Michelle Miranda is a Financial Advisor with Merrill Lynch Wealth Management. She works with clients to develop personalized wealth management strategies that align with their financial goals and adapt to changing market conditions. Michelle leverages the combined resources of Merrill and Bank of America to provide clients with investment insights, banking convenience, and lending solutions. Her approach integrates long-term wealth strategy, disciplined investment management, risk mitigation, and tax-efficient planning. Michelle assists clients in building, protecting, and sustaining wealth, navigating financial considerations such as divorce, and supporting business owners with strategic planning for growth and financial independence. She is committed to simplifying financial complexity and helping clients navigate life transitions with clarity and confidence. Michelle holds a Bachelor's Degree from Rutgers and has earned the Personal Investment Advisor (PIA) designation. Outside of her professional role, she enjoys activities such as biking, bowling, camping, dancing, gardening, golfing, hiking, pickleball, traveling, and yoga.

Tino Salaris is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 designations and 11 years of industry experience. His career includes roles at Merrill, Bank of America, TD Ameritrade, and Schwab firms. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary client relationships with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Joseph Mandile is a financial advisor at Ameriprise with 38 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to his current role, he worked at Ameriprise Financial Services, Inc. for 31 years. Outside of advising, he is involved in a business ownership role related to office lease and management. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm delivers non-discretionary, research-driven recommendations that integrate tax-efficient withdrawal strategies and Social Security options, supported by algorithmic tools and oversight committees.

Frank Gargano is a financial advisor with Cetera, holding the ChFC® designation as well as Series 63 and Series 65 licenses, and has 34 years of industry experience. He has been affiliated with Cetera and Cetera Wealth Services, LLC since 2013. Outside of his advisory role, he is an insurance agent offering fixed life, health, disability, annuities, and long-term care products, and he is involved in life settlements through Welcome Funds, Inc. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with over 10,000 advisors nationwide.

Robert Jaffe is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has been affiliated with Royal Alliance since 2011. Jaffe is also involved in fixed insurance sales through two LLCs in New Jersey and California. OSAIC serves a diverse range of retail and institutional clients, providing integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs advanced asset-allocation tools and offers a variety of portfolio management options, including access to third‑party money managers and unified managed accounts.

John Ulrich is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm focuses on tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and analytics.

Michael Emerson is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 29 years of industry experience. He has worked as an independent sales agent since 1999 and has been with LPL Financial since 2013. His other business activities include serving as a non-variable insurance agent with a focus on long-term care. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Douglas Niosi is a financial advisor at OSAIC with 25 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Royal Alliance Associates, Inc. and John Hancock Financial Services, Inc. Outside of his advisory role, he officiates youth travel soccer games as a referee. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment options and utilizes firm-supported tools such as asset-allocation models and automated rebalancing to construct portfolios.

Maureen Mcgreevy is a financial advisor with LPL Financial in Freehold, NJ, holding Series 63 and Series 65 licenses and eight years of industry experience. Her prior roles include positions at CUNA Mutual Group, CUNA Brokerage Services, Inc., and United Teltech Financial Federal Credit Union. She is also involved with the Ridgedale Wealth Team, an affiliated LPL business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs supported by research and model portfolios, combining discretionary and non-discretionary management approaches.

Peter Piccinini is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Stifel for 10 years before joining LPL Financial in 2017. 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, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Charles Tepper is a financial advisor at RBC Capital Markets with 28 years of industry experience. He has held his current position since 2011 and holds Series 63 and Series 65 licenses. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, employing a mix of in-house and third-party investment managers tailored to each client’s risk profile.

Rich Peckio is currently a Planning Consultant at Fidelity Investments. In this role, he focuses on helping clients work towards their financial goals by preparing personalized financial plans. He emphasizes building relationships with clients to understand their unique situations and co-creating a roadmap tailored to their needs. Rich has been with Fidelity Investments since 2022, holding positions such as Financial Representative and Relationship Manager prior to his current role. His experience encompasses various aspects of financial planning and client relationship management within the firm. He is licensed by the state of California to provide insurance services. Outside of his professional responsibilities, Rich has interests that include fitness, football, hiking, music, parenthood, and traveling.

Geoffrey Dietzel is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at Brunswick Financial Group LLC since 2003 and was affiliated with Pruco Securities, LLC. for over two decades. Dietzel is also a director and owner of Brunswick Financial Group, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers comprehensive financial planning, access to model portfolio programs, and third-party asset management, operating an integrated platform that includes insurance products and collateralized lending services.

Ian Ruderman is a financial advisor at MassMutual Investors Services with 38 years of industry experience. He holds Series 63 and Series 65 designations and has worked at MassMutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. Outside of finance, he is involved in the spirits industry as a partner in the Freehold Distilling Company and owns Whisky Guild, a company focused on whisky events and reviews. Ruderman also serves as president of a college alumni board. 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 provides financial planning, asset management, and educational seminars, emphasizing collaborative annual relationships and utilizing firm-approved analytical tools for goal-based recommendations.

Michael Iervoline is a financial advisor with J.P. Morgan Securities in Fair Haven, NJ, holding Series 63 and Series 66 licenses and having 29 years of industry experience. He has worked at Merrill and Merrill Edge/Bank of America from 2016 to 2019 before joining JPMorgan Chase Bank, N.A. and J.P. Morgan Securities in 2019. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Richard Hausler is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at UBS Financial Services Inc for 11 years before joining Wells Fargo Clearing in 2021. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

William Gambardella is a CFA® charterholder with 23 years of industry experience. He has been with Morgan Stanley since 2016 and currently works at Morgan Stanley Private Bank, N.A. in Red Bank, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning services. The firm employs a structured financial planning process and manages approximately $2.74 trillion in client assets.

Sean Roche is a financial advisor with LPL Financial in Eatontown, NJ, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. His prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, Fulton Bank, and Santander Bank. Roche also has involvement in insurance sales and operates business entities for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, supporting both discretionary and non-discretionary management across its investment solutions.

Haley Cortese is a Financial Advisor at Merrill Lynch Wealth Management who provides clients with personalized financial planning and strategy development. With professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA), she works to empower individuals, families, and business owners to navigate life's financial decisions with confidence. Haley focuses on a range of client needs such as education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, tax minimization, and retirement income. Drawing from her background and approach as a financial coach, she collaborates with clients to create tailored, comprehensive financial roadmaps guided by transparency and integrity. She holds a Bachelor's Degree from the University of Rhode Island. Outside of her professional career, Haley enjoys fishing, photography, pickleball, soccer, spending time with her family, and watching movies.

Sarah Ratty is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 licenses. She has six years of industry experience and has been with Morgan Stanley and its Private Bank division since 2017. Prior to her advisory role, she worked at Middlesex County College from 2014 to 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.