Thomas Musumeci is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 31 years of industry experience. He previously worked at Royal Alliance Associates for 18 years and Investment Advisors Asset Management, LLC for 15 years. In addition to his advisory role, Musumeci is involved with MWM Financial LLC, a DBA related to his LPL business, and holds a non-variable insurance agent role. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advisory services delivered through a large network of investment adviser representatives using a variety of investment strategies.

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 Series 66-credentialed advisor with five years of industry experience, currently working at J.P. Morgan Securities since 2021. His prior work includes positions at Bank of America and roles outside finance such as at HomeGoods and Ikea. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary written asset allocation advice, manager searches, and customized performance reporting supported by centralized due diligence and a forward-looking investment approach.

Beth Meszaros is a financial advisor at Cetera with 17 years of industry experience. She holds a Series 66 designation and has worked with Cetera since 2009. Outside of her advisory role, she owns and creates handmade knits and gifts sold on Etsy and is involved in managing a needlepoint supplies business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment management and consulting services through a multi-manager platform with access to affiliated and third-party managers.

Gaetano Guerra Jr. is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 30 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he volunteers teaching religion at St. Veronica Church in Freehold, NJ. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and various institutional clients. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists.

Cynthia De Laski is a financial advisor at UBS Financial Services with 43 years of industry experience. She has been with UBS since 1992 and holds Series 63 and Series 66 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work using proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Brian Moriarty is a financial advisor at OSAIC with 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Advisors, Bank of America, Merrill, Morgan Stanley, and Oppenheimer + Close. Outside of his advisory role, he is also active as an insurance agent with Evergreen Financial Group, LLC. OSAIC serves a broad range of clients including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, offering both brokerage and advisory services across various financial planning and investment programs.

Timothy O'Brien is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His prior roles include positions at UBS Financial Services and Merrill. He also owns and operates O'Brien Asset Management as a separate business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm provides tailored recommendations supported by proprietary research and planning tools, with planning engagements typically discrete rather than ongoing.

Scott Codacovi is a financial advisor with Ameriprise in Matawan, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, he is involved in independent insurance brokering with multiple companies. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Kelly Schulz is a financial advisor with Merrill based in Monmouth Beach, NJ, holding Series 63 and Series 66 licenses and possessing 34 years of industry experience. She has been with Merrill since 2012. Outside of her advisory role, she serves on the board of trustees for the Monmouth Beach Bath and Tennis Club, contributing to the upkeep and activities of the private club. Merrill, together 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kyle Abbot is a financial advisor at Edward Jones with 14 years of industry experience. He previously worked at Santander Securities, LLC and Merrill. He holds Series 63 and Series 65 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

John Rocco Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2009 and has been affiliated with Morgan Stanley Private Bank, N.A.T since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and delivers a range of advisory programs without providing individual security recommendations as part of standalone plans.

Peter Thorne is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm‑approved methodologies to develop financial plans.

Mena Ayad is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments since 2020, serving as a Financial Consultant before his current position. Prior to joining Fidelity, Mena worked at Vanguard from 2015 to 2020 in various roles including Financial Advisor, High Net Worth Brokerage Investment Professional, and Brokerage Investment Professional. Mena holds an MBA in Finance from Rutgers University and is a Certified Financial Planner (CFP4). He is licensed in insurance in California. He focuses on assisting clients in working towards their financial goals by building long-term relationships and paying attention to detail. Outside of his professional career, Mena enjoys family activities, fitness, football, parenthood, and traveling. He is also involved in serving in his church.

Christopher DeLuca is an Investment Consultant at Fidelity Investments, a role he has held since 2025. He previously worked as a Financial Representative at Fidelity Investments in 2025 and as a Financial Service Representative from 2024 to 2025. In his current position, Christopher focuses on helping clients align their financial objectives with their priorities by co-creating tailored plans. He provides clear and strategic guidance to support clients in making informed and confident financial decisions. Christopher emphasizes building meaningful, long-term relationships to ensure clients feel secure throughout their financial journey. Outside of his professional role, Christopher has interests that include fitness, golf, running, reading, enjoying social events with friends, and exploring food.

Mark Morris is a Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and as a Personal Investment Advisor (PIA). Mark has focused his career on providing financial guidance and investment strategies within his line of business. He earned a Bachelor's Degree from Seton Hall University.

Kevin Birkner is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at UBS Financial Services from 2016 to 2020 before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and approved tools, with a focus on advisory services rather than individual security recommendations.

Mark Thompson is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2023. His prior roles include positions at Wells Fargo Clearing Services LLC and PineBridge Securities LLC. He holds partial ownership in Marinus Financial LLC and sole ownership of MKThompson LLC, both investment-related ventures. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu covering various life stages and specialized needs, delivering tailored recommendations through Wells Fargo research and tools.

Donna Cleveland is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 licenses and 31 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held positions at TD Wealth Management Services Inc. and Cetera Investment Services LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets with more than 14,000 advisors.

Stephen Borriello Jr. 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 worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016, and previously spent a year with the NY Daily News in 2017. 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 searches, and customized performance reporting, supported by centralized due diligence and a manager solutions team.