Paul Lobosco is a financial advisor at Cetera with 35 years of industry experience. He holds the Series 63 and Series 66 licenses and has previously worked at I C Advisory Services, Inc. and The Investment Center, Inc. Lobosco is also the president of Forward Capital Management, LLC, a financial services firm, and is a co-founder and director of American Health Revolution, where he participates in organizational leadership and volunteer coordination. Cetera Investment Advisers LLC serves individual, corporate, and institutional clients through a nationwide network of independent advisors, offering a range of portfolio management and financial planning services. The firm operates a multi-manager platform with access to affiliated and third-party managers, managing over $256 billion in assets.

James Varzal is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 38 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. for six years, Royal Alliance for one year, and Petersen Investments, Inc. for four years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Theodore Thiro is a financial advisor at LPL Financial with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with both LPL Financial and Flagstar Bank N.A. since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Dylan Mc Laughlin is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping individuals and families pursue their financial goals through customized planning and proactive guidance. Dylan works closely with clients to develop strategies that address short-, mid-, and long-term objectives, providing ongoing advice and adapting portfolios as clients' situations evolve. His areas of expertise include divorce transition planning, education planning, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, and tax minimization. Dylan holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Pennsylvania State University. Outside of his professional role, Dylan's personal interests include basketball, golfing, hiking, reading, spending time with his family, and watching movies.

Lance Hubeny is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 designations and possessing 43 years of industry experience. He has been with Ameriprise since 2016, currently based in Red Bank, NJ. Outside of his advisory role, he is involved in CPR instruction and works in sales and customer service for a business called We Shoot. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning, combining investment research and algorithmic tools to provide tailored withdrawal strategies and Social Security guidance.

Lucas De Pofi is a financial advisor with UBS Financial Services, holding a Series 66 designation and five years of industry experience. Prior to joining UBS in 2022, he worked at Merrill from 2020 to 2022. His background also includes roles outside finance, such as positions at Chenango Contracting LLC and Coastal Carolina University. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory solutions, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans to clients' goals and risk tolerances.

Richard Gubitosi is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Prior to his financial services career, he was involved with Luigi's Famous Pizza & Restaurant. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and structured processes in its financial planning services.

Jeffrey Vogel is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related products and bank deposit sweep options.

Michael Bleke is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 21 years of industry experience. He has been with Equitable Advisors since 2004, including its predecessor Axa Advisors. Outside of his advisory role, he owns MB Luxury Auto Group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk profiles.

Jeremiah Mc Namara is a financial advisor with Wells Fargo Clearing, holding a Series 63 credential and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Jonathan Curatola is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Red Bank, NJ. He focuses on delivering personalized wealth management strategies that align with his clients' financial goals. Utilizing the investment resources of Merrill and the banking solutions of Bank of America, he aims to provide comprehensive advice and guidance for various financial needs. Jonathan's expertise includes college education planning, family wealth management, liquidity management, retirement planning, and tax minimization, among other areas. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned both his Bachelor's and Master's degrees from Saint John's University. In addition to his professional commitments, Jonathan participates in community volunteer activities, reflecting the Merrill tradition of community involvement. His personal interests include boating, cooking, football, golfing, and spending time with his family.

Chantley Thomas is a financial advisor at Primerica Advisors with industry experience spanning one year. Thomas holds Series 65 and Series 63 licenses and has prior work experience at Bristol Myers Squibb, Iqvia, Campbell University College of Pharmacy, and CVS Pharmacy. Outside of financial advising, Thomas is president of Thomas Multiservices LLC, a non-investment-related business. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm relies on model-delivery strategies managed by unaffiliated asset managers and supports clients through a network of nearly 3,700 advisors and over $15 billion in assets under management.

James Holman is a financial advisor at Merrill with a Series 66 designation and experience totaling eight years at Merrill Lynch, Pierce, Fenner & Smith Inc., supplemented by prior roles at Wells Fargo Bank N.A. and Bank of America. He also has a 15-year history teaching at Ocean County College. Outside of his advisory work, he manages a rental property in Toms River, NJ. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers a variety of model-based and discretionary investment strategies integrated with Bank of America's broader platform.

Minjie Jiang is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, Minjie works closely with clients to understand their priorities and develop personalized investment strategies aimed at pursuing their financial goals. Minjie provides guidance on a range of financial matters, including general investing, retirement planning, and saving for unforeseen events, and facilitates access to banking and lending services through Bank of America. Minjie holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Minjie earned a Bachelor's Degree from the University at Buffalo. Fluent in English, Mandarin, and Chinese, Minjie emphasizes building strong client relationships through attentive listening and ongoing advice as clients’ needs evolve.

Tara Mundorff is a financial advisor with UBS Financial Services in Red Bank, NJ, holding a Series 66 designation and 15 years of industry experience. She has been with UBS since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad range of capital markets activities.

Dominic Lopiccolo is a CFP® and ChFC® with 39 years of industry experience, currently serving with Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Dominic volunteers with the CFP Board, providing financial planning education to low-income individuals. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and customized investment strategies.

Robert Romano is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at UBS Financial Services Inc. for nine years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Thomas Musumeci is a financial advisor at LPL Financial with 31 years of industry experience. He has held roles at Royal Alliance Associates from 2006 to 2024 before joining LPL Financial. Musumeci holds Series 63 and Series 66 credentials. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party providers.

Donald Witkowski is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Merrill Lynch Pierce Fenner & Smith, among others. He serves as an advisory board member for the University of Delaware. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Kai Chen is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020. Prior to his financial services career, he held roles at HomeGoods and Ikea. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage, distribution, and investment management functions.