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.

William Bertscha is a financial advisor at LPL Enterprise with 33 years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at ICE, Oppenheimer & Co, Northwestern Mutual, Tullett Prebon Financial Services, and Tradition Securities and Derivatives. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is typically model-driven, offering financial planning, access to third-party asset managers, and a Model Wealth Portfolios wrap program.

Frank Connelly is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at Wells Fargo Clearing since 2022. Prior to this, he spent several years at Morgan Stanley Private Bank and Morgan Stanley, as well as a brief period at FJC Capital Management. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics to support diversified investment strategies.

Michael Gould is a financial advisor with Ameriprise in Edison, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate firms since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Heriberto Torres Jimenez is a financial advisor at Wells Fargo Clearing with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Barclays, Villanova University, Rowan University, and service in the United States Air Force. 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 range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Harpartap Boyal is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he works directly with clients to define their financial goals and develop portfolio strategies tailored to help them achieve these objectives. He provides ongoing advice and adjusts portfolios as clients' situations evolve. Harpartap holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rutgers. His approach focuses on managing the complexities involved in financial planning, including aspects such as retirement, college funding, eldercare, and healthcare needs.

Antonio Alessandra is a Series 66-licensed financial advisor at Morgan Stanley with 14 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012 and with Morgan Stanley Private Bank, National Association since 2015. Alessandra is based in Red Bank, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes and proprietary tools to support client objectives.

Nina Zelaya is a financial advisor with Wells Fargo Advisors in Iselin, NJ, holding Series 63 and Series 66 credentials and 11 years of industry experience. Her work history includes roles at Wells Fargo Clearing and Wells Fargo Bank. Wells Fargo Advisors Financial Network is a broker‑dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services including retirement, education, and specialized planning areas, using Wells Fargo’s research and tools to develop tailored recommendations.

Tara Bitterly is a Series 66-credentialed advisor with Morgan Stanley, based in Red Bank, NJ, where she has worked since 2015, including nine years with Morgan Stanley Private Bank, N.A. She has nine years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and strategies developed by its Global Investment Committee.

Jane Vamos is a financial advisor at Merrill with 36 years of industry experience. She holds the Series 63 and Series 66 designations. Her career includes two separate tenures at Merrill totaling 19 years, as well as roles at Morgan Stanley Smith Barney LLC and Morgan Stanley & Co. LLC. 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. The firm offers model-based and discretionary investment strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jacob Forman is a Financial Consultant at Fidelity Investments, where he focuses on holistic financial planning for individuals and families. He works collaboratively with clients to create personalized strategies that address their unique financial goals and needs. Jacob has been with Fidelity Investments since 2018 and has held various roles including Financial Representative, Relationship Manager, Planning Consultant, and now Financial Consultant since 2022. Prior to joining Fidelity, he served as a Financial Advisor at North Star Resource Group from 2015 to 2017. He holds the Certified Financial Planner (CFP®) designation and stays informed on industry trends to provide guidance tailored to his clients' requirements.

Kannan Jayaram is a financial advisor at Equitable Advisors with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his advisory role, he works as a ski and snowboard instructor at Vail Ski and Snowboard School in Colorado. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individual, institutional, and nonprofit clients. The firm offers a variety of advisory programs and works with third-party asset managers to deliver customized investment solutions.

Christian Dammann is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial industry. He began his career in 1997 as a trader on the New York Stock Exchange before transitioning to financial advising in 2007. Christian holds multiple FINRA registrations, including Series 7, 24, 25, 31, and 67, as well as Life and Health insurance licenses. He is also designated as a Personal Investment Advisor (PIA). Christian focuses on areas such as college education planning, family wealth management strategies, portfolio management services, and retirement income. He emphasizes building trusted relationships with clients, helping them plan for life’s changes and challenges through personalized and attentive financial advice. Christian is committed to guiding clients by advising them on making informed decisions rather than simply providing information. He earned a Bachelor of Science degree in Business Management in 1997 from Southern Connecticut State University, where he was a four-year starter and team captain on the football team. Christian engages in community service, having served as president of the Red Bank Kiwanis Chapter from 2013 to 2014, contributing to fundraising efforts for local children's organizations. His personal interests include biking, fishing, football, golfing, reading, surfing, and spending time with his family.

Alejandro Sanchez Ordonez is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. He has worked at Bank of America, Merrill, Capital One Bank, National Geographic, and CUNY The City College of New York. Outside of his advisory role, he serves as the 2nd Vice-President on the board of the Alumni Association of the City College of New York and is the founder and managing member of Brooklyn Wear Company, a clothing retailer. 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. The firm offers both model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Cultrera is a CERTIFIED FINANCIAL PLANNER™ professional affiliated with LPL Financial in Brooklyn, NY. He has 13 years of industry experience and has previously worked at firms including Woodbury Financial Services, Ridgewood Savings Bank, and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Yevgeniy Morozov is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at J.P. Morgan Securities LLC since 2012, alongside a concurrent role at JPMorgan Chase Bank, NA. From 2019 to 2022, he was also affiliated with Mz Technology Corp. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Corey Spina is a financial advisor at OSAIC with two years of industry experience. Prior to joining OSAIC in 2024, he worked at BetMGM for four years and held roles at MLB Network and Minute Media. He is also involved with Evergreen Financial Group, LLC, where he works with clients on retirement and college savings planning. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple advisory platforms to manage portfolios that may include various asset classes.

Lisa Natale is a financial advisor with Merrill in Red Bank, New Jersey, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. She has been with Merrill since 2016. Outside of her advisory role, Natale serves as President of the American Legion Auxiliary and Vice President of Monmouth County. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Badenhop is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009, following earlier experience at Citigroup Global Markets beginning in 2003. 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 manages approximately $2.74 trillion in client assets through a structured planning process that uses firm-approved tools and market models.