Jennifer Engelhardt is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 66 credentials and 21 years of industry experience. She has been with Wells Fargo Advisors and its affiliated entities since 2011. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services that include cash-flow, retirement, education, risk, and wealth-transfer planning, along with specialized services such as business-owner transition and special-needs analysis. The firm uses its own research and planning tools to develop tailored recommendations, which clients may implement through various brokerage or advisory programs.

Daniel Knipe is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2015, following prior roles at Barclays Capital Inc. and Lehman Brothers. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual 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 structured planning tools and market outcome modeling in its financial planning process.

Ronnie Guidone is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. He has been working in the financial services industry since 2004, providing clients with comprehensive wealth management strategies tailored to their individual needs. Ronnie emphasizes a client-centered approach, focusing on listening and facilitating informed decision-making to help clients achieve their financial and legacy goals. With over 15 years of experience, Ronnie specializes in areas including family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ronnie earned a Bachelor's Degree from Monmouth University and is a member of the American Football Coaches Association. Residing in Millstone Township, NJ, Ronnie lives with his wife, Lisa, and son, Giovanni. Outside of work, he enjoys baseball, boxing, football, and yoga. His professional philosophy centers on understanding clients’ values and goals through personalized communication to deliver tailored financial strategies.

Jeffrey Ternyila is a financial advisor with Merrill, holding a Series 66 designation and 20 years of industry experience. He has been with Bank of America and Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates its investment services within Bank of America’s broader platform, providing access to a wide array of products and services.

Louis Obsuth is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has been with Fidelity since 2010, progressing through roles including Financial Consultant, Investment Representative, and Financial Representative. Louis focuses on developing financial plans that aim to benefit his clients and their families both now and in the future. Throughout his career at Fidelity, Louis has built strong relationships with his clients and is committed to partnering with them to achieve their financial goals. His professional experience is centered on financial consulting and investment representation. Outside of his professional work, Louis has personal interests that include beach activities, family activities, parenthood, soccer, and volunteering.

Cesare Cagnina is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2005 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he holds an outside health insurance appointment with Emerson Rogers. 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 managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored through a client intake process.

Harry Padden IV is a financial advisor at UBS Financial Services with the Series 66 designation and less than one year of industry experience. His prior roles include work at Appenzeller Training Systems and teaching positions at Monmouth University and AP Schalick High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Danielle Libraty is a financial advisor at UBS Financial Services with three years of industry experience. She holds a Series 66 designation and previously worked at Medical Billing Associates before joining UBS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment plans to clients’ goals and risk tolerances.

Peter Getschmann is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA, since 2007. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

Matthew Goldberg is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and four years of industry experience. His work history includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as experience with pest control companies and employment at the College of Staten Island and Starbucks Coffee Company. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment recommendations.

Arthur Paulin is a financial advisor with Merrill, holding a Series 66 designation and bringing 21 years of industry experience. He has been with Merrill since 2004. 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.

Erin Zawisza is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Prior to joining Wells Fargo in 2022, she worked for Bank of America/Merrill Lynch for 11 years. She serves as treasurer for the Crimson Knights Foundation and is a board member of the Killington Grand Hotel Home Owners Association. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s investment approach is IPS-driven and incorporates a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Michele Hirsch is a Planning Consultant at Fidelity Investments, where she works with clients and their families to develop customized financial plans that address their unique needs, goals, and objectives. She joined Fidelity Investments in 2021 and has held several roles including Senior Representative, Relationship Manager, and currently Planning Consultant. Prior to joining Fidelity Investments, Michele held positions at Credit Suisse as Director and Vice President in Private Banking from 2000 to 2016. Earlier in her career, she was an Assistant Vice President in the Investment Services Group at Donaldson, Lufkin & Jenrette from 1993 to 2000. Her experience spans private banking, investment services, and client relationship management, providing a foundation for her current role in financial planning.

Faissal Yousef is a financial advisor with UBS Financial Services in Red Bank, NJ, holding a Series 66 license and 20 years of industry experience. He previously worked at Merrill Lynch for 10 years before joining UBS in 2017. Outside of his advisory role, he is the proprietor of several real estate ownership entities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor investment strategies.

Jason Thieme is the Vice President and Branch Leader at Fidelity Investments, a role he has held since 2026. Prior to this position, he served as a Branch Leader at Fidelity Investments from 2022 to 2026. In his leadership capacity, Jason is committed to helping associates maximize their potential by following a structured framework for success. Outside of his professional responsibilities, he has interests that include the beach, cars, fitness, pets, reading, and volunteering.

Nicholas Condit is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to design financial strategies that emphasize durability and adaptability over time. His approach focuses on helping clients understand the interaction between investments, cash flow, and risk exposure, aiming to support sound decision-making as market conditions and life circumstances change. Nicholas's expertise includes college education planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, special needs planning strategies, women and wealth, and sports & entertainment. He provides ongoing guidance and disciplined review to help clients stay aligned with their long-term goals and navigate periods of stress with confidence. He holds a Bachelor's Degree from Syracuse University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, Nicholas is involved with the Leukemia and Lymphoma Society and has personal interests in football, golfing, music, reading, skiing, spending time with family, swimming, traveling, and watching movies.

Adam Shilkoski is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds the Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2018. His prior experience includes positions at Foresters Financial Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework when recommending investment strategies.

Bruce Perhach is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Royal Alliance Associates and Investment Advisors Asset Management, LLC. He is also involved with Perhach Associates Wealth Management, a business related to his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, research, and technology-driven strategies.

David Sasso is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as president of the Wall Knights Family Foundation, a nonprofit focused on children, youth, and sports. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations as part of its financial planning process.

Nicole Picone is a financial advisor at Cetera with 19 years of industry experience. She holds the PFS™ designation and Series 63 license. In addition to her advisory role, Picone is a partner at MPF Professionals P.C., where she oversees tax and accounting services. She is also involved as a registered representative with Maniscalco Wealth Management, Ltd. and Posterity Family Wealth Management Ltd. Cetera Investment Advisers LLC is an SEC-registered firm that provides financial planning, portfolio management, and retirement services through a broad network of independent advisors. The firm serves a diverse client base including individuals, employer-sponsored retirement plans, and institutional accounts, offering customizable investment strategies and access to third-party money managers.