committed to guiding clients by advising them on making informed decisions rather than simply providing information. He earned a Bachelor of Science degree in Business Management in 1997 from Southern Connecticut State University, where he was a four-year starter and team captain on the football team. Christian engages in community service, having served as president of the Red Bank Kiwanis Chapter from 2013 to 2014, contributing to fundraising efforts for local children's organizations. His personal interests include biking, fishing, football, golfing, reading, surfing, and spending time with his family.

Donna Feldman is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds the Series 66 designation and has been with UBS since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.