Jasmine Muhammad is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds the Series 66 designation and has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Merrill, Bank of America Corporation, Morgan Stanley, Crown Plaza, and Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

James Gryta is a financial professional with 12 years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and has worked at several firms including Koyote Capital and Hudson Wealth Management, where he continues his role. Gryta also operates under Hudson Wealth Management as a financial professional. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to model portfolios, third-party managers, and customized strategies.

William Surdovel is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He worked at Merrill from 1995 to 2009 before joining UBS, where he has been since 2009. Outside of his advisory work, he serves as a football official for NCAA games. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and asset allocation models to tailor client plans.

Nicholas DeFilippis is a Financial Consultant currently working at Fidelity Investments since 2018. In this role, he partners with clients to understand their unique goals and investment objectives, aiming to protect assets, generate income, and facilitate wealth growth and transfer for future generations. His approach involves creating disciplined financial plans to help clients feel confident about their financial futures. Prior to his current position, Nicholas accumulated experience as a Financial Advisor at UBS Financial Services from 2014 to 2018 and at Merrill Lynch from 2011 to 2014. He began his career as a Financial Representative at Guardian Life Insurance in 2009.

James Cady is a financial advisor at Raymond James Financial with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at firms including J Alden Associates, Alden Investment Group, 1792 Wealth Advisors, Cantella & Co., and Oppenheimer. In addition to his advisory work, he owns 1792 Wealth Advisors, a DBA support company based in Red Bank, NJ. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting with tools such as risk profiling and probability modeling, and supports clients through various advisory programs and institutional consulting services.

Thomas Lord is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at several firms including Wells Fargo Bank, Fidelity Brokerage Services, and currently maintains an advisory role at Rockdale Financial Services alongside his position at Cetera. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of investment program options, managing over $256 billion in assets and supporting more than 10,000 advisors nationwide.

Jason Fern is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 65 licenses and having 31 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

John Amirante is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 22 years of experience consulting and advising for-profit and nonprofit businesses, their owners, leadership teams, and investment committees. John focuses on proactive advice and customized strategies to address complex needs related to risk management, accumulation and decumulation planning, investment policy, financial wellness and education, risk budgeting, and the role of alternatives and private equity in diversified portfolios. He advises high net-worth individuals, executives, private foundations, and family offices. John holds multiple professional designations including the CERTIFIED FINANCIAL PLANNER (CFP) certification from the Certified Financial Planner Board of Standards, the Certified Investment Management Analyst (CIMA) designation from the Investments & Wealth Institute and the Wharton School of Business, the Chartered Advisor in Philanthropy (CAP) designation from the American College of Financial Services, and the Certified Plan Fiduciary Advisor (CPFA) designation from the National Association of Plan Advisors. He earned a Bachelor’s degree in Pre-Law from the State University of New York at Albany and an MBA from Columbia Business School at Columbia University. Outside of his professional work, John serves as a board member for Eden Autism and volunteers at the Food Bank in South Jersey. He resides in Manalapan, New Jersey with his wife and their two children. His personal interests include baseball, fishing, and reading.

Daniel Gamble is a financial advisor with Morgan Stanley in Avon, New Jersey, holding a Series 66 credential and 19 years of industry experience. He has been with Morgan Stanley since 2016. Outside of his advisory role, Gamble serves as an officer and trustee for local organizations including the Avon Fire Company and Avon First Aid & Rescue Squad. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a range of services including estate planning and broad investment offerings.

Amanda Toner is a Financial Consultant at Fidelity Investments, a position she has held since 2023. In this role, she collaborates with clients to understand their individual financial needs and leverages her industry experience along with Fidelity's resources to develop comprehensive financial plans tailored to their unique goals and objectives. Prior to joining Fidelity, Amanda accumulated over a decade of experience at BlackRock, where she held several roles including Head of US Relationship Management for Multi-Asset Strategies in 2023, Senior Product Strategist for Model Portfolio Solutions from 2016 to 2022, Portfolio Specialist for Private Investors from 2012 to 2016, and Sales Associate in US Wealth Advisory from 2011 to 2012. Outside of her professional work, Amanda's personal interests include spending time at the beach, exploring food, parenthood, and traveling.

