Lauren Ruperto is an Investment Consultant at Fidelity Investments, a position she has held since 2024. In this role, she collaborates with clients to develop personalized investment strategies that align with their unique financial goals, focusing on balancing risk, protection, and growth. Prior to joining Fidelity Investments, Lauren worked as a Financial Solution Advisor at Merrill Lynch from 2023 to 2024. Her professional experience centers on investment consulting and financial advising, aiming to provide tailored financial planning services. Outside of her professional work, Lauren has interests that include beach activities, cooking and baking, family activities, fitness, outdoor adventures, and parenthood.

Kevin Rodin is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Equitable Advisors since 1999, including during its prior affiliation as AXA Advisors, LLC. Outside of advising, he serves as an administrator or executor of an estate or trustee of a trust for a non-family member. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm delivers advice through a network of Investment Adviser Representatives and utilizes a range of third-party asset managers and proprietary programs.

Michael Didario is a financial advisor at Fidelity with a Series 66 designation and industry experience beginning in 2024. Prior to joining Fidelity, he was involved with Didario Financial L and has worked in roles outside of finance, including at the Hollywood Golf Club. Fidelity’s Strategic Advisers LLC, where he is employed, offers investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Joseph Mele is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63 and Series 65 licenses and having three years of industry experience. He previously worked at Brightview and served as an instructor at Fairleigh Dickinson University. Outside of his advisory role, he maintains insurance appointments. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

Nicholas Brewer is a financial advisor at Morgan Stanley based in Shrewsbury, NJ. He holds a Series 66 designation and has been with Morgan Stanley since 2025. Prior to joining the firm, he worked in various roles including at the High Bar Harbor Yacht Club and Northern Burlington Regional School District. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by advanced modeling tools.

Ingrida Veizaj is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and four years of industry experience. She has worked exclusively within the J.P. Morgan organization since 2016 in various roles. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Eric Sciulla Jr. is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. He has been affiliated with Cetera and its predecessor entities since 2008. Outside of his advisory role, Sciulla is involved in several business activities including managing partnerships in financial consulting and non-CPA tax preparation firms. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary strategies.

Joseph Ganun Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, National Association since 2015. Ganun serves as a board member for the Academy of Certified Portfolio Managers, an educational organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, emphasizing tailored financial planning through structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services including estate planning and comprehensive investment strategies.

Paul Lobosco is a financial advisor at Cetera with 36 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously with I C Advisory Services, Inc. and The Investment Center, Inc. In addition to his advisory role, he is president of Forward Capital Management, LLC and a co-founder and director of American Health Revolution, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio strategies and program options, supported by a large network of over 10,000 advisors and approximately $256 billion in assets under management.

James Varzal is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 38 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. for six years, Royal Alliance for one year, and Petersen Investments, Inc. for four years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Theodore Thiro is a financial advisor at LPL Financial with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with both LPL Financial and Flagstar Bank N.A. since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Dylan Mc Laughlin is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping individuals and families pursue their financial goals through customized planning and proactive guidance. Dylan works closely with clients to develop strategies that address short-, mid-, and long-term objectives, providing ongoing advice and adapting portfolios as clients' situations evolve. His areas of expertise include divorce transition planning, education planning, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, and tax minimization. Dylan holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Pennsylvania State University. Outside of his professional role, Dylan's personal interests include basketball, golfing, hiking, reading, spending time with his family, and watching movies.

Lance Hubeny is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 designations and possessing 43 years of industry experience. He has been with Ameriprise since 2016, currently based in Red Bank, NJ. Outside of his advisory role, he is involved in CPR instruction and works in sales and customer service for a business called We Shoot. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement-income planning, combining investment research and algorithmic tools to provide tailored withdrawal strategies and Social Security guidance.

Lucas De Pofi is a financial advisor with UBS Financial Services, holding a Series 66 designation and five years of industry experience. Prior to joining UBS in 2022, he worked at Merrill from 2020 to 2022. His background also includes roles outside finance, such as positions at Chenango Contracting LLC and Coastal Carolina University. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory solutions, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans to clients' goals and risk tolerances.

Richard Gubitosi is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018. Prior to his financial services career, he was involved with Luigi's Famous Pizza & Restaurant. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and structured processes in its financial planning services.

Jeffrey Vogel is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related products and bank deposit sweep options.

Michael Bleke is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 credential and 22 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 2004. Outside of his advisory role, he is the owner of MB Luxury Auto Group and serves as a successor trustee for a family living trust. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a variety of investment programs, including proprietary and third-party models, and offers ERISA fiduciary services through credentialed Investment Adviser Representatives.

Jeremiah Mc Namara is a financial advisor with Wells Fargo Clearing, holding a Series 63 credential and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Jonathan Curatola is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Red Bank, NJ. He focuses on delivering personalized wealth management strategies that align with his clients' financial goals. Utilizing the investment resources of Merrill and the banking solutions of Bank of America, he aims to provide comprehensive advice and guidance for various financial needs. Jonathan's expertise includes college education planning, family wealth management, liquidity management, retirement planning, and tax minimization, among other areas. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned both his Bachelor's and Master's degrees from Saint John's University. In addition to his professional commitments, Jonathan participates in community volunteer activities, reflecting the Merrill tradition of community involvement. His personal interests include boating, cooking, football, golfing, and spending time with his family.

Michael Diaco is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 25 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.