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 with LPL Financial, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Ameriprise Financial Services, Inc. and Osaic Wealth 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 through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party model portfolios and strategies.

Bryan Perry is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2001 and also associated with Bank of America since 2009. Outside of his advisory role, he serves as a council member for the Borough of Sea Girt, New Jersey. 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, and institutional investors.

Francis Bitterly is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Bitterly is also the author of a book titled *Spiritual Wisdom from the Heart of Wall Street* and serves as a trustee for New Hope IBHC, a hospital and rehabilitation organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 structured planning tools that incorporate Monte Carlo simulations and Secular Return Estimates.

Victoria Tomaro is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. Her prior experience includes roles at LPL Financial, The Investment Center Inc, Ic Advisory Services Inc, and TFS Securities, Inc. She also operates a financial business under the name Tomaro Financial Group. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals using a variety of portfolio management and model-based solutions tailored to client objectives.

Richard Gunderud is a Financial Consultant currently working at Fidelity Investments since 2025. He partners with clients to pursue financial success through comprehensive financial planning and guidance, focusing on understanding clients' goals and needs to co-create customized financial plans tailored to their unique financial situations. His approach aims to provide financial peace of mind and assist clients in making effective financial decisions. Prior to his current role, Richard served as an Investment Consultant at Fidelity Investments from 2023 to 2025. He has held several positions in the financial services industry, including Financial Consultant at E*TRADE From Morgan Stanley (2020-2023), Managing Director at C&A Financial Group (2019-2020), Manager of Financial Services at Prudential Financial (2018-2019), and Vice President at MassMutual Financial (2015-2017). Outside of his professional work, Richard's personal interests include family activities, fitness, movies, parenthood, and pets.

Steven Dietz is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 46 years of industry experience. He has worked at Cetera Advisors LLC since 2022 and previously spent eight years at National Securities Corp. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to third-party money managers via multiple program structures.

Robert Cutrupi is a financial advisor at Raymond James Financial with 45 years of industry experience. He held a position at Morgan Stanley from 1983 to 2019 before joining Raymond James in 2019. He is the owner of The Cutrupi Group, LLC, a support company offering financial services to individuals through Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm utilizes analytical tools and risk profiling to tailor non-discretionary planning and consulting aligned with client goals.

Michael Phillips is a CFP® professional with 49 years of experience in financial advisory. He has worked at OSAIC since 1990 and was a partner at Phillips Financial Services, Inc. from 1994 to 2008. Outside of his advisory work, he serves as a volunteer commission member for Lake Topanemus in Freehold, NJ, and is a licensed notary public. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and nonprofits through a large network of advisors and multiple platforms. The firm offers integrated brokerage and advisory services, employing firm-provided tools for portfolio construction, and supports both discretionary and non-discretionary account management.

Amy Coleman is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis.

Timothy Cannuli is a financial advisor at Raymond James Financial Services Advisors, Inc. with 28 years of industry experience. He has been with Raymond James since 2009 and also operates as an insurance agent selling life and disability products. Outside of his advisory role, he is a partner in a development LLC and has involvement in a local bakery business through family connections. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting, incorporating risk profiling and analytical modeling to support client goals.

Christopher Gallegos is a financial advisor at LPL Financial with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, Wells Fargo Bank, Merrill, and New England Securities. 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 a range of advisory services including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad array of financial products.

Catherine Dimon is a financial advisor with Morgan Stanley who holds a Series 66 credential and has 13 years of industry experience. She has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Robert Gleason is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1996 and joined Merrill Lynch in 2012. His practice is focused on serving affluent families, Wall Street professionals, physicians, business owners, entrepreneurs, and retirees. He specializes in developing customized investment strategies, credit and lending solutions, tax mitigation, and asset preservation to help clients achieve their financial objectives. With over 25 years of experience, Robert holds several professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR™ (CPFA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor’s degree in Economics from Rutgers University. As a Senior Portfolio Advisor, he manages discretionary investment portfolios using a range of Merrill model portfolios and third-party strategies, offering access to equities, fixed income, alternative investments, options, ETFs, and customized lending solutions. Robert resides in Middletown, New Jersey, with his wife and daughter. He is involved with St. Leo the Great Church and supports charitable organizations focused on children’s welfare. Personal interests include basketball, biking, gardening, golfing, reading, traveling, and spending time with family.

Alyson Mandato is a financial advisor at Cetera with six years of industry experience. She holds a Series 66 designation and previously worked at Two River Community Bank. In addition to her advisory role, she is involved with King Financial Network, where she prepares lead advisors for client meetings and manages portfolio reporting. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a multi-manager platform with a range of portfolio management and financial planning services.

Colin Wingate is a financial advisor with LPL Enterprise, holding a Series 66 designation and beginning his career in 2025. His prior work experience includes roles at Prudential Financial and various positions in education and other industries. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, retirement plans, banks, and charitable entities through a large network of investment adviser representatives. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers alongside financial planning and consulting services.

William Ward is a financial advisor with Ameriprise in Shrewsbury, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he is involved in a business partnership managing office space leasing with other advisors. Ameriprise is a large institutional firm offering a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations and manages a broad range of advisory, brokerage, and insurance solutions.

James Malmstrom is a financial advisor with LPL Financial who holds Series 63 and Series 66 licenses and has 45 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and UBS Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice and account management provided by investment adviser representatives using various discretionary and non-discretionary strategies.

Lawrence Karpf is a financial advisor at LPL Financial with over 31 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Prudential Equity Group, LLC. 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 services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms.

Patrick Heeb is a Financial Consultant currently working with Fidelity Investments since 2020. He has experience in financial consulting and has held roles including Financial Consultant at PNC Investments and Regional Vice President positions in annuity and mutual fund wholesaling with Pacific Life Insurance and Guardian Life Insurance. Throughout his career, Patrick has developed expertise in financial consulting, annuities, and mutual funds. He emphasizes understanding each client's personal and financial history to tailor financial planning that aligns with their definition of financial success. Outside of his professional work, Patrick has interests in fitness, parenthood, and puzzles.