Jasmine Muhammad is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds the Series 66 designation and has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Merrill, Bank of America Corporation, Morgan Stanley, Crown Plaza, and Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

William Surdovel is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He worked at Merrill from 1995 to 2009 before joining UBS, where he has been since 2009. Outside of his advisory work, he serves as a football official for NCAA games. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and asset allocation models to tailor client plans.

Nicholas DeFilippis is a Financial Consultant currently working at Fidelity Investments since 2018. In this role, he partners with clients to understand their unique goals and investment objectives, aiming to protect assets, generate income, and facilitate wealth growth and transfer for future generations. His approach involves creating disciplined financial plans to help clients feel confident about their financial futures. Prior to his current position, Nicholas accumulated experience as a Financial Advisor at UBS Financial Services from 2014 to 2018 and at Merrill Lynch from 2011 to 2014. He began his career as a Financial Representative at Guardian Life Insurance in 2009.

Thomas Lord is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 20 years of industry experience. His prior work includes positions at Wells Fargo, Fidelity Brokerage Services, and AAA Mid-Atlantic. He is also active as an investment advisory representative at Rockdale Financial Services, where he performs administrative duties. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with access to various portfolio management strategies, including discretionary and non-discretionary services, leveraging affiliated and third-party managers across multiple program structures.

Jason Fern is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and 31 years of industry experience. He 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, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research, analytics, and diversification principles to support its investment approach.

Daniel Gamble is a financial advisor with Morgan Stanley in Avon, New Jersey, holding a Series 66 credential and 19 years of industry experience. He has been with Morgan Stanley since 2016. Outside of his advisory role, Gamble serves as an officer and trustee for local organizations including the Avon Fire Company and Avon First Aid & Rescue Squad. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a range of services including estate planning and broad investment offerings.

Amanda Toner is a Financial Consultant at Fidelity Investments, a position she has held since 2023. In this role, she collaborates with clients to understand their individual financial needs and leverages her industry experience along with Fidelity's resources to develop comprehensive financial plans tailored to their unique goals and objectives. Prior to joining Fidelity, Amanda accumulated over a decade of experience at BlackRock, where she held several roles including Head of US Relationship Management for Multi-Asset Strategies in 2023, Senior Product Strategist for Model Portfolio Solutions from 2016 to 2022, Portfolio Specialist for Private Investors from 2012 to 2016, and Sales Associate in US Wealth Advisory from 2011 to 2012. Outside of her professional work, Amanda's personal interests include spending time at the beach, exploring food, parenthood, and traveling.

Marion Sommer is a CFP®-designated financial advisor with 26 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and also has experience with Metlife Securities Inc. from 2015 to 2017. 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, wrap and money-manager programs, and educational seminars, focusing on collaborative, goal-based planning without providing investment discretion.

Joyce Wajda is a financial advisor at Merrill with 22 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1986. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jennifer Keiling is a financial advisor at Edelman Financial Engines with 12 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms including APW Capital and EisnerAmper Wealth Management & Corporate Benefits. Keiling has been with Financial Engines Advisors L.L.C. and its affiliated entities in various roles since 2016. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios, supports a large client base through advisor-led and online offerings, and operates a mix of discretionary and non-discretionary programs.

Sean Keating is a CFP® and ChFC® with 24 years of industry experience. He currently serves as a senior financial advisor at Cetera Wealth Services, LLC and is also involved with Rosso Financial Group. Outside of advising, he teaches financial information at Kaplan Financial Education and holds board fiduciary roles with the Association of US Army and the Jersey Shore Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered firm that serves 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 a range of third-party and affiliated managers.

Mark Pellecchia is a financial advisor with Equitable Advisors in Wall, NJ, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors. Pellecchia serves as a public official on the Board of Fire Commissioners in Allenwood, NJ, and is a part-time wildland firefighter with the New Jersey Forest Fire Service. He also holds board and leadership roles at the Spring Lake Golf Club. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm emphasizes matching clients to advisory program models and third-party asset managers and offers a range of investment options including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Jeffrey Brehm is a financial advisor with Ameriprise in Brielle, NJ, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his primary role, he is involved in a partnership with another Ameriprise advisor at Munn and Associates. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional provider.

Matthew Lane is a financial advisor with RBC Capital Markets in Red Bank, NJ, holding Series 63 and Series 66 licenses and possessing 33 years of industry experience. His prior roles include positions at City National Bank, Morgan Stanley Private Bank, and Morgan Stanley Smith Barney. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to client advisory risk profiles.

Robert Zwigard is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked with Linsco / Private Ledger Corp. for 26 years. His other business activities include the sale of group medical insurance and life insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment options, including model portfolio programs and third-party asset management, supported by a large network of investment adviser representatives.

Yitzchak Goldsmith is a financial advisor with Mass Mutual Investors Services, holding CFP® and Series 63 designations and bringing 18 years of industry experience. He has been with Mass Mutual and its affiliated firms since 2015. In addition to his advisory role, he is also engaged as a sales agent in life and group health insurance. 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 provides ongoing financial planning and offers asset management, wrap and money-manager programs, and educational seminars.

Daniel Grieco is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has been with Cetera and its affiliated entities since 2010 and also operates Grieco Financial Solutions LLC. Outside of advisory work, he is employed part-time as a package loader in New Jersey. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, 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 investment strategies through affiliated and third-party managers.

Karen Flannery is a CFP® with 16 years of industry experience, currently with Osaic Wealth, Inc. She previously worked at Lincoln Financial Advisors for 14 years and has held roles at LPL and Planahead Financial Services. In addition to her advisory work, she provides accounting and tax preparation services through her CPA practice, Flannery & Associates LLC, and serves as a trustee for a special needs trust. Osaic Wealth serves a diverse client base including retail and institutional investors, offering both brokerage and advisory services across various financial planning and portfolio management programs. The firm emphasizes model-based asset allocation and portfolio optimization, supported by a multi-advisor platform with access to proprietary strategies and third-party managers.

Philip Rachmelowitz is a financial advisor with Cetera based in Lakewood, NJ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His career includes long-term roles at Avantax Advisory Services, Avantax Investment Services, and Avantax Insurance Agency. In addition to advisory work, he operates a tax preparation and accounting business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports model portfolios, third-party managers, and customized strategies.

Jeff Cafiero is a ChFC® and Series 66 licensed financial advisor with 23 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at A. G. Edwards & Sons, Inc. and Equitable Advisors. He is based in Red Bank, NJ. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and a range of brokerage and advisory solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.