Bryan Telzer is a financial advisor with Mass Mutual Investors Services, holding a Series 66 credential and bringing 10 years of industry experience. He previously worked at Metlife Securities before joining Mass Mutual in 2017. Outside of his advisory role, he is a silent partner and investor in SparqX Marketing, LLC, a startup focused on marketing, event planning, social media, and branding. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured planning engagements using firm-approved software and generally recommends investment strategies without discretionary authority.

Brandon Mckown is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following prior roles at Wachovia Bank, N.A. and Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and both brokerage and advisory solutions. The firm uses research and analytics from its investment institute and third-party sources to evaluate investment options based on diversification and portfolio theory.

Wendy Murphy is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, and at Morgan Stanley Smith Barney since 2009. Prior to Morgan Stanley, she was with Citigroup Global Markets from 2005 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and specialized planning groups.

Mark Cremonni is a financial advisor with Merrill in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been associated with Merrill since 1980 and Bank of America since 2011. Outside of his advisory work, he serves as a committee member for St. John's Feed the Hungry Soup Kitchen in Newark, focusing on assistance for underserved populations. Merrill, along 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, implementing various portfolio management approaches with support from internal and third-party managers.

Gregory Bertagna is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 35 years of industry experience. He previously worked at Voya Financial Advisors and operated Bertagna & Associates for nearly three decades. His other activities include managing a non-variable insurance business under Dominion Financial Group, Ltd. 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 advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive technology and a large network of over 22,800 advisors.

Gregory Spicer is a CFP® professional with 45 years of experience in the financial industry. He has worked at LPL Financial since 2018 and previously spent 26 years at Cadaret, Grant & Co., Inc. In addition to his advisory work, he owns Coordinated Insurance Agency, Inc. and is involved with Tower Video, Inc. 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 range of advisory services and platforms, including financial planning, model portfolios, third-party asset management, and institutional programs, supported by extensive advisor tools and a broad non-advisory financial services platform.

Francis Hackett is a financial advisor at LPL Financial with 13 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Lincoln Financial Advisors Corporation and Compass. Outside of advisory work, he is involved in tax preparation and accounting services and also works part-time as a delivery driver. 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 technology tools and a broad spectrum of non-advisory financial services.

Mark Lauricella is a financial advisor at Morgan Stanley in Red Bank, NJ, with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2018, including one year with Morgan Stanley Private Bank, N.A., and previously spent four years at Bloomberg LP. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and investment modeling. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Christopher Maiurro is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His prior roles include positions at Bank of America, Merrill, and Atlas Insight LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Altschuler is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory work, he serves as a caregiver to his daughter through his involvement with Caring With Compassion in Red Bank, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services that include retirement, education, and special-needs analysis, using Wells Fargo research and planning tools to develop tailored recommendations for clients.

Aksel Yavalar is a financial advisor at Morgan Stanley with 17 years of industry experience and holds Series 63 and Series 66 licenses. He has worked at Morgan Stanley since 2016 with intervals at Raymond James & Associates and Locust Wood Capital Advisers. Outside of his advisory role, he is the general partner and owner of 1623 Park Avenue LLC, overseeing investments in a multi-family apartment building, and is also an owner of Keauty LLC, a business managed independently by his wife. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides both direct client service and corporate financial planning agreements.

John Grande Jr. is a CFP® professional with 44 years of experience in the financial services industry. He is currently with Raymond James Financial Services Advisors, Inc., where he has worked since 2019, following prior roles at Cetera Advisor Networks LLC, Summit Financial Group Inc., Wells Fargo Advisors, and his own firm, Grande Financial Services, Inc. He maintains a support role with Grande Financial Services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports both advisory programs and institutional portfolio management, with additional municipal and public finance advisory services.

Nicholas Schwed is a financial advisor with Merrill and holds the Series 66 designation. He has three years of industry experience and has worked at Bank of America and Merrill since 2022. His background also includes roles in educational and community organizations, such as Rutgers University and the Somerset Hills YMCA. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Lupi Jr. is a financial advisor with Equitable Advisors in Colts Neck, NJ, holding Series 63 and Series 65 designations and 40 years of industry experience. His career includes roles at Stifel Independent Advisors, Ameriprise Financial Services, Wells Fargo Advisors, and UBS Financial Services. Outside of his advisory work, he is a Managing Director at Client First Financial, LLC. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through various advisory programs and third-party managers.

Vincent Passariello is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Waddell & Reed, Inc. for 23 years and at Avantax Advisory Services for six years. In addition to his advisory roles, he owns and operates a tax preparation service. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports various program structures and investment strategies.

Terrence Carey is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 39 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Outside of his advisory roles, he has ownership interest in a residential real estate business. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to deliver written recommendations in collaborative, ongoing client relationships.

Victor Roccki is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 37 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he spent 16 years at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutional clients, including financial planning services supported by structured tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-sponsored financial planning solutions.

Nicole Mcgrouther is a financial advisor at Raymond James Financial with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC for 22 years before joining Raymond James Financial Services Advisors Inc. in 2017. Outside of her advisory role, she owns a support company used for payroll purposes. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports its advisory network with various specialized programs and services.

Jonathan Pierro is a financial advisor with LPL Enterprise, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Enterprise, he worked at Deloitte LLP for two years and has experience at RSM LLP and Morgan Stanley. 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 access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Karen Rodriguez is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Red Bank, New Jersey. She brings over twenty-five years of experience in the financial industry, specializing in areas such as executive compensation, family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, and tax minimization. Karen works with a diverse clientele including corporate executives, financial services professionals, entrepreneurs, and individuals navigating key life transitions. Her approach involves building strong relationships and providing customized strategies that align with each client’s unique goals, resources, and aspirations. Karen holds an M.B.A. in Finance from The University of Chicago Booth School of Business and a B.A. in Economics from Lafayette College. She has earned the Chartered Financial Analyst (CFA) designation as well as the Personal Investment Advisor (PIA) designation. In addition to her advisory work, Karen is involved with several organizations, including serving as the Merrill Ambassador for her local chapter of the National Association of Women Business Owners and participating in the Bank of America Women’s Exchange. She resides in Fair Haven, New Jersey with her husband and three children, and her personal interests include running, cycling, cooking, tennis, traveling, and spending time with her family. Karen is also engaged with community organizations such as Impact 100 Jersey Coast and the Monmouth Conservation Foundation.