James Varzal is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 38 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. for six years, Royal Alliance for one year, and Petersen Investments, Inc. for four years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Dylan Mc Laughlin is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping individuals and families pursue their financial goals through customized planning and proactive guidance. Dylan works closely with clients to develop strategies that address short-, mid-, and long-term objectives, providing ongoing advice and adapting portfolios as clients' situations evolve. His areas of expertise include divorce transition planning, education planning, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, and tax minimization. Dylan holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Pennsylvania State University. Outside of his professional role, Dylan's personal interests include basketball, golfing, hiking, reading, spending time with his family, and watching movies.

Lucas De Pofi is a financial advisor with UBS Financial Services, holding a Series 66 designation and five years of industry experience. Prior to joining UBS in 2022, he worked at Merrill from 2020 to 2022. His background also includes roles outside finance, such as positions at Chenango Contracting LLC and Coastal Carolina University. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory solutions, 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 investment plans to clients' goals and risk tolerances.

Andrew La Spina is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. He has worked at LPL Financial since 2022 and has prior work history including roles at Monmouth University and Point Pleasant Boro High School. Outside of advising, he is involved in a trading card business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with a range of discretionary and non-discretionary management options and access to model portfolios and research.

Richard Gubitosi is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Prior to his financial services career, he was involved with Luigi's Famous Pizza & Restaurant. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and structured processes in its financial planning services.

Jeffrey Vogel is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related products and bank deposit sweep options.

Jeremiah Mc Namara is a financial advisor with Wells Fargo Clearing, holding a Series 63 credential and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Jonathan Curatola is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Red Bank, NJ. He focuses on delivering personalized wealth management strategies that align with his clients' financial goals. Utilizing the investment resources of Merrill and the banking solutions of Bank of America, he aims to provide comprehensive advice and guidance for various financial needs. Jonathan's expertise includes college education planning, family wealth management, liquidity management, retirement planning, and tax minimization, among other areas. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned both his Bachelor's and Master's degrees from Saint John's University. In addition to his professional commitments, Jonathan participates in community volunteer activities, reflecting the Merrill tradition of community involvement. His personal interests include boating, cooking, football, golfing, and spending time with his family.

Louis Pearlman is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 1999, he has developed expertise in customizing sophisticated and integrated wealth management strategies tailored to the needs of affluent clients, including creative professionals, attorneys, financial industry executives, retired corporate executives, and special needs families. He leads The Pearlman Group, a team of four dedicated financial advisors providing a broad range of services beyond asset management and retirement strategies, such as employee stock options analysis, hedging and monetization of concentrated equity positions, liability management, and wealth preservation. Pearlman has experience working with corporate benefit programs, including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. He and his colleague Chris Edgar serve employees' stock purchase plans and are affiliated with the Corporate Services and Advisory Team and the Merrill Lynch Private Equity Services Team, focusing on equity compensation plans, stock option and restricted stock strategies, 10b5-1 trading plans, and executive services. His client focus areas include family wealth management strategies, managing new wealth, and personal retirement planning. Louis Pearlman holds a Bachelor's Degree from The Ohio State University and has earned the Personal Investment Advisor (PIA) designation. He is involved with the Pop Warner Football Association. Outside of his professional work, he enjoys adventure sports, bowling, fishing, golfing, rock climbing, and skiing.

Robert Maher is a financial advisor with Morgan Stanley, holding a Series 66 credential and bringing 21 years of industry experience. He previously worked at UBS Financial Services Inc. for 14 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2023. Outside of his advisory role, Maher serves as a Committee Person for the Monmouth County Republican Committee in New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and approved planning tools to develop financial plans.

Chantley Thomas is a financial advisor at Primerica Advisors with industry experience spanning one year. Thomas holds Series 65 and Series 63 licenses and has prior work experience at Bristol Myers Squibb, Iqvia, Campbell University College of Pharmacy, and CVS Pharmacy. Outside of financial advising, Thomas is president of Thomas Multiservices LLC, a non-investment-related business. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm relies on model-delivery strategies managed by unaffiliated asset managers and supports clients through a network of nearly 3,700 advisors and over $15 billion in assets under management.

James Holman is a financial advisor at Merrill with a Series 66 designation and experience totaling eight years at Merrill Lynch, Pierce, Fenner & Smith Inc., supplemented by prior roles at Wells Fargo Bank N.A. and Bank of America. He also has a 15-year history teaching at Ocean County College. Outside of his advisory work, he manages a rental property in Toms River, NJ. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers a variety of model-based and discretionary investment strategies integrated with Bank of America's broader platform.

Sean Donlan is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has 28 years of industry experience. His prior work includes roles at Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., Berger Financial Group LLC, and John Hancock Mutual Life Insurance Company. In addition to his advisory role, he operates as an independent insurance agent specializing in dental and group disability income, fixed annuities, and life, accident, health, and long-term care insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, wrap and money-manager programs, and educational seminars, with a collaborative and annual approach to planning using firm-approved analytical tools.

Neil Kriegstein is a CFP® professional with 28 years of industry experience, currently advising through OSAIC. His prior roles include positions at Royal Alliance, HD Vest Insurance Agency, and H.D. Vest Advisory Services. In addition to his financial advisory work, he owns Kriegstein Financial Group, LLC, which provides tax preparation and accounting services, and serves as president of Imperial Payroll Processing, LLC, a payroll processing firm. OSAIC serves a diverse clientele including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of advisers and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios consisting of a range of investment products.

Tara Mundorff is a financial advisor with UBS Financial Services in Red Bank, NJ, holding a Series 66 designation and 15 years of industry experience. She has been with UBS since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad range of capital markets activities.

Dominic Lopiccolo is a CFP® and ChFC® with 39 years of industry experience, currently serving with Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Dominic volunteers with the CFP Board, providing financial planning education to low-income individuals. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, employer-sponsored 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 third-party managers and customized investment strategies.

Thomas Musumeci is a financial advisor at LPL Financial with 31 years of industry experience. He has held roles at Royal Alliance Associates from 2006 to 2024 before joining LPL Financial. Musumeci holds Series 63 and Series 66 credentials. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party providers.

Donald Witkowski is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Merrill Lynch Pierce Fenner & Smith, among others. He serves as an advisory board member for the University of Delaware. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Kai Chen is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020. Prior to his financial services career, he held roles at HomeGoods and Ikea. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage, distribution, and investment management functions.

Gaetano Guerra Jr. is a financial advisor at LPL Enterprise with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he volunteers teaching religion to students at St Veronica Church in Freehold, NJ. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform.