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, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is associated with MK Financial Group LLC in Millstone Township, New Jersey. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm provides various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Christopher Malloy is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on legacy planning, personal retirement planning, portfolio management services, and individual and corporate investment strategy. His approach involves thoughtful planning, disciplined investing, and advice tailored to clients' goals and priorities. Mr. Malloy began his career in financial services in 1993. In 1996, he joined the New York Stock Exchange where he spent 19 years as a Designated Market Maker, gaining experience through multiple market cycles and economic environments. His subsequent experience in Private Client Banking and Wealth Management has shaped the long-term, value-based investment approach he brings to clients. He works closely with individuals, families, and business owners to develop personalized financial planning strategies addressing retirement, estate and trust planning, and investment goals. He holds a Bachelor's Degree from Arizona State University and the Personal Investment Advisor (PIA) designation. Mr. Malloy is involved with the Eastern Monmouth Area Chamber of Commerce and participates in community activities including JBJ Soul Kitchen. His personal interests include basketball, biking, golfing, hiking, music, running, and skiing.

Anthony Valente is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009, following earlier experience at Citigroup Global Markets starting in 2006. Outside of his advisory practice, he is the sole proprietor of Valente Motorsports LLC, an automotive and transportation business. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides investment services that include wrap programs, private funds, and structured products.

Alan Friedman is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Equitable Advisors since 2003, previously associated with Axa Advisors, LLC. 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 operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Michelle Stokes is a financial advisor at Fidelity with nine years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at Wells Fargo Clearing, JPMorgan Chase Bank, and Santander Bank. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including model portfolios delivered to intermediary platforms.

Joseph Tansey is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and bringing 30 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 1995. Outside of advisory work, he is an owner of Tansey Family Ski Resort, LLC, a legal entity formed for vacation rental property purposes. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors and some corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of approximately 3,700 advisors and $15.5 billion in assets under management.

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.

Brian Morris is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 license and 14 years of industry experience. He has been with Equitable Advisors since 2016, including a concurrent affiliation with Axa Advisors from 2016 to 2020. 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 a variety of third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage services tailored through a client intake process that addresses goals, risk tolerance, and time horizon.

Garth Williams is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and two years of industry experience. He has been with Primerica Financial Services since 2003 and also maintains a long-term role with Verizon Communications. Outside of advising, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based strategies and discretionary separately managed accounts. The firm employs third-party asset managers and provides a tiered wrap-fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plans.

Eric Gottesman is a financial advisor with LPL Financial in Brooklyn, NY, holding a Series 63 designation and 13 years of industry experience. His prior roles include work at National Life Group and Equity Services, Inc., among others. In addition to his advisory work, he is involved with ESM Tax Inc, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services supported by proprietary and third-party research, and serves both discretionary and non-discretionary management clients.

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 Series 66-licensed financial advisor at Merrill with 19 years of industry experience. She has worked at Bank of America and Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Michael Snyder is a financial advisor with Ameriprise in Cranford, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Snyder serves on the Board of Directors for NJ Rise, a nonprofit organization. Ameriprise is a large institutional firm offering retirement-income planning services primarily for individuals with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

Peter Mc Carron is a financial advisor with Raymond James Financial in Stony Point, NY, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. He has been with Raymond James Financial Services, Inc. since 2002 and operates PG&M Consulting, a branch support company. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, providing tailored recommendations supported by extensive research and a broad affiliate network.

Stephen Scafidi is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked with Equitable Advisors since 2016, including its predecessor AXA Advisors. Equitable Advisors serves a diverse range of clients including individuals, high-net-worth clients, retirement plans, corporations, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual registration as an SEC-registered investment adviser and broker-dealer.

Frank Condon is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63 and Series 65 designations 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. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

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.

Dave Hogan is a Financial Consultant currently working at Fidelity. He partners with clients to create personalized financial plans and provides ongoing education to help them make informed decisions about their financial goals. He focuses on understanding his clients' needs to develop customized approaches. He has held several roles in the financial services industry, including Financial Consultant at Fidelity since 2025, Investment Consultant at Fidelity Investments from 2022 to 2025, Financial Consultant at MassMutual from 2021 to 2022, Financial Planner at Northeast Private Client Group from 2020 to 2021, Relationship Banker at Bank of America in 2020, and Financial Consultant at Equitable Advisors from 2019 to 2020.

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.