Ralph Gambino is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping clients navigate the complexities of managing their finances, from purchasing a home and saving for college to addressing healthcare needs and caring for elderly parents. Ralph works closely with clients to define their financial goals and develop portfolio strategies designed to help achieve them. He provides ongoing advice and adjusts portfolios as clients' situations evolve. Ralph holds a Bachelor's Degree from the Pennsylvania State University System and a Master's Degree from Felician College. He carries the CERTIFIED FINANCIAL PLANNER (CFP) designation and is recognized as a Personal Investment Advisor (PIA).

Christian Foli is a financial advisor with LPL Enterprise, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has previously worked at TD Ameritrade Inc. for 15 years and has been with LPL Enterprise since 2025. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services, utilizing research, model portfolios, and third-party management in a platform that integrates adviser programs with financial products such as insurance.

Keith Karstadt is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 63 designation and 47 years of industry experience. He previously worked at UBS Financial Services for 25 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models developed by its Global Investment Committee to support client financial goals.

Michael Holden is a Wealth Management Advisor at Merrill Lynch Wealth Management based in Red Bank, New Jersey. He began his career in 2007 and joined Merrill Lynch in 2010. He formed the CH Wealth Management Group in 2018 and works with corporate executives, professional business owners, and limited partners from venture-capital and private-equity funds. Michael collaborates with specialists within Bank of America and Merrill Lynch to develop customized strategies addressing the complexities of clients' financial lives. Michael holds a Bachelor's degree from Franklin & Marshall College and has earned multiple professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), and Chartered Retirement Planning Counselor (CRPC). He was named to the 2025 Forbes "Best-in-State Wealth Advisors" list. Michael is involved with the Franklin & Marshall College New Jersey Alumni Chapter. Outside of his professional activities, he enjoys cooking, football, golfing, skiing, and spending time with his family.

Gustav Fingado IV is a CFP® professional with 42 years of experience in the financial services industry. He is currently with Raymond James & Associates, where he has worked since 2019. His prior experience includes ten years at Bank of America and over four decades at Merrill. 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 diverse client base including individuals, institutions, and public entities, offering financial planning and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Darren Lehrman is a financial advisor with RBC Capital Markets and holds Series 63 and Series 66 licenses. He has 29 years of industry experience, including roles at City National Bank and RBC Capital Markets over the past decade. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients. The firm offers multiple advisory programs that provide portfolio management, financial planning, and brokerage services tailored to each client's risk profile.

Ava Brown is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2025. She has been with Fidelity Investments since 2017, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Ava is focused on working closely with clients to develop and implement financial strategies utilizing Fidelity Investment's resources to achieve their goals. Her professional experience spans several years within Fidelity Investments, where she has developed expertise in financial consulting and investment advisory services. Ava emphasizes attentive listening and collaboration in her approach to client financial well-being. Outside of her professional role, Ava's personal interests include cooking and baking, family activities, fitness, gardening, reading, and skiing.

David Ferrell is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Ameriprise Financial Services from 2015 to 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Victoria Collins is a financial advisor at LPL Financial with 12 years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Advisors and Merrill. Her prior experience includes a 23-year tenure at Merrill before joining her current firm. 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 financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios, research, and various investment strategies.

Justin Lotano is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, he is involved in authoring financial books. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with a range of discretionary and non-discretionary management options supported by proprietary and third-party research.

Gregory Bahary is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2007. Prior to his advisory role, he has been involved as president and consultant of Gossip Records Inc., a record label and music publishing business. Edward Jones is a wealth management firm serving individual and institutional clients with a range of advisory services, including discretionary and non-discretionary strategies, managed accounts, and affiliated mutual funds. The firm has a large national presence with over 23,000 advisors and provides additional capabilities such as trust services and securities-based lending.

Gabriel Simon is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He has been with Wells Fargo in various capacities since 2010. Outside of his advisory role, he holds a 90% ownership interest in a merchant partnership, GSIMON GP, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutions with investment and fee-based financial planning services. The firm offers a broad range of planning options and integrates advisory services with other financial products and referral channels.

Jeffrey Kotch is a CFP® and PFS™ with 25 years of industry experience, currently serving at Cetera. He previously worked at Avantax Advisory Services and Avantax Investment Services, and has been associated with Pierson & Oujo for over two decades. In addition to his financial advisory work, he is a sole-practitioner CPA providing accounting and tax services to individuals and businesses. Cetera Investment Advisers LLC is a nationwide SEC-registered firm supporting over 10,000 advisors and approximately 800,000 clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers as well as customizable investment strategies.

Elizabeth Punzi is a Series 66-licensed financial advisor with Morgan Stanley in Red Bank, NJ, bringing 17 years of industry experience. She has been with Morgan Stanley since 2013, including roles at Morgan Stanley Private Bank, N.A. since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs. The firm offers tailored financial planning and utilizes firm-approved tools and models to support client strategies.

Kenley Ragusa is a financial advisor with Morgan Stanley, holding a Series 66 designation and 20 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2023, he worked at UBS Financial Services from 2009 to 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning and estate strategies, and manages approximately $2.74 trillion in client assets.

Thomas Mc Dermott is a CFP® with six years of industry experience, currently affiliated with Cetera. He has held roles at multiple firms including Avantax and Prudential Advisors. Outside of his advisory duties, he assists with bookkeeping and tax return preparation at MP McDermott & Associates and supports client communications at Zonin Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporations, charities, and institutions. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various discretionary and non-discretionary investment programs.

Anthony Xerri is a financial advisor at Wells Fargo Advisors with one year of industry experience. He has been self-employed as a musician and content creator since 2011, writing, recording, and performing music alongside his advisory role. Wells Fargo Advisors is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services with tailored recommendations supported by Wells Fargo research and planning tools.

Samuel Di Gaetano is a financial advisor with Mass Mutual Investors Services in Wall Township, NJ, holding Series 63 and Series 65 credentials and nine years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Insurance Company since 2017. Outside of his advisory role, he is involved in multiple insurance brokerage activities and engages in energy services referrals for a client’s business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, wrap and money-manager programs, and educational seminars, structuring engagements as annual collaborative relationships using firm-approved analytical tools.

David Krietzberg is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Lincoln Financial Advisors Corp for 19 years before joining LPL Financial in 2024. In addition to his advisory role, he serves as an instructor with the Financial Educators Network. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations. The firm offers a range of advisory programs and financial planning services supported by research and a diversified investment approach.

Wayne Londregan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory work, he owns and operates a photography business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets and employing over 14,000 advisors.