Ashley Gunther is a financial advisor at LPL Enterprise with one year of industry experience. She holds the Series 66 designation and has prior work history at Truist Advisory Services, Truist Investment Services, Truist Bank, BB&T Bank, and PNC Bank. Additionally, she is involved in a non-variable insurance agency business in Cherry Hill, NJ. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products through its integrated platform.

Ronnie Critelli is a Series 66-credentialed financial advisor with 24 years of industry experience. He is currently with Wells Fargo Advisors in Red Bank, NJ, having previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his financial career, he serves as a soccer referee in Old Bridge, NJ. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and develops tailored recommendations using proprietary research and tools, delivering these through meetings and written client summaries.

Michael Minnella is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in guiding first-generation wealth creators, entrepreneurs, and families through financial complexities, with a focus on areas such as divorce transition planning, executive compensation, family wealth management strategies, and personal retirement planning. Michael holds the Chartered Financial Consultant (ChFC) designation and has completed an Accredited Certificate Program from the American College. His expertise includes managing concentrated stock positions, addressing significant life transition events like retirement and inheritance, and collaborating with clients' legal and accounting advisors on estate planning issues. Residing in Howell, NJ, Michael is involved in his community as a baseball, soccer, and softball coach. Outside of his professional duties, he values family time, engaging in activities such as traveling, endurance sports, and volunteering, which inform his approach to wealth management focused on long-term planning and purpose-driven financial strategies.

Kenneth Shine is a financial advisor with Ameriprise, holding a Series 63 designation and 35 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support its clients and emphasizes the use of Ameriprise-managed accounts within its advisory approach.

Waltraud Grande is a CFP® with 44 years of experience in the financial services industry. She is currently with Raymond James Financial Services Advisors, Inc., where she has worked since 2021. Her prior experience includes roles at Cetera Advisor Networks, Summit Financial Group, Wells Fargo Advisors, and operating Grande Financial Services, Inc. for over three decades. Grande is a part owner of Grande Financial Services, Inc. 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, institutions, and nonprofits. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work, distinguishing it within the institutional advisor category.

Jeffrey Langer is a financial advisor with Equitable Advisors in Marlboro, NJ, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has been with Equitable Advisors since 1999 and also worked at Axa Advisors, LLC during the same period. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm operates a hybrid referral and implementation model that includes both advisory and brokerage/insurance channels to implement client recommendations.

Kennedy Crossan is a CFP® professional with 25 years of industry experience, currently affiliated with OSAIC in Red Bank, NJ. He has worked at Royal Alliance since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he owns TFP Partners, LLC, which manages vendor contracts, and is a partner at Prime Wealth Partners, a firm that sells and services fixed insurance products including long-term care, disability, life, and health insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a robust selection of portfolio management tools and access to third-party money managers.

Armando Krusell is a financial advisor with LPL Enterprise holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Enterprise, he worked at TD Bank N.A. and Dicks Sporting Goods, and was a full-time student for eight years. He is also involved in non-variable insurance activities through an independent agency. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to various asset management and brokerage products through an integrated platform.

Shaun Ahern is a financial advisor at Cetera with three years of industry experience. He holds Series 66 and Series 63 designations. Prior to joining Cetera, he worked at New York Life Insurance Company and NYLIFE Securities LLC. Outside of finance, he was involved with Prime 13 Steakhouse and operated Reef and Barrel for several years. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and unaffiliated third-party managers and various program structures.

Alessandra Panagos is a CFP®-certified financial advisor with four years of industry experience. She is currently with Cetera and also works as an assistant at Jack Oujo CPA, Inc dba Oujo Wealth Strategies, supporting tax and retirement planning services. Her previous experience includes roles at Avantax and Fidelity Investments. Cetera Investment Advisers LLC is a nationwide firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over $256 billion in assets under management and more than 10,000 advisors.

Ronald Crudo Jr. is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked with firms including LPL Financial, AXA Advisors, and Calamos Financial Services. He is also an insurance agent involved in the sale of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting diverse investment strategies under various program structures.

Richard Cardinali is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 27 years of industry experience and 25 years dedicated to wealth and retirement planning. Since joining Bank of America in 1998 and transitioning to Merrill in 2008 with his team, he has focused on helping clients implement strategies centered on asset and lifestyle preservation, trust and estate planning, tax minimization, and the efficient transfer of assets. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, socially responsible investing, and retirement income planning. Richard holds a Bachelor’s degree from Bucknell University and is a Certified Plan Fiduciary Advisor (CPFA®), a Personal Investment Advisor (PIA), and a Retirement Accredited Financial Advisor (RAFA). He emphasizes a client-first approach to wealth and retirement planning, aiming to support clients in achieving a work-optional lifestyle through customized financial strategies that adapt as their lives evolve. A native of New York City, Richard resides in New Jersey with his three children. Outside his professional activities, he enjoys biking, cooking, football, music, reading, and spending time with his family.

Daniel Rothman is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has been with UBS since 2018. Prior to his current role, his work history includes positions at Compassion First Pet Hospitals and American Income Life. UBS Financial Services serves individual, corporate, and institutional clients offering a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based asset allocation tailored to client goals and risk tolerances.

Christopher Donnelly is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked within the Wells Fargo organization since 2009, previously with Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services through a network of advisors, utilizing proprietary research and planning tools to provide tailored recommendations.

Cynthia Englise is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior experience includes roles at Stifel Nicolaus & Co Inc, Morgan Stanley, and Ameriprise Financial Services, Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies for a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wayne Brannan is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Stuart Hoch is a financial advisor with OSAIC, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 38 years of industry experience, including 22 years at Lincoln Financial Advisors Corp. prior to joining OSAIC in 2025. Outside of advisory services, he provides individual and group health products. OSAIC serves a diverse client base including retail and institutional investors and offers a range of advisory and brokerage services. The firm employs various portfolio construction tools and supports multiple managed account platforms, combining in-house and third-party resources.

Christopher Malloy is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on legacy planning, personal retirement planning, portfolio management services, and individual and corporate investment strategy. His approach involves thoughtful planning, disciplined investing, and advice tailored to clients' goals and priorities. Mr. Malloy began his career in financial services in 1993. In 1996, he joined the New York Stock Exchange where he spent 19 years as a Designated Market Maker, gaining experience through multiple market cycles and economic environments. His subsequent experience in Private Client Banking and Wealth Management has shaped the long-term, value-based investment approach he brings to clients. He works closely with individuals, families, and business owners to develop personalized financial planning strategies addressing retirement, estate and trust planning, and investment goals. He holds a Bachelor's Degree from Arizona State University and the Personal Investment Advisor (PIA) designation. Mr. Malloy is involved with the Eastern Monmouth Area Chamber of Commerce and participates in community activities including JBJ Soul Kitchen. His personal interests include basketball, biking, golfing, hiking, music, running, and skiing.

Anthony Valente is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009, following earlier experience at Citigroup Global Markets starting in 2006. Outside of his advisory practice, he is the sole proprietor of Valente Motorsports LLC, an automotive and transportation business. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides investment services that include wrap programs, private funds, and structured products.

Dorothy Wilson is a financial advisor with Cetera, holding the PFS™ designation and Series 63 and 65 licenses, with 24 years of industry experience. She has been with Cetera since 2009 and also operates an accounting and tax services firm, Dorothy A Wilson CPA, which she founded in 1999. In addition to her advisory role, she owns an online sales business and serves as an insurance agent selling Medicare supplemental insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that enables advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures and custodial relationships.