Christopher Geraci is a financial advisor with Merrill, holding the Series 66 designation and six years of industry experience. His work history includes roles at Bank of America and Merrill since 2020, with prior experience at T-Mobile, B2B Soft, Aleatory Inc, Bar Anticipation, and Verizon. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Frank is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors Corporation and several Summit firms. Outside of advising, he operates a courier service as a sole proprietor. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios that may include a broad range of investment vehicles.

Georgia Christodoulou is a financial advisor at Mass Mutual Investors Services with 42 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at METLIFE Securities Inc. She is also a partner at Creative Risk, a property and casualty business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured, collaborative planning engagements and a range of programs including money-manager and employer-sponsored planning.

David Wilgus is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 19 years of industry experience. He previously worked at J.P. Morgan Securities and J.P. Morgan Chase NA, where he spent a combined 15 years. 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 with more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Alfred Kelly Jr. is a financial advisor at UBS Financial Services with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has been with UBS since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through various platforms and proprietary research.

Keith Knoop is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. He has been with Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide array of advisory programs, including tailored financial planning using firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Jason Mieras is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with OSAIC since 2024 and has a longstanding career at American Portfolio Financial Services beginning in 2001. Outside of his advisory role, he is a 50% owner and insurance agent at MFI Retirement Planning Assoc., specializing in fixed insurance sales. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing, managing portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments on both discretionary and non-discretionary bases.

Robert Libraty is a Series 66-licensed financial advisor with UBS Financial Services in Red Bank, NJ, where he has worked since 2014. He has 12 years of experience in the industry. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based investment strategies tailored to client goals.

Andrew Mallardi is a financial advisor at Fisher Investments with 20 years of industry experience. He holds the Series 66 designation and has worked at Fisher Investments since 2019, following a 10-year tenure at TD Ameritrade Inc. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals. The firm provides discretionary portfolio management using a centralized investment process that combines quantitative screening, qualitative research, and tax-aware strategies across equity, fixed-income, and blended mandates.

James Dolan is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and offering access to diverse investment and retirement planning resources.

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.

James Blalock is a financial advisor with Morgan Stanley in Red Bank, NJ, holding a Series 66 designation and 22 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is a minority partner in two youth lacrosse websites, The Club Sports Organization, LLC and LaxRanx LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning using firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides financial planning primarily in an advisory capacity.

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.

Michele McMahon is a CFP® professional with 30 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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.

Anna Jasicki is a financial advisor at Morgan Stanley with 15 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2011 and holds a Series 66 designation. 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 supported by structured discovery processes and firm-approved tools.

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.

Anthony Mancino Jr. is a financial advisor at Charles Schwab with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Schwab since 2022, following prior roles at TD Ameritrade and Scottrade. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers investment guidance through multi-asset model portfolios and alternative investment programs.

Richard Wilson is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney since 2009, also working with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

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.