Edward Garrigal Jr. is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo, he worked at Cetera, CETERA Financial Specialists LLC, and B. Riley Wealth Management. Outside of finance, he has worked as a bartender at Eventide Grille since 2015. 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 combines research and analytics with a range of brokerage and advisory solutions, operating at large scale with approximately $671 billion in assets under management and over 14,000 financial advisors.

Eric Schwam is a financial advisor with UBS Financial Services in Marlboro, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to a wide range of investment products supported by proprietary research and institutional trading capabilities.

Gary Hager is a CFP® with 35 years of industry experience, currently affiliated with OSAIC since 2025. He previously worked at Lincoln Financial Advisors Corporation for eight years and spent over a decade with Summit Financial Resources and Summit Equities. Hager is also involved as an owner and agent at Integrated Wealth Management Co., LLC, where he offers various insurance products including disability insurance and fixed annuities. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach utilizes model-based asset allocation, portfolio optimization tools, and a range of managed account programs.

Lori Krikorian is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is involved in renting a personal property during the summer months. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Henry Frenzel III is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Stifel since 2014. His tenure includes work with STiFEL NICOLAUS & CO INC. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation, retirement, insurance, and estate planning analyses.

Anthony Frigoletto is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Wells Fargo Clearing from 2016 to 2020. 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, including model portfolios, third-party asset management, and institutional platforms.

Jeffrey Bahary is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. His prior roles include positions at First Allied Advisory Services and First Allied Securities. Outside of his advisory work, he serves as a board member for his homeowners association and holds fiduciary roles in family trusts and estates. Cetera Investment Advisers LLC distributes its services through a nationwide network of independent advisors, serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a wide range of portfolio management and financial planning services.

Phillip Malavarca is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and nine years of industry experience. His career includes roles at Wells Fargo Bank, PFS Investments Inc., Primerica Financial Services, and several regional banks. Outside of financial advising, he owns a small business providing auto care consulting and auto body wrap services. 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 combines internal research and third-party analytics to offer diversified investment solutions and facilitates a broad range of financial products through affiliated banks and insurance companies.

Michael Noone is a financial advisor with Merrill who holds Series 63 and Series 65 credentials and has 44 years of industry experience. His career includes prior roles at Morgan Stanley and Bank of America, N.A. He serves as a committee member for the Knights of Columbus and the American Cancer Society and is a board member at Georgian Court University. 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, and institutional accounts.

Thomas Olszak is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 66 licenses. He has 45 years of industry experience and has been with Wells Fargo Clearing since 2016. 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 combination of brokerage and advisory solutions.

Joseph Aldi Jr. is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His career includes roles at Wells Fargo Clearing, Banc of America Investment Services, Quick & Reilly, and Prudential Equity Group prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets through a structured planning process that incorporates firm-approved tools and scenario modeling.

Eugene Giordano is a financial advisor with LPL Financial in Middletown, NJ, holding Series 63 and Series 66 designations and over 26 years of industry experience. He has been with LPL Financial since 2003. Giordano is involved in servicing fixed insurance contracts and new business transactions related to life, disability, long-term care, and fixed annuities. 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 through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Michael Marano is a Financial Advisor with Merrill Lynch Wealth Management, serving as a primary point of contact to coordinate various aspects of his clients' financial lives. He focuses on delivering personalized wealth management strategies centered around strategy, service, and stewardship, aiming to provide clarity, reduce complexity, and help clients make informed financial decisions. His expertise includes investment management, retirement planning, tax considerations, estate strategies, and other key wealth management areas. Michael works with individuals and families on college education planning, family wealth management strategies, managing new wealth, and retirement income, among other client focus areas. Michael holds a Bachelor's Degree from Pennsylvania State University and the Personal Investment Advisor (PIA) designation. He is a member of the Shore Builders Association of Central NJ and the Southern Ocean County Chamber of Commerce. Originally from Morris County, New Jersey, he resides in Shrewsbury, Monmouth County with his family. Outside of work, he enjoys boating, football, golfing, ice hockey, music, skiing, traveling, and spending time with his family.

Tara Naldi is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 31 years of industry experience. Her career includes long tenure at Invest Financial Corporation and prior roles at Northfield Bank and LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutional clients. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Maurice Cassara is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 2004 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Kimberly Riccoboni is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 20 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and has worked at MetLife Securities Inc. since 2011. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved analytical tools and delivers written recommendations without discretionary investment authority.

Thomas Frothingham is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities for the past 12 years, following earlier roles at UBS Financial Services and Morgan Stanley. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process combines quantitative and qualitative due diligence and may incorporate an ESG eligibility framework, with implementation support from affiliated entities.

Thomas Cali is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1999 and joined Merrill Lynch in the same year as a Financial Advisor. Thomas focuses on addressing the complex financial needs of high net worth clients by offering investment, estate and wealth transfer strategies, liability planning, and insurance solutions. He is a qualified Portfolio Manager who designs and manages personalized investment strategies incorporating individual securities, Merrill model portfolios, and third-party strategies. Additionally, he serves clients through the firm's Investment Advisory Program, managing portfolios on a discretionary basis when appropriate. Thomas earned a Bachelor of Science degree in Business Administration and High Technology Management from California State University in 1999. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation. He also maintains several registrations and licenses through the Financial Industry Regulatory Authority (FINRA) and state insurance authorities, including Series 7, 24, and 66 registrations, as well as New Jersey Life, Health, and Long Term Care Insurance Licenses. Residing in Brielle with his wife Amy and their two sons, Thomas is active in local philanthropic organizations. Outside of his professional role, he enjoys spending time with his family, sport fishing, biking, boating, cooking, gardening, surfing, traveling, and woodworking.

Dipak Shah is a financial advisor at LPL Enterprise with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Prudential Insurance Company of America since 1998. Shah joined LPL Enterprise in 2024. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and various institutions. The firm’s investment approach is model-driven, utilizing portfolios developed by internal research and third-party strategists, and offers a range of financial planning and consulting services.

Owen Stauffer is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. Prior to his current role, he held positions in retail and banking, including Provident Bank and Kay Jewelers. He also has experience related to Monmouth University. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and affiliated trust and insurance services.