Julie Marks is a financial advisor with Charles Schwab in Freehold, NJ, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Charles Schwab since 2013. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by in-house research.

Desislava Maloney is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo in various capacities since 2013. 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 approximately $671 billion in assets and provides both brokerage and advisory solutions.

Kenneth Reilly is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

Pragati Gautam Sharma is a financial advisor at OSAIC with 38 years of industry experience. She holds a Series 63 designation and has previously worked at Securities America Advisors, Inc., Investacorp Advisory Services, and Investacorp, Inc. In addition to her advisory role, she assists clients with insurance needs through an agent capacity. OSAIC serves a broad mix of retail and institutional clients, offering both brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, and supports a variety of client segments including high-net-worth individuals, retirement plans, charities, and corporate clients.

Michele Ciacma is a financial advisor with Morgan Stanley, holding Series 65 and Series 63 licenses and bringing 39 years of industry experience. She has been with Morgan Stanley Smith Barney 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 through structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Peter Pabon is a CFP®-designated financial advisor with 37 years of industry experience. He is currently with Cetera and has prior experience at Cetera Advisors LLC and Lincoln Investment Planning Inc. In addition to his advisory role, he is involved with SAFE HARBOR FINANCIAL LLC, a financial services firm. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Danielle Herman Knotz is a financial advisor at Morgan Stanley in Shrewsbury, NJ, with 16 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2013 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct individual relationships and corporate financial planning agreements.

John Abadiotakis is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, combining research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory.

Christopher Caputo is a financial advisor at Cetera with 39 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at National Asset Management, National Securities Corp, and ownership of Caputo Asset Management, an expense management LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various investment management and financial planning services through a multi-manager platform with more than 10,000 advisors and over $256 billion in assets under management.

Michael Sawyer is a financial advisor with Morgan Stanley who holds Series 63, Series 66, and Series 65 credentials and has 45 years of industry experience. He has been affiliated with Morgan Stanley and its related entities since 2003. Outside of advising, he is involved in managing real estate investments in Spring Lake, NJ, and Miami, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process using firm-approved tools and provides comprehensive investment services through its broad platform.

Jason Mctaggart is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Merrill, Banc of America Investment Services, and Quick & Reilly. Outside of his advisory role, he is involved with The Child Wellness Institute, where he reviews financial goals and funding strategies. Wells Fargo Advisors is an institutional broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad menu of planning services supported by Wells Fargo research and tools, with a focus on discrete planning engagements across various specialized areas.

James Mccormick is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and bringing 13 years of industry experience. He has been with Raymond James since 2016. Outside of his advisory role, he is also involved as an associate employee with Saddle River Holdings Group 2. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to individual, high-net-worth, corporate, pension, charitable, and institutional clients. The firm offers tailored, non-discretionary planning supported by analytical modeling and supports clients through various advisory programs and institutional consulting.

Christopher Andreach is a CFP® professional with 31 years of industry experience. He is currently with RBC Capital Markets and has previously worked at City National Bank, UBS Financial Services, and RBC/City National Bank. He serves as a board member of the Monmouth Arts Council of Red Bank, where he participates in event organization and strategic planning for the foundation. RBC Wealth Management, a division of RBC Capital Markets, provides advisory and brokerage services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored investment strategies through various advisory programs and integrates both in-house and third-party managers to meet client objectives.

Joseph Buccheri is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. His prior experience includes a decade at Bank of America N.A. and Merrill Lynch, Pierce, Fenner & Smith Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a broad range of integrated custody, brokerage, and advisory services.

Anne Madden is a financial advisor at LPL Financial with 22 years of industry experience. She previously worked for Royal Alliance Associates, Inc. for 18 years before joining LPL Financial in 2024. In addition to her advisory role, she is an author. 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, model portfolios, third-party asset management, and institutional platforms.

Richard Lober is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America, N.A. and Merrill since 2016, following a four-year tenure at WBI Investments, LLC. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Tricia Victor is a financial advisor at Fidelity with 19 years of industry experience. She holds Series 63 and Series 66 designations and has been with Fidelity Investments since 2007, including roles at Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves in advisory and management roles for registered investment companies and employs systematic methodologies in its model portfolios.

Scott Rast is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 34 years of industry experience. He has worked with firms including VOYA Financial Advisors and has operated Rast Financial Services since 2000. Outside of his advisory work, Rast is also a musician who performs at benefits, local taverns, and wineries. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, catering to diverse investment needs and program structures.

Rhonda Wind is a financial advisor with Cetera, holding Series 63, Series 65, and Series 66 licenses and possessing 33 years of industry experience. Her prior roles include positions at Morgan Stanley and Jalinski Advisory Services. Outside of her advisory work, she is employed as a store associate at Ralph Lauren and is a commissioned notary public. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting a diverse range of investment strategies and program structures.

Ricardo Lee is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with J.P. Morgan Securities since 2012 and concurrently with JPMorgan Chase Bank, N.A. since 2006. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates centralized due diligence with both quantitative and qualitative research, incorporating an ESG eligibility framework in its recommendations.