Thomas Musumeci is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 31 years of industry experience. He previously worked at Royal Alliance Associates for 18 years and Investment Advisors Asset Management, LLC for 15 years. In addition to his advisory role, Musumeci is involved with MWM Financial LLC, a DBA related to his LPL business, and holds a non-variable insurance agent role. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advisory services delivered through a large network of investment adviser representatives using a variety of investment strategies.

Donald Witkowski is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Merrill Lynch Pierce Fenner & Smith, among others. He serves as an advisory board member for the University of Delaware. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Kai Chen is a Series 66-credentialed advisor with five years of industry experience, currently working at J.P. Morgan Securities since 2021. His prior work includes positions at Bank of America and roles outside finance such as at HomeGoods and Ikea. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary written asset allocation advice, manager searches, and customized performance reporting supported by centralized due diligence and a forward-looking investment approach.

Beth Meszaros is a financial advisor at Cetera with 17 years of industry experience. She holds a Series 66 designation and has worked with Cetera since 2009. Outside of her advisory role, she owns and creates handmade knits and gifts sold on Etsy and is involved in managing a needlepoint supplies business. 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 diverse investment management and consulting services through a multi-manager platform with access to affiliated and third-party managers.

George Mouded is a financial advisor with Osaic Wealth, holding a Series 66 designation and bringing 22 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation, Hornor, Townsend & Kent, UBS Financial Services, and Merrill. Outside of his advisory work, he operates Economic Planning Group, offering various insurance products including health and life insurance. Osaic Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, through a multi-advisor platform that provides brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, offering a range of investment solutions and maintaining multiple custodial and affiliate program arrangements.

Rodney Robinson is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He has worked at Equitable Advisors since 2004, with prior roles at Axa Advisors, Fidelity, and Merrill. Outside of his advisory career, he is involved as a consultant providing health insurance consulting to public sector groups and owns Good Music Productions, where he works as a sound engineer. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and partners with third-party asset managers and advisory programs.

Cynthia De Laski is a financial advisor at UBS Financial Services with 43 years of industry experience. She has been with UBS since 1992 and holds Series 63 and Series 66 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work using proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Brian Moriarty is a financial advisor at OSAIC with 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Advisors, Bank of America, Merrill, Morgan Stanley, and Oppenheimer + Close. Outside of his advisory role, he is also active as an insurance agent with Evergreen Financial Group, LLC. OSAIC serves a broad range of clients including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, offering both brokerage and advisory services across various financial planning and investment programs.

Timothy O'Brien is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His prior roles include positions at UBS Financial Services and Merrill. He also owns and operates O'Brien Asset Management as a separate business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm provides tailored recommendations supported by proprietary research and planning tools, with planning engagements typically discrete rather than ongoing.

John Marinelli is a CFP® professional with 25 years of experience in the financial services industry. He is currently with Osaic and has previously worked at American Portfolios Financial Services, Invest Financial Corporation, and Citigroup-affiliated firms. In addition to his advisory role, Marinelli is involved in tax preparation through AJC Advisors. Osaic Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm utilizes a model-based investment approach supported by portfolio optimization tools and offers a range of brokerage and advisory services across multiple platforms.

Madhavi Gibbs is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2006 as well as Bank of America, N.A. since 2015. 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.

Dawn Cammarano is a financial advisor at Raymond James Financial with eight years of industry experience. She holds the Series 66 designation and has been with Raymond James Financial Services Advisors Inc. since 2017. Outside of her advisory role, she has worked in support capacities at two businesses since 2009 and 2015, primarily handling administrative tasks. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and organizational clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers several specialized advisory programs, including municipal and retirement plan consulting.

Scott Codacovi is a financial advisor with Ameriprise in Matawan, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Outside of his advisory role, he is involved in independent insurance brokering with multiple companies. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Mario Califano is a financial advisor with Cetera who holds a Series 63 designation and has 29 years of industry experience. He has been with Cetera and its affiliates since 2005 and also owns Califano Financial Services Corp, where he provides accounting and tax services. Califano serves as president and treasurer of multiple holding companies managing investments and acts as executor for a family estate. Cetera Investment Advisers LLC is an SEC-registered firm that offers a range of investment advisory services to individuals, retirement plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform allowing advisors to utilize model portfolios, third-party managers, or bespoke strategies, managing over $256 billion in assets through a network of more than 10,000 advisors.

Kelly Schulz is a financial advisor with Merrill based in Monmouth Beach, NJ, holding Series 63 and Series 66 licenses and possessing 34 years of industry experience. She has been with Merrill since 2012. Outside of her advisory role, she serves on the board of trustees for the Monmouth Beach Bath and Tennis Club, contributing to the upkeep and activities of the private club. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Frederick Turner is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Wells Fargo Clearing and UBS Financial Services. Turner is a co-owner of Turner GP, LLC, a merchant partnership based in Chester, NJ. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and delivers tailored recommendations using proprietary research and planning tools.

Kyle Abbot is a financial advisor at Edward Jones with 14 years of industry experience. He previously worked at Santander Securities, LLC and Merrill. He holds Series 63 and Series 65 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

David Fernandez is a financial advisor at MassMutual Investors Services with 25 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments and Charles Schwab. Outside of his advisory role, he serves as the treasurer of a condominium association and works as an insurance broker specializing in life, fixed annuities, disability, long-term care, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual planning engagements using firm-approved analytical tools and offers specialized event-driven planning services.

John Rocco Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2009 and has been affiliated with Morgan Stanley Private Bank, N.A.T since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and delivers a range of advisory programs without providing individual security recommendations as part of standalone plans.

Peter Thorne is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm‑approved methodologies to develop financial plans.