Justine Viohl is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds the Series 66 and Series 63 designations and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process using firm-approved tools and market outcome models.

Glenn Ziegler is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, Ziegler serves as a FINRA arbitration panel member and acts as trustee and executor for his father's trust and estate. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Jason Gordon is a financial advisor with Cetera, holding the CFP® and PFS™ designations and Series 63 license, with 14 years of industry experience. He has worked at Avantax Advisory Services and related entities for over a decade before joining Cetera in 2025. Outside of advisory, he is involved with Jack Oujo CPA, Inc., which provides tax preparation and accounting services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and consulting services. The firm operates a multi-manager platform allowing advisors to access affiliated and third-party model portfolios, supporting diverse investment strategies across discretionary and non-discretionary programs.

Daniel White is a financial advisor with Equitable Advisors, holding a Series 66 designation and five years of industry experience. He has been with Equitable Advisors since 2019 and is also owner and partner of McGuckin, Shatz & White, LLC, an accounting services firm in Ocean, NJ. 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 asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Charles Lambert Jr. is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 28 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Since 2012, he has operated as an independent insurance agent selling dental, disability, life, and annuity products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars, using firm-approved software and structured planning processes.

Daniela Vizcaino is a Series 66-licensed financial advisor with Merrill, based in Red Bank, NJ, and has three years of industry experience. She has been with Merrill and Bank of America since 2020 and previously worked at various casino and hospitality management firms. 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 institutions.

Todd Rosenblatt is a financial advisor with LPL Financial in Holmdel, NJ, holding the CFP® designation along with Series 63 and 65 licenses. He has 19 years of industry experience, including nine years at Private Portfolio Partners, LLC, and ten years with LPL Financial. Rosenblatt also engages in non-variable insurance activities through several related firms. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by LPL Research, third-party subadvisors, and various portfolio management tools.

Keith Ryan is a financial advisor at Stifel with 23 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. He holds Series 63 and Series 66 securities licenses. Stifel serves a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses that support client decision-making.

Roxanne Grise is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, N.A. Grise serves as a trustee and co-trustee in a trust outside of her advisory duties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured tools and sophisticated modeling techniques.

Carol Doran Timmins is a financial advisor at Morgan Stanley with 41 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2016. Outside of her advisory role, she maintains a qualified license as a FINRA arbitrator, although she is not currently active in that capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs for individuals and institutional clients. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group and manages approximately $2.74 trillion in client assets.

Deborah Privetera is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney and Safe Harbor Financial. She also serves as a co-executor for a friend. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management and financial planning services.

Eric Kalma is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations through a centralized consulting team. The firm also provides a broad array of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Lisa Woods is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2022. She has worked in the financial services field for over 25 years, focusing on building strong client relationships and developing financial plans that support long-term retirement goals. Her professional experience includes roles as a Financial Consultant at Fidelity Investments from 2017 to 2022, Managing Director of Marketing and Investor Relations at Dunbar Capital from 2007 to 2016, and equity trading positions at BLM Investment Securities from 2004 to 2006 and Charles Schwab from 1996 to 2004. Throughout her career, she has emphasized the importance of financial planning as an essential component of sound retirement strategies.

Ginamarie Schembre is a financial advisor with Raymond James & Associates, holding a Series 63 designation and over 42 years of industry experience. She worked at Janney Montgomery Scott for 10 years before joining Raymond James & Associates, where she has been since 2019. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a focus on tailored, non-discretionary advice supported by firm research and a range of portfolio management strategies.

Zachary Green is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2021 and has prior experience at Northwestern Mutual and Nike. Outside of his advisory role, he is also a server at Cinder Bar, a bar and restaurant in Williamstown, NJ. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, offering a mix of model-based and discretionary investment strategies.

Stefen Benincasa is a financial advisor at UBS Financial Services with 31 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Bank of America and Merrill. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances.

William Egan III is a CFP®-designated financial advisor with 44 years of industry experience. He is currently with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company, having previously worked at Metlife Securities, Inc. He serves as chairman of the House Committee for Food and Beverage at Springlake Golf Club. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes ongoing financial planning using firm-approved analytical tools and offers asset management, wrap programs, and educational seminars.

Andrew Mahnken is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Bank, N.A. and Wells Fargo Advisors, LLC. Outside of finance, he has a 25% ownership in a pizza restaurant called Killer Pies in Asbury Park, NJ. 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 offers a broad range of brokerage and advisory solutions.

David Marshall serves as the Senior Resident Director at Merrill Lynch Wealth Management's Montecito office. He has been with Merrill Lynch since 1979, beginning his career in the Santa Barbara, California office. David holds the designation of Personal Investment Advisor (PIA) and has built his practice around understanding clients' life priorities to develop personalized wealth management strategies tailored to their goals and aspirations. His areas of expertise include family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, socially responsible and values-based investing, tax minimization, and retirement income planning. David earned a Bachelor's Degree in Business Economics from the University of California, Santa Barbara in 1979. Outside of his professional commitments, David and his wife Becky enjoy the community together, engaging in activities such as sailing, walking their golden retrievers with their daughter at Elings Park, and playing golf at local courses including Muni, Sandpiper, and Glen Annie.

Daniel Lindquist is a CFA® charterholder and holds a Series 66 license, with nine years of experience in the financial industry. He has worked at LPL Financial since 2019 and previously spent three years at First Trust Portfolios L.P. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.