David Cash Alston is a financial advisor with Edward Jones in Shrewsbury, NJ, holding Series 63 and Series 66 licenses and having six years of industry experience. His prior roles include positions at Bank of America/Merrill Lynch and LPL Enterprise. Outside of his advisory work, he serves as Deputy Treasurer for Sage Well Compliance. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Steven Kaiman is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. Prior to joining UBS in 2017, he worked at Amherst Pierpont Securities and Credit Suisse Securities (USA) LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and capital market insights to tailor strategies for clients.

Michael Reszkowski is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Merrill Lynch, Janney Montgomery Scott, and a range of small business ventures such as Tommy's Tavern and Tap and Iron Hill Brewery. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with comprehensive financial planning and investment services, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and emphasizes a collaborative planning process without providing individual security recommendations in standalone planning engagements.

Michael Licitra is a CFP® with 21 years of industry experience, currently serving at Cetera Wealth Services, LLC. He has a background in tax preparation and accounting as president of Michael S Licitra CPA PC since 2008 and has experience in insurance sales and health insurance brokerage. Licitra has held roles at Avantax Advisory Services and Fixed Life Sales, among others. Cetera Investment Advisers LLC is a large SEC-registered firm supporting over 10,000 advisors and serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers.

James Gryta is a financial professional with 12 years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and has worked at several firms including Koyote Capital and Hudson Wealth Management, where he continues his role. Gryta also operates under Hudson Wealth Management as a financial professional. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to model portfolios, third-party managers, and customized strategies.

Nicholas DeFilippis is a Financial Consultant currently working at Fidelity Investments since 2018. In this role, he partners with clients to understand their unique goals and investment objectives, aiming to protect assets, generate income, and facilitate wealth growth and transfer for future generations. His approach involves creating disciplined financial plans to help clients feel confident about their financial futures. Prior to his current position, Nicholas accumulated experience as a Financial Advisor at UBS Financial Services from 2014 to 2018 and at Merrill Lynch from 2011 to 2014. He began his career as a Financial Representative at Guardian Life Insurance in 2009.

James Cady is a financial advisor at Raymond James Financial with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at firms including J Alden Associates, Alden Investment Group, 1792 Wealth Advisors, Cantella & Co., and Oppenheimer. In addition to his advisory work, he owns 1792 Wealth Advisors, a DBA support company based in Red Bank, NJ. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting with tools such as risk profiling and probability modeling, and supports clients through various advisory programs and institutional consulting services.

Thomas Lord is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at several firms including Wells Fargo Bank, Fidelity Brokerage Services, and currently maintains an advisory role at Rockdale Financial Services alongside his position at Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of investment program options, managing over $256 billion in assets and supporting more than 10,000 advisors nationwide.

Naftali Yusufov is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2021. His prior work includes roles at JPMorgan Chase Bank, N.A., and marketing firms. J.P. Morgan Securities 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. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering recommendations on a non-discretionary basis.

John Amirante is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 22 years of experience consulting and advising for-profit and nonprofit businesses, their owners, leadership teams, and investment committees. John focuses on proactive advice and customized strategies to address complex needs related to risk management, accumulation and decumulation planning, investment policy, financial wellness and education, risk budgeting, and the role of alternatives and private equity in diversified portfolios. He advises high net-worth individuals, executives, private foundations, and family offices. John holds multiple professional designations including the CERTIFIED FINANCIAL PLANNER (CFP) certification from the Certified Financial Planner Board of Standards, the Certified Investment Management Analyst (CIMA) designation from the Investments & Wealth Institute and the Wharton School of Business, the Chartered Advisor in Philanthropy (CAP) designation from the American College of Financial Services, and the Certified Plan Fiduciary Advisor (CPFA) designation from the National Association of Plan Advisors. He earned a Bachelor’s degree in Pre-Law from the State University of New York at Albany and an MBA from Columbia Business School at Columbia University. Outside of his professional work, John serves as a board member for Eden Autism and volunteers at the Food Bank in South Jersey. He resides in Manalapan, New Jersey with his wife and their two children. His personal interests include baseball, fishing, and reading.

