Daniel Karstadt is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He previously worked at UBS Financial Services and held roles at various firms including McQueen Kalligan Insurance Services and Northwestern Mutual. Karstadt has been with Morgan Stanley since 2025. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized groups such as its Estate Planning Strategies Group.

Roger Curylo is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Fidelity Investments, and National Financial Services LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a financial planning process that uses structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Meghan Phillips is a financial advisor at OSAIC with four years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Royal Alliance since 2021. Outside of finance, she owns and operates two childcare businesses, Kidematics LLC and Young Hearts LLC, which provide programs for school-aged children and childcare services for infants and young children. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing firm-provided tools and third-party solutions to construct diversified portfolios managed on both discretionary and non-discretionary bases.

Alex Wenthe is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017, following prior roles at Wells Fargo Advisors and Wells Fargo Clearing. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Ryan Desarno is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has been with Wells Fargo in various capacities since 2016 and spent a year at Equitable Advisors prior to that. 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 offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party analytics.

Dorothea Zando is a financial advisor with LPL Financial, holding Series 63, Series 65, and Series 66 licenses, and has 34 years of industry experience. Her prior firms include Regal Securities, Royal Alliance Associates, and AXA Advisors. Outside of advising, she is a notary public. 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 financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across discretionary and non-discretionary accounts.

Janet Peterson is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 designations and possessing 24 years of industry experience. Her career includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2018, as well as prior experience at Oppenheimer and E*TRADE entities. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary recommendations and access to discretionary separately managed accounts.

Taylor Felline is a Series 66-credentialed financial advisor with eight years of industry experience, currently with Morgan Stanley in Red Bank, NJ since 2021. Prior to Morgan Stanley, he worked at Glen Eagle Wealth, LLC and spent two years at The College of New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies.

Tina Cilurso is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She previously worked at Wells Fargo Advisors LLC for 12 years before joining Raymond James in 2026. Cilurso serves as an advisory board member for Women at Risk International, where she attends meetings to review financial statements. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting through various advisory programs.

William Molloy is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 credentials and has 36 years of industry experience. He previously worked at Bank of America and Merrill Lynch Pierce, Fenner & Smith, Inc. from 2010 to 2021 before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2021. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering financial planning and estate planning strategies supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment programs.

Mark Aumack is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has previously worked at Avantax Advisory Services and Avantax Investment Services Inc. His career also includes 30 years operating as a CPA through Mark R. Aumack, CPA. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services and operates a multi-manager platform with more than $256 billion in assets under management across over 10,000 advisors.

Chayce Ford is a financial advisor at Morgan Stanley with a Series 66 designation and approximately one year of industry experience. Prior to joining Morgan Stanley, he worked at Athletes' Alley for seven years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies such as Monte Carlo simulations and Global Investment Committee return estimates.

Ashok Rajan is a financial advisor with LPL Enterprise in Holmdel, NJ, holding Series 63 and Series 66 licenses and having 36 years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, Janney Montgomery Scott, Merrill, and PGIM Investments. Outside of his advisory work, he writes lifestyle articles about wine, covering topics such as wine regions and etiquette. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and charitable entities through a large network of investment adviser representatives. The firm’s investment approach is model-driven, utilizing portfolios developed by internal research and third-party strategists, with additional services including financial planning, access to third-party asset managers, and insurance product facilitation.

Michael Sumi is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 34 years of industry experience. His prior roles include positions at Mass Mutual Life Insurance Company, MSI Financial Services, Inc., and MetLife Investment Fund Services LLC. He also operates as an independent insurance agent selling disability, fixed annuities, property and casualty, and Medicare-related products. MassMutual 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 programs, structuring planning engagements as annual collaborative relationships using firm-approved software to analyze client goals.

Thomas La Marca is a financial advisor at Equitable Advisors with two years of industry experience. He holds the Series 63 and Series 66 designations and has previously been affiliated with Equitable Advisors, Florida State University, and other organizations. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and a variety of asset management programs. The firm utilizes a range of investment models and third-party asset managers, offering services through a network of Investment Adviser Representatives.

William Bello is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney since 2011 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning that incorporates firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Meghan O’Neill is a financial advisor with Morgan Stanley Wealth Management in Shrewsbury, NJ, holding the ChFC® designation along with Series 63, 65, and 66 licenses. She has 25 years of industry experience, including 12 years at J.P. Morgan Securities and J.P. Morgan Chase Bank, and prior roles at Citigroup Global Markets and TD Ameritrade. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Christopher Kinzler is a financial advisor at Mass Mutual Investors Services with five years of industry experience. He holds the Series 66 designation and has worked at MML Investors Services, MassMutual Life Insurance Company, Dow Jones, and the U.S. Soccer Federation. Mass Mutual Investors Services 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, employing tools like Monte Carlo simulations to deliver detailed client recommendations.

Joseph Burgard is a financial advisor with LPL Financial in Colts Neck, NJ, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at Wells Fargo Advisors, Santander Bank and Securities, and Hornor Townsend & Kent Inc. Outside of his advisory work, he is also a commissioned notary. 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 a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Albert Rich is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 25 years of industry experience. His prior work includes positions at Kearny Bank, INVEST Financial Corp., Investors Bank, LPL Financial, and IFMG Securities, Inc. He is based in Long Branch, NJ. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that supports discretionary and non-discretionary portfolio management with a range of investment program options and model strategies.