Nicholas Lanier is a Financial Advisor with Merrill Lynch Wealth Management. He provides clients with personalized financial guidance, focusing on strategies to achieve short-, mid-, and long-term goals. His services encompass investment consulting, retirement planning, liquidity management, tax minimization, and small business strategies. Nicholas also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Nicholas holds a Bachelor's Degree from Towson University and is designated as a Personal Investment Advisor (PIA). He has extensive experience working with diverse client needs, including college education planning, managing new wealth, defined contribution plans, and financial planning for women. Based in Belmar, New Jersey, he emphasizes building trusted relationships within the community, which he regards as essential to a successful financial advisory partnership. Active in his local community, Nicholas is involved with several non-profit organizations benefiting the surrounding areas and is a member of the Friendly Sons of the Shillelagh. Outside of work, he enjoys basketball, football, golfing, reading, swimming, and spending time with his family. He is committed to helping clients start or revisit their financial planning journeys with trust and confidence.

Michael Welger is a financial advisor with Cornerstone Professional Advisor Services, LLC, holding Series 63 and Series 65 licenses and offering 42 years of industry experience. He has worked at StoneX Securities Inc. since 2014 and has been president of Innovative Financial Concepts, an insurance sales business, since 2010. Welger also serves as co-trustee of a retirement trust and advises a nonprofit pet rescue organization. Cornerstone Professional Advisor Services serves individuals, including high net worth clients, as well as pension and profit-sharing plans, trusts, estates, business entities, and charitable organizations. The firm provides discretionary portfolio management and financial planning, focusing on diversified, asset-allocated portfolios implemented mainly through passive mutual funds, ETFs, and fixed-income securities with a long-term, buy-and-hold strategy.

James Fay Sr. is a financial advisor at Shore Point Advisors, LLC with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Park Avenue Securities, Guardian Life Insurance, and the Police and Firemen's Insurance Association. He is also an agent for life, disability, and long-term care insurance through JCL Financial LLC. Shore Point Advisors offers discretionary portfolio management, financial planning, and advisory services to individuals, retirement plans, charities, and business entities. The firm manages over $327 million in assets across a team of ten advisors, employing strategies that include modern portfolio theory, option strategies, and multi-asset overlays.

Sara Hutman is a financial advisor at Able Wealth Management LLC with a Series 65 designation and one year of industry experience. She has worked at Hutman and Hutman LLP, an accounting firm where she serves as Secretary, and previously held positions at Madison Title Agency and Bais Yaakov High School. Able Wealth Management serves individual and high-net-worth clients, pension and profit-sharing plans, and charitable organizations with discretionary portfolio management, financial planning, and pension consulting. The firm employs an IPS-based, diversified investment approach primarily using ETFs and integrates multiple platform and sub-advisor relationships to deliver customized solutions.

Kathy Anne Lobue is a financial advisor at Glen Eagle Advisors, LLC with 20 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Glen Eagle Advisors since 2013. Outside of her advisory role, she serves as CEO of The LoBue Group, a non-investment-related company through which she conducts business as an independent contractor. Glen Eagle Advisors provides investment management and wealth-planning services to individual and institutional clients, employing standardized asset-allocation models supplemented by fundamental and technical analysis. The firm offers discretionary and non-discretionary portfolio management, financial planning, and corporate plan consulting, and incorporates third-party reporting tools and alternative investments for qualified clients.

James Hoffman is a financial advisor at Beckerman Wealth in Ocean Grove, NJ, holding a Series 65 credential with three years of industry experience. He previously worked at International Planning Alliance before joining Beckerman Institutional. Beckerman Wealth provides asset management and financial planning services to individual and high-net-worth clients, as well as non-discretionary retirement plan consulting to plan sponsors. The firm employs a client-focused approach to portfolio construction, utilizing mutual funds, ETFs—including cryptocurrency ETFs when requested—and a mix of trading strategies within defined risk parameters.

Richard Krug is a financial advisor at Shore Point Advisors, LLC with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Shore Point Advisors since 2019. In addition to his advisory role, Krug is an independent insurance agent and a real estate agent with Keller Williams West Monmouth. Shore Point Advisors provides discretionary portfolio management, financial planning, and advisory services to individuals, retirement plans, charities, and business entities. The firm combines modern portfolio theory and a five-factor model to guide asset allocation, employing derivative and overlay strategies, with financial planning included at no extra cost for clients managing $500,000 or more.

Paul Murphy is a CFP® and CFA® with 13 years of experience in financial advising. He is currently with Wealth Quarterback LLC and has previous experience at American Portfolios Financial Services, Inc. He is also an insurance agent specializing in life, long-term care, and disability insurance through Jalinski Advisory Group. Wealth Quarterback provides discretionary investment management and financial planning services to individuals, charitable organizations, and pension plans. The firm employs a mix of fundamental, technical, and quantitative analysis and offers both conservative and aggressive strategies, including a Tactical Managed Strategy that uses market-timing and leveraged ETFs.

John Scalabrini is a financial advisor at Shore Point Advisors, LLC with 14 years of industry experience. He holds a Series 66 designation and has worked previously at Park Avenue Securities and Guardian Life Insurance. Scalabrini also served 20 years with the New Jersey State Police. Shore Point Advisors manages discretionary portfolios and provides financial planning services to individuals, retirement plans, charities, and businesses. The firm employs a model portfolio approach informed by modern portfolio theory and a five-factor model, incorporating option strategies and multi-asset overlays in client accounts.

