Brian Gaffney is a financial advisor at LPL Financial with 39 years of industry experience. He has been with LPL Financial since 2000 and holds a Series 63 designation. Outside of his advisory role, he has been licensed as an insurance broker in New Jersey and involved in selling group health insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Anthony Cifelli Jr. is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His previous roles include positions at Wells Fargo Advisors Financial Network LLC from 2009 to 2017 and Ameriprise Financial Services, Inc. from 2017 to 2020. Outside of advisory work, he is involved in Medicare insurance through Superior Senior Solutions, LLC. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with significant investable assets, delivering tailored, research-driven recommendations. The firm combines advisory, brokerage, and insurance solutions, utilizing algorithmic tools and in-house oversight to support retirement income strategies.

William Yaegel is a financial advisor with Stifel in Shrewsbury, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Stifel since 2007. Stifel serves a diverse clientele including individual, institutional, and municipal clients, offering both brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Jyoti Oberai is a financial advisor at Equitable Advisors with 27 years of industry experience. She has been with Equitable Advisors since 1999, including its predecessor AXA Advisors. Outside of advising, she is involved in a fine wine and liquor business. 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 uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

William Witt is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and nine years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC, and has experience assisting clients with health insurance decisions through non-sponsored health insurance appointments. Before his financial services career, he was involved in the restaurant industry. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and other institutional clients, offering financial planning, advisory, and brokerage services through an integrated platform that includes access to model portfolios, third-party asset management, and insurance products.

James Solano is a financial advisor at Morgan Stanley with 36 years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2017 and previously held a position at Stifel Nicolaus & Co Inc from 2011 to 2017. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

James Shea Jr. is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63, 65, and 66 licenses and 26 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Oppenheimer & Co. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services using a broad range of planning areas and Wells Fargo’s research and tools.

James Gallo is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank, SSB since 2012. Charles Schwab & Co., Inc. serves a large client base, 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 advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Steven Milsen is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds a Series 66 designation and has been employed at Cambridge Investment Research, Inc. since 2025. Outside of his advisory role, he is involved with Network Agency in Staten Island, where he has worked since 2016. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through a network of independent professionals, utilizing proprietary models as well as unaffiliated strategists and providing flexible investment implementation options.

William Barnek is a financial advisor at RBC Capital Markets with nine years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill Lynch. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored strategies, portfolio management, financial planning, and brokerage services utilizing both in-house and third-party investment managers.

Maria Patrizio is a financial advisor with Ameriprise who holds Series 63 and Series 66 credentials and has 29 years of industry experience. Her prior work includes nine years at Janney Montgomery Scott and two years in home health care services. She also manages an advisory business through DGAM LLC as a client relationship manager. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations primarily for clients holding assets in Ameriprise-managed accounts.

Justin Saponara is a financial advisor at RBC Capital Markets with 23 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC for 15 years. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management tailored to clients' risk profiles, utilizing a combination of in-house and third-party investment managers.

Kelly Mcconnell is a financial advisor at Merrill with 15 years of industry experience. He holds a Series 66 designation and has worked at Merrill for a total of 15 years, with a three-year period at Morgan Stanley Smith Barney LLC. Merrill provides managed account services to Bank of America fiduciary clients through its 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.

Paul Bitterly is a financial advisor with Morgan Stanley in Red Bank, NJ, holding a Series 66 designation and bringing seven years of industry experience. His work history includes multiple roles at Morgan Stanley since 2017 and prior positions at The College of New Jersey from 2014 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets.

Andrew Marcucci is a financial advisor with Ameriprise Financial Services in Red Bank, NJ, holding Series 63 and Series 66 licenses and with 18 years of industry experience. His prior firms include Merrill, Bank of America, PNC Bank, and Empower Financial Services. Marcucci is also the owner of Belle Époque Productions, Inc., a voiceover recording business he has operated since 1995, which is currently inactive. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized retirement income planning service that provides written recommendations and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Rosemary Angeloni is a financial advisor at Morgan Stanley with 19 years of industry experience. She previously worked at Goldman Sachs & Co. for 23 years and held roles at Wells Fargo Bank and Wells Fargo Clearing Services before joining Morgan Stanley in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Isabella Fioribello is a financial professional with three years of industry experience, currently affiliated with Cetera. She holds a Series 66 designation and assists in wealth management and financial planning through her roles at Cetera Wealth Services, Posterity Family Wealth Management Ltd., and Maniscalco Wealth Management, Ltd. Outside of her advisory work, she is a licensed real estate referral agent and a notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options, financial planning, and consulting services delivered through a nationwide network of advisors.

Rashid Ramiz is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has worked at Cetera since 2025 and previously held roles at King Financial Network, Commonwealth Financial Network, and Ameriprise Financial Services Inc. Ramiz also serves as Director of Retirement Planning at King Financial Network. Cetera Investment Advisers LLC is an SEC-registered advisor that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures and affiliations, managing over $256 billion in assets.

Joseph Moliterno is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and 13 years of industry experience. He has been with Equitable Advisors since 2013, previously associated with Axa Advisors LLC for seven years. Equitable Advisors serves individual investors, retirement plan sponsors and participants, 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 uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Ruslan Nesevich is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and 26 years of industry experience. He has worked with Commonwealth Financial Network and Resource America, Inc., and operates an estate planning law firm, Nesevich Law, LLC, where he serves as owner. He also holds a director role at King Financial Network, focusing on estate planning services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base including individual investors, retirement plans, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.