Lauren Ruperto is an Investment Consultant at Fidelity Investments, a position she has held since 2024. In this role, she collaborates with clients to develop personalized investment strategies that align with their unique financial goals, focusing on balancing risk, protection, and growth. Prior to joining Fidelity Investments, Lauren worked as a Financial Solution Advisor at Merrill Lynch from 2023 to 2024. Her professional experience centers on investment consulting and financial advising, aiming to provide tailored financial planning services. Outside of her professional work, Lauren has interests that include beach activities, cooking and baking, family activities, fitness, outdoor adventures, and parenthood.

David Cundey is a financial advisor with Morgan Stanley in West Palm Beach, FL, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory role, he is a managing partner at Big Hat Partners, a private real estate company based in Palm Beach, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and modeling techniques.

Michael Didario is a Series 66-licensed financial advisor with Fidelity Investments, based in Shrewsbury, NJ, and has one year of industry experience. His prior roles include six years at Didario Financial L and involvement with Hollywood Golf Club since 2017. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction, serving a range of investors with discretionary and non-discretionary services.

Nicholas Brewer is a financial advisor at Morgan Stanley based in Shrewsbury, NJ. He holds a Series 66 designation and has been with Morgan Stanley since 2025. Prior to joining the firm, he worked in various roles including at the High Bar Harbor Yacht Club and Northern Burlington Regional School District. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by advanced modeling tools.

Michael Nolan is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation. He has experience working at several firms, including Creative Financial Group, National Life Insurance of Vermont, and Northwestern Mutual. Nolan has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2025. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers annual, collaborative planning engagements using firm-approved analytical tools and programs tailored to various client needs.

Eric Sciulla Jr. is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. He has been affiliated with Cetera and its predecessor entities since 2008. Outside of his advisory role, Sciulla is involved in several business activities including managing partnerships in financial consulting and non-CPA tax preparation firms. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary strategies.

Paul Lobosco is a financial advisor at Cetera with 36 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously with I C Advisory Services, Inc. and The Investment Center, Inc. In addition to his advisory role, he is president of Forward Capital Management, LLC and a co-founder and director of American Health Revolution, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio strategies and program options, supported by a large network of over 10,000 advisors and approximately $256 billion in assets under management.

James Varzal is a Series 63-licensed financial advisor at LPL Financial with 39 years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc., Royal Alliance, Petersen Investments, Inc., Oppenheimer, Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, providing a wide range of advisory and brokerage services through its large network of investment adviser representatives.

Lucas De Pofi is a financial advisor with UBS Financial Services, holding a Series 66 designation and five years of industry experience. Prior to joining UBS in 2022, he worked at Merrill from 2020 to 2022. His background also includes roles outside finance, such as positions at Chenango Contracting LLC and Coastal Carolina University. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory solutions, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans to clients' goals and risk tolerances.

Jeffrey Vogel is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following a nine-year tenure at Merrill. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, 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 supported by research and analytics.

Jeremiah Mc Namara is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds a Series 63 designation and has previously worked at Morgan Stanley and Citigroup Global Markets. 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, relying on research and analytics while serving a wide range of client needs.

Louis Pearlman is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 1999, he has developed expertise in customizing sophisticated and integrated wealth management strategies tailored to the needs of affluent clients, including creative professionals, attorneys, financial industry executives, retired corporate executives, and special needs families. He leads The Pearlman Group, a team of four dedicated financial advisors providing a broad range of services beyond asset management and retirement strategies, such as employee stock options analysis, hedging and monetization of concentrated equity positions, liability management, and wealth preservation. Pearlman has experience working with corporate benefit programs, including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. He and his colleague Chris Edgar serve employees' stock purchase plans and are affiliated with the Corporate Services and Advisory Team and the Merrill Lynch Private Equity Services Team, focusing on equity compensation plans, stock option and restricted stock strategies, 10b5-1 trading plans, and executive services. His client focus areas include family wealth management strategies, managing new wealth, and personal retirement planning. Louis Pearlman holds a Bachelor's Degree from The Ohio State University and has earned the Personal Investment Advisor (PIA) designation. He is involved with the Pop Warner Football Association. Outside of his professional work, he enjoys adventure sports, bowling, fishing, golfing, rock climbing, and skiing.

Robert Maher is a financial advisor with Morgan Stanley, holding a Series 66 credential and bringing 21 years of industry experience. He previously worked at UBS Financial Services Inc. for 14 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2023. Outside of his advisory role, Maher serves as a Committee Person for the Monmouth County Republican Committee in New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and approved planning tools to develop financial plans.

Chantley Thomas is a financial advisor with Primerica Advisors in Freehold, NJ, holding Series 65 and Series 63 licenses and one year of industry experience. Prior to rejoining Primerica Advisors in 2025, Thomas worked at Bristol Myers Squibb and Iqvia, and has experience in pharmacy from Campbell University and CVS Pharmacy. Thomas is president of Thomas Multiservices LLC, a non-investment-related business based in Linden, New Jersey. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with over 3,600 financial advisors and offers model-driven investment strategies supported by third-party managers and custodians.

James Holman is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. He has worked with Merrill Lynch since 2018 and previously held positions at Wells Fargo Bank and Bank of America. Outside of his advising role, he manages a rental property in Toms River, NJ. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional entities.

Sean Donlan is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has 28 years of industry experience. His prior work includes roles at Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., Berger Financial Group LLC, and John Hancock Mutual Life Insurance Company. In addition to his advisory role, he operates as an independent insurance agent specializing in dental and group disability income, fixed annuities, and life, accident, health, and long-term care insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, wrap and money-manager programs, and educational seminars, with a collaborative and annual approach to planning using firm-approved analytical tools.

Neil Kriegstein is a CFP® with 28 years of industry experience, currently advising at OSAIC. His career includes roles at Royal Alliance since 2019 and previous positions at HD Vest Insurance Agency and H.D. Vest Advisory Services. In addition to his advisory work, he owns Kriegstein Financial Group, LLC, which focuses on tax preparation and accounting, and serves as president of Imperial Payroll Processing, LLC, a payroll processing business. Osaic Wealth serves a diverse range of clients, including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm utilizes a model-based investment approach with portfolio optimization tools and provides access to discretionary strategies, third-party managers, and alternative investments.

Tara Mundorff is a financial advisor with UBS Financial Services in Red Bank, NJ, holding a Series 66 designation and 15 years of industry experience. She has been with UBS since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad range of capital markets activities.

Dominic Lopiccolo is a CFP® and ChFC® with 39 years of industry experience, currently serving with Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Dominic volunteers with the CFP Board, providing financial planning education to low-income individuals. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and customized investment strategies.

Thomas Musumeci is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 31 years of industry experience. He previously worked at Royal Alliance Associates for 18 years and Investment Advisors Asset Management, LLC for 15 years. In addition to his advisory role, Musumeci is involved with MWM Financial LLC, a DBA related to his LPL business, and holds a non-variable insurance agent role. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advisory services delivered through a large network of investment adviser representatives using a variety of investment strategies.