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.

Carla Oliveira is a financial advisor at Cetera with 14 years of industry experience. She holds the Series 66 and Series 63 licenses and previously worked at Foresters Financial Services from 2015 to 2019. Outside of her advisory role, she is a 100% owner of a rental property. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, featuring a multi-manager platform with access to affiliated and third-party managers, supporting various investment strategies and account structures.

Fernando Rivera is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds the Series 66 designation and has previously worked at Merrill and NWSe Deutsche Bank Wealth Management. Beyond his advisory role, he has worked part-time as a warehouse machine operator at an Amazon fulfillment center. 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.

Christian Foli is a financial advisor with LPL Enterprise, holding Series 63, 65, and 66 licenses and possessing 27 years of industry experience. His career includes roles at TDAmeritrade Inc., Charles Schwab, and PNC Wealth Management. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers services such as financial planning, access to third-party asset managers, and participation in a wrap program.

Keith Karstadt is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 63 designation and 47 years of industry experience. He previously worked at UBS Financial Services for 25 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models developed by its Global Investment Committee to support client financial goals.

Iryna Grach is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and over 15 years of industry experience. She has been with Bank of America and Merrill since 2013. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Michael Holden is a Wealth Management Advisor at Merrill Lynch Wealth Management based in Red Bank, New Jersey. He began his career in 2007 and joined Merrill Lynch in 2010. He formed the CH Wealth Management Group in 2018 and works with corporate executives, professional business owners, and limited partners from venture-capital and private-equity funds. Michael collaborates with specialists within Bank of America and Merrill Lynch to develop customized strategies addressing the complexities of clients' financial lives. Michael holds a Bachelor's degree from Franklin & Marshall College and has earned multiple professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), and Chartered Retirement Planning Counselor (CRPC). He was named to the 2025 Forbes "Best-in-State Wealth Advisors" list. Michael is involved with the Franklin & Marshall College New Jersey Alumni Chapter. Outside of his professional activities, he enjoys cooking, football, golfing, skiing, and spending time with his family.

Gustav Fingado IV is a CFP® professional with 42 years of experience in the financial services industry. He is currently with Raymond James & Associates, where he has worked since 2019. His prior experience includes ten years at Bank of America and over four decades at Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and public entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Darren Lehrman is a financial advisor with RBC Capital Markets and holds Series 63 and Series 66 licenses. He has 29 years of industry experience, including roles at City National Bank and RBC Capital Markets over the past decade. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients. The firm offers multiple advisory programs that provide portfolio management, financial planning, and brokerage services tailored to each client's risk profile.

Ava Brown is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2025. She has been with Fidelity Investments since 2017, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Ava is focused on working closely with clients to develop and implement financial strategies utilizing Fidelity Investment's resources to achieve their goals. Her professional experience spans several years within Fidelity Investments, where she has developed expertise in financial consulting and investment advisory services. Ava emphasizes attentive listening and collaboration in her approach to client financial well-being. Outside of her professional role, Ava's personal interests include cooking and baking, family activities, fitness, gardening, reading, and skiing.

David Ferrell is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and 66 licenses and bringing 38 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Morgan Stanley, and Citigroup Global Markets. 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, utilizing a variety of investment strategies and operational tools, and oversees over $819 billion in discretionary assets.

Justin Lotano is a financial advisor with LPL Financial in Colts Neck, NJ, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Wells Fargo Clearing, and Ameriprise. He is also an author, engaging in book publishing outside of his advisory work. 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, supported by a large network of investment adviser representatives.

Gregory Bahary is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2007. Prior to his advisory role, he has been involved as president and consultant of Gossip Records Inc., a record label and music publishing business. Edward Jones is a wealth management firm serving individual and institutional clients with a range of advisory services, including discretionary and non-discretionary strategies, managed accounts, and affiliated mutual funds. The firm has a large national presence with over 23,000 advisors and provides additional capabilities such as trust services and securities-based lending.

James Galipean is a financial advisor with Equitable Advisors and holds Series 63 and Series 65 licenses. He has been with Equitable Advisors since 2026. Outside of his advisory role, he has experience as a caregiver and has worked in education at Kean University and Middlesex County College, as well as in the food service industry with Magliones Italian Ice. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes various program models and third-party asset managers, offering a range of investment options including mutual funds, ETFs, and alternative investments.

Peter Shaker is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes roles at OSAIC, Martin Insurance Group, Brown & Brown, and AXA Advisors, as well as time as a self-employed advisor. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a combination of firm-offered and third-party advisory solutions.

Gabriel Simon is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Wells Fargo Clearing, Merrill, Banc of America Investment Services, and Quick & Reilly. Outside of his advisory work, he is involved with GSIMON GP, LLC, a merchant partnership in West Creek, NJ. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, leveraging proprietary research and planning tools.

Jeffrey Kotch is a CFP® and PFS™ with 25 years of industry experience, currently serving at Cetera. He previously worked at Avantax Advisory Services and Avantax Investment Services, and has been associated with Pierson & Oujo for over two decades. In addition to his financial advisory work, he is a sole-practitioner CPA providing accounting and tax services to individuals and businesses. Cetera Investment Advisers LLC is a nationwide SEC-registered firm supporting over 10,000 advisors and approximately 800,000 clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers as well as customizable investment strategies.

Elizabeth Punzi is a Series 66-licensed financial advisor with Morgan Stanley in Red Bank, NJ, bringing 17 years of industry experience. She has been with Morgan Stanley since 2013, including roles at Morgan Stanley Private Bank, N.A. since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs. The firm offers tailored financial planning and utilizes firm-approved tools and models to support client strategies.

Anthony Xerri is a financial advisor at Wells Fargo Advisors with one year of industry experience. He has been self-employed as a musician and content creator since 2011, writing, recording, and performing music alongside his advisory role. Wells Fargo Advisors is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services with tailored recommendations supported by Wells Fargo research and planning tools.