Robert Milligan Jr. is a CFP® professional with 28 years of industry experience, currently serving at Raymond James Financial. His prior roles include positions at Morgan Stanley and Concurrent Advisors. Outside of his advisory work, he owns Milligan Auction Company and acts as an auctioneer for nonprofit benefits. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using risk profiling and modeling tools and supports a broad advisor network with specialized municipal and retirement plan consulting services.

John Russo is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 33 years of industry experience. His career includes roles at Santander Securities, Santander Bank, PNC Wealth Management, and HSBC Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Richard Scialabba is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. He has worked at Wells Fargo since 2016 and was previously with Merrill from 2004 to 2005. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, operating a large network of over 14,000 financial advisors.

Joseph Kay is a financial advisor with RBC Capital Markets in Florham Park, NJ. He holds Series 63 and Series 66 designations and has 29 years of industry experience. His work history includes roles at City National Bank and RBC Capital Markets LLC, where he has been employed since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, tailoring investment strategies to each client’s risk profile using both in-house and third-party managers.

Ethan Hundley is a Series 63 registered advisor with 28 years of industry experience, currently affiliated with OSAIC since 2024. He previously worked at Ic Advisory Services Inc and The Investment Center Inc, and has operated his own firms, Hundley Advisors LLC and Hundley Burn LLC, which provide tax planning and business accounting services. Hundley is involved in nonprofit activities as treasurer of the New Jersey chapter of the National Association of Tax Professionals and serves as president of the Small Business Wellness Foundation, a nonprofit supporting small business education and resources. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by tools such as risk-tolerance questionnaires and rebalancing, with a platform notable for its scale, complex affiliate network, and private-equity ownership.

Lisa Vizzone is a financial advisor at Morgan Stanley in Morristown, NJ, holding a Series 66 designation with eight years of industry experience. She has been with Morgan Stanley since 2009. 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 focused on tailored financial planning supported by the Global Investment Committee’s research and firm‑approved tools.

Richard Osuji is a financial advisor at Raymond James Financial with 10 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing Services LLC and Morgan Stanley. Outside of his advisory role, he is involved with 1792 Wealth Advisors, a non-investment business based in Morristown, NJ. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and is notable for its municipal advisory affiliation and tailored SIMPLE IRA Employer Advisory program.

Antonina Hodges is a financial advisor with Morgan Stanley in Morristown, NJ, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 a structured planning process supported by proprietary tools and research.

Robert Green is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, using proprietary research and tools to develop tailored recommendations delivered through meetings and written client summaries.

Daniel Epps is a financial advisor with Wells Fargo Clearing in Short Hills, NJ, holding Series 63 and Series 66 designations and eight years of industry experience. He has worked at Wells Fargo Bank and Wells Fargo Clearing Services since 2012. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, incorporating a broader range of financial products including insurance-related vehicles and bank deposit sweep options.

Thomas Regan is a financial advisor at Morgan Stanley with 49 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, currently working in Morristown, NJ. Outside of his advisory role, he owns a rental property in Beach Haven, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and proprietary investment modeling.

Ting Yeung is a financial advisor at Equitable Advisors with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Equitable Advisors since 2016, including a prior affiliation with AXA Advisors LLC. 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 various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Laura Agard is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at J.P. Morgan Securities and Prudential Insurance Company of America. Outside of her advisory role, she is president of The Black Steep LLC, a tea and beverage company. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment management grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Anthony Rispoli is a financial advisor with Cetera who holds a Series 66 designation and has 10 years of industry experience. He previously worked at Avantax Investment Services, Inc. and Avantax Advisory Services, among other firms. Outside of his advisory role, he is involved with Nisivoccia LLP and is the owner of Wealthspring Financial Partners LLC, a vehicle for acquiring financial services and tax practices. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

John Maita II is a financial advisor with Ameriprise Financial Services, holding a Series 63 designation and 39 years of industry experience. His prior roles include positions at UBS Financial Services and Morgan Stanley. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, noted for its Premier Retirement Income service that provides tailored retirement-income planning and ongoing advice. The firm’s approach includes a detailed Recommendation Report utilizing proprietary research and third-party data, with recommendations implemented on a non-discretionary basis.

Frederick Walter III is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1985 and provides education and guidance in asset management, tax reporting, estate planning, and other wealth management activities. His approach is guided by the lives, families, and priorities of his clients. Fred focuses on offering a comprehensive approach to managing wealth, beginning with understanding each client's financial situation and what matters most to them. His expertise includes family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He works with clients to develop flexible, personalized financial strategies that adapt to changing goals and market conditions, leveraging the investment insights of Merrill and the banking convenience of Bank of America. Fred holds a Bachelor's Degree from Williams College and holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He was born and raised in Parsippany, New Jersey. Outside of work, he enjoys biking, golfing, running, skiing, and spending time with his family, often reflecting on financial matters during these activities.

Juliet Parsons Betzel is a Senior Financial Advisor with Merrill Lynch Wealth Management. In her role, she focuses on connecting clients to the appropriate people, plans, and processes tailored to their unique financial goals. Her approach integrates personal perspectives and priorities to assist clients in pursuing objectives such as funding education, planning for retirement and potential healthcare costs, and establishing long-term family financial plans. Juliet holds multiple professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her Bachelor's Degree from St. Francis University. Through her work, Juliet emphasizes simplicity and transparency in wealth planning to help clients navigate the complexities of investing.

Michael Smith is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and has previously worked with firms including Avantax and Northwestern Mutual. He also serves as a Wealth Management Assistant at Nisivoccia Wealth Advisors, where he supports client service and account-related activities. Cetera Investment Advisers LLC is an SEC-registered firm that services individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, featuring multi-manager investment platforms with diverse program options and custodial arrangements.

Paula Kirejevas is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with RBC Capital Markets since 2014. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individuals, institutions, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing a mix of in-house and third-party investment managers tailored to each client’s risk profile.

David Hollenberg is a financial advisor with RBC Capital Markets in Florham Park, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior work includes roles at Merrill, Bank of America, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs with customizable portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.