Yaakov Krumbein is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their priorities and develop strategies aimed at achieving their short-, mid-, and long-term financial goals. His approach involves detailed discussions of clients' financial objectives, concerns, and questions to provide personalized investment and retirement planning guidance, as well as preparation for unforeseen financial needs. His expertise encompasses family wealth management strategies, legacy planning, liquidity management, managing new wealth, individual and corporate investment strategies, tax minimization, and retirement income. Yaakov holds professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Yaakov earned a Bachelor's degree from Fairleigh Dickinson University and a Master's in Financial Planning from the College For Financial Planning. Outside of his professional role, he engages in adventure sports, hiking, table tennis, and spending time with his family.

Matthew Mahon is a financial advisor with Merrill who holds a Series 66 designation and has 19 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rocco Lepore is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is the sole owner of R Lepore Spa MGMT LLC, a resort rental management business. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and firm-approved tools but does not provide individual security recommendations as part of its standalone financial planning program.

John Reilly is a financial advisor at Stifel with 40 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2008 and holds Series 63 and Series 65 designations. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Christine Smith is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has over 30 years of experience in the financial services industry, focusing on helping individuals and businesses achieve their financial goals through personalized wealth management strategies. She advises clients on a range of financial priorities including investment management, retirement planning, cash flow and liability management, education funding, wealth preservation, insurance planning, trust and estate coordination, tax-efficient wealth management, business retirement plans, succession planning, and lending solutions. Christine has a particular focus on assisting business owners with retirement and employee benefit plans as well as succession strategies. Christine holds a Bachelor's Degree from Gettysburg College and a Personal Investment Advisor (PIA) designation. Outside of her professional work, she enjoys skiing, boating, traveling, camping, hiking, scuba diving, yoga, and spending time with her husband and three children. A lifelong resident of Doylestown, Pennsylvania, she and her family have deep roots in the community.

Ronald Maset is a financial advisor with Wells Fargo Clearing in Whiting, NJ, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach 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.

Carla Cardinali is a financial advisor with Edward Jones in Toms River, NJ, holding a Series 66 designation and 16 years of experience at the firm. Her career has been solely with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Christopher Faust is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has been with Equitable Advisors since 2012 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, 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 that includes client intake processes to document goals and risk tolerance, offering both advisory and brokerage/insurance channels to implement recommendations.

Paul Massaro is a Series 66-licensed financial advisor with Morgan Stanley in Toms River, NJ, with 10 years of industry experience. He has worked at Morgan Stanley since 2019 and previously spent nine years at Merrill Lynch Pierce Fenner & Smith. 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 and utilizes a structured financial planning process supported by firm-approved tools and market simulations.

Patrick Sheehan is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term goals. He provides guidance on various aspects of financial planning, including investing, retirement planning, and preparing for unforeseen expenses. Additionally, Patrick facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Patrick's expertise lies in helping clients manage complex financial demands, from purchasing a home and saving for college to addressing healthcare needs and elder care. He works closely with clients to define their objectives and select portfolio strategies tailored to those goals. As a Personal Investment Advisor, he offers ongoing advice and adjusts financial plans to align with clients' changing circumstances. He holds a Bachelor's Degree from the University of Maine and a Master's Degree from Southern New Hampshire University. Patrick's approach centers on uncovering what matters most to clients and their families to create strategies that pursue their financial objectives.

Frank Strucki is a financial advisor with Morgan Stanley in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Morgan Stanley Smith Barney since 2009, with earlier experience at Citigroup Global Markets dating back to 2000. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides planning services through both direct individual engagements and corporate agreements.

Christina Hammond is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she worked at Kayo Conference Series and Producify. Outside of her advisory role, she bartends on weekends at the Beachwood Yacht Club, a sailing club in Beachwood, NJ. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

David Belicose is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and 10 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to tailor services based on client goals, risk tolerance, and time horizon.

Michael Gannon is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market scenario modeling in its financial planning process.

Michael Lewandoski is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2010. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to multiple program structures and third-party money managers, managing over $256 billion in assets.

Beth Ulrich is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 65 licenses and has 20 years of industry experience. She has been with MML Investors Services Inc and MassMutual since 2010. Outside of her advisory role, she is also licensed as a sales agent in life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management services through collaborative, annual engagements using firm-approved analytical tools.

Mark Loevinger is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads The Loevinger Group, which focuses on building enduring client-advisor relationships through objectivity and ongoing dialogue. The team specializes in wealth management for high-net-worth individuals and corporate 401(k) and employee benefit services, including expertise in complex benefit plans. Mark and his team customize wealth management strategies to help clients pursue financial goals, often collaborating with clients’ tax and legal advisors on tax-efficient planning. They regularly review plan progress to ensure alignment with clients’ objectives, utilizing the full range of Merrill Lynch resources and specialists to deliver comprehensive and customized financial solutions. Mark has been with Merrill Lynch since 2011 and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Beth Medrash Govoha. Mark is active in his community, volunteering with organizations such as Chai Lifeline and Nesivos. He resides with his family in Ocean County, New Jersey. His client focus areas include divorce transition planning, executive compensation, endowment and foundation services, defined benefit and contribution plans, liquidity management, managing new wealth, portfolio management, small business strategies, and tax minimization. Mark’s approach involves leveraging the combined investment insights of Merrill Lynch and the banking and lending solutions of Bank of America to help clients achieve their financial goals.

Christopher Urso is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked for CUSO Financial Services, LP for 13 years before joining LPL Financial in 2025. Outside of his advisory role, Urso is a board member of the James T. Reedy, Sr Scholarship Fund and is involved in artistic and musical business ventures. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by research from LPL and third-party subadvisors.

Anne Kraljic is a financial advisor at Osaic Wealth, Inc. with 25 years of industry experience. She holds a Series 66 designation and has previously worked at Securities America Advisors and Invest Financial Corp. Kraljic serves on the boards of several nonprofit organizations, including Caregiver Volunteers of Central Jersey, 21 Plus, and the Ocean County College Foundation, where she is also a member of the finance committee. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, investment planning, and access to third-party money managers, using various tools and platforms to construct diversified portfolios.

Michael Andrieu is a Certified Financial Planner (CFP®) with 21 years of industry experience. He is currently with Morgan Stanley, having worked previously at UBS Financial Services for 11 years. Outside of his advisory role, he is a partner at Pop Sports Nutrition, a nutrition and weight loss service. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis.