Armando Krusell is a financial advisor with LPL Enterprise holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Enterprise, he worked at TD Bank N.A. and Dicks Sporting Goods, and was a full-time student for eight years. He is also involved in non-variable insurance activities through an independent agency. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to various asset management and brokerage products through an integrated platform.

Holly Marcin is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. She has worked at Charles Schwab since 2019 and was previously employed at Abel HR for one year. Prior to her career in finance, she was a homemaker for over two decades. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a range of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm provides both non-discretionary and discretionary investment options, supported by strategic asset allocation models and centralized operational infrastructure.

Ronald Crudo Jr. is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked with firms including LPL Financial, AXA Advisors, and Calamos Financial Services. He is also an insurance agent involved in the sale of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. 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, supporting diverse investment strategies under various program structures.

Richard Cardinali is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 27 years of industry experience and 25 years dedicated to wealth and retirement planning. Since joining Bank of America in 1998 and transitioning to Merrill in 2008 with his team, he has focused on helping clients implement strategies centered on asset and lifestyle preservation, trust and estate planning, tax minimization, and the efficient transfer of assets. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, socially responsible investing, and retirement income planning. Richard holds a Bachelor’s degree from Bucknell University and is a Certified Plan Fiduciary Advisor (CPFA®), a Personal Investment Advisor (PIA), and a Retirement Accredited Financial Advisor (RAFA). He emphasizes a client-first approach to wealth and retirement planning, aiming to support clients in achieving a work-optional lifestyle through customized financial strategies that adapt as their lives evolve. A native of New York City, Richard resides in New Jersey with his three children. Outside his professional activities, he enjoys biking, cooking, football, music, reading, and spending time with his family.

Daniel Rothman is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has been with UBS since 2018. Prior to his current role, his work history includes positions at Compassion First Pet Hospitals and American Income Life. UBS Financial Services serves individual, corporate, and institutional clients offering a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based asset allocation tailored to client goals and risk tolerances.

Christopher Donnelly is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked within the Wells Fargo organization since 2009, previously with Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services through a network of advisors, utilizing proprietary research and planning tools to provide tailored recommendations.

Cynthia Englise is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior experience includes roles at Stifel Nicolaus & Co Inc, Morgan Stanley, and Ameriprise Financial Services, Inc. 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 strategies for a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wayne Brannan is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stuart Hoch is a financial advisor with OSAIC, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 38 years of industry experience, including 22 years at Lincoln Financial Advisors Corp. prior to joining OSAIC in 2025. Outside of advisory services, he provides individual and group health products. OSAIC serves a diverse client base including retail and institutional investors and offers a range of advisory and brokerage services. The firm employs various portfolio construction tools and supports multiple managed account platforms, combining in-house and third-party resources.

Rodney Medina is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is associated with MK Financial Group LLC in Millstone Township, New Jersey. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm provides various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Christopher Malloy is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on legacy planning, personal retirement planning, portfolio management services, and individual and corporate investment strategy. His approach involves thoughtful planning, disciplined investing, and advice tailored to clients' goals and priorities. Mr. Malloy began his career in financial services in 1993. In 1996, he joined the New York Stock Exchange where he spent 19 years as a Designated Market Maker, gaining experience through multiple market cycles and economic environments. His subsequent experience in Private Client Banking and Wealth Management has shaped the long-term, value-based investment approach he brings to clients. He works closely with individuals, families, and business owners to develop personalized financial planning strategies addressing retirement, estate and trust planning, and investment goals. He holds a Bachelor's Degree from Arizona State University and the Personal Investment Advisor (PIA) designation. Mr. Malloy is involved with the Eastern Monmouth Area Chamber of Commerce and participates in community activities including JBJ Soul Kitchen. His personal interests include basketball, biking, golfing, hiking, music, running, and skiing.

Anthony Valente is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009, following earlier experience at Citigroup Global Markets starting in 2006. Outside of his advisory practice, he is the sole proprietor of Valente Motorsports LLC, an automotive and transportation business. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides investment services that include wrap programs, private funds, and structured products.

Alan Friedman is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Equitable Advisors since 2003, previously associated with Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Michelle Stokes is a financial advisor at Fidelity with nine years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at Wells Fargo Clearing, JPMorgan Chase Bank, and Santander Bank. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including model portfolios delivered to intermediary platforms.

Ebony Benjamin is a financial advisor at Wells Fargo Advisors with 10 years of industry experience. She holds the Series 66 designation and has worked within various Wells Fargo entities since 2007. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu that includes specialized services such as business-owner transition planning and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Hoda Ali is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2008. She has been with Fidelity Investments since 2004, starting as a Financial Representative, then serving as an Investment Consultant before her current role. As a Certified Financial Planner, she works closely with clients to address their unique financial goals and objectives. Hoda emphasizes comprehensive wealth and family planning as well as investing in her practice. She holds a California Insurance License, supporting her ability to provide a range of financial services. Her experience spans over a decade within Fidelity Investments, focusing on financial consulting and investment advice.

Deborah Mannix is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. She has been with Bank of America and Merrill for the past 10 years. Outside of her advisory role, she has an interest in a rental property business located in Islamorada, Florida. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Michael Snyder is a financial advisor with Ameriprise in Cranford, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Snyder serves on the Board of Directors for NJ Rise, a nonprofit organization. Ameriprise is a large institutional firm offering retirement-income planning services primarily for individuals with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

Peter Mc Carron is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Raymond James Financial Services, Inc. since 2002. In addition to his advisory role, he owns a branch support company, PG&M Consulting. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual and high-net-worth clients, as well as institutional and corporate clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports a range of advisory programs and institutional portfolio management.

Frank Condon is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory role, he serves as Treasurer for Western Monmouth Habitat For Humanity. UBS Financial Services Inc. offers brokerage and investment advisory services to individual, corporate, and institutional clients, utilizing a range of products including fee-based financial planning, portfolio management, and alternative investments. The firm integrates institutional trading capabilities with wealth management and leverages proprietary research and model-based asset allocations to tailor client strategies.