Alyssa Scardelli is a financial advisor with UBS Financial Services and holds a Series 66 designation. She has 13 years of industry experience, including prior roles at Goldman Sachs, Bank of America, and Merrill. Outside of her advisory work, she is involved as an incorporator and member of an LLC related to personal property management. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates proprietary research and institutional trading capabilities within its wealth management services.

James Alario is a Planning Consultant currently working at Fidelity Investments since 2023. He has extensive experience in the financial services industry, having previously served as a Financial Solutions Advisor at Bank of America Merrill Lynch from 2017 to 2023, and as a Registered Client Service Associate at Oppenheimer & Co., Inc. from 2011 to 2017. Throughout his career, James has focused on helping clients pursue their financial goals by building meaningful relationships and providing tailored guidance based on individual client needs. He is committed to continuing his professional development through further education and certifications to enhance his expertise and advance his career.

Shannon Ricciardi is a financial advisor at Morgan Stanley in Red Bank, NJ, with seven years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009. 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, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets.

Zachary Brown is a financial advisor with LPL Financial and holds a Series 66 designation. He has eight years of industry experience, including prior work at Cadaret, Grant & Co., Inc. and Chow Now. He serves as president of the Atlantic Highlands First Aid Rescue Squad, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party strategies.

Daniel Lloyd Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving as a core advisor on the Napoli Lloyd Group team. He began his career as a summer intern with the group in 2015 while attending Rutgers University, and has since advanced to his current role focused on delivering comprehensive wealth management strategies to high-net-worth individuals and families. He specializes in simplifying complex financial decisions by aligning investment strategy, cash flow planning, and long-term objectives to help clients preserve and grow wealth across generations. His client focus areas include family wealth management strategies, legacy planning, managing new wealth, and personal retirement planning. Daniel completed Merrill's Financial Advisor training program in 2023 and holds the designations of Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). Raised in the Shrewsbury and Red Bank area of New Jersey, Daniel takes pride in serving his local community and is involved with professional organizations such as the Monmouth Beach Fire Company and Red Bank Elks. Outside of his professional work, he enjoys golfing, cooking, traveling, and spending time with friends and family at the beach.

Thomas Bongiorni is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Mass Mutual Life Insurance Company since 2018. In addition to his advisory role, he is involved as an insurance broker, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized programs including estate-settlement and employer-sponsored planning.

Michael Lee is a CFP® professional with seven years of industry experience, currently associated with Cetera. He has worked at firms including Equitable Advisors and AXA Advisors, and he is the sole owner of MSL Capital Management Group, a business related to his advisory work. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with access to both affiliated and third-party managers.

Anthony Cusanelli is a Senior Financial Advisor with Merrill Lynch Wealth Management. He assists individuals and families in reaching their financial goals through personalized wealth management strategies that adapt to evolving market conditions. His approach integrates insights from Merrill's investment expertise and the financial products of Bank of America. Anthony has developed considerable market knowledge throughout his dynamic career on Wall Street, building trusted relationships with C-level executives, institutional analysts, and high-net-worth individuals. He specializes in areas such as college education planning, corporate executive services, family wealth management, portfolio management, socially responsible investing, and strategies tailored to small businesses, sports, and entertainment sectors. He holds a Bachelor's Degree from Kings College and the Personal Investment Advisor (PIA) designation. Outside of his professional life, Anthony enjoys adventure sports, chess, ice hockey, soccer, tennis, volleyball, and spending time with his family.

Christopher Bonfiglio is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and having 16 years of industry experience. His prior roles include positions at Avantax Advisory Services and Advisor Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with options including model portfolios, third-party managers, and customized strategies.

Pablo Cardoso is a financial advisor with Merrill in Iselin, NJ, holding a Series 66 designation and 18 years of industry experience. His prior work history includes roles at Bank of America, Santander Securities, JPMorgan Chase, and PNC Investments. Outside of his advisory role, he serves as Treasurer for the North Plainfield High School PTO. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Calvin Zhao is a CFP® with 16 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. His prior roles include positions at Eagle Strategies, New York Life Insurance Co., HSBC Securities, and Santander Securities. 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. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and futures commission merchant registrations.

Ellen Vetromile is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Morgan Stanley in 2018, she worked at Wells Fargo Clearing and Credit Suisse Securities (USA) LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market modeling techniques.

Joseph Zaccardo is a financial advisor with Ameriprise in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he serves on the Monmouth County Executive Committee and coaches private boxing lessons at the Middletown Boxing Club. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and adaptive withdrawal advice, emphasizing assets managed within Ameriprise accounts and using algorithmic tools overseen by a dedicated committee.

Joseph Perna is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 credentials and bringing 30 years of industry experience. His career includes positions at Prudential Insurance Company of America, Wells Fargo & Co., and several advisory firms. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products via an integrated platform.

Zachary Stabile is a financial advisor at Equitable Advisors with a Series 66 designation and no prior industry experience. His work history includes roles at Ultimate Ripz, eBay, and various educational institutions. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm relies on a network of Investment Adviser Representatives and third-party program sponsors to deliver a range of advisory models and fiduciary services.

Audra Lisoski is a financial advisor at LPL Enterprise with 23 years of industry experience. She holds Series 63 and Series 65 designations and previously worked for Pruco Securities, LLC and Prudential Insurance Company of America for a decade. Lisoski is also a New Jersey Notary Public. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory and brokerage services, and access to model portfolios and third-party asset management programs through an integrated platform.

Melissa Lannon is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2011. In her role, she partners with high-net-worth clients and their families to build, manage, and preserve wealth. She leverages over 25 years of industry experience to provide guidance in investment strategies, retirement planning, income protection, long-term care, and tax-efficient investing. Prior to joining Fidelity Investments, Melissa held several positions in the financial services industry, including Vice President and Regional Manager at J.P. Morgan Asset Management from 2003 to 2010, Financial Advisor at Edward Jones Investments from 2002 to 2003, and Internal Wholesaler at Lord Abbett from 2000 to 2002. Outside of her professional work, Melissa enjoys gardening, outdoor adventures, and snowboarding.

Fady Keriakos is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and two years of industry experience. His prior work includes roles at Bank of America, JPMorgan Chase, TD Bank, Amazon, and Credit Agricole Egypt. Merrill 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.

Julian Corralizza is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and having nine years of industry experience. He has worked at Equitable Advisors since 2016, including time under AXA Advisors LLC from 2016 to 2020. Outside of his advisory role, he is involved in health insurance sales through Professional Group Plans and Oxford. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm employs a range of advisory models, often implemented through third-party asset managers and programs, and offers various investment products along with ERISA fiduciary services for qualified plans.

Brent Mctaggart is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63 and Series 65 registrations and has worked within various Wells Fargo entities since 2009. Outside of his primary advisory role, he owns and operates BMM Wealth Management Corp and BMctaggert GP, LLC, which are investment-related businesses. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and fee-based financial planning services. The firm offers tailored recommendations through comprehensive planning tools and integrates advisory services with other financial products and referral channels.