Douglas Niosi is a financial advisor at OSAIC with 25 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Royal Alliance Associates, Inc. and John Hancock Financial Services, Inc. Outside of his advisory role, he officiates youth travel soccer games as a referee. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment options and utilizes firm-supported tools such as asset-allocation models and automated rebalancing to construct portfolios.

Charles Tepper is a financial advisor at RBC Capital Markets with 28 years of industry experience. He has held his current position since 2011 and holds Series 63 and Series 65 licenses. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, employing a mix of in-house and third-party investment managers tailored to each client’s risk profile.

Geoffrey Dietzel is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked at Brunswick Financial Group LLC since 2003 and was previously associated with Pruco Securities, LLC from 2003 to 2024. He is involved with The Garback Agency as an associate producer and serves as director and owner of Brunswick Financial Group, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to financial planning, third-party asset managers, and insurance products through affiliated entities.

Michael Iervoline is a financial advisor with J.P. Morgan Securities in Fair Haven, NJ, holding Series 63 and Series 66 licenses and having 29 years of industry experience. He has worked at Merrill and Merrill Edge/Bank of America from 2016 to 2019 before joining JPMorgan Chase Bank, N.A. and J.P. Morgan Securities in 2019. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Richard Hausler is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at UBS Financial Services Inc for 11 years before joining Wells Fargo Clearing in 2021. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

William Gambardella is a CFA® charterholder with 23 years of industry experience. He has been with Morgan Stanley since 2016 and currently works at Morgan Stanley Private Bank, N.A. in Red Bank, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning services. The firm employs a structured financial planning process and manages approximately $2.74 trillion in client assets.

Sean Roche is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and possessing 29 years of industry experience. His prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, Santander Bank, Wells Fargo Clearing, PNC Wealth Management, and Banc of America Investment Services. 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 and access to third-party asset management, with a focus on flexible investment strategies implemented by a large network of investment adviser representatives.

Haley Cortese is a Financial Advisor at Merrill Lynch Wealth Management who provides clients with personalized financial planning and strategy development. With professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA), she works to empower individuals, families, and business owners to navigate life's financial decisions with confidence. Haley focuses on a range of client needs such as education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, tax minimization, and retirement income. Drawing from her background and approach as a financial coach, she collaborates with clients to create tailored, comprehensive financial roadmaps guided by transparency and integrity. She holds a Bachelor's Degree from the University of Rhode Island. Outside of her professional career, Haley enjoys fishing, photography, pickleball, soccer, spending time with her family, and watching movies.

Sarah Ratty is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses. She has six years of industry experience and has been with Morgan Stanley and its Private Bank division since 2017. Prior to her advisory role, she worked at Middlesex County College from 2014 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Michael Stevens is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 credentials and having 29 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Stevens is also the owner of Alpha Wolf LLC, an investment-related business based in Anaconda, MT. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm offers both brokerage and advisory solutions and manages approximately $671 billion in assets through a nationwide network of over 14,000 financial advisors.

Barbara Siegel is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo Advisors and its affiliated entities since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored recommendations for clients.

Matthew Mandile is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. His prior roles include positions at Korn Ferry International, Trilogy International, Robert Half, and involvement with the New York City Football Club and New York Jets. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies.

Ronald Jaeger is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and 33 years of industry experience. He has worked at LPL Financial since 2019 and previously was affiliated with Jaeger Wealth Management, Commonwealth Financial Network, Westport Capital Markets, and Prudential Equity Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions.

Raymond Abbate is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been a Financial Consultant and Financial Advisor since 1978, offering client services in managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. Mr. Abbate graduated from Seton Hall University in 1972 with a Bachelor of Science degree. His career began with Bache, Halsey, Shields in 1978, followed by a move to Shearson Loeb Rhodes in 1981. He continued with the firm through its transitions to Smith Barney and later merged with Morgan Stanley in 2010 before relocating to Merrill Lynch in 2012. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, Mr. Abbate’s personal interests include baseball, golfing, spending time with his family, and watching movies.

Timothy Minafo is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Advisors LLC, Wachovia Bank, N.A., Chase Investment Services Corp., and RBC Capital Markets. Outside of his advisory role, he owns and operates the Tinton Falls Diamondbacks travel baseball team. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, supported by research from Wells Fargo Investment Institute and third-party sources.

Frankie Plasencia is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 66 designations and possessing 10 years of industry experience. He has been with Wells Fargo Clearing and its affiliated entities since 2013. Outside of his financial advisory role, he owns and operates Nationwide Universal Auto Sales and Nationwide Universal Auto Services, which are involved in vehicle sales and maintenance. Wells Fargo Advisors is a national securities firm that provides investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions, utilizing research and analytics to guide investment decisions and delivering a range of financial products through bank and insurance affiliates.

Frank D'erasmo Jr. is a Series 66-registered financial advisor with Ameriprise, where he has worked for five years. He has eight years of industry experience, including previous roles at Equitable Advisors and AXA Advisors. Outside of his advisory work, he owns Junior Ventures, LLC, through which he manages his Ameriprise business. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Richard Salerno is a financial advisor at Stifel with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Kathy Whitacre is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. Her prior roles include positions at Merrill and Bank of America. She serves as a board member of KidsGive NJ, a nonprofit focused on children and youth in New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, incorporating tailored financial planning supported by structured discovery processes and firm-approved tools.

John Vogelzang is a Series 66-licensed financial advisor with nine years of industry experience. He is currently with Cambridge Investment Research Advisors and previously held roles at firms including Advisory Services Network, Purshe Kaplan Sterling Investments, Charles Schwab, and Smallwood Wealth Investment Management. Vogelzang is also involved as an independent insurance agent and provides technical services as a contractor. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm employs various investment platforms and strategies, including proprietary models and third-party managers, with both discretionary and non-discretionary portfolio options.