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.

Daniel Harper is a financial advisor with Ameriprise, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2015. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Darrion Carrington is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked primarily at Morgan Stanley and its Private Bank since 2021. Outside of his advisory role, he is involved as an employee in a labor and service organization related to the NJSIAA IAABO SHORE 194 in Ocean, New Jersey. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers planning services that emphasize structured discovery and outcome modeling without providing individual security recommendations as part of standalone plans.

John Turi is a financial advisor with Ameriprise, holding the ChFC® designation and Series 63 and 65 licenses, and has 34 years of industry experience. He has been with Ameriprise Financial Service, LLC since 1992 and previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside his advisory work, he is CEO of JT & Associates, LLC, a financial advisory firm. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that provides written recommendation reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored advice, primarily for clients with significant investable assets.

Kevin Spencer is a financial advisor at Charles Schwab with 34 years of industry experience. He has worked at Charles Schwab since 2007 and holds the Series 63 and Series 66 designations. 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 offers both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Michael Bergin is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and possessing 40 years of industry experience. He has worked with Cetera and its affiliates since 2022 and previously held roles at National Asset Management and National Securities Corp. Outside of advising, he is the owner of a digital self-publishing business and the sole managing member of Havana Dublin Capital, LLC, which is involved in expense management. Cetera Investment Advisers LLC serves individual and institutional clients nationwide through a multi-manager platform that offers a range of portfolio management and retirement services. The firm supports various investment strategies, including model portfolios, third-party managers, and bespoke approaches, overseeing more than $256 billion in assets with over 10,000 advisors.

Bert Hor is a financial advisor with Ameriprise in Voorhees, NJ, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-assisted advice primarily for clients with substantial assets managed within Ameriprise.

Bruce Kennedy is a financial advisor with Raymond James & Associates in Tinton Falls, NJ, holding Series 63 and Series 65 licenses and 18 years of industry experience. He previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney. Outside of his advisory role, he is a partner in a canned cocktail company developed by his wife. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning, investment consulting, and institutional advisory services through a range of portfolio management styles and affiliated research.

Lawrence Mieras Jr. is a financial advisor at Osaic Wealth with 43 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for American Portfolios Financial Services for 23 years. Outside of his advisory role, he serves as president of MFI Retirement Planning Associates, an insurance business. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, wrap portfolios, UMA strategies, and retirement plan consulting. The firm’s investment approach relies on model-based asset allocation and portfolio optimization supported by various analytical tools and multiple affiliated entities.

Joseph Curcio is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has worked with Cetera and its affiliates since 2013 and operates an independent insurance agency offering disability, annuity, life, accident, health, and long-term care products. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a multi-manager platform, providing a range of portfolio management, financial planning, and retirement services delivered by a large network of independent advisors.

Donna Scallo is a financial advisor with Wells Fargo Clearing and holds Series 63 and Series 65 licenses. She has 37 years of industry experience, including roles at Santander Securities LLC, LPL Financial, PNC Wealth Management, and Securian Financial Services. She has been with Wells Fargo Clearing since 2016 and Wells Fargo Bank, N.A. since 2015. 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 from its Investment Institute and third parties, emphasizing diversification and modern portfolio theory in its investment approach.

Paul Donnelly is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors since 1999, including its previous affiliation as Axa Advisors, LLC. Outside of his advisory role, he is a partner in the Healthcare Business Planning Group, LLC, which markets various services to physicians. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and a range of asset-management programs, utilizing a combination of firm-offered solutions and third-party advisory programs.

Peter Graham Sr. is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 31 years of industry experience. He has worked at LPL Financial since 1995 and has been operating his own CPA and bookkeeping service since 1970. Outside of his advisory role, he provides auditing, tax preparation, and financial planning services through his CPA practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisors, utilizing both proprietary and third-party strategies.

Steven Reina is a Series 66-licensed financial advisor at LPL Enterprise with 21 years of industry experience. His career includes roles at several firms such as The Prudential Insurance Company of America, PRUCO Securities, LLC, and Lincoln Financial Advisors. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach using portfolios developed by its Research Department and third-party strategists, and offers a range of services including financial planning, access to third-party asset managers, and participation in a wrap program.

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®-certified financial advisor with 34 years of industry experience, currently with LPL Financial since 2021. He previously worked at Cadaret, Grant & Co., Inc. for 21 years and operated Pitch Financial Services LLC during that time. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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.