Raymond Gardner is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and previously worked for Avantax Advisory Services and Avantax Investment Services Inc. Before entering the financial industry, he spent 17 years with the Ocean County Prosecutor's Office. Outside of advising, he serves as a high school and youth sports referee for football and soccer and provides forensic accounting services. Cetera Investment Advisers LLC serves a broad client base including individual investors, employer-sponsored retirement plans, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and third-party money managers.

Charles Head is a financial advisor at Fidelity with 37 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes over 16 years at Tiaa and a year at The Vanguard Group, Inc. He works within Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, fund advisory, and multi-manager structures.

Sergio Pessoa is a financial advisor with Mass Mutual Investors Services in Monmouth Beach, New Jersey, holding CFP® and ChFC® designations and over 23 years of industry experience. He has been with Mass Mutual and its affiliated firms since 2002. Outside of his advisory role, Sergio is involved in several entrepreneurial ventures, including co-owning a family coffee retail business and managing third-party administration services for qualified retirement plans. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers comprehensive financial planning, asset management, and educational seminars, with a focus on collaborative, goal-oriented client relationships.

Yosef Pick is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses, and has three years of industry experience. Prior to joining LPL Enterprise, he worked at TD Private Client Wealth LLC and TD Bank N.A. from 2017 to 2026. Outside of his advisory role, he provides IT support for his wife's e-commerce business. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach and provides access to third-party asset managers, financial planning, and a wrap program, along with affiliated trust custody, insurance services, and lending programs.

Michele McMahon is a CFP® certificant with 31 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Prudential Equity Group, LLC for one year. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to a diverse client base, including individuals, corporations, and institutions. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute alongside third-party data to support its investment approach.

Anna Jasicki is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2011, following a brief tenure at Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market-based modeling techniques.

Cory Case is a financial advisor at Equitable Advisors with nine years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2017, following a prior role at AXA Advisors, LLC. Outside of his advisory work, he is a member of BNI in Manahawkin, NJ. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party investment solutions delivered through a broad network of Investment Adviser Representatives.

Roy Schoenfeld is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 14 years of industry experience, having previously worked at Merrill, Bank of America, and OSAIC. Outside of advising, he offers disability insurance and fixed annuities and works as a delivery driver. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning engagements with clients.

Shannon Schiavo is a financial advisor with Ameriprise, holding a Series 66 designation and 16 years of industry experience. She has worked with Ameriprise Financial Services, Inc. and Ameriprise Financial Service, LLC since 2009. Outside of her advisory role, Schiavo is involved in beekeeping as a non-investment-related business activity. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Stephen Scanapicco is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as prior experience with Citigroup Global Markets and Wells Fargo Clearing. Outside of his advisory work, he is involved with Jellie Belle Holdings LLC, a company engaged in movie productions. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers a range of services including estate planning and broad retail and institutional investment solutions.

Nicholas Cherekjian is an Investment Solutions Representative III with experience at Fidelity Investments and Wells Fargo Advisors. His roles have included Investment Solutions Representative I and High Net Worth Associate at Fidelity, as well as Executive Office Case Advisor at Wells Fargo Advisors. He also held a position as an Actuarial Intern at Crum and Forster. Nicholas focuses on providing client service by listening to understand each client's unique goals, values, and concerns before formulating strategies. He aims to simplify complex financial concepts, offer clear guidance, and build trust through transparency and consistent follow-up. His approach emphasizes education and collaboration to empower clients to make decisions aligned with their objectives. Outside of his professional work, Nicholas enjoys fitness, hiking, outdoor adventures, running, snowboarding, and surfing.

Barry Gottlieb is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and possessing 19 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2010 and the Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools with oversight from its Global Investment Committee.

Alexis Jaeger is a financial advisor at Primerica Advisors with seven years of industry experience. She holds the Series 63 and Series 65 credentials. Outside of her advisory role, she owns an online clothing business called His Kingdom Apparel. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes a model-delivery strategy supported by third-party asset managers and focuses on scaled advisory services through a large network of advisors.

Lucille Cilento is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo since 2016. Prior to that, she worked at Prudential Equity Group, LLC for one year. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Angela Dipalermo is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has worked at UBS since 2022 and previously spent six years at Wells Fargo Clearing. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Michael Cohen is a financial advisor with Osaic, holding the ChFC® designation and Series 63 license, and has 43 years of industry experience. He has worked at Royal Alliance Associates, Inc. since 2018, with prior experience at Signator Investors, Inc. and NEL Equity Services Corporation. Cohen is also president of MRC Wealth Management Inc., where he sells fixed life, disability, long-term care, and health insurance products. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment process emphasizing asset allocation and portfolio optimization, and is notable for its scale, complex affiliate network, and recent consolidation activity.

Vincent Vadala is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 65 and Series 63 designations and 11 years of industry experience. He has been with UBS since 2016 and previously worked at Northwestern Mutual Investment Management for one year. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of investment products and research to tailor client strategies.

Randolph Doerr is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Bank of America, Merrill, Primerica Advisors, OSAIC, and PGIM Investments LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Michael Ayerov is a Series 66-registered financial advisor with J.P. Morgan Securities in Manasquan, NJ, where he has worked since 2012. He has 21 years of industry experience, including prior roles at Merrill and Morgan Stanley. He serves as a board member on the fundraising committee for Chabad Lubavitch of Western Monmouth County, a nonprofit organization promoting Jewish life. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence.

Neil Montesano is a financial advisor with LPL Financial holding a Series 63 designation and 27 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. Montesano is also involved with Boland-Montesano Financial Group LLC, a non-investment business entity. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisors with a range of discretionary and non-discretionary strategies and technological tools.