Marion Sommer is a CFP®-designated financial advisor with 26 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and also has experience with Metlife Securities Inc. from 2015 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars, focusing on collaborative, goal-based planning without providing investment discretion.

Jennifer Keiling is a financial advisor at Edelman Financial Engines with 12 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at several firms including APW Capital and EisnerAmper Wealth Management & Corporate Benefits. Keiling has been with Financial Engines Advisors L.L.C. and its affiliated entities in various roles since 2016. Edelman Financial Engines provides technology-enabled investment advisory services for workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios, supports a large client base through advisor-led and online offerings, and operates a mix of discretionary and non-discretionary programs.

Sean Keating is a CFP® and ChFC® with 24 years of industry experience. He currently serves as a senior financial advisor at Cetera Wealth Services, LLC and is also involved with Rosso Financial Group. Outside of advising, he teaches financial information at Kaplan Financial Education and holds board fiduciary roles with the Association of US Army and the Jersey Shore Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party and affiliated managers.

Kyle Mc Elligott is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has worked at institutions including Bank of America, Garden State Securities, and Investors Bank. His background also includes roles in education at Rutgers and Brookdale Community College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Mark Pellecchia is a financial advisor with Equitable Advisors in Wall, NJ, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors. Pellecchia serves as a public official on the Board of Fire Commissioners in Allenwood, NJ, and is a part-time wildland firefighter with the New Jersey Forest Fire Service. He also holds board and leadership roles at the Spring Lake Golf Club. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm emphasizes matching clients to advisory program models and third-party asset managers and offers a range of investment options including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Theresa Boulos is a Senior Financial Advisor at Merrill Lynch Wealth Management, leading the Fields Boulos and Associates team. The team offers wealth management services to high-net-worth families, focusing on retirement strategies, wealth management, asset preservation, and legacy planning. They serve affluent families nationwide and consist of a diverse, multigeneration group of wealth management professionals. Theresa holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a bachelor's degree from Saint John's University. Theresa previously served as Chair of the Global Wealth Investment Management Women's Exchange at Merrill Lynch, a network of approximately 7,000 employees focused on business development, mentorship, recruitment, and advocacy. She is dedicated to advancing the careers of female employees within Merrill. Theresa and her family are long-standing members of the Red Bank and Monmouth County community. Her interests include cooking, gardening, spending time with family, and traveling.

Matthew Lane is a financial advisor with RBC Capital Markets in Red Bank, NJ, holding Series 63 and Series 66 licenses and possessing 33 years of industry experience. His prior roles include positions at City National Bank, Morgan Stanley Private Bank, and Morgan Stanley Smith Barney. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to client advisory risk profiles.

Patrick Quinn is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in legacy planning, personal retirement planning, and both individual and corporate investment strategies. Patrick works to create personalized financial strategies aligned with clients' long-term goals using insights from Merrill and banking solutions from Bank of America. He holds multiple professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Patrick earned a Bachelor's Degree from Rutgers Business School and a High School Diploma from the Marine Academy of Science and Technology. In addition to his professional work, Patrick participates in community volunteering consistent with the Merrill tradition. Outside of work, his personal interests include cooking, gardening, tennis, and traveling.

Robert Zwigard is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked with Linsco / Private Ledger Corp. for 26 years. His other business activities include the sale of group medical insurance and life insurance. 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 institutions. The firm offers a range of financial planning and investment options, including model portfolio programs and third-party asset management, supported by a large network of investment adviser representatives.

Kris Frazier is a CFP® with 25 years of industry experience, currently serving at Ameriprise. His prior experience includes roles at Morgan Stanley Private Bank and PRUCO Securities Corporation. He serves as president of the nonprofit organization 4 Changemakers in Atlantic Highlands, NJ. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated companies and employs a research-driven, model-based approach to retirement income planning.