Carol Doran Timmins is a financial advisor at Morgan Stanley with 41 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2016. Outside of her advisory role, she maintains a qualified license as a FINRA arbitrator, although she is not currently active in that capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs for individuals and institutional clients. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group and manages approximately $2.74 trillion in client assets.

Temur Dranker is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2012 and has been involved with 211 Hardly Realty LLC. 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 combination of advisory and brokerage capabilities.

Eric Kalma is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations through a centralized consulting team. The firm also provides a broad array of advisory, brokerage, and insurance solutions typical of a large institutional firm.

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.

Robert Amato is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 designations and five years of industry experience. His prior work includes roles at Comnet Telecom Supply and Total Relocation Services, as well as employment at Queens College. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Ginamarie Schembre is a financial advisor with Raymond James & Associates, holding a Series 63 designation and over 42 years of industry experience. She worked at Janney Montgomery Scott for 10 years before joining Raymond James & Associates, where she has been since 2019. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a focus on tailored, non-discretionary advice supported by firm research and a range of portfolio management strategies.

Angel Ayala is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding Series 63 and Series 66 licenses and 17 years of industry experience. He previously worked at J.P. Morgan Securities for 13 years and was involved in hospitality ventures at Gretalia Hospitality and Osteria Procaccini. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with third‑party data to guide investment decisions and offers a broad range of brokerage and advisory solutions.

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.

Gregory Gallucci is a Series 66 licensed financial advisor with 21 years of industry experience. He has worked at Merrill since 2017 and at Bank of America, N.A. since 2020, with prior experience at North South Capital, LLC. Outside of advising, he owns Fophie, a food services marketplace LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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.

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.

Jose Madera Reyes is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. Outside of his advisory work, he is a licensed notary in Iselin, NJ. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on a broad range of advisory and non-advisory financial services.

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.

Sandra Perez is a Series 66-registered advisor with Merrill in Iselin, NJ, and has 16 years of industry experience. She has been with Bank of America N.A. and Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

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.

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.