Joshua Simpson is a financial advisor with Morgan Stanley in Holmdel, NJ, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2023, he served in the U.S. Army for 20 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Julia Sternik is a Financial Consultant at Fidelity Investments, where she provides clients with planning and guidance to support their long-term and short-term financial goals. She has been with Fidelity since 2022, progressing through roles including Relationship Manager and Planning Consultant before assuming her current position in 2025. Prior to joining Fidelity, Julia worked as a Platform Consultant at Clark Capital Management Group from 2020 to 2022. Her professional experience encompasses client relationship management and financial planning, enabling her to assist clients in working towards financial success. Outside of her professional responsibilities, Julia enjoys activities such as spending time at the beach, cooking and baking, engaging in family activities, fitness, and traveling.

Giovanni Santillo is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 63 designation and previously worked at Citigroup Global Markets for 13 years before joining Wells Fargo in 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Brett Pandelo is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley for 15 years before joining Wells Fargo in 2024. Outside of his advisory role, he owns BAP Capital LLC, an entity established to hold real estate. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Paul Favours II is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo since 2016. Outside of his advisory role, he owns and manages real estate businesses in Newark, New Jersey. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Anthony Morrone is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has worked with Cetera Advisors LLC since 2019 and is also involved with Hudson Wealth Management LLC as a financial advisor. Additionally, he operates a fixed insurance business offering life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and consulting services, leveraging affiliations and program options across discretionary and non-discretionary accounts.

Sean Allen is a financial advisor with Wells Fargo Clearing and holds Series 65 and Series 66 licenses. He has 12 years of industry experience, including prior roles at UBS Financial Services, Fidelity Brokerage Services, Bank of America, Merrill Lynch, and has worked in non-financial roles at Lyft and Uber. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Clayton Collins is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63, 65, and 66 licenses and bringing 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2019, following five years at American Century Investment Services. Collins also serves as a trustee in investment-related trusts. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, including customized financial planning and estate strategies. The firm manages trillions in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Brian Mc Nally is a financial advisor with Merrill in Red Bank, NJ, holding a Series 66 designation and 21 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2012. Outside of his advisory role, he serves as an advisory board member for the Colts Neck Recreation Committee, where he helps design and implement sporting and recreational activities for the community. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary strategies for individual, high-net-worth, and institutional clients.

Daniel Harper is a financial advisor with Ameriprise, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Darrion Carrington is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked primarily at Morgan Stanley and its Private Bank since 2021. Outside of his advisory role, he is involved as an employee in a labor and service organization related to the NJSIAA IAABO SHORE 194 in Ocean, New Jersey. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers planning services that emphasize structured discovery and outcome modeling without providing individual security recommendations as part of standalone plans.

John Turi is a financial advisor with Ameriprise, holding the ChFC® designation and Series 63 and 65 licenses, and has 34 years of industry experience. He has been with Ameriprise Financial Service, LLC since 1992 and previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside his advisory work, he is CEO of JT & Associates, LLC, a financial advisory firm. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that provides written recommendation reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice, primarily for clients with significant investable assets.

Kevin Spencer is a financial advisor at Charles Schwab with 34 years of industry experience. He has worked at Charles Schwab since 2007 and holds the Series 63 and Series 66 designations. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Priscilla Baldari is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has spent the last 20 years working within Bank of America Merrill. In her role, she connects all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most to them. Priscilla focuses on delivering comprehensive wealth management and personalized strategies that address today's changing market conditions. Her areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Priscilla holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation as well as the Personal Investment Advisor (PIA) credential. She earned her bachelor's degree from the University of California system. Outside of her professional work, Priscilla enjoys cooking, hiking, music, spending time with her family, and traveling. Her approach emphasizes working one-on-one with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals.

Michael Bergin is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and possessing 40 years of industry experience. He has worked with Cetera and its affiliates since 2022 and previously held roles at National Asset Management and National Securities Corp. Outside of advising, he is the owner of a digital self-publishing business and the sole managing member of Havana Dublin Capital, LLC, which is involved in expense management. Cetera Investment Advisers LLC serves individual and institutional clients nationwide through a multi-manager platform that offers a range of portfolio management and retirement services. The firm supports various investment strategies, including model portfolios, third-party managers, and bespoke approaches, overseeing more than $256 billion in assets with over 10,000 advisors.

Bert Hor is a financial advisor with Ameriprise in Voorhees, NJ, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-assisted advice primarily for clients with substantial assets managed within Ameriprise.

Bruce Kennedy is a financial advisor with Raymond James & Associates in Tinton Falls, NJ, holding Series 63 and Series 65 licenses and 18 years of industry experience. He previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney. Outside of his advisory role, he is a partner in a canned cocktail company developed by his wife. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning, investment consulting, and institutional advisory services through a range of portfolio management styles and affiliated research.

Lawrence Mieras Jr. is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for American Portfolios Financial Services for 23 years. Outside of securities, he serves as president of MFI Retirement Planning Associates, an insurance sales business, and acts as executor of an estate. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party investment managers. The firm employs advanced portfolio construction tools and supports various managed-account solutions.

Joseph Curcio is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has worked with Cetera and its affiliates since 2013 and operates an independent insurance agency offering disability, annuity, life, accident, health, and long-term care products. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a multi-manager platform, providing a range of portfolio management, financial planning, and retirement services delivered by a large network of independent advisors.

Donna Scallo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC and Wells Fargo Bank, N.A. since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menus.