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 at Wells Fargo Clearing with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following a nine-year tenure at Merrill. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics.

Jeremiah Mc Namara is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds a Series 63 designation and has previously worked at Morgan Stanley and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics while serving a wide range of client needs.

Jonathan Curatola is a Senior Financial Advisor with Merrill Lynch Wealth Management, operating out of the Red Bank, NJ office. He specializes in working with executives, business owners, and families to navigate financial decisions associated with significant wealth. His areas of focus include concentrated stock positions, equity compensation, liquidity events, retirement planning, investment management, and multigenerational wealth planning. Jonathan employs a goals-based approach to create personalized wealth management strategies that integrate investments, planning, and resources from Merrill and Bank of America. His client focus areas include college education planning, family wealth management, liquidity management, sports and entertainment financial strategies, tax minimization, and retirement income planning. He holds a Bachelor's Degree and a Master's Degree from Saint John's University. Jonathan has earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional pursuits, he enjoys boating, cooking, football, golfing, and spending time with his family.

Louis Pearlman is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 1999, he has developed expertise in customizing sophisticated and integrated wealth management strategies tailored to the needs of affluent clients, including creative professionals, attorneys, financial industry executives, retired corporate executives, and special needs families. He leads The Pearlman Group, a team of four dedicated financial advisors providing a broad range of services beyond asset management and retirement strategies, such as employee stock options analysis, hedging and monetization of concentrated equity positions, liability management, and wealth preservation. Pearlman has experience working with corporate benefit programs, including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. He and his colleague Chris Edgar serve employees' stock purchase plans and are affiliated with the Corporate Services and Advisory Team and the Merrill Lynch Private Equity Services Team, focusing on equity compensation plans, stock option and restricted stock strategies, 10b5-1 trading plans, and executive services. His client focus areas include family wealth management strategies, managing new wealth, and personal retirement planning. Louis Pearlman holds a Bachelor's Degree from The Ohio State University and has earned the Personal Investment Advisor (PIA) designation. He is involved with the Pop Warner Football Association. Outside of his professional work, he enjoys adventure sports, bowling, fishing, golfing, rock climbing, and skiing.

Robert Maher is a financial advisor with Morgan Stanley, holding a Series 66 credential and bringing 21 years of industry experience. He previously worked at UBS Financial Services Inc. for 14 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2023. Outside of his advisory role, Maher serves as a Committee Person for the Monmouth County Republican Committee in New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and approved planning tools to develop financial plans.

Chantley Thomas is a financial advisor with Primerica Advisors in Freehold, NJ, holding Series 65 and Series 63 licenses and one year of industry experience. Prior to rejoining Primerica Advisors in 2025, Thomas worked at Bristol Myers Squibb and Iqvia, and has experience in pharmacy from Campbell University and CVS Pharmacy. Thomas is president of Thomas Multiservices LLC, a non-investment-related business based in Linden, New Jersey. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with over 3,600 financial advisors and offers model-driven investment strategies supported by third-party managers and custodians.

James Holman is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. He has worked with Merrill Lynch since 2018 and previously held positions at Wells Fargo Bank and Bank of America. Outside of his advising role, he manages a rental property in Toms River, NJ. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional entities.

Sean Donlan is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has 28 years of industry experience. His prior work includes roles at Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., Berger Financial Group LLC, and John Hancock Mutual Life Insurance Company. In addition to his advisory role, he operates as an independent insurance agent specializing in dental and group disability income, fixed annuities, and life, accident, health, and long-term care insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, wrap and money-manager programs, and educational seminars, with a collaborative and annual approach to planning using firm-approved analytical tools.

Tara Mundorff is a financial advisor with UBS Financial Services in Red Bank, NJ, holding a Series 66 designation and 15 years of industry experience. She has been with UBS since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad range of capital markets activities.

Dominic Lopiccolo is a CFP® and ChFC® with 39 years of industry experience, currently serving with Cetera since 2023. He has been affiliated with Cetera Wealth Services, LLC since 2013. Dominic volunteers with the CFP Board, providing financial planning education to low-income individuals. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and customized investment strategies.

Robert Romano is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at UBS Financial Services Inc. for nine years. Outside of his advisory role, he is the sole owner of a rental property business. 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 a range of individual and institutional clients.

Thomas Musumeci is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 31 years of industry experience. He previously worked at Royal Alliance Associates for 18 years and Investment Advisors Asset Management, LLC for 15 years. In addition to his advisory role, Musumeci is involved with MWM Financial LLC, a DBA related to his LPL business, and holds a non-variable insurance agent role. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advisory services delivered through a large network of investment adviser representatives using a variety of investment strategies.

Donald Witkowski is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Merrill Lynch Pierce Fenner & Smith, among others. He serves as an advisory board member for the University of Delaware. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Kai Chen is a Series 66-credentialed advisor with five years of industry experience, currently working at J.P. Morgan Securities since 2021. His prior work includes positions at Bank of America and roles outside finance such as at HomeGoods and Ikea. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary written asset allocation advice, manager searches, and customized performance reporting supported by centralized due diligence and a forward-looking investment approach.

Beth Meszaros is a financial advisor at Cetera with 17 years of industry experience. She holds a Series 66 designation and has worked with Cetera since 2009. Outside of her advisory role, she owns and creates handmade knits and gifts sold on Etsy and is involved in managing a needlepoint supplies business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment management and consulting services through a multi-manager platform with access to affiliated and third-party managers.

Gaetano Guerra Jr. is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 30 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he volunteers teaching religion at St. Veronica Church in Freehold, NJ. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and various institutional clients. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists.

Cynthia De Laski is a financial advisor at UBS Financial Services with 43 years of industry experience. She has been with UBS since 1992 and holds Series 63 and Series 66 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work using proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.