Rugmini Padmakumar is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities Inc. for 15 years. She holds a Series 66 designation and serves as a board member for the charitable organization Mantrah. Mass Mutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a range of programs including educational seminars and event-driven planning such as divorce and estate settlement.

Eric Schwam is a financial advisor with UBS Financial Services in Marlboro, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to a wide range of investment products supported by proprietary research and institutional trading capabilities.

Gary Hager is a CFP® with 35 years of industry experience, currently associated with Osaic since 2025. He previously worked at Lincoln Financial Advisors Corporation for eight years and spent thirteen years with Summit Financial Resources, Inc. and Summit Equities, Inc. He is involved in insurance sales through his ownership and agent roles at Integrated Wealth Management Co., LLC. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and nonprofit investors through a broad network of financial advisers. The firm offers integrated brokerage and advisory services, utilizing various platforms and third-party managers to construct portfolios across multiple asset classes with tailored risk management and investment restrictions.

Lori Krikorian is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has worked at Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is involved in renting a personal property during the summer months. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analyses.

Henry Frenzel III is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Stifel since 2014. His tenure includes work with STiFEL NICOLAUS & CO INC. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation, retirement, insurance, and estate planning analyses.

Anthony Frigoletto is a financial advisor with LPL Financial in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Wells Fargo Clearing from 2016 to 2020 and Wells Fargo Advisors LLC from 2009 to 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and retirement plan consulting, utilizing model portfolios, third-party research, and technologies such as machine learning across discretionary and non-discretionary management services.

Stephen Council is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. Outside of his advisory role, he is the owner of PBD Productions, a photography and videography business, and serves as an officer delivering magazines for The Positive Community Magazine. 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.

Phillip Malavarca is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked with Wells Fargo Clearing and Wells Fargo Bank since 2021. Outside of his advisory role, he owns an auto care consulting business and is a notary public in New Jersey. 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, combining in-house research with third-party analytics while offering both brokerage and advisory solutions.

Michael Noone is a financial advisor with Merrill in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. His prior work includes roles at Bank of America, Morgan Stanley Private Bank, and Morgan Stanley Smith Barney. Outside of his advisory work, he serves as a committee member for the Knights of Columbus and the American Cancer Society and is a board member at Georgian Court University. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Masiello is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of advising, he is involved in coaching and consulting other advisors through Advanced Skill Development LLC. Ameriprise is an institutional firm that offers a retirement-income planning service designed for clients with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm delivers customized, non-discretionary recommendations through a centralized consulting team, emphasizing managed accounts and the use of algorithmic tools overseen by specialized committees.

Joseph Aldi Jr. is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 registrations. His prior work includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides comprehensive financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Eugene Giordano is a financial advisor at LPL Financial with 25 years of industry experience. He has held his current position since 2003 and holds Series 63 and Series 66 licenses. His other business activities include servicing fixed insurance contracts and conducting transactions on life, disability, long-term care, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Michael Marano is a Financial Advisor with Merrill Lynch Wealth Management, serving as a primary point of contact to coordinate various aspects of his clients' financial lives. He focuses on delivering personalized wealth management strategies centered around strategy, service, and stewardship, aiming to provide clarity, reduce complexity, and help clients make informed financial decisions. His expertise includes investment management, retirement planning, tax considerations, estate strategies, and other key wealth management areas. Michael works with individuals and families on college education planning, family wealth management strategies, managing new wealth, and retirement income, among other client focus areas. Michael holds a Bachelor's Degree from Pennsylvania State University and the Personal Investment Advisor (PIA) designation. He is a member of the Shore Builders Association of Central NJ and the Southern Ocean County Chamber of Commerce. Originally from Morris County, New Jersey, he resides in Shrewsbury, Monmouth County with his family. Outside of work, he enjoys boating, football, golfing, ice hockey, music, skiing, traveling, and spending time with his family.

Ethan Friedman is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their long-term goals, focusing on comprehensive wealth management. His approach integrates insights from Merrill and the banking and lending capabilities of Bank of America to adapt strategies to evolving market conditions. Ethan's expertise includes services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategies, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Wisconsin Madison. In addition to his professional work, Ethan is committed to community involvement and spends time volunteering with local organizations. Outside of work, his personal interests include ice hockey, music, reading, running, traveling, and spending time with his family.

Maurice Cassara is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and bringing 29 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been associated with Morgan Stanley Smith Barney and Citigroup Global Markets since 2009 and 2004, respectively. 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 firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Kimberly Riccoboni is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 20 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and has worked at MetLife Securities Inc. since 2011. 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 collaborative, annual planning engagements using firm-approved analytical tools and delivers written recommendations without discretionary investment authority.

John Reilly is a financial advisor at Cetera with 29 years of industry experience. He holds the Series 63 designation and has worked previously with Allied Wealth Partners and Securian Financial Services. Outside of advising, he is also an insurance agent and broker. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform with discretionary and non-discretionary program options.

Thomas Frothingham is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. He holds the Series 63 and Series 66 designations. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional market-facing registrations and functions.

Dipak Shah is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has worked with Prudential Insurance Company of America since 1998 and transitioned to LPL Enterprise in 2024. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to various investment programs through a platform that integrates advisory and brokerage channels.

Christopher Junquet is a financial advisor with Merrill, holding the Series 66 designation and two years of industry experience. His prior work includes roles at Ohio State University and MWWPR. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.