Mark Cremonni is a financial advisor with Merrill in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. He has worked at Merrill since 1980 and Bank of America since 2011. Outside of his advisory role, Cremonni serves as a committee member for St. John's Feed the Hungry Soup Kitchen, supporting efforts to feed the homeless and poor residents of Newark. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a broad range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Jason Mancini is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2014. In his role, he focuses on delivering wealth management strategies tailored to help clients pursue their financial goals through a personalized process. This approach begins with understanding clients’ priorities, followed by developing and executing customized savings and investment plans, with ongoing oversight and adjustments as needed. Jason’s professional background includes experience as a portfolio analyst and trader at a boutique investment firm in New York City. He holds a Bachelor's and a Master's Degree in Economics from Kent State University. His expertise encompasses a comprehensive four-pillar system involving assets, debt, trusts and estates, and banking solutions through Bank of America, N.A. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Residing in Westfield, New Jersey, Jason lives with his wife Amanda, their son Giuseppe, and their dog Pongo. Outside of his professional life, he enjoys running, hiking, reading, playing chess, and CrossFit. Jason maintains involvement in his community through participation with organizations such as Knights of Columbus and The Father's Heart Ministries.

Gregory Bertagna is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 35 years of industry experience. His career includes 29 years at Bertagna & Associates and five years at Voya Financial Advisors prior to joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and third-party subadvisor strategies, supporting both discretionary and non-discretionary management.

Gregory Spicer is a financial advisor at LPL Financial with 44 years of industry experience. He holds the CFP® and Series 63 designations and has worked at LPL Financial since 2018, following a 26-year tenure at Cadaret, Grant & Co., Inc. Outside of his advisory work, he is the owner of Coordinated Insurance Agency, Inc., an insurance agency. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by research and model portfolios.

Sam Gladson is a financial advisor with Equitable Advisors, holding Series 65 and Series 63 licenses and three years of industry experience. He has held diverse roles across education, real estate, and landscaping, including work at Jim Gladson Landscaping, Inc., a business he has been involved with for six years. Equitable Advisors serves a broad client base 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-registered SEC investment adviser and broker-dealer structure.

Matthew Corby is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, he worked at Amboy Bank and Ramapo College of New Jersey, and was involved with Ship Ahoy Beach Club. 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 employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to deliver tailored financial solutions.

Richard Wager is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and 11 years of industry experience. His career includes roles at Wells Fargo Clearing, WELLS FARGO Advisors, LLC, and Wells Fargo Bank NA prior to joining Merrill in 2020. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based, discretionary, and tax-aware investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Francis Hackett is a financial advisor at LPL Financial with 13 years of industry experience. He holds Series 65 and Series 63 designations and previously worked for Lincoln Financial Advisors from 2016 to 2024. Outside of his advisory role, he is involved in tax preparation and accounting services and works part-time as a delivery driver. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services, including discretionary and non-discretionary management supported by research and model portfolios.

Mark Lauricella is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Bloomberg LP for four years before joining Morgan Stanley in 2018. Lauricella is currently based in Red Bank, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that uses firm-approved tools and modeling techniques.

Christopher Maiurro is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His prior roles include positions at Bank of America, Merrill, and Atlas Insight LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Altschuler is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory work, he serves as a caregiver to his daughter through his involvement with Caring With Compassion in Red Bank, NJ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services that include retirement, education, and special-needs analysis, using Wells Fargo research and planning tools to develop tailored recommendations for clients.

Aksel Yavalar is a financial advisor at Morgan Stanley with 17 years of industry experience and holds Series 63 and Series 66 licenses. He has worked at Morgan Stanley since 2016 with intervals at Raymond James & Associates and Locust Wood Capital Advisers. Outside of his advisory role, he is the general partner and owner of 1623 Park Avenue LLC, overseeing investments in a multi-family apartment building, and is also an owner of Keauty LLC, a business managed independently by his wife. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides both direct client service and corporate financial planning agreements.

Robert Rafano is a CFP® professional with 24 years of industry experience. He has worked at OSAIC since 2020 and spent 15 years at Ameriprise Financial Services, Inc. Prior to his advisory role, he has served as a board member at large for the Monmouth Council Boy Scouts of America, where he participates in community fundraising and support activities. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and managed-account solutions.

Nicholas Schwed is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America and teaching positions at Rutgers University and Raritan Valley Community College. He has also been involved with community organizations such as the Somerset Hills YMCA. 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, pension plans, charitable organizations, and corporate fiduciaries.

John Lupi Jr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior experience includes roles at Ameriprise Financial Services, Inc. and Stifel Independent Advisors, LLC. Outside of his advisory work, he serves as Managing Director of Client First Financial, LLC. Equitable Advisors serves a range of clients including individuals, high-net-worth families, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating through multiple program sponsors and emphasizing both discretionary and non-discretionary management solutions.

Craig Hyldahl is a financial advisor with Equitable Advisors in Edison, NJ, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Equitable Advisors since 1999, previously associated with Axa Advisors. Outside of his advisory role, he serves as a Certified Divorce Financial Analyst, providing financial analysis and planning support to divorcing clients, and participates in a collaborative law group’s marketing committee. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and asset management through various third-party programs. The firm employs a hybrid referral and implementation model, utilizing external asset managers and allowing certain advisors discretionary portfolio management under approved arrangements.

Vincent Passariello is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Waddell & Reed, Inc. for 23 years and at Avantax Advisory Services for six years. In addition to his advisory roles, he owns and operates a tax preparation service. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports various program structures and investment strategies.

Victor Roccki is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following a prior tenure at Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Nicole Mcgrouther is a financial advisor with Raymond James Financial Services Advisors, Inc. in Red Bank, NJ, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Her prior experience includes 22 years at Wells Fargo Advisors and two years at Frances Dipalma IRA. She is also the owner of a support company DBA for payroll purposes. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, and institutional entities. The firm focuses on non-discretionary financial planning and investment consulting, providing tailored recommendations supported by firm research and a broad affiliate network.

Jonathan Pierro is a financial advisor with LPL Enterprise, holding a Series 66 designation and beginning his advisory career in 2025. Before joining LPL Enterprise, he worked at Deloitte LLP and other firms, and also has experience in education and various business roles. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products via an integrated platform.