Amanda Toner is a Financial Consultant at Fidelity Investments, a position she has held since 2023. In this role, she collaborates with clients to understand their individual financial needs and leverages her industry experience along with Fidelity's resources to develop comprehensive financial plans tailored to their unique goals and objectives. Prior to joining Fidelity, Amanda accumulated over a decade of experience at BlackRock, where she held several roles including Head of US Relationship Management for Multi-Asset Strategies in 2023, Senior Product Strategist for Model Portfolio Solutions from 2016 to 2022, Portfolio Specialist for Private Investors from 2012 to 2016, and Sales Associate in US Wealth Advisory from 2011 to 2012. Outside of her professional work, Amanda's personal interests include spending time at the beach, exploring food, parenthood, and traveling.

Jennifer Keiling is a financial advisor at Edelman Financial Engines with 12 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms including APW Capital and EisnerAmper Wealth Management & Corporate Benefits. Keiling has been with Financial Engines Advisors L.L.C. and its affiliated entities in various roles since 2016. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios, supports a large client base through advisor-led and online offerings, and operates a mix of discretionary and non-discretionary programs.

Sean Keating is a CFP® and ChFC® with 24 years of industry experience. He currently serves as a senior financial advisor at Cetera Wealth Services, LLC and is also involved with Rosso Financial Group. Outside of advising, he teaches financial information at Kaplan Financial Education and holds board fiduciary roles with the Association of US Army and the Jersey Shore Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party and affiliated managers.

Kyle Mc Elligott is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has worked at institutions including Bank of America, Garden State Securities, and Investors Bank. His background also includes roles in education at Rutgers and Brookdale Community College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Theresa Boulos is a Senior Financial Advisor at Merrill Lynch Wealth Management, leading the Fields Boulos and Associates team. The team offers wealth management services to high-net-worth families, focusing on retirement strategies, wealth management, asset preservation, and legacy planning. They serve affluent families nationwide and consist of a diverse, multigeneration group of wealth management professionals. Theresa holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a bachelor's degree from Saint John's University. Theresa previously served as Chair of the Global Wealth Investment Management Women's Exchange at Merrill Lynch, a network of approximately 7,000 employees focused on business development, mentorship, recruitment, and advocacy. She is dedicated to advancing the careers of female employees within Merrill. Theresa and her family are long-standing members of the Red Bank and Monmouth County community. Her interests include cooking, gardening, spending time with family, and traveling.

John Coscia is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at American Portfolios Financial Services, Inc. for nine years. Outside of advising, he is involved in insurance and tax preparation services through his ownership of AJC Advisors/Crump Insurance. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, and institutions, providing brokerage and advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include a broad range of investment products, offering both discretionary and non-discretionary account management.

Matthew Lane is a financial advisor with RBC Capital Markets in Red Bank, NJ, holding Series 63 and Series 66 licenses and possessing 33 years of industry experience. His prior roles include positions at City National Bank, Morgan Stanley Private Bank, and Morgan Stanley Smith Barney. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to client advisory risk profiles.

Patrick Quinn is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in legacy planning, personal retirement planning, and both individual and corporate investment strategies. Patrick works to create personalized financial strategies aligned with clients' long-term goals using insights from Merrill and banking solutions from Bank of America. He holds multiple professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Patrick earned a Bachelor's Degree from Rutgers Business School and a High School Diploma from the Marine Academy of Science and Technology. In addition to his professional work, Patrick participates in community volunteering consistent with the Merrill tradition. Outside of work, his personal interests include cooking, gardening, tennis, and traveling.

Robert Zwigard is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He has been with Linsco / Private Ledger Corp., now part of LPL Financial, since 2000. Outside of advising, he is involved in the sale of group medical and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, employing both discretionary and non-discretionary management alongside research-supported model portfolios.

Kris Frazier is a CFP® with 25 years of industry experience, currently serving at Ameriprise. His prior experience includes roles at Morgan Stanley Private Bank and PRUCO Securities Corporation. He serves as president of the nonprofit organization 4 Changemakers in Atlantic Highlands, NJ. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated companies and employs a research-driven, model-based approach to retirement income planning.