Richard Cardinali is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 27 years of industry experience and 25 years dedicated to wealth and retirement planning. Since joining Bank of America in 1998 and transitioning to Merrill in 2008 with his team, he has focused on helping clients implement strategies centered on asset and lifestyle preservation, trust and estate planning, tax minimization, and the efficient transfer of assets. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, socially responsible investing, and retirement income planning. Richard holds a Bachelor’s degree from Bucknell University and is a Certified Plan Fiduciary Advisor (CPFA®), a Personal Investment Advisor (PIA), and a Retirement Accredited Financial Advisor (RAFA). He emphasizes a client-first approach to wealth and retirement planning, aiming to support clients in achieving a work-optional lifestyle through customized financial strategies that adapt as their lives evolve. A native of New York City, Richard resides in New Jersey with his three children. Outside his professional activities, he enjoys biking, cooking, football, music, reading, and spending time with his family.

Daniel Rothman is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has been with UBS since 2018. Prior to his current role, his work history includes positions at Compassion First Pet Hospitals and American Income Life. UBS Financial Services serves individual, corporate, and institutional clients offering a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based asset allocation tailored to client goals and risk tolerances.

Christopher Donnelly is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked within the Wells Fargo organization since 2009, previously with Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services through a network of advisors, utilizing proprietary research and planning tools to provide tailored recommendations.

Cynthia Englise is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior experience includes roles at Stifel Nicolaus & Co Inc, Morgan Stanley, and Ameriprise Financial Services, Inc. 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 strategies for a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wayne Brannan is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 66 credentials and possessing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. 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 research from its Wells Fargo Investment Institute.

Stuart Hoch is a financial advisor with OSAIC, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 38 years of industry experience, including 22 years at Lincoln Financial Advisors Corp. prior to joining OSAIC in 2025. Outside of advisory services, he provides individual and group health products. OSAIC serves a diverse client base including retail and institutional investors and offers a range of advisory and brokerage services. The firm employs various portfolio construction tools and supports multiple managed account platforms, combining in-house and third-party resources.

Rodney Medina is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 37 years of industry experience. Prior to joining LPL Financial in 2009, he worked at Citigroup Global Markets and Citicorp Investment Services. He is also involved with MK Financial Group LLC. 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 provides a wide range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management.

Christopher Malloy is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in legacy planning, personal retirement planning, portfolio management services, and individual and corporate investment strategy. Christopher takes a disciplined, personalized approach to financial planning, aiming to help clients navigate their financial lives with clarity and confidence. Christopher's career in financial services began in 1993. In 1996, he joined the New York Stock Exchange as a Designated Market Maker, where he gained extensive experience through multiple market cycles over 19 years. His background also includes work in Private Client Banking and Wealth Management. He holds a Bachelor's Degree from Arizona State University and is a certified Personal Investment Advisor (PIA). Outside of his professional work, Christopher is involved with the Eastern Monmouth Area Chamber of Commerce and participates in community efforts through JBJ Soul Kitchen. His personal interests include basketball, biking, golfing, hiking, music, running, and skiing.

Anthony Valente is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets from 2006 to 2009. Outside of his advisory role, he is the sole proprietor of Valente Motorsports LLC, involved in the automotive and transportation sector. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and comprehensive investment insights.

Alan Friedman is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Equitable Advisors since 2003, including its predecessor Axa Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm’s approach involves assessing client information and risk tolerance to match clients with appropriate program models or discretionary managers, often utilizing third-party asset management platforms.

Michelle Stokes is a financial advisor at Fidelity with nine years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at JPMorgan Chase Bank, Wells Fargo Bank, and Wells Fargo Clearing. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Ebony Benjamin is a financial advisor at Wells Fargo Advisors with 10 years of industry experience. She holds the Series 66 designation and has worked within various Wells Fargo entities since 2007. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu that includes specialized services such as business-owner transition planning and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Eric Gottesman is a financial advisor with LPL Financial in Brooklyn, NY, holding a Series 63 designation and 13 years of industry experience. His career includes roles at National Life Group and Equity Services, Inc., among others. He also operates ESM Tax Inc, a tax preparation and accounting business. 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, model portfolios, third-party asset management, and institutional platforms.

Hoda Ali is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2008. She has been with Fidelity Investments since 2004, starting as a Financial Representative, then serving as an Investment Consultant before her current role. As a Certified Financial Planner, she works closely with clients to address their unique financial goals and objectives. Hoda emphasizes comprehensive wealth and family planning as well as investing in her practice. She holds a California Insurance License, supporting her ability to provide a range of financial services. Her experience spans over a decade within Fidelity Investments, focusing on financial consulting and investment advice.

Deborah Mannix is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. She has been with Bank of America and Merrill for the past 10 years. Outside of her advisory role, she has an interest in a rental property business located in Islamorada, Florida. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Michael Snyder is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors for NJ Rise. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides personalized, tax-aware retirement planning through a collaborative, non-discretionary process informed by proprietary research and third-party data.

Peter Mc Carron is a financial advisor at Raymond James Financial with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Raymond James Financial Services, Inc. since 2002. In addition to his advisory role, he owns a branch support company, PG&M Consulting. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual and high-net-worth clients, as well as institutional and corporate clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports a range of advisory programs and institutional portfolio management.

Frank Condon is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory role, he serves as Treasurer for Western Monmouth Habitat For Humanity. UBS Financial Services Inc. offers brokerage and investment advisory services to individual, corporate, and institutional clients, utilizing a range of products including fee-based financial planning, portfolio management, and alternative investments. The firm integrates institutional trading capabilities with wealth management and leverages proprietary research and model-based asset allocations to tailor client strategies.

Theodore Perednia is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1981 and brings 40 years of experience in the financial services industry. Theodore and his team serve a diverse clientele, including individuals, families, businesses, accountants, attorneys, medical professionals, and nonprofit institutions and foundations. He holds a bachelor's degree in Economics and Business Administration and an MBA in Finance, both from Wagner College. Theodore is a Personal Investment Advisor (PIA) and integrates a personalized approach in developing financial strategies aligned with clients' long-term goals. Beyond his professional work, Theodore is actively involved in community and charitable organizations. He has been a member of Rotary International since 1985 and served as President of the Rotary Club of New York #6 during 2018-2019. He has also served on the Board of Trustees of the American Red Cross in Greater New York and is a member of several clubs including the Union League Club of New York, the Salmagundi Club, Monmouth Boat Club, and the Economic Club of New York.

Peter Richardson is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he served on the Perth Amboy Board of Education for nine years and has held other community roles related to local education and sports organizations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and maintains a large nationwide network of financial advisors and branch offices.