Stewart Ritter is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked across various Wells Fargo entities since 2009. Outside of his advisory work, he conducts fitness and aerobics classes at the Westfield YMCA. 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 range of planning options tailored to clients meeting a net-worth threshold, using proprietary research and tools to develop recommendations delivered through meetings and written summaries.

Christopher Parmer is a financial advisor with Morgan Stanley, holding a Series 66 designation and over 23 years of industry experience. He has been with Morgan Stanley since 2013 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Xiao Chen is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and having 10 years of industry experience. Prior to joining MassMutual in 2017, Chen worked at New York Life Insurance Company and NYlife Securities. Outside of advisory work, Chen operates an independent insurance and financial services business and is also a licensed loan originator. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, utilizing firm-approved software to analyze client goals and deliver written recommendations.

Thomas Vastardis is a financial advisor at Cetera with 28 years of industry experience. He holds the Series 63 designation and has worked at Avantax Investment Services, Inc. for 27 years before joining Cetera in 2025. In addition to his advisory work, he provides income tax preparation and accounting services through his business, Thomas Vastardis & Associates. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party investment options.

James Hoffman is a financial advisor with Cetera, holding Series 63, 65, and 66 registrations and 30 years of industry experience. His prior work includes roles at National Asset Management and National Securities Corporation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party and affiliated investment strategies.

Mark Rodrick is a financial advisor with Wells Fargo Advisors, holding Series 63, 65, and 66 credentials and 32 years of industry experience. He has worked at Wells Fargo Advisors since 2019 and previously at Morgan Stanley from 2016 to 2019. Rodrick has a 50% ownership in MRFJ Capital, a separate investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and planning tools to develop customized recommendations.

Joseph Debonis Sr. is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 32 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC, as well as managing J&J Marine Electronics for 29 years. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and public entities, offering financial planning, investment consulting, and institutional advisory services through a range of portfolio management approaches.

James Ramentol is a financial advisor with LPL Financial based in Iselin, NJ, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. His prior roles include positions at Cetera, Foresters Financial Services, and Foresters Advisory Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by internal and third-party research.

Merry Scala is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 38 years of industry experience. She previously worked at Cuna Brokerage Services Inc. and Cuna Mutual Group for seven years each. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and multiple portfolio management options.

Joshua Simpson is a financial advisor with Morgan Stanley in Holmdel, NJ, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2023, he served in the U.S. Army for 20 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individual and institutional clients. The firm provides tailored financial planning services supported by structured discovery processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Julia Sternik is a Financial Consultant at Fidelity Investments, where she provides clients with planning and guidance to support their long-term and short-term financial goals. She has been with Fidelity since 2022, progressing through roles including Relationship Manager and Planning Consultant before assuming her current position in 2025. Prior to joining Fidelity, Julia worked as a Platform Consultant at Clark Capital Management Group from 2020 to 2022. Her professional experience encompasses client relationship management and financial planning, enabling her to assist clients in working towards financial success. Outside of her professional responsibilities, Julia enjoys activities such as spending time at the beach, cooking and baking, engaging in family activities, fitness, and traveling.

Keith Motusesky is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Columbia Bank, Cetera Investment Services, Allstate Financial Advisors, and running his own firm, Motusesky Financial Group, for 15 years. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships, utilizing firm-approved software tools and offering specialized planning programs such as divorce and estate-settlement planning.

Brett Pandelo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 20 years of industry experience. He previously worked at Morgan Stanley for 15 years before joining Wells Fargo Clearing in 2024. Outside of his advisory role, he owns BAP Capital LLC, a limited liability company established to hold real estate. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics grounded in diversification principles and modern portfolio theory.

David Grazi is a financial advisor with Mass Mutual Investors Services in Iselin, NJ, holding Series 63 and Series 65 licenses with five years of industry experience. Prior to joining Mass Mutual Investors Services in 2020, he worked at MassMutual Life Insurance Co and gained experience in business consulting and strategic advisory for companies and entrepreneurs outside the financial sector. He also engages in life insurance sales as an independent agent. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers with comprehensive financial planning, asset management, and educational services.

Jigna Patel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously worked at Valley National Bank from 2007 to 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities as a subsidiary of J.P. Morgan.

Paul Favours II is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo since 2016. Outside of his advisory role, he owns and manages real estate businesses in Newark, New Jersey. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Jaime Banghart is a financial advisor with UBS Financial Services in Middlesex, NJ, holding a Series 66 designation and 22 years of industry experience. She has been with UBS Financial Services since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Michael Bassett is a financial advisor at Equitable Advisors with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equitable Advisors since 2004, including its predecessor AXA Advisors. Equitable Advisors serves a wide range of clients, including 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 investment solutions.

Anthony Morrone is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has worked with Cetera Advisors LLC since 2019 and is also involved with Hudson Wealth Management LLC as a financial advisor. Additionally, he operates a fixed insurance business offering life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and consulting services, leveraging affiliations and program options across discretionary and non-discretionary accounts.

Susan Regan is a Senior Financial Advisor at Merrill Lynch Wealth Management. In her role, she offers a comprehensive approach to managing wealth that begins with listening to clients' needs and ensuring every strategy is grounded in understanding their goals. She provides access to Merrill's investment insights and the banking services of Bank of America to address various aspects of clients' financial lives. Susan holds a Master's Degree from Rutgers University and a Bachelor's Degree from Seton Hall University. She is a Personal Investment Advisor (PIA) by designation. She participates in community service aligned with Merrill's tradition, volunteering with organizations such as the Eatontown Food Pantry, the Erica Lenore Diedrichsen Butterfly Memorial Foundation, and the Monmouth County Republican Club.