Karin Mikula is a financial advisor at UBS Financial Services with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has been with UBS since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of financial planning and portfolio management solutions, supported by proprietary research and a broad platform of capital markets services.

Kyle Payne is a Senior Financial Advisor at The Payne Perry Group, part of Merrill Lynch Wealth Management. He joined the team in May 2018 and focuses on goals-based wealth management to assist individuals, families, physicians, retirees, private businesses, and non-profit organizations in achieving their financial objectives. Kyle and his team leverage the resources of Merrill Lynch and Bank of America to develop customized strategies that align with clients' short and long-term goals while managing risk. Kyle has been involved in the financial industry for over a decade, driven by a passion for quality wealth management stemming from observing the financial crisis of 2007-2008 and its impact on loved ones' wealth. He graduated in 2015 from the University of Delaware with the first Financial Planning degree offered by the Alfred Lerner College of Business and Economics. Kyle holds the Accredited Asset Management Specialist (AAMS) and Chartered Retirement Planning Counselor (CRPC) designations from the College of Financial Planning Institutes Corp, as well as the Personal Investment Advisor (PIA) credential. Residing in Shark River Hills with his wife and daughter, Kyle brings a disciplined and methodical approach to financial planning, emphasizing thorough preparation and risk management. His client focus areas include college education planning, family wealth management, legacy planning, liquidity management, retirement income, portfolio management, and tax minimization.

Joseph Pitch is a CFP® professional with 34 years of industry experience, currently with LPL Financial since 2021. He previously worked at Cadaret, Grant & Co., Inc. for over 20 years and operated Pitch Financial Services LLC during that time. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and brokerage services supported by internal and third-party research, with both discretionary and non-discretionary management options.

Elizabeth Shouvlin is a financial advisor with Edward Jones, holding a Series 66 designation and bringing two years of industry experience. Prior to joining Edward Jones in 2021, she held positions in hospitality and arts management. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard, supported by a large network of financial advisors and branch offices nationwide.

Gregory Wagner is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and has experience with Citigroup Global Markets Inc dating back to 2008. 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 customized financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory services.

Alyssa Scardelli is a financial advisor with UBS Financial Services and holds a Series 66 designation. She has 13 years of industry experience, including prior roles at Goldman Sachs, Bank of America, and Merrill. Outside of her advisory work, she is involved as an incorporator and member of an LLC related to personal property management. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates proprietary research and institutional trading capabilities within its wealth management services.

James Alario is a Planning Consultant currently working at Fidelity Investments since 2023. He has extensive experience in the financial services industry, having previously served as a Financial Solutions Advisor at Bank of America Merrill Lynch from 2017 to 2023, and as a Registered Client Service Associate at Oppenheimer & Co., Inc. from 2011 to 2017. Throughout his career, James has focused on helping clients pursue their financial goals by building meaningful relationships and providing tailored guidance based on individual client needs. He is committed to continuing his professional development through further education and certifications to enhance his expertise and advance his career.

Shannon Ricciardi is a financial advisor at Morgan Stanley in Red Bank, NJ, with seven years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009. 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, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets.

Zachary Brown is a financial advisor with LPL Financial and holds a Series 66 designation. He has eight years of industry experience, including prior work at Cadaret, Grant & Co., Inc. and Chow Now. He serves as president of the Atlantic Highlands First Aid Rescue Squad, a nonprofit organization. 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 representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party strategies.

Carlie Zeidler is a financial advisor with LPL Financial in Manasquan, NJ, holding a Series 66 credential and beginning her advisory career in 2025. Her background includes roles in education at Monmouth University and Point Pleasant Borough School District, as well as experience in legal and legislative positions. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Daniel Lloyd Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving as a core advisor on the Napoli Lloyd Group team. He began his career as a summer intern with the group in 2015 while attending Rutgers University, and has since advanced to his current role focused on delivering comprehensive wealth management strategies to high-net-worth individuals and families. He specializes in simplifying complex financial decisions by aligning investment strategy, cash flow planning, and long-term objectives to help clients preserve and grow wealth across generations. His client focus areas include family wealth management strategies, legacy planning, managing new wealth, and personal retirement planning. Daniel completed Merrill's Financial Advisor training program in 2023 and holds the designations of Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). Raised in the Shrewsbury and Red Bank area of New Jersey, Daniel takes pride in serving his local community and is involved with professional organizations such as the Monmouth Beach Fire Company and Red Bank Elks. Outside of his professional work, he enjoys golfing, cooking, traveling, and spending time with friends and family at the beach.

Michael Pascale is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Pascale serves as a financial stability mentor and instructor for Catholic Charities in Washington, DC, providing education on budgeting and personal finance. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Anthony Cusanelli is a Senior Financial Advisor with Merrill Lynch Wealth Management. He assists individuals and families in reaching their financial goals through personalized wealth management strategies that adapt to evolving market conditions. His approach integrates insights from Merrill's investment expertise and the financial products of Bank of America. Anthony has developed considerable market knowledge throughout his dynamic career on Wall Street, building trusted relationships with C-level executives, institutional analysts, and high-net-worth individuals. He specializes in areas such as college education planning, corporate executive services, family wealth management, portfolio management, socially responsible investing, and strategies tailored to small businesses, sports, and entertainment sectors. He holds a Bachelor's Degree from Kings College and the Personal Investment Advisor (PIA) designation. Outside of his professional life, Anthony enjoys adventure sports, chess, ice hockey, soccer, tennis, volleyball, and spending time with his family.

Christopher Bonfiglio is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 15 years of industry experience. His prior work includes roles at Avantax Advisory Services and Advisor Group, among others. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients, including individuals, retirement plans, and institutional accounts. The firm offers diversified portfolio management and financial planning through a multi-manager platform with access to both affiliated and third-party managers.

Ellen Vetromile is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2018, she worked at Wells Fargo Clearing and Credit Suisse Securities (USA) LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market modeling techniques.

Joseph Zaccardo is a financial advisor with Ameriprise in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he serves on the Monmouth County Executive Committee and coaches private boxing lessons at the Middletown Boxing Club. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice, emphasizing assets managed within Ameriprise accounts and using algorithmic tools overseen by a dedicated committee.

Joseph Perna is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 credentials and bringing 30 years of industry experience. His career includes positions at Prudential Insurance Company of America, Wells Fargo & Co., and several advisory firms. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products via an integrated platform.

Michael Lomet is a Series 66-licensed financial advisor with Cetera, based in Manasquan, NJ, and has two years of industry experience. His prior work includes roles at LPL Enterprise, The Prudential Insurance Company of America, Pruco Securities LLC, and Bank of America. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Melissa Lannon is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2011. In her role, she partners with high-net-worth clients and their families to build, manage, and preserve wealth. She leverages over 25 years of industry experience to provide guidance in investment strategies, retirement planning, income protection, long-term care, and tax-efficient investing. Prior to joining Fidelity Investments, Melissa held several positions in the financial services industry, including Vice President and Regional Manager at J.P. Morgan Asset Management from 2003 to 2010, Financial Advisor at Edward Jones Investments from 2002 to 2003, and Internal Wholesaler at Lord Abbett from 2000 to 2002. Outside of her professional work, Melissa enjoys gardening, outdoor adventures, and snowboarding.

Robert Powell is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019. Prior to that, he held roles at Bank of America, Merrill, and Santander Securities. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory model. The firm integrates quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.