Nicholas Siliverdes is a financial professional at Cetera with a Series 66 designation and one year of industry experience. Prior to his current role, he worked in entertainment-related positions at Shark Tank, Sony Pictures, and MGM Studios in 2022. Outside of finance, he has been involved with Party Perfect Rentals, a business he worked with intermittently from 2019 to 2025. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large nationwide network of independent advisors and employs a multi-manager platform with discretionary and non-discretionary program options.

Michael McGuire is the Vice President and Branch Leader at Fidelity Investments in Manalapan, New Jersey. In his role, he leads and coaches financial planning teams, focusing on comprehensive planning and client collaboration. His approach aims to provide an informative, warm, and approachable experience for clients. Since 2020, Michael has served as the Branch Leader, guiding his teams in delivering financial planning services. Further details about his education, credentials, or personal interests have not been provided.

John Kanouse is a financial advisor with Charles Schwab in Red Bank, NJ, holding CFP®, Series 63, and Series 65 designations. He has 16 years of industry experience, including roles at Bank of America, Merrill, and National Securities Corp. His current tenure at Charles Schwab began in 2019 across multiple Schwab entities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, providing a mix of non-discretionary advice and access to discretionary separately managed accounts. The firm operates at large scale with integrated advisory, brokerage, and custody services supported by centralized infrastructure.

Hunter Gutierrez is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. His prior experience includes roles at MassMutual Life Insurance Co and Harding Loevner. He is also an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services via a multi-manager platform with access to affiliated and third-party managers.

Michael Da Cruz is a financial advisor at Morgan Stanley with a Series 66 credential and no prior industry experience. His work background includes positions outside of finance, such as roles at FreeWheel, At-Bay Insurance, and Better Mortgage, as well as full-time education at NYU. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients, offering comprehensive financial planning and a range of investment programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to support its advisory services.

Sean Clark is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding a Series 66 designation and over 20 years of experience in the financial services industry. He previously worked for Advisors Mortgage Group, LLC for 22 years before joining Wells Fargo Advisors in 2025. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment solutions, utilizing proprietary research and planning tools to develop tailored recommendations for clients who meet a net-worth threshold.

Linda Gargano is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. She previously worked at BNY Mellon for 24 years before joining Cetera and also has a role as a registered administrative assistant at Frank A. Gargano, a financial services business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a variety of portfolio management and financial planning services through a nationwide network of independent advisors.

Jeffrey Tumminello is a financial advisor with J.P. Morgan Securities based in Englishtown, NJ. He holds Series 63 and Series 66 licenses and has 29 years of industry experience, including prior roles at Merrill from 2010 to 2012. Since 2012, he has been affiliated with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations, offering a program that incorporates ESG eligibility frameworks and broader derivatives and commodities capabilities.

James Giordano is a financial advisor at LPL Financial with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Sorrento Pacific Financial, OceanFirst Bank, and Securian Financial Services. Giordano is also involved with Coastal Accounting Services LLC, providing tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of non-advisory financial products.

Marygrace Guastella is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 credentials and 18 years of industry experience. She has been with RBC Capital Markets and its affiliates since 2007, including a brief tenure at UBS Financial Services in 2021. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with discretionary and non-discretionary portfolio management, tailored to clients' risk profiles and incorporating a range of investment managers and strategies.

Anthony Vignola is a CFP® and holds a Series 66 license, currently with Cetera, where he has worked since 2025. He has 12 years of industry experience, including a decade at Commonwealth Financial Network. In addition to his advisory role, he is a financial professional at King Financial Network, providing investment management and financial planning. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network. The firm offers a multi-manager platform with various portfolio management and financial planning options, supported by more than 10,000 advisors and over $256 billion in assets under management.

Cliff Schmardel is a financial advisor with Equitable Advisors in Spring Lake, NJ, holding a Series 66 designation and 19 years of industry experience. He has worked with Equitable Advisors since 2007 and previously with Axa Advisors, LLC from 2007 to 2020. Outside of his advisory role, Schmardel owns and operates Modern Tax Advisors, LLC, a tax preparation service. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and collaborates with third-party managers and advisory programs.

Christopher Gibardi is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 66 designation and has worked previously at firms including Merrill Lynch, Bank of America, and CUNA Mutual Group. Outside of his advisory work, he is involved in an investment-related DBA associated with his LPL business. 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, including financial planning and model portfolio programs, supported by technology tools and a broad network of over 22,800 advisors.

Brett Diorio is a financial advisor with Morgan Stanley in Red Bank, NJ, holding a Series 66 designation and 16 years of industry experience. He worked at Merrill from 2010 to 2013 before joining Morgan Stanley in 2013. Outside of his advisory role, Diorio serves as an arbitrator on a FINRA panel, making judgments on claims. Morgan Stanley Wealth Management serves both individual and institutional clients with 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 employs structured planning tools to model outcomes without providing individual security recommendations as part of standalone planning.

Timothy Brennan is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. Prior to joining Morgan Stanley in 2018, he worked at Jefferies LLC from 2015 to 2018. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, with a financial planning process that includes structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning and investment advisory services.

Jeff Rainess is a Financial Consultant at Fidelity Investments since 2026. He has previously worked as an Investment Consultant at Fidelity Investments from 2024 to 2026 and served as a Registered Financial Advisor at Park Avenue Securities from 2018 to 2024. Jeff focuses on empowering clients to achieve financial security by building trusted partnerships and simplifying complex financial planning, utilizing Fidelity's resources. His approach integrates his background as both a coach and an advisor, emphasizing that long-term financial success requires discipline and collaboration. Jeff's planning process is designed to provide clients with guidance at every step. He has lived in Monmouth County for over 25 years and has been married for more than 20 years, with three children. Outside of his professional responsibilities, Jeff engages in family activities and enjoys fishing, fitness, football, golf, and spending time with his pets.

Jessica Haddad is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and models.

Michael Mc Cormick is a financial advisor at Morgan Stanley with a Series 66 designation and seven years of industry experience. He has been with Morgan Stanley since 2017, including roles at Morgan Stanley Private Bank, N.A. Prior to his advisory career, he worked at Rutgers University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with comprehensive financial planning and investment services. The firm manages approximately $2.74 trillion in client assets and offers a variety of advisory programs supported by advanced planning tools and a structured discovery process.

Joseph Lupo is a financial advisor with UBS Financial Services who holds Series 63 and Series 66 credentials and has 24 years of industry experience. He worked at Credit Suisse Securities (USA) LLC for 15 years before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, leveraging proprietary capital market assumptions and research to tailor plans based on clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management and also provides custody, underwriting, and capital markets services.

Maureen Butler is a financial advisor at Morgan Stanley with 16 years of industry experience. She previously worked at LPL Financial and R.M. Stark & Co., Inc. Maureen holds the Series 63 and Series 65 credentials. 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 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 methodologies.