Stewart Ritter is a financial advisor at Wells Fargo Advisors with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors since 2024, following eight years at Wells Fargo Clearing and a year at Prudential Equity Group. Outside of his advisory role, he conducts fitness and aerobics classes at the Westfield YMCA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and fee-based financial planning services. The firm offers tailored recommendations supported by proprietary research and planning tools, with planning engagements typically structured as discrete projects.

Christopher Parmer is a financial advisor with Morgan Stanley, holding a Series 66 designation and over 23 years of industry experience. He has been with Morgan Stanley since 2013 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Thomas Vastardis is a financial advisor at Cetera with 28 years of industry experience. He holds the Series 63 designation and has worked at Avantax Investment Services, Inc. for 27 years before joining Cetera in 2025. In addition to his advisory work, he provides income tax preparation and accounting services through his business, Thomas Vastardis & Associates. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party investment options.

James Hoffman is a financial advisor with Cetera, holding Series 63, 65, and 66 registrations and 30 years of industry experience. His prior work includes roles at National Asset Management and National Securities Corporation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party and affiliated investment strategies.

William Baxter is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing 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 roughly $671 billion in assets and offers both brokerage and advisory solutions.

Joseph Debonis Sr. is a financial advisor at Raymond James & Associates with 32 years of industry experience. He holds a Series 63 designation and previously worked at Wells Fargo Clearing for six years and was involved with J&J Marine Electronics for nearly three decades. Raymond James & Associates, Inc. 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 municipal entities, and offers financial planning, investment consulting, and institutional advisory services through a range of portfolio management styles and affiliated research.

James Ramentol is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 13 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. 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 and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by technology and a broad non-advisory financial services platform.

Joshua Simpson is a financial advisor at Morgan Stanley in Holmdel, NJ, holding a Series 66 license with three years of industry experience. Prior to joining Morgan Stanley in 2023, he served 20 years in the U.S. Army. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and analytical tools to model outcomes, serving clients through both direct and corporate financial planning agreements.

Julia Sternik is a Financial Consultant at Fidelity Investments, where she provides clients with planning and guidance to support their long-term and short-term financial goals. She has been with Fidelity since 2022, progressing through roles including Relationship Manager and Planning Consultant before assuming her current position in 2025. Prior to joining Fidelity, Julia worked as a Platform Consultant at Clark Capital Management Group from 2020 to 2022. Her professional experience encompasses client relationship management and financial planning, enabling her to assist clients in working towards financial success. Outside of her professional responsibilities, Julia enjoys activities such as spending time at the beach, cooking and baking, engaging in family activities, fitness, and traveling.

Giovanni Santillo is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds a Series 63 designation and previously worked at Citigroup Global Markets for 13 years before joining Wells Fargo in 2020. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets through over 14,000 financial advisors, offering both brokerage and advisory solutions.

Keith Motusesky is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Columbia Bank, Cetera Investment Services, Allstate Financial Advisors, and running his own firm, Motusesky Financial Group, for 15 years. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships, utilizing firm-approved software tools and offering specialized planning programs such as divorce and estate-settlement planning.

Brett Pandelo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 20 years of industry experience. He previously worked at Morgan Stanley for 15 years before joining Wells Fargo Clearing in 2024. Outside of his advisory role, he owns BAP Capital LLC, a limited liability company established to hold real estate. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics grounded in diversification principles and modern portfolio theory.

David Grazi is a financial advisor with Mass Mutual Investors Services in Iselin, NJ, holding Series 63 and Series 65 licenses with five years of industry experience. Prior to joining Mass Mutual Investors Services in 2020, he worked at MassMutual Life Insurance Co and gained experience in business consulting and strategic advisory for companies and entrepreneurs outside the financial sector. He also engages in life insurance sales as an independent agent. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers with comprehensive financial planning, asset management, and educational services.

Paul Favours II is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 licenses and 32 years of industry experience. His prior roles include positions at Merrill, Banc of America Investment Services, Inc., and Quick & Reilly, Inc. Outside of his advisory work, he owns and manages an investment-related LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, leveraging research and analytics to support diversified investment solutions.

Michael Bassett is a financial advisor at Equitable Advisors with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equitable Advisors since 2004, including its predecessor AXA Advisors. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Anthony Morrone is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has worked with Cetera Advisors LLC since 2019 and is also involved with Hudson Wealth Management LLC as a financial advisor. Additionally, he operates a fixed insurance business offering life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and consulting services, leveraging affiliations and program options across discretionary and non-discretionary accounts.

Susan Regan is a Senior Financial Advisor at Merrill Lynch Wealth Management. In her role, she offers a comprehensive approach to managing wealth that begins with listening to clients' needs and ensuring every strategy is grounded in understanding their goals. She provides access to Merrill's investment insights and the banking services of Bank of America to address various aspects of clients' financial lives. Susan holds a Master's Degree from Rutgers University and a Bachelor's Degree from Seton Hall University. She is a Personal Investment Advisor (PIA) by designation. She participates in community service aligned with Merrill's tradition, volunteering with organizations such as the Eatontown Food Pantry, the Erica Lenore Diedrichsen Butterfly Memorial Foundation, and the Monmouth County Republican Club.

Sean Allen is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 65 and Series 66 licenses and has previously worked at UBS Financial Services, Fidelity Brokerage Services, Bank of America, Merrill Lynch, Ernst & Young Investment Advisers, and SEI Investments Management. Outside of finance, he has experience working with Lyft, Uber, and youth soccer organizations. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by in-depth research and analytics.

Clayton Collins is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63, 65, and 66 licenses and bringing 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2019, following five years at American Century Investment Services. Collins also serves as a trustee in investment-related trusts. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, including customized financial planning and estate strategies. The firm manages trillions in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Brian Mc Nally is a financial advisor with Merrill in Red Bank, NJ, holding a Series 66 designation and 21 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2012. Outside of his advisory role, he serves as an advisory board member for the Colts Neck Recreation Committee, where he helps design and implement sporting and recreational activities for the community. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary strategies for individual, high-net-worth, and institutional clients.