Andrew Rutner is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Northwestern Mutual, Truist Financial Corp, American Heritage Federal Credit Union, and Firstrust Bank. LPL Enterprise provides investment advisory and brokerage services to a varied client base, including individual investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and affiliated insurance and trust services.

John Bertolini is a financial advisor with LPL Financial in Westfield, NJ, holding Series 63 and Series 65 licenses and having 10 years of industry experience. His career includes roles at Royal Alliance and The Prudential Insurance Company of America. He is also employed outside the investment advisory business at Westfield CPAs. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jyoti Thawani is a financial advisor at Morgan Stanley in Red Bank, NJ, holding a Series 66 designation with nine years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Douglas Phillips is a financial advisor with Cetera, holding the Series 63 and Series 66 designations and possessing 20 years of industry experience. His career includes roles at Foresters Financial and its affiliated entities from 2011 to 2019 before joining Cetera in 2019. Cetera Investment Advisers LLC 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 supporting both discretionary and non-discretionary strategies.

Sean Brennan is a financial advisor at Morgan Stanley with 24 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney. He holds Series 63 and Series 66 designations and is based in Red Bank, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs. The firm emphasizes tailored financial planning and utilizes structured discovery processes and firm-approved tools to support client outcomes.

Timothy Donnelly is a financial advisor at UBS Financial Services with 44 years of industry experience. He has been with UBS since 1999 and holds Series 63 and Series 65 credentials. Outside of his advisory role, he serves as President and a board member of the Wildwood Golf and Country Club and participates on the board of Shore Club LLC, a golf course and clubhouse partnership. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and access to proprietary research to tailor client investment strategies.

Daniel Sopher is a CFP® with 11 years of industry experience, currently an advisor at LPL Financial. He previously worked at Kestra Advisory and Kestra Investment Services, LLC. Outside of his advisory role, he operates the Sopher Financial Group, a DBA related to his LPL business. 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 a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Michael Manheim is a financial advisor at Wells Fargo Clearing with 52 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at RBC Capital Markets from 2002 to 2007. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, using research and analytics from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Brett Basarab is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds a Series 66 designation and began his advisory career in 2026. Prior to entering the financial industry, his work experience includes positions at Meadowbrook Country Day Camp and Cedar Hill Golf and Country Club. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset management programs. The firm emphasizes risk assessment and matching clients to advisory models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Jeffrey Kroll is a financial advisor at Wells Fargo Clearing with 56 years of industry experience. He has been with Wells Fargo since 2016 and previously 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, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Michele Cerrato Mannino is a Wealth Management Advisor with Merrill Lynch Wealth Management, holding the position of Senior Vice President. With over 30 years of experience in the financial industry, she specializes in serving high-net-worth individuals, corporations, foundations, and pension accounts. Michele’s expertise includes portfolio management, philanthropic planning, family wealth management strategies, corporate executive services, retirement planning, and college education planning. She is a qualified Senior Portfolio Advisor who guides clients through personalized strategies incorporating Merrill or approved third-party investment managers' offerings to help achieve both short- and long-term financial goals. Michele holds a Bachelor of Science degree in Administrative Sciences from Montclair State University and an MBA in Corporate Finance from Monmouth University. She has earned the Personal Investment Advisor (PIA) designation and focuses on a goals-based wealth management approach to address complex financial needs. Michele often collaborates with a team of Merrill specialists, particularly for retirement and estate planning matters. Since November 2021, she has worked alongside her son, Christopher, a CERTIFIED FINANCIAL PLANNER® professional, enhancing her practice through their partnership. Outside of her professional work, Michele is an active community member, having served as a board member of the League of Women Voters. She is also a catechist at the Church of St. Helen in Westfield, New Jersey, where she resides with her husband, Steve. Michele’s personal interests include cooking, reading, sewing, tennis, watching movies, and spending time with her family.

Gary Clawson is a Senior Financial Advisor and Vice President affiliated with Merrill Lynch Wealth Management in the Toms River office. He leads the Stizza Clawson Group, which focuses on providing a comprehensive advisory experience tailored to affluent individuals and corporations. His team emphasizes thoughtful, tax-sensitive investment guidance designed to support clients’ lifestyles, retirement income needs, and legacy objectives through a disciplined, transparent process. Gary’s expertise spans multiple client focus areas including college education planning, family wealth management strategies, employee financial health, legacy planning, liquidity management, managing new wealth, personal retirement planning, socially responsible and values-based investing, tax minimization, and retirement income strategies. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Gary earned both his bachelor’s degree and MBA in Strategic Management from Rutgers University and the Rutgers Graduate School of Management. Raised in Ocean County near the shore, Gary currently resides in Old Bridge with his wife, Tracey, and their two children. He is passionate about education, helping others, and financial planning. Outside of his professional role, Gary enjoys outdoor activities, exercise, and spending time with his family.

Thomas Cooper is a Series 66–licensed financial advisor with LPL Financial, based in Warren, NJ, and has one year of industry experience. His prior work includes roles at KPMG and Barclays, among others. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a network of investment adviser representatives. The firm provides a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by operational tools like machine learning.

Eric Ebisch is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds a Series 66 designation and has recently begun his career in the financial services industry. Prior to joining Equitable Advisors, his work history includes roles at Johnston & Murphy, R.I.C.H. Planning, and involvement with United Way of Passaic County. He has also been active in college athletics and student affairs at Ramapo College of New Jersey. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a network of Investment Adviser Representatives and a variety of third-party advisory programs to deliver tailored investment solutions.

Earl Mckenzie is a CFP® with 43 years of industry experience, currently serving at Cetera since 2023. He previously worked at Cetera Wealth Services, LLC beginning in 2013. Outside of his advisory role, Mckenzie acts as an insurance agent offering fixed life, health, disability, annuities, and long-term care products, and serves as a volunteer member on the Monmouth County District Fee Arbitration Committee reviewing legal fee arbitration complaints. 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 with diverse portfolio management options, including model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets across more than 10,000 advisors.

Connie Joyce is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2005. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and various analytical tools, focusing on advisory services without providing individual security recommendations as part of standalone financial plans.

Karen Cardenas is a financial advisor at Merrill with Series 63 and Series 65 licenses and seven years of industry experience. She has worked at several major firms, including Morgan Stanley, Charles Schwab, Citigroup, and JPMorgan. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Robert Cianci is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. His prior roles include long tenures at Securities America Advisors and Securities America Inc, as well as experience with PNC Wealth Management, Chase Investment Services Corp., Banc of America Investment Services, Inc., and Quick & Reilly, Inc. 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 a wide range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools and extensive financial service offerings.

Anthony Soeira is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior roles include positions at Santander Securities, LLC and M&T Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and various non-advisory financial services.

Wayne Sholk is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Raymond James since 2015. Outside of his advisory role, he manages a support company he owns. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports municipal and public finance work through a municipal advisor affiliation.