Terrence Dotzler is a Series 66-licensed financial advisor with Morgan Stanley in Red Bank, NJ, possessing 19 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the Finance Committee of St. Leo the Great Parish in Lincroft, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and provides financial planning using structured discovery processes and firm-approved tools.

Anthony Rosso is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at firms including Newbridge Securities, LPL Financial, and Regal Securities. Outside of advising, Rosso consults for Aspargo Laboratories, a drug manufacturer and distributor. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and consulting through a multi-manager platform with access to affiliated and unaffiliated managers.

Leslie Tuthill is a Senior Financial Advisor with Merrill Lynch Wealth Management. She works with high net worth individuals and their families to develop personalized wealth plans. Leslie’s approach centers on carefully listening to clients’ needs and risk tolerance to construct and oversee portfolios tailored to their unique goals. With over 45 years of experience in the financial services industry since 1976, Leslie joined Merrill Lynch in 1996. She has expertise in family wealth management strategies, personal retirement planning, portfolio management, and retirement income, and has guided clients through multiple complex market cycles. Leslie holds the Chartered Retirement Planning Counselor™ designation, CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA) credentials, as well as the Series 7, 63, and 65 FINRA registrations. She earned a bachelor's degree from Mount Holyoke College. Leslie resides in Oceanport, New Jersey, and is active in her community as a member of St. George’s By-The-River Church and the Navesink Garden Club. Her personal interests include antiquing, gardening, music, reading, and spending time with family.

Daniel Karstadt is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He previously worked at UBS Financial Services and held roles at various firms including McQueen Kalligan Insurance Services and Northwestern Mutual. Karstadt has been with Morgan Stanley since 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized groups such as its Estate Planning Strategies Group.

Roger Curylo is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Fidelity Investments, and National Financial Services LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a financial planning process that uses structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Meghan Phillips is a financial advisor at OSAIC with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Royal Alliance since 2021. Outside of her financial advisory role, she owns and manages two childcare businesses, Kidematics LLC and Young Hearts LLC, which provide programs and care for children ranging from six weeks to school age. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization tools, and multiple investment programs through an extensive affiliate network.

Ryan Desarno is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 designations and offering 12 years of industry experience. He has been with Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2016 and worked previously at Equitable Advisors. 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 through a network of over 14,000 advisors.

Janet Peterson is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 designations and possessing 24 years of industry experience. Her career includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2018, as well as prior experience at Oppenheimer and E*TRADE entities. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary recommendations and access to discretionary separately managed accounts.

Taylor Felline is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and previously worked at Glen Eagle Wealth, LLC and The College of New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment services.

Tina Cilurso is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She previously worked at Wells Fargo Advisors LLC for 12 years before joining Raymond James. Cilurso serves as an advisory board member for Women at Risk International, where she participates in reviewing financial statements. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and public entities—and offers financial planning, non-discretionary investment consulting, and institutional advisory services supported by a wide range of portfolio management styles and affiliated research.

Michael Serrapica is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 designations and has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2005. In addition to his advisory role, Serrapica is a Certified Public Accountant and principal of his own CPA firm, Michael Serrapica CPA PLLC, which provides tax and accounting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers across multiple program structures and custodial relationships.

Chayce Ford is a financial advisor at Morgan Stanley with a Series 66 designation and approximately one year of industry experience. Prior to joining Morgan Stanley, he worked at Athletes' Alley for seven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies such as Monte Carlo simulations and Global Investment Committee return estimates.

Ashok Rajan is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has worked at several notable firms, including Prudential Insurance Company of America, Janney Montgomery Scott, and Merrill. In addition to his advisory work, he writes lifestyle articles on wine, covering topics such as wine regions and etiquette. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm primarily employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and a Model Wealth Portfolios wrap program.

Michael Sumi is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 34 years of industry experience. His prior roles include positions at Mass Mutual Life Insurance Company, MSI Financial Services, Inc., and MetLife Investment Fund Services LLC. He also operates as an independent insurance agent selling disability, fixed annuities, property and casualty, and Medicare-related products. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, structuring planning engagements as annual collaborative relationships using firm-approved software to analyze client goals.

Meghan O'Neill is a financial advisor with Morgan Stanley, holding ChFC®, Series 63, Series 66, and Series 65 designations and bringing 25 years of industry experience. Her previous roles include positions at J.P. Morgan Securities, J.P. Morgan Chase Bank, Citigroup Global Markets, and TD Ameritrade. She is currently based in Shrewsbury, NJ. Morgan Stanley Wealth Management offers a broad range of advisory programs for individuals and institutions, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of direct individual plans and employer-sponsored financial planning agreements.

Christopher Kinzler is a financial advisor at Mass Mutual Investors Services with five years of industry experience. He holds the Series 66 designation and has worked at MML Investors Services, MassMutual Life Insurance Company, Dow Jones, and the U.S. Soccer Federation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing tools like Monte Carlo simulations to deliver detailed client recommendations.

Joseph Burgard is a financial advisor with LPL Financial in Colts Neck, NJ, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Wells Fargo Advisors, Santander Bank and Securities, and Hornor Townsend & Kent Inc. Outside of his advisory work, he is also a commissioned notary. 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 a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Albert Rich is a financial advisor at Cetera with 25 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at multiple firms including Kearny Bank, INVEST Financial Corp., Investors Bank, LPL Financial, and Ifmg Securities, Inc. He is based in Long Branch, NJ. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and approximately 800,000 clients nationwide.

Keith Henry is a financial advisor at RBC Capital Markets with 21 years of industry experience. He holds a Series 66 designation and previously worked at Merrill Lynch for 38 years before joining JPMorgan Securities and JPMorgan Chase Bank from 2022 to 2026. He is currently based in Red Bank, NJ. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, with customized strategies based on each client’s risk profile.

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 is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured processes and advanced modeling tools.