William Cashel is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 66 designation and 13 years of industry experience. He previously worked at Bank of America, N.A. for five years before joining Wells Fargo in 2018. Cashel also serves as power of attorney for his parents in Trenton, NJ. 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, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Anthony Caltabilota Jr. is a CFP®-designated financial advisor with 29 years of industry experience. He has been with Osaic Wealth, Inc. since 2003 and previously worked at New Century Financial Group, LLC and Avantax Advisory Services. Outside of his advisory role, he is an Enrolled Agent licensed to practice before the IRS and owns a tax preparation and tax advice business. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach features model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

David Cash Alston is a financial advisor at Edward Jones with six years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Bank of America/Merrill Lynch and LPL Enterprise. Outside of his advisory role, he serves as deputy treasurer for Sage Well Compliance. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of wealth levels and organizations. The firm manages over $1 trillion in assets and offers various advisory programs, discretionary and non-discretionary strategies, separately managed accounts, and affiliated investment products through a nationwide network of advisors.

Steven Kaiman is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He joined UBS in 2017 after a year at Amherst Pierpont Securities LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Michael Reszkowski is a financial advisor with Morgan Stanley in Red Bank, NJ, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Merrill Lynch and Janney Montgomery Scott, as well as positions in the hospitality industry. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates firm-approved tools and market-based return estimates, emphasizing advisory services without providing individual security recommendations in standalone plans.

Joseph Serzan III is a financial advisor with Edward Jones in Spring Lake, NJ, holding a Series 66 designation and bringing 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a large nationwide network of financial advisors and branch offices.

Ethan Stewart is a CFP®-certified financial advisor with four years of industry experience, currently with Charles Schwab & Co., Inc. He previously worked at Merrill and has held roles in both academic and entrepreneurial settings, including at Rowan University and as part of Sandscapes LLC. Charles Schwab & Co., Inc. serves 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 offers a mix of non-discretionary and discretionary investment guidance, using multi-asset model portfolios supported by research from Schwab Center for Financial Research.

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.

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 who holds Series 63 and Series 66 licenses and has 20 years of industry experience. His prior work includes positions at Wells Fargo, Fidelity Brokerage Services, and AAA Mid-Atlantic. He is also active as an investment advisory representative at Rockdale Financial Services, where he performs administrative duties. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with access to various portfolio management strategies, including discretionary and non-discretionary services, leveraging affiliated and third-party managers across multiple program structures.

Jason Fern is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and 31 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research, analytics, and diversification principles to support its investment approach.

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.