Mahul Balar is a financial advisor with Equitable Advisors in Marlboro, NJ, holding Series 63 and Series 65 designations and 19 years of industry experience. He has worked at Equitable Advisors since 2012 and previously was with Axa Advisors and Eagle Strategies. Outside of his advisory role, he participates as a member of real estate investment LLCs and spends time analyzing and investing in real estate opportunities. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory models and third-party asset managers to deliver tailored investment solutions.

Colin Cadena is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and one year of industry experience. Prior to joining Mass Mutual Investors Services, he worked at Equitable Advisors and held various positions outside the financial sector, including roles at Applebee’s and McDonald’s. 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 financial planning, asset management, and educational seminars, emphasizing collaborative client relationships and event-driven planning services.

Timothy Mulhern is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Wells Fargo Clearing, and Citigroup Global Markets. 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 other institutions. The firm offers a range of financial planning and investment management solutions, leveraging both proprietary research and third-party strategies.

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.

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 financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. He has previously worked with Prudential Insurance Company of America, Pruco Securities LLC, and Liberty Mutual Insurance. Outside of his advisory role, he co-owns Humidor Collective Group LLC, a business focused on cigar hospitality and management. LPL Enterprise provides investment advisory and brokerage services to a diverse clientele, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through its affiliated entities.

Jason Weinstein is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1998 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Daniel Seitz is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Bank of America, Merrill, and Morgan Stanley. Outside of his advisory work, he serves as Vice President of CEDJR, LLC, a non-investment-related business. Wells Fargo Advisors is a national securities firm with over 14,000 financial advisors, offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from its own investment institute and third-party sources to provide brokerage and advisory solutions.

Peter Maniscalco is a financial advisor with Cetera who holds the PFS™ and Series 63 designations and has 25 years of industry experience. He is president and owner of Maniscalco Wealth Management LTD and has held multiple fiduciary trustee roles in supplemental needs and irrevocable trusts. He serves on the board of Xavier High School and the St. Clare Church parish council. Cetera Investment Advisers LLC operates as a multi-manager platform serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through various program structures.

Jay Goldberg is a financial advisor with Equitable Advisors in Colts Neck, NJ, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999, following a tenure with Axa Advisors. His other business activities include involvement in various outside insurance businesses. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and diverse asset management programs. The firm’s approach involves assessing client information and risk tolerance to align clients with appropriate advisory models, utilizing both firm-offered programs and third-party asset managers.

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 with LPL Financial holding a Series 66 designation. He has experience with multiple firms including Cadaret, Grant & Co., Inc., Petersen Advisors, and ABMM Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisers.

James Rinkewich is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Avantax Advisory Services and Avantax Insurance Services. Outside of his advisory role, he operates a tax preparation and accounting business as a sole proprietor. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services with access to multiple program structures and third-party money managers.

Fatin Alkhaleel is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 19 years of industry experience. She has been with Wells Fargo entities since 2009, including Wells Fargo Advisors LLC and Wachovia Bank, N.A. Outside of her advisory role, she is co-owner of a rental property in Ocean, New Jersey. 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 operates at large scale with approximately $671 billion in assets under management and offers both brokerage and advisory solutions.

Madison Fletcher is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Merrill and Bank of America in 2025, Fletcher worked at JPMorgan Chase Bank and J.P. Morgan Securities LLC from 2023 to 2025. Outside of finance, Fletcher held roles with the Pemberton Board of Education and Old Bridge High School. 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 strategies for a range of individual and institutional investors.

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.