Efraim Yungreis is a financial advisor with LPL Financial in Lakewood, NJ, holding Series 63 and Series 65 licenses and bringing 9 years of industry experience. He has worked at LPL Financial since 2018 and previously at MML Investors Services and MassMutual Life Insurance Company. In addition to his advisory role, he has been associated with Beth Medrash Govoha since 2012. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and technology tools to support account management across various strategies.

Melissa Dineen is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 13 years of industry experience. Her career includes roles at Kearny Bank, Santander Bank, and Investors Bank. She is based in Toms River, NJ. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a multi-manager platform with over 10,000 advisors and approximately $256 billion in assets under management.

Thomas Defino is a financial advisor with Morgan Stanley in Toms River, NJ, holding a Series 66 designation and three years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley, as well as prior work at Venture Solar, Unum, and Theory. Outside of finance, he is involved in soccer training through his role at Celtic Elite Training Academy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Thomas Shapero is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked at Wells Fargo Clearing from 2016 to 2022. He owns Beacon Wealth Advisors, LLC and is involved in Shapero GP, LLC, a merchant partnership. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, combining advisory services with other financial product offerings.

Denise Wiggins is a financial advisor with Equitable Advisors, holding a Series 66 designation and 13 years of industry experience. She has been with Equitable Advisors since 2014 and previously worked at Axa Advisors. In addition to her advisory role, she operates Denise Wiggins Certified Public Accountant LLC. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Thomas Comer is a Series 66-credentialed advisor with Equitable Advisors, based in Point Pleasant, NJ. He has 24 years of industry experience, all with Equitable Advisors and its predecessor, Axa Advisors. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing a mix of third-party managers and firm-offered solutions.

Eugene Etzel III is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and 28 years of industry experience. His prior roles include positions at Chelsea Financial Services, ULLR Holdings, and Scottrade, Inc. Outside of his advisory work, he is a partner at Saga Consulting LLC, assisting with administrative and regulatory filings. Fidelity's Strategic Advisers LLC offers investment management and advisory services to a broad client base, including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios, often employing algorithmic methods and AI-driven tools in its investment process.

Raymond Caggiano III is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Massachusetts Mutual, Santander Securities, Santander Bank, and Sorrento Pacific Financial. He is also the managing partner of UCPC Family Partnership, a family partnership that owns commercial property. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies designed by internal and third-party managers.

William Meltzer is a financial advisor with LPL Financial in Barnegat, NJ, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. His career includes prior roles at J.P. Morgan Securities, Morgan Stanley, Citigroup Global Markets, and other firms. He is also involved with Meltzer Financial LLC, a business entity used for tax and investment purposes. 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 wide range of advisory and brokerage services through a large network of advisors, employing various investment strategies and operational tools.

John Petit is a financial advisor at LPL Financial with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at IC Advisory Services, Inc. and The Investment Center, Inc. In addition to his advisory role, he operates a business specializing in tax preparation and accounting services. 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, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Robert Drexel is a financial advisor at Fisher Investments with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Eagle Strategies, New York Life Insurance Company, and Persevere Wealth Strategies LLC. Drexel is also actively involved in insurance brokering for non-registered products on a limited basis. Fisher Investments serves a global client base comprising institutional and private investors, including pension plans, foundations, and high-net-worth individuals, offering discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative research to manage globally diversified portfolios with tax-aware and risk management strategies.

Russ McNamara is the Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2016. He brings a comprehensive approach to his work, focusing on understanding his clients' objectives to help them develop personalized financial plans. Prior to his current role, he was a Vice President and Financial Consultant at Fidelity Investments from 2009 to 2016. His professional experience includes roles as Vice President and Branch Manager as well as Investment Specialist at Charles Schwab & Co. between 1995 and 2004, and Financial Consultant at Merrill Lynch from 1991 to 1995. He holds a California Insurance License. Outside of his professional duties, Russ enjoys family activities, fitness, golf, hiking, movies, and traveling.

Jacob Rosenberg is a financial advisor at LPL Financial with 26 years of industry experience. He holds the PFS™ designation and Series 66 license. Prior to joining LPL Financial in 2025, Rosenberg worked for Cetera and its affiliates for over 25 years and operates Bernath & Rosenberg, P.C., a tax preparation and accounting firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing 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 custom strategies with third-party asset management and institutional platforms.

Gil Hazan is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes work at GHG Suppliers LLC from 2019 to 2023 and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and includes unique regulatory registrations that support broader derivatives and commodities capabilities.

Mordechai Worch is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. His prior experience includes a brief period at Mordy’s Smokehouse in 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to deliver written asset allocation advice, investment manager searches, and customized performance reporting.

Felicia Malc is a financial advisor with Equitable Advisors in Point Pleasant, NJ, holding a Series 66 designation and 17 years of industry experience. She has worked with Equitable Advisors since 2009, including its predecessor Axa Advisors, LLC. In addition to her advisory role, she is involved in other outside insurance business activities with Guardian and Mass Mutual. Equitable Advisors serves individuals, pension plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset-management programs. The firm’s advisory services employ a range of third-party asset managers and proprietary solutions, emphasizing client-specific risk assessment and program matching.

Matthew Fletcher is a financial advisor with Mass Mutual Investors Services in Brick, NJ, holding Series 65 and Series 63 credentials and four years of industry experience. Prior to joining Mass Mutual Investors Services in 2021, he worked at MAG Aerospace and AASKI Technology. Outside of his advisory role, he umpires travel baseball games in New Jersey. 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, goal-oriented planning relationships.

Jeffrey Trause is a financial advisor with Equitable Advisors in Point Pleasant, NJ, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers to serve clients across various investment solutions.

Scott Mondry is a financial advisor with Edward Jones in Toms River, NJ, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and maintains additional capabilities such as a trust company and securities-based lending.

David Wray is a financial advisor at Edward Jones with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.