Michael Phillips is a CFP® with 49 years of experience in the financial industry. He is currently affiliated with OSAIC, where he has worked since 1990, and previously operated Phillips Financial Services, Inc. from 1994 to 2008. Outside of his advisory role, Phillips serves as a volunteer commission member addressing local environmental concerns at Lake Topanemus in Freehold, NJ, and holds a state notary public license. OSAIC Wealth serves a diverse range of clients, including individual investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through multiple programs. The firm employs a model-based investment process with various portfolio management options and is noted for its scale, complex affiliate network, and private-equity ownership.

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 with LPL Financial based in Manasquan, NJ. He holds the Series 63 and Series 65 designations and has 19 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, Merrill, and New England Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary research models and third-party strategies.

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 and holds a Series 66 designation. He has one year of industry experience and has previously worked at Prudential Financial and Widener University. Outside of finance, he has experience in the food service industry with Vagabond Kitchen & Tap House. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm uses a model-driven investment approach and offers financial planning, access to third-party asset managers, and other 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, holding Series 63 and Series 66 licenses and bringing 45 years of industry experience. His previous roles include positions at Wells Fargo Clearing 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 institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational tools and a large network of over 22,800 advisors.

Lawrence Karpf is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior roles include eight years at Wells Fargo Clearing and a year with Prudential Equity Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

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.

Rocco Mercatante is a financial advisor with Merrill in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2012. 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.

Michael Kelly is a financial advisor at Equitable Advisors with 41 years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors since 1999, including its predecessor Axa Advisors. Outside of his advisory role, he is involved in a life settlements brokerage business through The Ashar Group. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm delivers services through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory programs.

Brian Laux is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 37 years of industry experience. His prior roles include positions at Regal Securities, Victory Capital Advisers, Invesco Advisers, and Russell Investments. Outside of his advisory work, he is involved with Game 7 Sports, a non-investment-related activity. 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 financial planning and portfolio management services through a large network of investment adviser representatives, utilizing a variety of investment strategies and operational tools.

Parker Hoch is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with Lincoln Financial Advisors and Lincoln Financial Distributors. In addition to his advisory role, Hoch offers accident and health insurance, disability insurance, fixed annuities, fixed indexed annuities, and traditional life insurance. OSAIC is a large wealth management firm serving retail and institutional clients through a multi-advisor platform that provides brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm uses a model-based investment approach with asset allocation and portfolio optimization tools and supports discretionary and advisor-managed strategies.

Nicholas De Biase is a Series 66-licensed financial advisor at Morgan Stanley with three years of industry experience. He previously worked at UBS Financial Services for five years before joining Morgan Stanley, where he has served in roles at both Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Prior to his financial services career, he worked at McGrath Landscape. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and research.

Charles Wehmeyer is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He previously worked at UBS Financial Services for 14 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and an array of advisory programs supported by structured planning tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Elena Ristov is a financial advisor at J.P. Morgan Securities in Freehold, NJ, holding Series 63 and Series 66 licenses with 13 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting.

Laura Ray is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 23 years of industry experience. She previously worked at RBC Capital Markets for 10 years before joining Wells Fargo Clearing in 2022. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.