Michael Hart is a CFP® and holds a Series 65 license with three years of industry experience. He is currently with Advice Only, PBC and previously worked at Brookstone Capital Management, Franklin Retirement Solutions, TFG Wealth Management, and TD Bank. Advice Only, PBC provides financial planning services to individuals, high-net-worth clients, and businesses without managing client investment accounts or accepting custody of client funds. The firm emphasizes tailored advice delivered on a fixed or hourly-fee basis, generally recommending passive investments through index mutual funds and ETFs.

Jacob Rue V is a financial advisor at Shore Point Advisors, LLC with 20 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Guardian Life Insurance and Park Avenue Securities. He is also an agent for life, disability, and long-term care insurance through JCL Financial LLC. Shore Point Advisors provides discretionary portfolio management, financial planning, and advisory services to individuals, retirement plans, charities, and business entities. The firm utilizes model portfolios informed by modern portfolio theory and a five-factor model, along with option strategies and multi-asset overlays, serving clients through a ten-advisor team with over $327 million in discretionary assets under management.

Christopher Meyer is a financial advisor at Wealth Quarterback LLC with 14 years of industry experience. He holds a Series 66 designation and has worked at firms including Purshe Kaplan Sterling and American Portfolios Financial Services, Inc. Meyer is also involved with the Jalinski Advisory Group and Meyer Capital Management LLC. Wealth Quarterback LLC provides discretionary investment management and financial planning to individuals, charitable organizations, and pension and profit-sharing plans. The firm employs a combination of fundamental, technical, and quantitative analysis, and offers strategies including an aggressive Tactical Managed Strategy using market-timing and leveraged ETFs.

Bryan Britchkow is a financial advisor at Star Wealth Advisors with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Thrive Financial Services and FSC Securities Corporation. Star Wealth Advisors provides discretionary investment and portfolio management and financial planning services to individuals, trusts, estates, and corporations. The firm emphasizes long-term, fundamental analysis and diversified strategies, including the use of mutual funds, ETFs, individual securities, and third-party money managers, and operates its own wrap fee program.

Samuel Ramos is a financial advisor at Star Wealth Advisors with 15 years of industry experience. He holds a Series 66 designation and previously worked at Third Seven Capital, Wells Fargo Bank and Clearing, and PNC Investments. Ramos has been with Star Wealth Advisors since 2025. Star Wealth Advisors provides discretionary investment and portfolio management and financial planning services to individuals, including high net worth clients, as well as trusts, estates, and corporations. The firm emphasizes long-term fundamental analysis and uses diversified strategies including mutual funds, ETFs, individual securities, and third-party money managers, managing approximately $44.4 million in discretionary assets through a team of nine advisors.

James Madigan Jr. is a financial advisor with Regal Advisory Services, Inc. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. Since 2009, he has worked at Wells Fargo Advisors LLC. Regal Advisory Services, Inc. serves individuals, corporations, retirement plans, trusts, foundations, and other institutional clients through a team of 15 advisors managing approximately $113.5 million in assets. The firm provides discretionary and non-discretionary portfolio management, financial planning, and retirement plan advisory, utilizing a blend of fundamental and quantitative research tailored to client goals and risk tolerance.

John Oleary is a financial advisor with Capitol Securities Management, Inc. He holds Series 63 and Series 65 licenses and has 37 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Capitol Securities Management serves individual, corporate, and charitable clients, offering brokerage and investment advisory services along with financial planning, pension consulting, insurance products, and educational seminars. The firm manages assets through various programs using mutual funds, ETFs, individual securities, and other instruments, with advice delivered by a network of investment adviser representatives.

Peter Forbes is a financial advisor with World Equity Group, Inc., holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with World Equity Group since 2010. Forbes is also licensed to sell fixed insurance products. World Equity Group provides investment advisory and brokerage services to individuals, high-net-worth clients, business entities, non-profit organizations, and financial institutions. The firm employs both model-based and customized investment approaches, offering portfolio management, financial planning, and access to third-party managers.

Paul Kuleska is a financial advisor with Santander Securities LLC and holds a Series 66 designation. He has nine years of industry experience and has previously worked at PNC Investments, Capital One Advisors, and Cetera Investment Services among other firms. Outside of his advisory role, he assists with maintenance of a rental property owned by his spouse. Santander Securities LLC serves a broad retail client base with approximately $3.14 billion in regulatory assets under management across about 10,800 client relationships. The firm provides investment advisory services, portfolio management through wrap-fee programs, and access to securities-based lending and insurance products.

Clayton Fillian is a financial advisor at Verity Asset Management with two years of industry experience. He holds a Series 65 designation and has worked at Verity since 2023. In addition to his advisory role, Fillian is an insurance agent involved with Teacher's Pension and Insurance Services, Inc., and participates as a partner in New Jersey Public Employee Educators, LLC, a marketing agency focused on educating public employees about pensions, Social Security, life insurance, and annuities. Verity Asset Management is an SEC-registered investment adviser that provides discretionary portfolio management, model portfolio services, retirement-plan advisory, and financial planning to individual, corporate, and institutional clients. The firm employs a model-driven investment process emphasizing tactical asset allocation across multiple asset classes, combining fundamental, technical, and qualitative analysis, and offers both internally managed specialty models and third-party manager models.

Christopher Matseur is a financial advisor with StoneX Advisors Inc. in Brick, NJ, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with StoneX Advisors since 2015 and StoneX Securities since 2014. Outside of his advisory role, Matseur serves as Treasurer for both the Brick Township District Fire Commissioner and Herbertsville Fire Company, and he is also a wedding officiant. StoneX Advisors Inc. serves individuals, corporations, retirement plans, and charitable organizations by providing portfolio management, financial planning, ERISA plan consulting, and related services through independent advisors and an in-house Private Client Group. The firm utilizes multiple account structures and model-based solutions, implementing strategies via proprietary models and third-party money managers, supported by platforms like Envestnet and Advyzon.