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 at LPL Financial with 47 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors LLC and Momentum Independent Network. 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 and financial planning services, utilizing model portfolios, research, and technologies such as machine learning to support diversified investment strategies.

Diane Hart is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 20 years of industry experience. She has worked at Cetera and its affiliated entities since 2013 and operates Hart Financial Services, a sole proprietorship providing non-CPA accounting and tax preparation services. Hart is also a volunteer member of Friends of Brick, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered adviser with a network of over 10,000 independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Jonathan Scott is a Series 66-licensed advisor with LPL Enterprise, based in Holmdel, NJ, and has two years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities LLC, and Liberty Mutual Insurance. Outside of financial advising, he is co-owner of Humidor Cigar Group LLC, a hospitality business involved in cigar sales and relationship management. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management through both advisory and brokerage channels.

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 with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing 19 years of industry experience. Prior to joining Wells Fargo in 2020, he worked at Bank of America N.A. and Merrill from 2012 to 2020. Outside of his advisory role, he serves as vice president of CEDJR, LLC, a non-investment-related business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of investment options than many peers, such as insurance-related vehicles and bank deposit sweep programs.

Jay Goldberg is a financial advisor with Equitable Advisors in Colts Neck, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. His other business activities include various outside insurance businesses. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and multiple third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Edward Horigan is a Certified Financial Planner® with over thirty-two years of industry experience. He has been affiliated with Primerica Financial Services since 1993 and PFS Investments Inc. since 2011. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, with a focus on percentage-based fees and ongoing oversight of potential conflicts.

Joseph Tardiff is a Financial Consultant currently working at Fidelity Investments. He has been with Fidelity since 2022, initially serving as a Planning Consultant before assuming his current role in 2024. Prior to joining Fidelity, Joseph worked as a Financial Solutions Advisor at Merrill Lynch from 2014 to 2022. His professional experience spans various aspects of financial consulting and planning. Joseph's career objective focuses on providing sound and helpful financial guidance to clients, aiming to make a meaningful difference in their lives. He is committed to pursuing further education and certifications to enhance his ability to deliver financial advice. Outside of his professional work, Joseph's personal interests include beach activities, concerts, golf, music, surfing, and swimming.

Jimmy Leong is a financial advisor with Cambridge Investment Research Advisors in Freehold, NJ, holding the ChFC® designation and Series 63 and 65 licenses, with 34 years of industry experience. His prior work includes roles at J.P. Morgan Securities and Equitable Advisors. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, and charitable organizations by providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of portfolio management options and employs both proprietary and third-party investment strategies tailored to client objectives.

Kristine Ens is a financial advisor at Ameriprise with 14 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill for seven years before joining Ameriprise in 2023. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides written Recommendation Reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Edward Allegra is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2023 and Morgan Stanley Smith Barney LLC since 2022. Prior to joining Morgan Stanley, he was involved with BioLum Sciences LLC for five years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Shane Learn is a financial advisor at LPL Financial with a Series 66 credential and experience beginning in 2022. His career includes roles at Cadaret, Grant & Co., Inc., Petersen Advisors, and ABMM Financial. He has also worked in education at Florida State University and Winding Brook School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Fatin Alkhaleel is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 19 years of industry experience. Their career includes ten years at Wells Fargo Clearing, seven years at Wells Fargo Advisors LLC, and over two decades at Wachovia Bank, N.A. 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 both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Allen Laster is a financial advisor with Edward Jones, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Edward Jones, he worked at R. Neuhaus & Associates LLC and has experience in education and community roles. He also supports a family daycare business by managing its finances. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, including discretionary and non-discretionary strategies. The firm manages over $1 trillion in assets and operates a large network of financial advisors and branch offices across the United States.

Michael Boulos is a Wealth Management Advisor at Merrill Lynch Wealth Management and The Fields Boulos Group, a role he has held since joining in the fall of 2020. In this capacity, he focuses on deepening client relationships and providing detailed wealth planning. Michael constructs personalized financial strategies aimed at achieving his clients' financial goals and regularly reevaluates their current situations to provide updated advice. He holds a Bachelor's Degree from Villanova University, earned in 2017, where he served as philanthropy chair of the Sigma Chi Fraternity. Michael also obtained his Juris Doctorate from New York Law School in 2020 and was admitted to the New York Bar Association in 2021. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael is involved with professional and community organizations such as LunchBreak and the Beauty Foundation of New Jersey. In his free time, he enjoys playing golf and tennis, collecting sports cards, working out, and spending time with family and friends at the beach.

Robert Buckelew is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 credential and bringing 32 years of industry experience. He has worked with Raymond James in various capacities since 2009 and also spent three years in non-variable insurance from 2016 to 2019. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and uses advanced analytical tools to support client goals, while maintaining unique offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Stephen Kuczynski is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise Financial Services from 2016 to 2019 before joining LPL Financial in 2019. 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 variety of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management alongside research and model portfolios from multiple sources.

Bryan Perry is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in serving high net worth individuals, including entrepreneurs and executives. He offers expertise in corporate executive services, executive compensation, family wealth management strategies, legacy planning, retirement income, and philanthropic planning. Bryan's approach integrates advanced tax mitigation, alternative investment opportunities, cash flow management, and trust and estate planning services tailored to meet the needs of his clientele. Bryan holds a Bachelor's degree in Finance from Bloomsburg University and a Master's degree in Taxation from Villanova Law School. He has earned several professional designations, including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his professional pursuits, Bryan is actively involved in his community. He serves as a Councilman for the Borough of Sea Girt and has participated on the Sea Girt Elementary School Board of Education. Bryan also coaches youth basketball and little league baseball. He lives in Sea Girt with his wife and two daughters.