Richard Jorge is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 25 years of industry experience. He has worked with firms including Eagle Strategies and New York Life Insurance Company. Outside of his advisory role, he is also an insurance agent handling life, fixed annuities, disability, long-term care, and health insurance. Mass Mutual Investors Services, LLC 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, and educational seminars, using firm-approved tools to provide collaborative, goal-focused recommendations.

Charles Lambert Jr. is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 28 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and is also affiliated with Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Since 2012, he has operated as an independent insurance agent selling dental, disability, life, and annuity products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars, using firm-approved software and structured planning processes.

Joseph Ronan is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. He previously worked at New York Life for seven years and Morgan Stanley Smith Barney LLC for one year. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, various advisory programs, and retirement plan consulting through a nationwide network of investment adviser representatives.

Daniela Vizcaino is a financial advisor with Merrill in Red Bank, NJ, holding the Series 66 designation and three years of industry experience. She has worked at Bank of America and Merrill since 2020 and previously held various roles in the casino and hospitality industry. 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, and institutional investors.

Todd Rosenblatt is a CFP®-certified financial advisor with LPL Financial, based in Holmdel, NJ, and brings 18 years of industry experience. He previously worked at Private Portfolio Partners, LLC for nine years. Outside of advisory work, he has been involved with several insurance-related activities including non-variable insurance agencies and marketing groups. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from both in-house and third-party sources.

Keith Ryan is a financial advisor at Stifel with 23 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. He holds Series 63 and Series 66 securities licenses. Stifel serves a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses that support client decision-making.

Roxanne Grise is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, N.A. Grise serves as a trustee and co-trustee in a trust outside of her advisory duties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by structured tools and sophisticated modeling techniques.

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.

Deborah Privetera is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her prior roles include positions at Morgan Stanley Smith Barney and Safe Harbor Financial. She also serves as a co-executor for a friend. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management and financial planning services.

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 at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at PNC Investments for eight years before joining Wells Fargo in 2023. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in an IPS-driven, modern portfolio theory approach. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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 bringing 12 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Bank, N.A. and WELLS FARGO Advisors, LLC. Outside of finance, he has a 25% ownership stake in a pizza restaurant called Killer Pies in Asbury Park, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is driven by investment policy statements and modern portfolio theory, incorporating a wider range of financial products including insurance-related vehicles and bank deposit sweep options.

Jordan Sirota is a financial advisor with LPL Financial who holds a Series 66 designation and has four years of industry experience. Prior to joining LPL Financial in 2025, he worked at CETERA Advisor Networks and Mid Atlantic Resource Group, among other firms. Outside of advising, he has experience in life and health insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research, model portfolios, and various technology tools.

David Marshall serves as the Senior Resident Director at Merrill Lynch Wealth Management's Montecito office. He has been with Merrill Lynch since 1979, beginning his career in the Santa Barbara, California office. David holds the designation of Personal Investment Advisor (PIA) and has built his practice around understanding clients' life priorities to develop personalized wealth management strategies tailored to their goals and aspirations. His areas of expertise include family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, socially responsible and values-based investing, tax minimization, and retirement income planning. David earned a Bachelor's Degree in Business Economics from the University of California, Santa Barbara in 1979. Outside of his professional commitments, David and his wife Becky enjoy the community together, engaging in activities such as sailing, walking their golden retrievers with their daughter at Elings Park, and playing golf at local courses including Muni, Sandpiper, and Glen Annie.

Daniel Lindquist is a CFA® charterholder and holds a Series 66 license, with nine years of experience in the financial industry. He has worked at LPL Financial since 2019 and previously spent three years at First Trust Portfolios L.P. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

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.