Anthony Alfano is a CFP®-certified financial advisor with 12 years of industry experience, currently associated with Cetera. He has been with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Outside of his advisory role, Alfano volunteers with 3rd Decade, providing financial education to individuals who cannot afford professional advice. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and oversees over $256 billion in assets.

Michael McCabe is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He applies a goal and needs-based holistic approach to assist individuals, families, and businesses in pursuing their financial objectives. His work involves thorough planning conversations with clients and utilizing Fidelity's information, technology, and tools to support their financial success. Michael's strategy focuses on planning areas including investment planning, tax-efficient investing, income planning, and legacy planning considerations. Prior to joining Fidelity, he gained experience as a wholesaler and financial services education consultant at Allstate Financial Services from 2017 to 2021, served as a field sales associate at State Farm from 2014 to 2017, and worked as a registered representative at MetLife from 2009 to 2014. Outside of his professional role, Michael's personal interests include spending time at the beach, attending concerts, caring for pets, skiing, traveling, and practicing yoga.

Christopher Kostecki is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. Outside of his advisory role, he co-owns Vintage Moments LLC, a china tableware rental business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations through a non-discretionary approach supported by an in-house manager solutions team.

Devin Mc Dermott is a financial advisor with OSAIC, holding a Series 65 designation and beginning his industry career in 2025. Prior to joining OSAIC, he worked at Haven Technologies for six years and FAST for two years. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a broad range of financial services and employs a variety of tools and third-party platforms to support portfolio construction and management.

Anne Schnuriger is a financial advisor at Merrill with 30 years of industry experience. She has been with Merrill since 2013 and holds the Series 63 and Series 66 designations. Outside of her advisory role, she is connected to a family plumbing and heating business through her husband. Merrill provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional fiduciaries.

Richard Hagerty is a financial advisor with Ameriprise in Manasquan, NJ, holding a Series 66 designation and 26 years of industry experience. His prior experience includes ten years at UBS Financial Services and a year at Ameriprise Financial Services Inc. Outside of advising, he works part-time at The Atlantic Club, assisting members as floor staff. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals near or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations in partnership with its financial advisors.

Stacie Ann Lites is a financial advisor at Fidelity with eight years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Fidelity Investments since 2023. Her prior roles include positions at Allstate and Shipt Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies and its role as a commodity pool operator and advisor to multiple registered investment companies.

Keith Owitz is a financial advisor with Edward Jones in Holmdel, NJ, holding a Series 66 designation and nine years of industry experience. He has been with Edward Jones since 2017 and also operates Owitz Consulting Services, LLC, which he founded in 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Thomas Croom III is a financial advisor with Primerica Advisors in Tinton Falls, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Financial Services since 1991 and Primerica Advisors since 1989. Outside of advisory work, he is involved in sales of loan products and home security and automation referrals through affiliates of PFS Investments Inc. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and limited discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, employing BNY Mellon Advisors for model implementation and Pershing and Primerica Brokerage Services for custody and trade execution.

Joseph Campi is a Series 66 licensed financial advisor with five years of industry experience, currently affiliated with Cetera. His prior experience includes a role at King Financial Network and involvement with Tower Garden Setup Services. Campi serves as co-chair of the Emerging Leaders Committee and participates in the Health and Wellness and Golf Committees at the Monmouth-Ocean Development Council. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and bespoke strategies, supporting both discretionary and non-discretionary accounts.

Nicole Adler Frigoletto is a CFP® professional with eight years of industry experience. She is currently with LPL Financial and also associated with River's Edge Wealth Partners. Prior to this, she worked at Wells Fargo for eight years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers diverse advisory programs, financial planning, and retirement plan consulting supported by proprietary and third-party research.

John Cornacchia is a financial advisor at Wells Fargo Advisors with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC since 2009. Outside his primary role, he owns Cornacchia Wealth Management, LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a range of investment and fee-based financial planning services. The firm offers tailored recommendations supported by internal research and planning tools, with optional implementation across various brokerage and advisory programs.

Carolyn Anderson is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 65 licenses and 29 years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC for 12 years before joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Joseph Palone is a Series 66-licensed advisor at Merrill with 11 years of industry experience. He has been with Merrill since 2014. 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 a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Brian Patterson is a financial advisor with Equitable Advisors, holding a Series 66 credential and 26 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1998. Outside of his advisory role, Patterson is involved as a coach with the Ocean Surge Travel Baseball Association and owns Ascendancy Insurance Solutions LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage/insurance channels tailored to client goals and risk tolerance.

Lisa Handy Noonan is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 designations and possessing 39 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and has worked with Morgan Stanley Smith Barney since 2009. 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 planning process incorporating firm-approved tools and modeling techniques.

Alan Salowe is a financial advisor with Cetera who holds Series 63 and Series 65 registrations and has 51 years of industry experience. His career includes long-term roles at Securian Financial Services, Mid Atlantic Benefit Strategies, and Mid Atlantic Resource Group, among others. He is also a partner in a fixed insurance sales business and serves as a board member of the MARG Foundation. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporations, charities, and institutions. The firm offers a variety of portfolio management and planning services through a multi-manager platform that includes both affiliated and third-party investment managers.

Mark Mastroberti is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial services industry. He specializes in serving high-net-worth individuals, business owners, their families, and their companies. Mark focuses on helping clients make informed financial decisions to achieve their goals, adapting strategies throughout various life stages. His approach involves thorough consultations to understand each client's unique investment objectives, followed by implementing tailored strategies that emphasize ongoing dialogue and portfolio risk management. Mark employs a balanced investment approach that includes tactical shifts within portfolios, utilizing a wide range of investment options across multiple sectors, industries, and international markets. Fixed income products play a key role in his strategies, and he advocates for discretionary management to address limitations found in traditional advisory services. His expertise encompasses areas such as divorce transition planning, retirement income, personal retirement planning, managing new wealth, portfolio management services, and investment consulting for defined contribution plans. He holds a Bachelor's Degree from Pace University and professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Mark is involved in professional organizations such as AMICI of Red Bank and IATTO of Ocean. Prior to the COVID-19 pandemic, he volunteered for numerous Merrill Lynch events, reflecting his commitment to community involvement. Outside of work, Mark enjoys biking, gardening, golfing, hiking, spending time with his family, tennis, traveling, and yoga.

Joseph Farrell is a Financial Advisor with Merrill Lynch Wealth Management, based in Red Bank, NJ. He joined Merrill Lynch in 2015, initially advising clients and their families from the Home Office in Pennington, NJ, before relocating in 2022 to serve the community where he was raised. A native of Monmouth County, Joseph aligns his professional expertise with his personal roots, residing in Ocean Township with his wife. Joseph's advisory practice focuses on a range of client needs including college education planning, family wealth management strategies, legacy planning, liquidity management, retirement planning, portfolio management, small business strategies, and tax minimization. His approach is collaborative, working closely with clients and their families to identify priorities, develop tangible plans, and employ innovative financial solutions. He emphasizes delivering client service founded on respect, transparency, and honesty. He holds a Bachelor's Degree from Pennsylvania State University and several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional role, Joseph volunteers in his community and enjoys activities such as traveling, playing sports, and spending time with his family.

Steven Dimino Jr. is a financial advisor with RBC Capital Markets in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at RBC Capital Markets since 2013 and also has experience with City National Bank from 2021 to the present. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs and customizes investment strategies based on clients’ risk profiles, utilizing both in-house and third-party managers.