Kyle Vitale is a financial advisor with LPL Financial who holds a Series 63 designation and has 27 years of industry experience. He has worked at LPL Financial since 2004 and was previously with WS Griffith Securities, Inc. from 2002 to 2004. He also serves in a fiduciary capacity outside of his investment-related activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services through a network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment solutions, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Patrick Rafferty is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Primerica Financial Services since 1991 and Primerica Advisors since 1989. In addition to his advisory work, he receives compensation for referrals related to home security, automation products, and home services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers, uses a tiered wrap fee structure, and delegates trading responsibilities to BNY Mellon Advisors.

Mary Elliott is a financial advisor at Morgan Stanley with 33 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2015 and holds Series 63 and Series 66 credentials. Outside of her advisory role, she serves as president of MTD Capital, a factoring brokerage. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and a range of advisory programs supported by structured planning tools and investment research.

John Geoghan is a financial advisor at Merrill with 33 years of industry experience. He holds the Series 63 designation and was previously with UBS Financial Services from 1992 to 2025. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

John Bohinski is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at LPL Financial since 2023 and previously spent seven years with Cetera Advisors LLC. Outside of his advisory role, he is a part owner of a property and casualty insurance agency and works as an agent selling title insurance, Medicare supplement plans, and other insurance products. 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 provides a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by technology tools and a broad array of non-advisory financial offerings.

Christine Purcell is a financial advisor at Fidelity with 18 years of industry experience. Her background includes eight years at Heritage House Sotheby's International Realty before joining Fidelity in 2019. She holds the 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 a charitable gift fund and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, often delegating management to sub-advisers while applying oversight controls.

Laurie Muller is a financial advisor with LPL Financial holding a Series 66 credential and two years of industry experience. She has previously worked at Voya Financial Advisors and Dominion Financial Group. In addition to her advisory role, she is involved in selling life and health insurance and group benefits through Dominion Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Ryan Goodwin is a financial advisor at Morgan Stanley with five years of industry experience. His prior work includes roles at Bank of America, Merrill, and Amazon. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, offering financial planning services that utilize firm-approved tools and modeling techniques to support tailored client strategies.

Kurt Schroder is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he assists clients in managing their wealth by developing personalized financial strategies tailored to their individual goals. He leverages market insights from Merrill and the banking and lending capabilities of Bank of America to support clients in pursuing their long-term financial objectives. Kurt holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's degree from Baruch College. He is also committed to community involvement, dedicating time to volunteer with local organizations, reflecting the Merrill tradition of community participation.

Rosemary Neidermeyer is a financial advisor at LPL Financial with nine years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Cetera Investment Services and Foresters Financial Services. LPL Financial is a national broker-dealer and investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and portfolio management services, including access to third-party asset managers and institutional platforms.

Evan Bloomberg is a CFA® charterholder with 17 years of industry experience. He is currently with Raymond James & Associates and was previously with UBS for 13 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through various advisory programs and institutional solutions.

Christopher Warenkiewicz is a financial advisor with Equitable Advisors, holding a Series 66 designation and 26 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Outside of his advisory role, he is a member of the BNI Manalapan NJ networking group and is involved with Savoy-Health. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm’s approach involves client risk assessment and matching to program models or discretionary managers, with services delivered through a network of Investment Adviser Representatives and a variety of third-party asset management programs.

Todd Gray is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, MORGAN STANLEY SMITH BARNEY llc, Bank of America, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and investment programs, managing approximately $2.74 trillion in client assets.

Courtenay Napoli is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Outside of her advisory role, she serves on the Ranney School Parent Development Committee, focusing on peer and parent outreach and event coordination. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gabriel Caponetto Jr. is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has been with UBS Financial Services since 2015. Outside of his advisory role, he is involved with Kona Investment Group, Inc., where he participates in interior design and staging as part of a management committee. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management to tailor strategies based on proprietary research and model-based asset allocations.

Kenneth Chan is a financial advisor with LPL Financial based in Morganville, NJ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2020. He is also involved with Gladstone Advisors, an investment-related business entity. 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 variety of financial planning and investment services, including access to model portfolios, third-party asset management, and institutional platforms.

Edward Schreiber IV is a financial advisor at Ameriprise with a Series 66 designation and recent industry experience. His background includes roles across diverse fields such as education and physical therapy, as well as involvement with Fresh Prints and WizCommerce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides ongoing advice and written recommendation reports based on a combination of proprietary research and third-party data.

Steven Schifino is a financial advisor at Wells Fargo Clearing with three years of industry experience. He previously worked at Merrill from 2022 to 2025 and spent five years at AT&T prior to entering the financial sector. Schifino holds a Series 66 designation. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from internal and external sources to support diversified investment strategies.

Laura Bozek is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 66 designations and 23 years of industry experience. She has worked at Wells Fargo Clearing since 2011, with additional experience at Wells Fargo Advisors and Santander Securities LLC. Outside of her advisory role, she serves as power of attorney for her father. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Janice Onyrscuk is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 21 years of industry experience. She has been with Primerica Advisors since 2005 and also maintains involvement with related entities in investment product sales and referrals for home security and automation services. Her background includes extensive experience in real estate, having worked at Coldwell Banker Residential Brokerage for 30 years. Primerica Advisors is a large-scale institution serving primarily individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers and provides various portfolio approaches supported by major custodians and overlay managers.