Liberta Falzon is a Series 66-licensed financial advisor with UBS Financial Services, where she has worked since 2004, accumulating 20 years of industry experience. She is based in Wall, New Jersey. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and a broad platform of capital markets solutions.

Gerald Jarmusik Jr. is a financial advisor at Mass Mutual Investors Services with 37 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Mass Mutual Investors Services and Mass Mutual Insurance Company since 2017, following a two-year tenure at MetLife Securities Inc. 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, focusing on collaborative, annual planning engagements that analyze client goals using firm-approved software and provide written recommendations.

Christopher Langley is a financial advisor at Edward Jones with eight years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2018. Prior to this, he was employed at UCB Pharmaceutical and was affiliated with Emory University Goizueta Business School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices across the United States.

Louis Monaco Jr. is a CFP® with 25 years of experience in the financial industry. He is currently with LPL Financial, where he has worked since 2024, following 18 years at Royal Alliance Associates and 16 years at Investment Advisors Asset Management, LLC. Monaco also serves as a trustee for St. Joseph's Church in Bridge, NJ. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, combining a broad advisory platform with extensive non-advisory financial services.

Samuel Mangiapane III is a financial advisor with Cetera, holding a Series 66 credential and 13 years of industry experience. His prior roles include positions at Morgan Stanley and National Securities Corporation. Outside of financial services, he is a partner in a power washing business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Sean Kelly is a Senior Vice President, Wealth Management Advisor, and founder of The Kelly Wealth Management Group at Merrill Lynch Wealth Management. Since joining Merrill in 1993, Sean has advised a diverse clientele including individuals, families, business owners, executives, physicians, multigenerational families, and nonprofit organizations. His practice focuses on strategic wealth management, portfolio design, tax-sensitive investment management, charitable giving strategies, and coordinating complex wealth needs such as alternative investments and customized lending solutions. Sean earned Bachelor’s degrees in Economics and European History from the University of Pennsylvania, where he was a member of the rowing team. He holds the Certified Investment Management Analyst® (CIMA) and Certified Private Wealth Advisor® (CPWA) designations from the Investments and Wealth Institute and has pursued executive education through the Wharton School of Business. A second-generation Merrill Advisor, Sean values building enduring client relationships grounded in trust and thorough, thoughtful analysis. Outside of his professional role, Sean is active in community initiatives as a member of the Rotary Club of Everett and the Penn Alumni Club of Seattle. He resides in Richmond Beach with his wife and three children and enjoys outdoor activities such as fishing, kayaking, and nature photography.

Michele Madsen is a financial advisor at UBS Financial Services with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS since 2016. Outside of her advisory role, Michele is a notary public. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

John Mcdonough is a financial advisor at OSAIC with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including American Portfolios Advisors, Morgan Stanley, and Citigroup Global Markets. He is also the owner of JEM Wealth Management, an independent advisory and insurance business. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, complex affiliate network, and private-equity ownership.

Joseph Fay Jr. is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. His career includes roles at Minnesota Life Insurance Company, Securities Financial Services, Inc., and Allied Wealth Partners. Outside of advising, he has a referral relationship involving consulting medical billing services through CG Moneta Consulting. Cetera Investment Advisers LLC is a large SEC-registered firm serving 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 affiliated and third-party managers.

Darshi Jayawardena is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Wells Fargo since 2017, previously spending 17 years with PNC Financial Services Group. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Theodore Daniels is a financial advisor with UBS Financial Services in Wall, New Jersey. He holds Series 63 and Series 66 designations and has 15 years of industry experience, including prior roles at Bank of America and Merrill. Outside of his advisory work, Daniels performs stand-up comedy on select weekends, sometimes for profit and other times as fundraisers, and contributes to a paranormal-themed podcast. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerance. The firm integrates institutional trading capabilities with wealth management and offers a broad range of capital markets and advisory services.

Joseph Fay III is a financial advisor with Cetera, holding a Series 66 credential and five years of industry experience. He has worked with several firms, including Allied Wealth Partners and Minnesota Life Insurance Company. Outside of advising, he engages in fixed insurance sales as an independent contractor and refers potential clients to consulting medical billing services. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple investment strategies and third-party managers.

Michael Teichman is a CFP® with nine years of industry experience, currently serving as a financial advisor at Equitable Advisors since 2017. Prior to this, he worked at AXA Advisors LLC and has a background that includes four years at SUNY Oneonta. He is an executor for a family trust and has engaged in Medicare insurance activities through Ash Brokerage. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a variety of advisory models and third-party asset managers, offering a range of investment options and ERISA fiduciary services to qualified plans.

Mithilesh Pimpariya is a CFP®-certified financial advisor with 12 years of industry experience, currently with J.P. Morgan Securities. His prior experience includes roles at Bank of America, Merrill, and PNC Investments. Outside of his advisory work, he is a passive investor and part owner of an e-commerce business selling household products on Amazon. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research, with capabilities that include derivatives and commodities advisory.

Walter Henry is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and having 22 years of industry experience. He worked at UBS Financial Services and UBS Bank USA from 1999 to 2022 before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using approved tools and offers a broad selection of retail and institutional investment services.

Margaret Lynch is a financial advisor with Morgan Stanley, holding a Series 66 designation and 23 years of industry experience. She previously worked at Merrill for 14 years before joining Morgan Stanley Smith Barney LLC, where she has been since 2022. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and modeling techniques.

Robert Holly is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Morgan Stanley since 2020, following prior roles at Academy Securities and Loop Capital Markets. Outside of his advisory work, Holly serves as a member of the university relations committee for the Old Guard of Princeton nonprofit organization. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and economic modeling techniques.

Richard Galgano is a financial advisor at UBS Financial Services with 37 years of industry experience. He previously worked at Wells Fargo Clearing and RBC Capital Markets. Galgano serves as an adjunct teacher at Ocean County College and is the treasurer of the Ocean County College Foundation, where he helps provide scholarships. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm uses proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Gregory Beckman is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo since 2016, with prior experience at Prudential Equity Group. He serves as a trustee for a family trust in Wall Township, NJ. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with a broad product distribution network to deliver brokerage and advisory solutions.

Alexander Jakucs is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds the Series 66 designation and has worked at several firms, including NYLife Securities LLC and MassMutual Life Insurance Co. Outside of his advisory role, he is also involved as an insurance broker with Creative Risk Management, LLC. Mass Mutual Investors Services is a broker‑dealer and SEC‑registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning engagements using firm‑approved analytical tools and offers specialized services such as divorce planning and event-driven employer-sponsored planning programs.