Anthony Caldarise is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he leverages the extensive resources of Merrill and Bank of America to implement comprehensive financial strategies tailored to his clients' needs. His expertise encompasses various areas including retirement planning, legacy planning, family wealth management, portfolio management, individual and corporate investment strategies, and services for endowments, foundations, and non-profits. With a disciplined approach to wealth management, Anthony is committed to understanding what matters most to each client before making financial decisions. He holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated with honors in business, focusing on finance, from Ocean County College and also earned a high school diploma from Monsignor Donovan High School. A lifelong resident of Ocean County, New Jersey, Anthony is actively involved in his community through volunteering and fundraising efforts with organizations including Hope Sheds Light, Rotary Club of Point Pleasant Beach, and Sons of the American Legion. He resides in Ocean County with his family and enjoys dancing, golfing, and spending time with them.

Gerard Cala is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has worked at Equitable Advisors since 2016 and previously spent four years with Axa Advisors, Llc. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm’s advisory approach involves assessing client risk tolerance and matching clients to program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Eun Jin Cambio is a financial advisor at Fidelity with nine years of industry experience. She holds the Series 66 and Series 63 licenses. Prior to joining Fidelity Investments in 2025, she worked at Fidelity Brokerage Services since 2017 and Northfield Bank from 2010 to 2017. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, delivering model portfolios composed of mutual funds, ETFs, and ETPs.

Thomas Kunz is a financial advisor with Primerica Advisors in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Advisors since 1989 and Primerica Financial Services since 1991. Outside of investment advisory, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on retail clients rather than institutional or pension plan management.

David Crossan is a financial advisor with LPL Financial in Manchester, NJ, holding Series 63 and Series 65 licenses and having 31 years of industry experience. His prior roles include positions at Wells Fargo Clearing, PNC Wealth Management, and Quick & Reilly, Inc. Outside of advising, he is president of an insurance agency, Lighthouse Medicare Solutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing various investment strategies and advisor support tools.

Molly Staffordsmith is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Equitable Advisors in 2023, she held roles in real estate marketing and public relations, including serving as Director of Marketing and Online Public Relations for Keller Williams Shore Properties. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Brian Ahearn is a financial advisor at Equitable Advisors with 17 years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2009, previously associated with Axa Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both firm-offered programs and third-party advisory solutions.

Michael Sullivan is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and sophisticated modeling techniques.

Stephanie Foster is a Series 66-registered financial advisor with Ameriprise in Cream Ridge, NJ, and has 16 years of industry experience. She has been with Ameriprise and its affiliate since 2013. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendations and ongoing annual advice for retirement income planning. The firm’s approach combines investment research, third-party data, and algorithmic tools within a defined investment universe influenced by affiliated product relationships.

Raymond Sura is a financial advisor with Raymond James Financial, holding a Series 66 designation and bringing 24 years of industry experience. He has worked extensively with Fulton Financial Advisors and related entities since 2013. In addition to his advisory role, he is an enrolled agent and tax preparer at ASWealth Tax Professionals and has authored a book that he markets independently. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary investment consulting and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Andrew Hatch is a Series 66-licensed financial advisor with five years of industry experience. He is currently with Fidelity and previously worked at Equitable Advisors. Beyond his advisory roles, he has held positions in retail and academic settings, including employment at Buyrite of Brick Beer, Wine and Liquor and Rowan University. He works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm combines fundamental research with quantitative and algorithmic portfolio construction, managing a range of model portfolios that include mutual funds, ETFs, and ETPs.

Ryan Shea is a financial advisor at Equitable Advisors with 14 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Merrill, and Prudential in various capacities. Outside of his advisory role, he is an independent agent involved in the sales and service of fixed insurance products. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and nonprofit clients. The firm utilizes a range of advisory models, including third-party programs and discretionary management, serving both non-high-net-worth and high-net-worth clients.

Avasarala Rao is a financial advisor at OSAIC with 29 years of industry experience. He holds the CFP® and ChFC® designations and has previously worked at Woodbury Financial Services, Inc. and Signator Investors, Inc. Additionally, he offers fixed life insurance, disability insurance, and fixed annuities on an as-needed basis to clients. OSAIC serves a diverse range of retail and institutional clients, providing a multi-advisor platform with brokerage and advisory services that include financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach focuses on model-based asset allocation, portfolio optimization, and offers various management strategies and third-party investment options.

James Capen III is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Raymond James Financial and its affiliate Raymond James Financial Services since 2009. Capen also operates as an independent contractor under the Banyan Wealth brand. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary financial planning and investment consulting, utilizing analytical tools and risk profiling to support client goals.

Mark Frey is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes positions at Merrill and Navigator Business Advisors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction. The firm serves a diverse client base and offers model portfolios constructed from mutual funds, ETFs, and ETPs, with oversight controls and a formal advisory role to multiple registered investment companies.

Jennifer Schmidt is a financial advisor with Ameriprise in Allentown, NJ, holding Series 63 and Series 66 licenses and having eight years of industry experience. She previously worked at Paychex and Paychex Securities Corporation before joining Ameriprise in 2021. Schmidt manages her Ameriprise business through an LLC established for tax purposes. Ameriprise provides retirement-income planning services primarily to individuals with significant investable assets, delivering customized recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

John Cicala III is a financial advisor with Equitable Advisors in Toms River, NJ, holding Series 63 and Series 66 licenses and 27 years of industry experience. He has been with Equitable Advisors since 1999, including time when the firm operated as AXA Advisors. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory models and services.

Ronita Hursey is a financial advisor at UBS Financial Services with three years of industry experience. Prior to returning to UBS in 2026, she worked there from 2020 to 2025 and spent 15 years at the U.S. Department of State. She holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and leverages proprietary research to develop tailored investment plans.

Albert Kobular is a financial advisor with Merrill in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Merrill since 1987 and has been affiliated with Bank of America, N.A. since 2011. Merrill, along 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Welsh is a financial advisor at J.P. Morgan Securities with 26 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His career includes roles at Citizens Securities, Santander Securities, LPL Financial, Cetera Investment Services, and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process incorporates centralized due diligence with both quantitative and qualitative research and includes broader derivatives and commodities capabilities.