Murat Sensoy is a financial advisor with Cetera holding the CFA® designation and Series 63 license. He has recent experience at Cetera Wealth Services and other financial firms, including Franklin Templeton Investments. Sensoy is also an associate instructor for an online education firm, teaching a commercial real estate and investment certificate program. 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 a multi-manager platform with various portfolio management options and access to third-party money managers.

Richard Wager is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2020. Prior to that, he was with Wells Fargo Clearing and Wells Fargo Advisors, LLC, as well as Wells Fargo Bank NA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Francis Hackett is a financial advisor at LPL Financial with 13 years of industry experience. He holds Series 65 and Series 63 designations and previously worked for Lincoln Financial Advisors from 2016 to 2024. Outside of his advisory role, he is involved in tax preparation and accounting services and works part-time as a delivery driver. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services, including discretionary and non-discretionary management supported by research and model portfolios.

Mark Lauricella is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 65 and Series 63 licenses with eight years of industry experience. He has worked at Morgan Stanley since 2018, including a position at Morgan Stanley Private Bank, N.A. since 2025, and previously spent four years at Bloomberg LP. Morgan Stanley Wealth Management provides a wide array of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Christopher Maiurro is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His prior roles include positions at Bank of America, Merrill, and Atlas Insight LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Altschuler is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory work, he serves as a caregiver to his daughter through his involvement with Caring With Compassion in Red Bank, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services that include retirement, education, and special-needs analysis, using Wells Fargo research and planning tools to develop tailored recommendations for clients.

Aksel Yavalar is a financial advisor at Morgan Stanley with 17 years of industry experience and holds Series 63 and Series 66 licenses. He has worked at Morgan Stanley since 2016 with intervals at Raymond James & Associates and Locust Wood Capital Advisers. Outside of his advisory role, he is the general partner and owner of 1623 Park Avenue LLC, overseeing investments in a multi-family apartment building, and is also an owner of Keauty LLC, a business managed independently by his wife. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides both direct client service and corporate financial planning agreements.

John Grande Jr. is a CFP® professional with 44 years of industry experience, currently serving as an advisor at Raymond James Financial. He has previously worked at Cetera Advisor Networks, Summit Financial Group, and Wells Fargo Advisors. He is also the owner of Grande Financial Services, Inc., a support company he has maintained since 1986. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary investment consulting using analytical tools and supports a wide advisor network with specialized municipal and public-finance services.

Robert Rafano is a CFP® professional with 24 years of industry experience. He has worked at OSAIC since 2020 and spent 15 years at Ameriprise Financial Services, Inc. Prior to his advisory role, he has served as a board member at large for the Monmouth Council Boy Scouts of America, where he participates in community fundraising and support activities. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and managed-account solutions.

Nicholas Schwed is a financial advisor with Merrill and holds the Series 66 designation. He has three years of industry experience and has worked at Bank of America and Merrill since 2022. His background also includes roles in educational and community organizations, such as Rutgers University and the Somerset Hills YMCA. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Lupi Jr. is a financial advisor with Equitable Advisors in Colts Neck, NJ, holding Series 63 and Series 65 designations and 40 years of industry experience. His career includes roles at Stifel Independent Advisors, Ameriprise Financial Services, Wells Fargo Advisors, and UBS Financial Services. Outside of his advisory work, he is a Managing Director at Client First Financial, LLC. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through various advisory programs and third-party managers.

Vincent Passariello is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Waddell & Reed, Inc. for 23 years and at Avantax Advisory Services for six years. In addition to his advisory roles, he owns and operates a tax preparation service. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports various program structures and investment strategies.

Terrence Carey is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 39 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Outside of his advisory roles, he has ownership interest in a residential real estate business. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to deliver written recommendations in collaborative, ongoing client relationships.

Victor Roccki is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a prior tenure at Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Nicole Mcgrouther is a financial advisor at Raymond James Financial with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC for 22 years before joining Raymond James Financial Services Advisors Inc. in 2017. Outside of her advisory role, she owns a support company used for payroll purposes. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools, and supports its advisory network with various specialized programs and services.

Jonathan Pierro is a financial advisor with LPL Enterprise, holding a Series 66 designation and beginning his advisory career in 2025. Before joining LPL Enterprise, he worked at Deloitte LLP and other firms, and also has experience in education and various business roles. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Karen Rodriguez is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Red Bank, New Jersey. She brings over twenty-five years of experience in the financial industry, specializing in areas such as executive compensation, family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, and tax minimization. Karen works with a diverse clientele including corporate executives, financial services professionals, entrepreneurs, and individuals navigating key life transitions. Her approach involves building strong relationships and providing customized strategies that align with each client’s unique goals, resources, and aspirations. Karen holds an M.B.A. in Finance from The University of Chicago Booth School of Business and a B.A. in Economics from Lafayette College. She has earned the Chartered Financial Analyst (CFA) designation as well as the Personal Investment Advisor (PIA) designation. In addition to her advisory work, Karen is involved with several organizations, including serving as the Merrill Ambassador for her local chapter of the National Association of Women Business Owners and participating in the Bank of America Women’s Exchange. She resides in Fair Haven, New Jersey with her husband and three children, and her personal interests include running, cycling, cooking, tennis, traveling, and spending time with her family. Karen is also engaged with community organizations such as Impact 100 Jersey Coast and the Monmouth Conservation Foundation.

Bryan Pollack is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 credential and six years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Outside of finance, he is involved part-time in sales roles at The Green Bubble Spray Foam and Enterprise Electric. Morgan Stanley Wealth Management offers advisory and brokerage services to individuals and institutions, managing approximately $2.74 trillion in client assets with a focus on tailored financial planning and investment programs.

Gregg Pellecchia is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Equitable Advisors since 1999 and was previously with Axa Advisors, LLC. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and third-party program sponsors to deliver tailored advisory solutions without sponsoring its own wrap fee program.

Matthew Appel is a financial advisor with Equitable Advisors in Wall, NJ, holding a Series 66 credential and 22 years of industry experience. His career includes roles at Axa Advisors, Guardian Life, and International Planning Alliance. He is a member of the Monmouth-Ocean Development Council. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs through a network of Investment Adviser Representatives and third-party managers.