Deborah Privetera is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and over 33 years of industry experience. Her prior positions include roles at Morgan Stanley Smith Barney and Citigroup Global Markets. She is also co-executor for a friend, a non-investment-related appointment. Cetera Investment Advisers LLC operates as an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and unaffiliated third-party managers.

Lisa Woods is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2022. She has worked in the financial services field for over 25 years, focusing on building strong client relationships and developing financial plans that support long-term retirement goals. Her professional experience includes roles as a Financial Consultant at Fidelity Investments from 2017 to 2022, Managing Director of Marketing and Investor Relations at Dunbar Capital from 2007 to 2016, and equity trading positions at BLM Investment Securities from 2004 to 2006 and Charles Schwab from 1996 to 2004. Throughout her career, she has emphasized the importance of financial planning as an essential component of sound retirement strategies.

Joseph Digiso is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has previously worked with PNC Investments and PNC Wealth Management. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Angel Ayala is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He previously worked at J.P. Morgan Securities for 13 years and was involved in hospitality with Gretalia Hospitality and Osteria Procaccini. He holds Series 63 and Series 66 licenses. 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 manages approximately $671 billion in assets and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and diversification-based investment evaluation.

Zachary Green is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2021 and has prior experience at Northwestern Mutual and Nike. Outside of his advisory role, he is also a server at Cinder Bar, a bar and restaurant in Williamstown, NJ. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, offering a mix of model-based and discretionary investment strategies.

Stefen Benincasa is a financial advisor at UBS Financial Services with 31 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Bank of America and Merrill. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of 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 and model-based asset allocations to tailor plans to client goals and risk tolerances.

William Egan III is a CFP®-designated financial advisor with 44 years of industry experience. He is currently with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company, having previously worked at Metlife Securities, Inc. He serves as chairman of the House Committee for Food and Beverage at Springlake Golf Club. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes ongoing financial planning using firm-approved analytical tools and offers asset management, wrap programs, and educational seminars.

Andrew Mahnken is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Bank, N.A. and Wells Fargo Advisors, LLC. Outside of finance, he has a 25% ownership in a pizza restaurant called Killer Pies in Asbury Park, NJ. 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 manages approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions.

Leandro Savillo is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America and Merrill. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Jordan Sirota is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Osaic Wealth Inc., Cetera Advisor Networks LLC, and Mid Atlantic Resource Group. 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 broad range of advisory and brokerage services through a large network of investment adviser representatives, utilizing various portfolio strategies and advisor tools.

David Marshall is a financial advisor at Merrill with three years of industry experience and holds the Series 66 designation. His prior work includes roles at UBS Financial Services, New York Life Insurance, and Amib Inc. He serves as a board member of New Jersey Dream Elite, a nonprofit mentorship program for at-risk youth focused on education, financial literacy, and life skills development. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Lindquist is a CFA® charterholder and holds the Series 66 designation, with nine years of experience in the financial industry. He has been with LPL Financial since 2019 and previously worked at First Trust Portfolios L.P. from 2016 to 2019. 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 investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Shawn Rubin is a financial advisor with Morgan Stanley in Rumson, New Jersey, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association. Rubin serves as a board member of Rumson Country Day School. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct and corporate financial planning services.

Jack Patach is a financial advisor with Ameriprise in Holmdel, NJ, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Cion Investments and the University at Albany. He is also involved in managing an advisory business through DGAM LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Danielle Tucker is a financial advisor at UBS Financial Services with 12 years of industry experience. She holds a Series 66 designation and previously worked at Merrill from 2013 to 2019. Tucker has been with UBS since 2019. 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, supported by proprietary research and a range of capital markets solutions.

George Osipovitch III is a financial advisor with Equitable Advisors in Wall, NJ, holding a Series 66 designation and 20 years of industry experience. He has been with Equitable Advisors since 2006 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he serves as a board member and alternate voting member of the Planning Board of Brick Township and is a partner at Modern Tax Advisors, LLC. Equitable Advisors serves individuals ranging from non‑high-net-worth to high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, using proprietary and third-party advisory platforms.

Leticia Caetta is a financial advisor at Merrill with 11 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2013 and is currently associated with Bank of America, N.A. She serves as an executor and holds power of attorney roles for a nonprofit organization in Red Bank, New Jersey. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Meyer is a CFP® with 18 years of industry experience. He joined LPL Financial in 2025 after 18 years at RBC Capital Markets. Meyer operates One Meyer Consulting, LLC, a non-investment-related business entity. 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 financial planning and asset management services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Matthew Marra is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at both Bank of America and Merrill since 2019. He is involved with the YMCA of Freehold, where he helps organize events to raise funds for the charity. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, and various institutional investors with model-based and discretionary investment strategies.

Geeta Brana is a financial advisor with OSAIC, holding the Series 66 designation and 15 years of industry experience. She has been with Royal Alliance since 2017 after an eight-year career break. Outside of her advisory work, she founded WHEEL, a nonprofit social networking group focused on empowering and educating women. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services with various investment platforms and third-party solutions.