Daniel Gamble is a financial advisor with Morgan Stanley in Avon, New Jersey, holding a Series 66 credential and 19 years of industry experience. He has been with Morgan Stanley since 2016. Outside of his advisory role, Gamble serves as an officer and trustee for local organizations including the Avon Fire Company and Avon First Aid & Rescue Squad. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a range of services including estate planning and broad investment offerings.

Amanda Toner is a Financial Consultant at Fidelity Investments, a position she has held since 2023. In this role, she collaborates with clients to understand their individual financial needs and leverages her industry experience along with Fidelity's resources to develop comprehensive financial plans tailored to their unique goals and objectives. Prior to joining Fidelity, Amanda accumulated over a decade of experience at BlackRock, where she held several roles including Head of US Relationship Management for Multi-Asset Strategies in 2023, Senior Product Strategist for Model Portfolio Solutions from 2016 to 2022, Portfolio Specialist for Private Investors from 2012 to 2016, and Sales Associate in US Wealth Advisory from 2011 to 2012. Outside of her professional work, Amanda's personal interests include spending time at the beach, exploring food, parenthood, and traveling.

Marion Sommer is a CFP®-designated financial advisor with 26 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and also has experience with Metlife Securities Inc. from 2015 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars, focusing on collaborative, goal-based planning without providing investment discretion.

Joyce Wajda is a financial advisor at Merrill with 22 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1986. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Sean Keating is a CFP® and ChFC® with 24 years of industry experience. He currently serves as a senior financial advisor at Cetera Wealth Services, LLC and is also involved with Rosso Financial Group. Outside of advising, he teaches financial information at Kaplan Financial Education and holds board fiduciary roles with the Association of US Army and the Jersey Shore Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party and affiliated managers.

Mark Pellecchia is a financial advisor with Equitable Advisors in Wall, NJ, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors. Pellecchia serves as a public official on the Board of Fire Commissioners in Allenwood, NJ, and is a part-time wildland firefighter with the New Jersey Forest Fire Service. He also holds board and leadership roles at the Spring Lake Golf Club. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm emphasizes matching clients to advisory program models and third-party asset managers and offers a range of investment options including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Jeffrey Brehm is a financial advisor with Ameriprise in Brielle, NJ, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his primary role, he is involved in a partnership with another Ameriprise advisor at Munn and Associates. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional provider.

Robert Zwigard is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked with Linsco / Private Ledger Corp. for 26 years. His other business activities include the sale of group medical insurance and life insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment options, including model portfolio programs and third-party asset management, supported by a large network of investment adviser representatives.

Yitzchak Goldsmith is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 63 designations and bringing 18 years of industry experience. He has been with Mass Mutual and its affiliated firms since 2015. In addition to his advisory role, he is also engaged as a sales agent in life and group health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Daniel Grieco is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has been with Cetera and its affiliated entities since 2010 and also operates Grieco Financial Solutions LLC. Outside of advisory work, he is employed part-time as a package loader in New Jersey. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, 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 investment strategies through affiliated and third-party managers.

Karen Flannery is a CFP® with 16 years of industry experience, currently with Osaic Wealth, Inc. She previously worked at Lincoln Financial Advisors for 14 years and has held roles at LPL and Planahead Financial Services. In addition to her advisory work, she provides accounting and tax preparation services through her CPA practice, Flannery & Associates LLC, and serves as a trustee for a special needs trust. Osaic Wealth serves a diverse client base including retail and institutional investors, offering both brokerage and advisory services across various financial planning and portfolio management programs. The firm emphasizes model-based asset allocation and portfolio optimization, supported by a multi-advisor platform with access to proprietary strategies and third-party managers.

Philip Rachmelowitz is a financial advisor with Cetera based in Lakewood, NJ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His career includes long-term roles at Avantax Advisory Services, Avantax Investment Services, and Avantax Insurance Agency. In addition to advisory work, he operates a tax preparation and accounting business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports model portfolios, third-party managers, and customized strategies.

Jeff Cafiero is a ChFC® and Series 66 licensed financial advisor with 23 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at A. G. Edwards & Sons, Inc. and Equitable Advisors. He is based in Red Bank, NJ. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and a range of brokerage and advisory solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Satyajeet Shinde is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and over 21 years of industry experience. His prior roles include positions at J.P. Morgan Securities, HSBC Securities, and Citigroup Global Markets. Outside of his advisory work, he is involved in business consulting through Sruti LLC and provides meditation training with the Heartfulness Institute. 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 combines in-house research and third-party analytics to offer diversified investment solutions and supports a broad range of financial products through affiliated institutions.

Charles Sergewick is a financial advisor with Merrill based in Toms River, NJ, holding Series 63 and Series 65 designations and 39 years of industry experience. He has been with Merrill since 2014 and concurrently with Bank of America, N.A. since 2015. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Sobieski is a financial advisor at Fidelity with 25 years of industry experience. He has held roles at Strategic Advisers, Inc. since 2003 and has been with Fidelity Investments and Fidelity Personal and Workplace Advisors since 2000. Sobieski holds Series 63 and Series 66 designations. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios.

Daniel Bavuso III is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and over 32 years of industry experience. His career includes long tenures at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He is also involved in private investment ventures through his ownership interests in Hamilton Capital Advisors, LLC and Bavuso GP, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and financial planning services tailored to clients who meet specific net-worth thresholds. The firm provides a broad range of planning services and integrates advisory recommendations with various financial product offerings.

Christian Fusco is a Series 66-licensed financial advisor at Morgan Stanley with one year of industry experience. His career includes prior roles at LogicSource, Inc. and educational positions at the University of St Andrews, George School, and Peddie School. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques to support its financial planning process.

Danielle Veloso is a financial advisor with LPL Enterprise and holds a Series 66 designation. She has seven years of industry experience, including five years at Pruco Securities, LLC, and currently manages The Garback Agency, which handles payroll, bookkeeping, and vendor management. LPL Enterprise, LLC provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Michael Sosa is a financial advisor with Cetera, holding a Series 66 designation and six years of industry experience. He has worked with Cetera and its affiliated entities since 2020. Outside of advisory work, Sosa serves as Director of Treasury at Proximo Spirits, Inc., where he is involved in tax and corporate projects, and he operates a tax preparation service through Premier Financial Group, LLC. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through multiple program structures, with over $256 billion in assets under management and more than 10,000 advisors.