Lawrence Jay is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for 11 years before joining Wells Fargo in 2021. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Rexhep Capri is a Financial Advisor with Merrill Lynch Wealth Management, specializing in working with professionals, entrepreneurs, business owners, and families facing complex financial situations. He focuses on client areas such as corporate benefits, executive services, divorce transition planning, equity compensation services, personal retirement planning, portfolio management, small business strategies, and tax minimization. Rexhep's approach involves careful analysis, clear communication, and strategic planning to help clients make informed decisions aligned with their priorities. Before becoming a financial advisor, Rexhep gained experience in real estate valuation and investment, providing him with practical knowledge of property analysis, ownership, and management. His background encompasses investment research, portfolio analysis, risk management, and insurance planning. Rexhep studied economics and finance and began his advisory career at Northwestern Mutual before joining Merrill. He is a Personal Investment Advisor (PIA) and attended Pace University without earning a degree. He holds a High School Diploma from Monsignor Farrell High School. Outside of his professional duties, Rexhep enjoys a range of outdoor activities including adventure sports, biking, fishing, golfing, hiking, hunting, skiing, and traveling. He is fluent in English and Albanian.

Terrence Dotzler is a Series 66-licensed financial advisor with Morgan Stanley in Red Bank, NJ, possessing 19 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the Finance Committee of St. Leo the Great Parish in Lincroft, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and provides financial planning using structured discovery processes and firm-approved tools.

Anthony Rosso is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has held roles at firms including Newbridge Securities Corporation, LPL Financial, and Regal Securities. Outside of advisory work, Rosso serves as a consultant for Aspargo Laboratories, a drug manufacturer and distributor. 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 financial planning services through a multi-manager platform that supports both discretionary and non-discretionary accounts.

Leslie Tuthill is a Senior Financial Advisor with Merrill Lynch Wealth Management. She works with high net worth individuals and their families to develop personalized wealth plans. Leslie’s approach centers on carefully listening to clients’ needs and risk tolerance to construct and oversee portfolios tailored to their unique goals. With over 45 years of experience in the financial services industry since 1976, Leslie joined Merrill Lynch in 1996. She has expertise in family wealth management strategies, personal retirement planning, portfolio management, and retirement income, and has guided clients through multiple complex market cycles. Leslie holds the Chartered Retirement Planning Counselor™ designation, CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA) credentials, as well as the Series 7, 63, and 65 FINRA registrations. She earned a bachelor's degree from Mount Holyoke College. Leslie resides in Oceanport, New Jersey, and is active in her community as a member of St. George’s By-The-River Church and the Navesink Garden Club. Her personal interests include antiquing, gardening, music, reading, and spending time with family.

Daniel Karstadt is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He previously worked at UBS Financial Services and held roles at various firms including McQueen Kalligan Insurance Services and Northwestern Mutual. Karstadt has been with Morgan Stanley since 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized groups such as its Estate Planning Strategies Group.

Roger Curylo is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Fidelity Investments, and National Financial Services LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a financial planning process that uses structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Meghan Phillips is a financial advisor at OSAIC with Series 65 and Series 63 credentials and four years of industry experience. She is also the owner of two childcare businesses, Kidematics LLC and Young Hearts LLC, which provide programs and care for children ranging from six weeks to school age. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers a broad range of brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across multiple asset classes.

John Rankin is a CFP® professional with six years of industry experience, currently with Charles Schwab in Red Bank, NJ. His career includes roles at Charles Schwab Bank, TD Ameritrade, Fisher Investments, Wells Fargo, and AXA Advisors. Prior to his financial services career, he worked in the home improvement industry for over a decade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions using multi-asset model portfolios, supported by centralized custody, order routing, and due diligence on alternative investments.

Ryan Desarno is a financial advisor with Wells Fargo Clearing based in Oakhurst, NJ, holding Series 63 and Series 65 designations and 12 years of industry experience. He has been with Wells Fargo in various capacities since 2016. 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 combines brokerage and advisory solutions with research-driven investment approaches.

Janet Peterson is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 designations and possessing 24 years of industry experience. Her career includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2018, as well as prior experience at Oppenheimer and E*TRADE entities. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary recommendations and access to discretionary separately managed accounts.

Taylor Felline is a Series 66-credentialed financial advisor with eight years of industry experience, currently with Morgan Stanley in Red Bank, NJ since 2021. Prior to Morgan Stanley, he worked at Glen Eagle Wealth, LLC and spent two years at The College of New Jersey. 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, offering tailored financial planning supported by firm-approved tools and methodologies.

Tina Cilurso is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She previously worked at Wells Fargo Advisors LLC for 12 years before joining Raymond James in 2026. Cilurso serves as an advisory board member for Women at Risk International, where she attends meetings to review financial statements. 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 wide range of clients, including individuals, institutions, pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting through various advisory programs.

Michael Serrapica is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 designations and has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2005. In addition to his advisory role, Serrapica is a Certified Public Accountant and principal of his own CPA firm, Michael Serrapica CPA PLLC, which provides tax and accounting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers across multiple program structures and custodial relationships.

Chayce Ford is a financial advisor at Morgan Stanley in Red Bank, NJ, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2025, he spent seven years with Athletes' Alley. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Ashok Rajan is a financial advisor with LPL Enterprise who holds Series 66 and Series 63 licenses and has 36 years of industry experience. He previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and Janney Montgomery Scott. In addition to his advisory work, he writes lifestyle articles on wine and participates as a speaker on wealth management topics. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party management through an integrated platform combining advisory programs with brokerage and insurance product sales.

Michael Sumi is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with MassMutual Investors Services since 2017 and also works with MassMutual Life Insurance Company. Additionally, he operates as an independent insurance agent selling disability, fixed annuities, property and casualty, and Medicare-related products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, using a collaborative, goal-driven approach with a range of tools for analysis and planning.

Christopher Kinzler is a financial advisor at Mass Mutual Investors Services with five years of industry experience. He holds the Series 66 designation and has worked at MML Investors Services, MassMutual Life Insurance Company, Dow Jones, and the U.S. Soccer Federation. Mass Mutual Investors Services 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, employing tools like Monte Carlo simulations to deliver detailed client recommendations.

Joseph Burgard is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and seven years of industry experience. His prior roles include positions at Wells Fargo Advisors, Santander Bank and Securities, and Hornor Townsend & Kent Inc. Burgard also serves as a notary in Colts Neck, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Albert Rich is a financial advisor at Cetera with 25 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at several firms including Kearny Bank, INVEST Financial Corp., and Investors Bank. He is based in Long Branch, NJ. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to various third-party money managers through a multi-manager platform with discretionary and non-discretionary program options.