Terrence Dotzler is a Series 66-licensed financial advisor with Morgan Stanley in Red Bank, NJ, possessing 19 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been associated with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the Finance Committee of St. Leo the Great Parish in Lincroft, New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and provides financial planning using structured discovery processes and firm-approved tools.

Anthony Rosso is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at firms including Newbridge Securities, LPL Financial, and Regal Securities. Outside of advising, Rosso consults for Aspargo Laboratories, a drug manufacturer and distributor. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and consulting through a multi-manager platform with access to affiliated and unaffiliated managers.

Leslie Tuthill is a Senior Financial Advisor with Merrill Lynch Wealth Management. She works with high net worth individuals and their families to develop personalized wealth plans. Leslie’s approach centers on carefully listening to clients’ needs and risk tolerance to construct and oversee portfolios tailored to their unique goals. With over 45 years of experience in the financial services industry since 1976, Leslie joined Merrill Lynch in 1996. She has expertise in family wealth management strategies, personal retirement planning, portfolio management, and retirement income, and has guided clients through multiple complex market cycles. Leslie holds the Chartered Retirement Planning Counselor™ designation, CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA) credentials, as well as the Series 7, 63, and 65 FINRA registrations. She earned a bachelor's degree from Mount Holyoke College. Leslie resides in Oceanport, New Jersey, and is active in her community as a member of St. George’s By-The-River Church and the Navesink Garden Club. Her personal interests include antiquing, gardening, music, reading, and spending time with family.

Daniel Karstadt is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He previously worked at UBS Financial Services and held roles at various firms including McQueen Kalligan Insurance Services and Northwestern Mutual. Karstadt has been with Morgan Stanley since 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized groups such as its Estate Planning Strategies Group.

Roger Curylo is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Fidelity Investments, and National Financial Services LLC. 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 with a financial planning process that uses structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Meghan Phillips is a financial advisor at OSAIC with four years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Royal Alliance since 2021. Outside of finance, she owns and operates two childcare businesses, Kidematics LLC and Young Hearts LLC, which provide programs for school-aged children and childcare services for infants and young children. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing firm-provided tools and third-party solutions to construct diversified portfolios managed on both discretionary and non-discretionary bases.

Seamus Whalen is a financial advisor with LPL Financial in Woodbridge, NJ, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His prior roles include positions at Lincoln Financial Advisors, J.P. Morgan Securities, Santander Securities, and Merrill. He is also involved in financial education through the Financial Educators Network. 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 broad range of financial planning and investment management solutions, utilizing both proprietary research and third-party subadvisors, supported by advanced operational tools.

Ryan Desarno is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 designations and offering 12 years of industry experience. He has been with Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2016 and worked previously at Equitable Advisors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a network of over 14,000 advisors.

Janet Peterson is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 designations and possessing 24 years of industry experience. Her career includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2018, as well as prior experience at Oppenheimer and E*TRADE entities. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary recommendations and access to discretionary separately managed accounts.

James Jaghab is a financial advisor with Ameriprise in Marlboro, NJ, holding a Series 66 designation and bringing 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2003. Outside of his advisory role, Jaghab owns a business focused on buying and selling sports cards and memorabilia primarily through eBay, and he also provides consulting services as a Certified Divorce Financial Analyst for a law firm. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm’s approach integrates algorithmic automation with advisor partnership and emphasizes the use of its affiliated funds and managed accounts.

Taylor Felline is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and previously worked at Glen Eagle Wealth, LLC and The College of New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment services.

Tina Cilurso is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She previously worked at Wells Fargo Advisors LLC for 12 years before joining Raymond James. Cilurso serves as an advisory board member for Women at Risk International, where she participates in reviewing financial statements. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and public entities—and offers financial planning, non-discretionary investment consulting, and institutional advisory services supported by a wide range of portfolio management styles and affiliated research.

Michael Serrapica is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63 and Series 65 designations and has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2005. In addition to his advisory role, Serrapica is a Certified Public Accountant and principal of his own CPA firm, Michael Serrapica CPA PLLC, which provides tax and accounting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers across multiple program structures and custodial relationships.

Grant Douglas is a Series 66-credentialed financial advisor with five years of industry experience. He is currently with Cetera and also serves as a Wealth Management Advisor at King Financial Network, where he provides investment management and financial planning. His background includes prior roles at Commonwealth Financial Network and educational positions at the University of Delaware and Summit High School. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, employer-sponsored plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and financial planning services, managing over $256 billion in assets across more than 10,000 advisors.

Chayce Ford is a financial advisor at Morgan Stanley with a Series 66 designation and approximately one year of industry experience. Prior to joining Morgan Stanley, he worked at Athletes' Alley for seven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies such as Monte Carlo simulations and Global Investment Committee return estimates.

Ashok Rajan is a financial advisor with LPL Enterprise in Holmdel, NJ, holding Series 63 and Series 66 licenses and having 36 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, Janney Montgomery Scott, Merrill, and PGIM Investments. Outside of his advisory work, he writes lifestyle articles about wine, covering topics such as wine regions and etiquette. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and charitable entities through a large network of investment adviser representatives. The firm’s investment approach is model-driven, utilizing portfolios developed by internal research and third-party strategists, with additional services including financial planning, access to third-party asset managers, and insurance product facilitation.

Patrick Mattes is a financial advisor with Equitable Advisors, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Andrew Nairooz and Morgan Stanley, as well as involvement in educational and recreational organizations. He is also associated with Emerson Reid, a business focused on dental, health, and vision insurance. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of investment adviser representatives, utilizing a range of proprietary and third-party advisory programs.

Francis Consolmagno is a financial advisor at Cambridge Investment Research Advisors with 15 years of industry experience. He has held roles at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2023, and previously worked at Hudson Wealth Management and Cetera Advisors LLC for a decade. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm utilizes a range of portfolio management strategies and platforms, combining proprietary and third-party models, and maintains institutional features such as advisor transition support and compliance processes.

Brian Greenberg is a financial advisor with Cambridge Investment Research Advisors in Staten Island, NY, holding Series 63 and Series 65 credentials and 24 years of industry experience. His prior work includes six years at Cetera Advisors LLC before joining Cambridge in 2019. Outside of his advisory role, he is involved in tax preparation services through ownership of Network Tax Service Inc. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, employing a range of portfolio management and model-based solutions tailored to client objectives.

Meghan O'Neill is a financial advisor with Morgan Stanley, holding ChFC®, Series 63, Series 66, and Series 65 designations and bringing 25 years of industry experience. Her previous roles include positions at J.P. Morgan Securities, J.P. Morgan Chase Bank, Citigroup Global Markets, and TD Ameritrade. She is currently based in Shrewsbury, NJ. Morgan Stanley Wealth Management offers a broad range of advisory programs for individuals and institutions, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of direct individual plans and employer-sponsored financial planning agreements.