Paul Bitterly is a financial advisor at Morgan Stanley in Red Bank, NJ, holding a Series 66 designation with eight years of industry experience. He has worked at Morgan Stanley since 2017 and previously held roles at The College of New Jersey. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through Corporate Financial Planning agreements with employers.

Andrew Marcucci is a financial advisor with Ameriprise Financial Services in Red Bank, NJ, holding Series 63 and Series 66 licenses and with 18 years of industry experience. His prior firms include Merrill, Bank of America, PNC Bank, and Empower Financial Services. Marcucci is also the owner of Belle Époque Productions, Inc., a voiceover recording business he has operated since 1995, which is currently inactive. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized retirement income planning service that provides written recommendations and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Rosemary Angeloni is a financial advisor at Morgan Stanley with 19 years of industry experience. She previously worked at Goldman Sachs & Co. for 23 years and held roles at Wells Fargo Bank and Wells Fargo Clearing Services before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Isabella Fioribello is a financial professional with four years of industry experience, currently affiliated with Cetera. She holds the Series 66 designation and has worked at multiple firms including Avantax Investment Services, Maniscalco Wealth Management, and Posterity Family Wealth Management. Outside of her advisory roles, she is a licensed real estate referral agent with Weichert Realtors and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporations, and institutional accounts. The firm offers diverse investment solutions through a multi-manager platform, providing access to model portfolios, third-party managers, and bespoke strategies across various program structures.

Jonathan Ranieri is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2010 and Bank of America, N.A. since 2012. Outside of his advisory role, he maintains an active real estate sales license related to his family's brokerage in New Jersey. Merrill, along 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 individuals, high-net-worth clients, and institutions.

Trevor Sahol is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and one year of industry experience. Prior to joining Wells Fargo, he was associated with LPL Enterprise and Morgan Stanley. Outside of his advisory role, he is involved in a non-variable insurance business. Wells Fargo Advisors is a national securities firm that serves individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 financial advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Michelle Miranda is a Financial Advisor affiliated with Merrill Lynch Wealth Management. She specializes in personalized wealth management strategies aimed at helping families, business owners, and executives build, preserve, and transition wealth. Michelle focuses on providing clarity and guidance to enable her clients to make confident financial decisions aligned with their individual goals. Her expertise includes college education planning, executive compensation, family wealth management strategies, institutional investment consulting, as well as services for endowments, foundations, and non-profits. She also addresses legacy planning, managing new wealth, personal retirement planning, tax minimization, and supports clients through various life stages with tax-aware financial strategies. Michelle holds a Bachelor's Degree from Rutgers and the Personal Investment Advisor (PIA) designation. In her personal time, she enjoys activities such as biking, bowling, camping, dancing, gardening, golfing, hiking, pickleball, traveling, and yoga.

Tino Salaris is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 designations and 11 years of industry experience. His career includes roles at Merrill, Bank of America, TD Ameritrade, and Schwab firms. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary client relationships with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Joseph Mandile is a financial advisor at Ameriprise with 38 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to his current role, he worked at Ameriprise Financial Services, Inc. for 31 years. Outside of advising, he is involved in a business ownership role related to office lease and management. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm delivers non-discretionary, research-driven recommendations that integrate tax-efficient withdrawal strategies and Social Security options, supported by algorithmic tools and oversight committees.

Robert Jaffe is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Royal Alliance for 15 years and RBC Capital Markets for 9 years. Outside of his advisory role, he is involved in fixed insurance sales through two LLCs. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach that emphasizes model-based asset allocation, portfolio optimization, and the use of multiple management strategies and platforms.

John Ulrich is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm focuses on tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and analytics.

Nicholas Thierry is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities, he worked at Merrill Lynch for five years. He has had diverse employment history including roles outside finance such as with Flexwork Sports. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm's process includes centralized due diligence combining quantitative and qualitative research, and it maintains broader derivatives and commodities capabilities compared to many institutional advisory programs.

Michael Emerson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has been with LPL Financial since 2013 and has worked as an Independent Sales Agent since 1999. His other business activities include acting as a non-variable insurance agent. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes and investment approaches.

Douglas Niosi is a financial advisor at Osaic Wealth with 26 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Royal Alliance Associates and John Hancock Financial Services. Outside of his advisory role, he serves as a referee for youth travel soccer games. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with tools like risk-tolerance questionnaires and portfolio optimization, offering a variety of advisory and brokerage services through a large multi-advisor platform.

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 registrations and bringing 29 years of industry experience. He has worked with J.P. Morgan Securities and JPMorgan Chase Bank since 2019 and previously with Merrill Edge and Merrill from 2016 to 2019. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program structure.

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.

Daniella Mills is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and three years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., with prior experience at Thriftway Cards and Gifts. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Arthur Tyminskyy is a Series 66-licensed advisor with J.P. Morgan Securities and has one year of industry experience. His prior roles include positions at JPMorgan Chase Bank, Argo Partners, and various other businesses. Outside of finance, he has been involved with All Heart Homecare. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process includes centralized due diligence and a combination of quantitative and qualitative research to develop model asset allocations, with clients retaining final decision-making authority.