Matthew Appel is a financial advisor with Equitable Advisors in Wall, NJ, holding a Series 66 credential and 22 years of industry experience. His career includes roles at Axa Advisors, Guardian Life, and International Planning Alliance. He is a member of the Monmouth-Ocean Development Council. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs through a network of Investment Adviser Representatives and third-party managers.

Michael Mulhaul is a financial advisor at Stifel with 43 years of industry experience. He holds Series 63 and Series 66 designations and has been with Stifel since 2007. Outside of his advisory role, Mulhaul serves on the board of the Kiwanis New Jersey District Foundation and holds leadership positions with Kiwanis International, including Vice President and President, where he is involved in promoting membership and children's service initiatives. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses designed to inform client decisions.

Daniel Chen is a financial advisor at Cetera with 38 years of industry experience. He holds a Series 63 designation and has worked with Cetera Advisors LLC since 2013. Outside of his advisory role, Chen is involved with a nonprofit organization called American Civic Technologies and owns DC Strategies, a financial services business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement model portfolios, third-party manager selections, or bespoke strategies across various program structures and custodial relationships.

Richard Donovan is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 credentials and 43 years of industry experience. He has been with various Morgan Stanley entities since 2009, including Morgan Stanley Private Bank, N.A. since 2022. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Curtis Nesbit Jr is a financial advisor at Morgan Stanley with two years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Equitable Advisors, LLC and Footlocker. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning that utilizes firm-approved tools and modeling techniques to support client decision-making.

Christie Campanella is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and bringing 11 years of industry experience. Her prior roles include positions at Cetera Advisors and Capital Guardian LLC before joining Morgan Stanley in 2017. Outside of her advisory work, she provides animal care services including dog sitting. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Solomon Chemo is a financial advisor with Wells Fargo Advisors in Tinton Falls, NJ, holding CFP® and Series 63, 65, and 66 licenses. He has 34 years of industry experience and has been with Wells Fargo Advisors Financial Network LLC since 2009. Chemo has majority ownership in private investment-related ventures, including SKAJ LLC and Chemo GP, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services with tailored recommendations supported by Wells Fargo research and tools, integrating advisory services with various financial product offerings and referral channels.

Jayeeta Choudhury is a financial advisor at LPL Financial with 19 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. She operates under the DBA Rivers Edge Wealth Partners for her LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and various portfolio management options.

Hugh Dzenis is a financial advisor with Equitable Advisors in Wall, NJ, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Equitable Advisors since 2002, including its predecessor, AXA Advisors. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a range of firm-offered and third-party advisory programs, implementing investment solutions through mutual funds, ETFs, separately managed accounts, and select alternative investments.

Denny Totland is a CFP® with 36 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at City National Bank and RBC Capital Markets. Totland is involved in several business entities related to consulting and wealth management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a national network of advisers. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Cheryl Mara is a Series 66-licensed financial advisor with Morgan Stanley, based in Shrewsbury, NJ, and has 20 years of industry experience. She has been with Morgan Stanley Smith Barney since 2014. 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 including tailored financial planning utilizing structured discovery tools and quantitative modeling to support clients’ financial goals.

Courtney Halasz is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding a Series 66 designation and bringing nine years of industry experience. She has worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC since 2016. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored client recommendations.

Richard Murphy is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets starting in 2004. Outside of his advisory role, he serves on the board of the Diocesan Investment Trust for the Episcopal Church of New Jersey, advising on its investments. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and modeling tools but generally does not include individual security recommendations in standalone plans.

John Mcgovern Jr. is a financial advisor at LPL Enterprise with 33 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining LPL Enterprise in 2024, he spent over three decades with Prudential Insurance Company of America and Pruco Securities, LLC. He is involved with NJPAIP and NJIUA outside of his advisory role. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to a range of brokerage and insurance products through an integrated platform combining advisor programs with financial product sales.

John Weber Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 23 years of industry experience. He has worked previously at Kestra Financial Services, Inc. and Nationwide Provident. Weber also operates a non-variable insurance business through Weber Wealth Management, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, 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, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management and access to research and model portfolios.

Ryan Boyle is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2005. He holds Series 63 and Series 65 licenses. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Blake Benton is a Series 66-credentialed advisor with Equitable Advisors, where he has worked since 2023. He has three years of industry experience. Outside of financial advising, Benton has worked as a bar staff employee at Beach Tavern. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s advisory approach involves assessing client information and risk tolerance to match clients with program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Marisa Margarites is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 38 years of industry experience. She has been with Raymond James Financial Services Advisors, Inc. since 2018 and has worked within the Raymond James Financial Services network since 2016. Margarites serves as a board member for the Belmont Condominium Association. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs risk profiling and modeling tools to support client goals, with additional capabilities in municipal advisory and SIMPLE IRA plan consulting.

Yue Lin is a financial advisor at LPL Enterprise with 17 years of industry experience. He holds Series 63 and Series 65 designations and has worked at LPL Enterprise since 2024, following six years at Pruco Securities, LLC. Outside of finance, he has been involved with Delfy Music Inc. since 2010. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services through an integrated platform that combines financial planning, model wealth portfolios, asset management, and insurance products.

Paul Desmond is a ChFC®-designated financial advisor with 29 years of industry experience. He is currently affiliated with Cetera and has previously worked with LPL Financial. In addition to his advisory work, he owns Wealth Insight Group Tax Services, a tax preparation business. Cetera Investment Advisers LLC serves a broad clientele including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.