Frederick Cordisco is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and over 31 years of industry experience. He previously worked at UBS Financial Services for 11 years and has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank since 2023 and 2024, respectively. Outside of his advisory work, he serves as a board member at Grace and Peace Church and volunteers counseling men in recovery at America’s Keswick Colony of Mercy. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, emphasizing structured financial planning supported by firm-approved tools and methodologies.

Michael Schiller is a financial advisor with Equitable Advisors, holding the Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Equitable Advisors since 2001, following a prior tenure at Axa Advisors, LLC. Outside of his advisory role, Schiller manages an inventory business and operates a property and casualty insurance agency. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and various third-party and proprietary advisory programs.

Joseph Cannova is a CFP® and PFS™ with 31 years of industry experience. He has worked extensively with Avantax Advisory Services and related entities for 30 years before joining Cetera in 2025. He is also a CPA and operates his own financial planning and accounting practice, providing tax preparation services for individuals and small businesses. 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 various portfolio management and financial planning services through a nationwide network of independent advisors and employs a multi-manager platform with access to affiliated and third-party investment solutions.

Thomas Defino is a Certified Financial Planner (CFP®) with 41 years of industry experience. He has been with Morgan Stanley since 2009, currently serving in the Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he conducts 90-minute football training sessions and camps for youth through Toms River Football Club and Celtic Elite LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery processes and firm-approved planning tools.

Thomas Williams is a financial advisor with Equitable Advisors, holding a Series 66 designation and 11 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked with Axa Advisors for five years. Outside of his advisory role, he is involved as a laborer in a small aesthetics business. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients with financial planning, retirement consulting, and asset management services. The firm utilizes a variety of advisory programs and third-party asset managers to deliver tailored investment solutions.

Carmela Michaels is a financial advisor at LPL Financial with 39 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Santander Bank, NA and Santander Securities, LLC prior to joining LPL Financial. Outside of her advisory role, she is associated with Elite Wealth Management and acts in a fiduciary capacity through an entity named Maria Claudio. 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 advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Hirsh Zyskind is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2022, following nine years at Bank of America and Merrill. Outside of his advisory role, he is involved in real estate property management and ownership in New Jersey. 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 including tailored financial planning supported by structured discovery and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

Fred Peters is a Senior Financial Advisor with Merrill Lynch Wealth Management. He applies Merrill’s Goals-Based Wealth Management process to help clients pursue meaningful financial objectives by prioritizing clear decision-making and transparency. Fred serves a diverse clientele including business owners, entrepreneurs, retirees, senior citizens, and families with special needs members, developing tailored strategies for short- and long-term financial goals. With over sixteen years of management experience prior to joining Merrill Lynch in 2016, Fred leverages his expertise to address complex financial challenges such as special needs planning, retirement income, philanthropic planning, and personal retirement planning. He holds a Bachelor’s Degree from Richard Stockton College of New Jersey and is pursuing an MBA at Georgian Court University. Fred’s professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fred is active in his community, serving on boards for the Brick Township Chamber of Commerce, Greater Toms River Chamber of Commerce, and Ocean County Family Service Organization, as well as participating with the Brick Township Morning Rotary Club. Outside of work, he enjoys chess, football, music, racquetball, running marathons, spending time with his family, and watching movies. As a military parent, he supports armed forces deployments with personal dedication.

Louis Gallipoli II is a financial advisor at Cetera with 26 years of industry experience. He holds a Series 65 credential and has a background that includes ownership and management of a tax preparation and accounting firm, Gallipoli & Gallipoli, PC, as well as involvement in various business activities. He also serves as treasurer for a local soccer club, Jersey Shore United FC, providing organizational advice during its startup phase. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options, incorporating both affiliated and third-party managers, and manages over $256 billion in assets through a network of more than 10,000 advisors.

Michael Barbieri is a financial advisor with Primerica Advisors in Brick, NJ, holding Series 63 and Series 65 registrations. He has 30 years of industry experience, all with Primerica Advisors and Primerica Financial Services since 1996. Outside of advisory services, he is involved in selling home security and automation products and loan products through affiliates of Primerica. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies and manages approximately $15.5 billion in assets through a network of nearly 3,700 advisors and over 1,800 offices.

Mark Likes is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 43 years of industry experience. His prior experience includes roles at Sagepoint Financial, Inc. and Cadaret, Grant & Co., Inc. Outside of advising, he is involved in tax preparation and accounting, holds a notary commission in New Jersey, and has interests in mortgage and real estate services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and advisory services through a large network of advisors and utilizes various investment models and technology tools to support client portfolios.

Alexander Joice is a financial advisor at Equitable Advisors with 25 years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 2001. Outside of his advisory role, he is an associate at Titan Agency LLC, involved in the sale of auto and homeowner's insurance. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm emphasizes matching clients to program models or discretionary managers, utilizing third-party TAMPs and LPL-sponsored advisory programs, while offering a range of investment options including mutual funds, ETFs, and select alternative investments.

Anthony Girgis is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 2007. Outside of his advisory work, he volunteers as a substitute lunch aid at Westminster Nursery School and serves as co-trustee of family trusts. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm uses a variety of advisory models and third-party asset managers, providing services that include ERISA fiduciary offerings and a range of investment products without relying on proprietary wrap fee programs.

Jonathan Panigel is a Financial Advisor with Merrill Lynch Wealth Management, specializing in managing new wealth, personal retirement planning, and portfolio management services. He has a longstanding passion for investing and wealth planning that dates back to high school and is dedicated to helping clients achieve their financial goals. Jonathan holds the Personal Investment Advisor (PIA) designation and has completed an Accredited Certificate Program from Yeshiva Mayen Hatalmud. Since joining Merrill Lynch, he has developed close relationships with his clients, focusing on guiding them to live their best possible financial lives. Outside of his professional work, Jonathan enjoys a variety of personal interests including baseball, basketball, football, ice hockey, music, running, softball, traveling, and spending time with his family.

Christopher Carbone is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Merrill since 2014 and at 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Luppo is a financial advisor at Fidelity with four years of industry experience and holds a Series 66 credential. His prior roles include positions at Bank of America Merrill Lynch, Gilder Gagnon Howe & Co LLC, and BLV Securities. Outside of financial advising, he has worked as a casino host for Caesars Entertainment. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage multi-manager and fund-of-funds strategies, and serves as an advisor to multiple registered investment companies.

Thomas Martin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 24 years of industry experience. His prior roles include positions at M&T Securities, Cetera, New England Securities, and PRUCO Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Perry Lee is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Outside of his advisory role, he serves as a trustee for the Lee Family Trust. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides financial planning and advisory programs to both individual and institutional clients. The firm uses structured discovery processes and advanced modeling tools in its planning services and manages approximately $2.74 trillion in client assets.

James Koerner is a CFP® professional with 14 years of industry experience, currently serving at Cetera. He has prior experience at Avantax Advisory Services and 1st Global Advisors, and has operated a tax preparation and accounting practice since 1992. Koerner is also involved in Koerner Wealthcare, LLC, which provides financial planning and asset management services. Cetera Investment Advisers LLC is an SEC-registered firm offering a broad range of portfolio management and financial planning services through a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm provides access to multiple program structures and third-party money managers, managing assets exceeding $250 billion.

Yisroel Scharfer is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. He has worked at LPL Financial since 2019 and previously held roles at UnbeatableSale.com and Israel Bookshop Publications. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting advisors with a range of investment strategies and operational tools.