Theresa Boulos is a Senior Financial Advisor at Merrill Lynch Wealth Management, leading the Fields Boulos and Associates team. The team offers wealth management services to high-net-worth families, focusing on retirement strategies, wealth management, asset preservation, and legacy planning. They serve affluent families nationwide and consist of a diverse, multigeneration group of wealth management professionals. Theresa holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a bachelor's degree from Saint John's University. Theresa previously served as Chair of the Global Wealth Investment Management Women's Exchange at Merrill Lynch, a network of approximately 7,000 employees focused on business development, mentorship, recruitment, and advocacy. She is dedicated to advancing the careers of female employees within Merrill. Theresa and her family are long-standing members of the Red Bank and Monmouth County community. Her interests include cooking, gardening, spending time with family, and traveling.

John Coscia is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at American Portfolios Financial Services, Inc. for nine years. Outside of advising, he is involved in insurance and tax preparation services through his ownership of AJC Advisors/Crump Insurance. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, and institutions, providing brokerage and advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include a broad range of investment products, offering both discretionary and non-discretionary account management.

Matthew Lane is a financial advisor with RBC Capital Markets in Red Bank, NJ, holding Series 63 and Series 66 licenses and possessing 33 years of industry experience. His prior roles include positions at City National Bank, Morgan Stanley Private Bank, and Morgan Stanley Smith Barney. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to client advisory risk profiles.

Michael Tancorra is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 65 and Series 66 credentials and 15 years of industry experience. He has worked with Equitable Advisors since 2010, including its predecessor Axa Advisors LLC. Outside of his advisory role, he serves as a board member of the Horizon Boys & Girls Club of Lodi/Hackensack, assisting with operations and budgeting. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored programs and endorsed TAMPs.

Patrick Quinn is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in legacy planning, personal retirement planning, and both individual and corporate investment strategies. Patrick works to create personalized financial strategies aligned with clients' long-term goals using insights from Merrill and banking solutions from Bank of America. He holds multiple professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Patrick earned a Bachelor's Degree from Rutgers Business School and a High School Diploma from the Marine Academy of Science and Technology. In addition to his professional work, Patrick participates in community volunteering consistent with the Merrill tradition. Outside of work, his personal interests include cooking, gardening, tennis, and traveling.

Mary Vitiello Hughes is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Equitable Advisors since 2014, following six years at AXA Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and a broad range of third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage services tailored to client goals, risk tolerance, and time horizon.

Robert Zwigard is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He has been with Linsco / Private Ledger Corp., now part of LPL Financial, since 2000. Outside of advising, he is involved in the sale of group medical and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, employing both discretionary and non-discretionary management alongside research-supported model portfolios.

Kris Frazier is a CFP® with 25 years of industry experience, currently serving at Ameriprise. His prior experience includes roles at Morgan Stanley Private Bank and PRUCO Securities Corporation. He serves as president of the nonprofit organization 4 Changemakers in Atlantic Highlands, NJ. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated companies and employs a research-driven, model-based approach to retirement income planning.

Steven Rothman is a Certified Financial Planner (CFP®) with 45 years of experience at UBS Financial Services, where he has worked since 1981. Based in Red Bank, NJ, he holds Series 63 and Series 65 licenses. Outside of his financial advisory role, he has engaged in acting, appearing in commercials and small parts in film and television since 2019. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans to clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody services.

Patrick Morris is a financial advisor at Equitable Advisors with 44 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to his current role, he worked at Axa Advisors, LLC from 1999 to 2020. Outside of his advisory work, he serves as chairman and main organizer of the Rutgers Greg Schiano Charity Golf Classic. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, tailoring services based on client goals, risk tolerance, and time horizon.

David Lynch is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors since 2006, including time when the firm operated as Axa Advisors, LLC. Lynch previously established an LLC for tax purposes, which remains open but inactive. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through LPL programs and various third-party asset managers. The firm employs a hybrid referral and implementation model, providing both advisory and brokerage/insurance services tailored through a client intake process.

Nicole Bondellio is a financial advisor at LPL Financial with one year of industry experience. She holds the Series 66 designation and has previously worked at StoneX Securities Inc. and Trust Advisory Group Ltd. Bondellio also has entrepreneurial experience through her involvement with Yellow Stonehouse Farm. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by extensive research and diverse investment strategies.

Daniel Grieco is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has been with Cetera and its affiliated entities since 2010 and also operates Grieco Financial Solutions LLC. Outside of advisory work, he is employed part-time as a package loader in New Jersey. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, 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 investment strategies through affiliated and third-party managers.

Karen Flannery is a CFP® with 16 years of industry experience, currently affiliated with OSAIC Wealth, Inc. She previously spent 14 years with Lincoln Financial Advisors and one year at LPL. In addition to her advisory role, she serves as a trustee for a special needs trust and operates an accounting and tax preparation business for individuals and businesses. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm employs a range of advisory platforms with integrated brokerage and investment services, utilizing asset allocation tools, risk tolerance assessments, and automated rebalancing to manage portfolios across various asset classes.

Jeff Cafiero is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds the ChFC® and Series 66 designations. Prior to his current role, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

James Meindl Jr. is a financial advisor at Cetera with 11 years of industry experience. He holds the Series 66 designation and has worked at BlackRock Investments, LLC from 2014 to 2025 before joining Cetera in 2025. Since 2020, he has also been a wealth management advisor with King Financial Network. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, employer-sponsored retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both discretionary and non-discretionary investment options.

Brian Clark is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and 40 years of industry experience. His prior experience includes roles at Cadaret, Grant & Co., Inc. and Petersen Investments, Inc. Outside of his advisory work, he is involved with Petersen Advisors LLC, an entity related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, retirement plan consulting, and brokerage services.

Ryan Haslett is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Bank of America, Merrill, Winton Capital Management, and Foreside Fund Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

John Dunleavy is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including The Prudential Insurance Company of America, Bank of America, Merrill, Royal Alliance Associates, and Lakota Capital Advisors. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and a range of brokerage and insurance products through its integrated platform.

Michael Sobieski is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 designations. Sobieski has worked at Strategic Advisers, Inc. since 2003 and is also affiliated with Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including managing portfolios through a combination of fundamental research, quantitative analysis, and algorithmic construction. The firm serves a variety of clients, including registered investment companies and charitable funds, and employs systematic methodologies alongside oversight of sub-advisers and share class evaluations.