William Gambardella is a CFA® charterholder with 23 years of industry experience. He has been with Morgan Stanley since 2016 and currently works at Morgan Stanley Private Bank, N.A. in Red Bank, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning services. The firm employs a structured financial planning process and manages approximately $2.74 trillion in client assets.

Sean Roche is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and possessing 29 years of industry experience. His prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, Santander Bank, Wells Fargo Clearing, PNC Wealth Management, and Banc of America Investment Services. 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 advisory and brokerage services, including financial planning and access to third-party asset management, with a focus on flexible investment strategies implemented by a large network of investment adviser representatives.

Haley Cortese is a Financial Advisor at Merrill Lynch Wealth Management who provides clients with personalized financial planning and strategy development. With professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA), she works to empower individuals, families, and business owners to navigate life's financial decisions with confidence. Haley focuses on a range of client needs such as education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, tax minimization, and retirement income. Drawing from her background and approach as a financial coach, she collaborates with clients to create tailored, comprehensive financial roadmaps guided by transparency and integrity. She holds a Bachelor's Degree from the University of Rhode Island. Outside of her professional career, Haley enjoys fishing, photography, pickleball, soccer, spending time with her family, and watching movies.

Sarah Ratty is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses. She has six years of industry experience and has been with Morgan Stanley and its Private Bank division since 2017. Prior to her advisory role, she worked at Middlesex County College from 2014 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Michael Stevens is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, Stevens has sole ownership of Alpha Wolf LLC, an investment-related business based in Anaconda, Montana. Wells Fargo Advisors is a national securities firm that provides 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 brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Barbara Siegel is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo Advisors and its affiliated entities since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored recommendations for clients.

Matthew Mandile is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. His prior roles include positions at Korn Ferry International, Trilogy International, Robert Half, and involvement with the New York City Football Club and New York Jets. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies.

Ronald Jaeger is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and 33 years of industry experience. He has worked at LPL Financial since 2019 and previously was affiliated with Jaeger Wealth Management, Commonwealth Financial Network, Westport Capital Markets, and Prudential Equity Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions.

Raymond Abbate is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been a Financial Consultant and Financial Advisor since 1978, offering client services in managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. Mr. Abbate graduated from Seton Hall University in 1972 with a Bachelor of Science degree. His career began with Bache, Halsey, Shields in 1978, followed by a move to Shearson Loeb Rhodes in 1981. He continued with the firm through its transitions to Smith Barney and later merged with Morgan Stanley in 2010 before relocating to Merrill Lynch in 2012. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, Mr. Abbate’s personal interests include baseball, golfing, spending time with his family, and watching movies.

Timothy Minafo is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 66 designation and 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has prior experience at Wachovia Bank, N.A., Chase Investment Services Corp., and RBC Capital Markets. Outside of his advisory role, he owns and operates the Tinton Falls Diamondbacks travel baseball team. 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 utilizing research and diversification principles.

Frankie Plasencia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and with 10 years of industry experience. He has been with Wells Fargo in various capacities since 2013. Outside of his advisory role, he owns and operates Nationwide Universal Auto Sales and Nationwide Universal Auto Services, businesses involved in vehicle sales and maintenance. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by extensive research and analytics.

Frank D'erasmo Jr. is a Series 66-registered financial advisor with Ameriprise, where he has worked for five years. He has eight years of industry experience, including previous roles at Equitable Advisors and AXA Advisors. Outside of his advisory work, he owns Junior Ventures, LLC, through which he manages his Ameriprise business. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Richard Salerno is a financial advisor with Stifel, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior roles include positions at Wells Fargo Clearing and multiple divisions of Morgan Stanley throughout a 13-year span. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and probabilistic modeling developed by its Investment Strategy Group.

Kathy Whitacre is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. Her prior roles include positions at Merrill and Bank of America. She serves as a board member of KidsGive NJ, a nonprofit focused on children and youth in New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, incorporating tailored financial planning supported by structured discovery processes and firm-approved tools.

John Vogelzang is a financial advisor with Cambridge Investment Research Advisors. He holds a Series 66 designation and has nine years of industry experience. His prior roles include positions at Advisory Services Network, Purshe Kaplan Sterling Investments, Charles Schwab & Co., and Computershare. Cambridge Investment Research Advisors serves individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs across multiple platforms and custodians.

Roman Furman is a financial advisor with Cetera, holding a Series 66 credential and over 20 years of industry experience. He has worked at Cetera and related entities since 2010 and also runs his own tax and accounting practices, including Furman CPA & Associates PLLC and Tax Target Group LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and advisory services, utilizing a multi-manager platform with both discretionary and non-discretionary program options.

Pavel Kreychman is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012. Outside of his advisory role, he is involved in several business ventures, including ownership interests in a boat charter service and a wholesale food distribution company. 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.

Robert Starosciak is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and has 36 years of industry experience. He has worked with Morgan Stanley since 2009 and with its Private Bank division since 2015. Outside of his advisory role, he is an author and has published a book. 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 employs structured planning tools along with broad retail and institutional offerings.

Armando Patino is a financial advisor at LPL Enterprise with four years of industry experience. He holds a Series 66 designation and has prior experience with Prudential Insurance Company of America, Pruco Securities, LLC, and Liberty Mutual. Outside of his advisory role, he is involved with Be Well Financial LLC, a financial planning and health insurance business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, employer-sponsored retirement plans, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Joe Loiodice is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 designation and has previously worked at Bernstein Institutional Services LLC, AllianceBernstein Investments, Inc., Alliance Bernstein L.P., and Four Springs Capital LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, 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.