Carolina Desiderato is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2011. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Marc Demello serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over three decades of experience in investment advising. Since joining the firm in 2015, he has focused on designing and implementing fixed income portfolios tailored to high net worth individuals, many of whom are current or former investment professionals. His expertise includes utilizing corporate bonds, municipal bonds, preferred stocks, and alternative investments to develop income strategies. Marc holds a Bachelor's Degree from Northeastern University and holds the Personal Investment Advisor (PIA) designation. His client focus encompasses managing new wealth, individual and corporate investment strategies, and retirement income. Outside of his professional role, Marc resides in Monmouth County and enjoys spending time with his family. He has three children and takes pleasure in watching their performances in concerts, supporting their high school rowing team, and traveling with them both domestically and internationally.

Dominick Gallo is a CFP® professional with 36 years of industry experience, currently serving at Ameriprise in Colts Neck, NJ. He has been with Ameriprise and its predecessor entities since 1989. Outside of his advisory role, he maintains family real estate originally transferred to him and his brothers several decades ago. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Zachary Fransckiewich is affiliated with LPL Enterprise and holds a Series 66 designation. He has been with LPL Enterprise since 2026 and has no prior industry experience. Outside of financial advising, he has experience working in the hospitality and education sectors, including ownership of Hotel LBI since 2020. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services supported by LPL’s research, model portfolios, and third-party strategists.

Jonathan Steiger is a financial advisor with Equitable Advisors in Wall, NJ. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at A.J. Gallagher, Arla Foods, and involvement with The College of New Jersey. Equitable Advisors serves a broad mix of individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through LPL-sponsored programs and endorsed third-party managers, providing both discretionary and non-discretionary advisory solutions.

Brielle Scott is a Financial Consultant at Fidelity Investments, a position she has held since 2024. She has been with Fidelity Investments since 2019, progressing through roles including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, she worked as a Financial Services Representative at Merrill Edge from 2018 to 2019. Brielle focuses on financial planning and client engagement, aiming to provide tailored financial plans that align with clients' goals and needs. She emphasizes listening to clients and serving as a local resource to support their pursuit of a successful financial future. Outside of her professional work, Brielle enjoys cooking and baking, family activities, and reading.

Christopher Edgar is a Wealth Management Advisor and co-head of a six-member practice based out of the Jersey Shore with Merrill Lynch Wealth Management. He and his team focus on helping clients simplify their financial lives and make educated financial decisions. With over 15 years of experience in the financial services industry, Chris joined Merrill Lynch Wealth Management following the Great Financial Crisis. He specializes in risk management and capital preservation, managing corporate benefit programs like equity compensation and various retirement plans. His expertise extends to corporate executives and their families, providing comprehensive wealth management strategies. Chris holds a Bachelor's Degree from Rider University and has earned several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of work, he is involved in community organizations such as the Boy Scouts of America and supports local groups like the Brielle Education Foundation, Children's Specialized Hospital, and youth sports leagues. His personal interests include adventure sports, boating, golfing, photography, and spending time with his family.

Christopher Geraci is a financial advisor with Merrill, holding the Series 66 designation and six years of industry experience. His work history includes roles at Bank of America and Merrill since 2020, with prior experience at T-Mobile, B2B Soft, Aleatory Inc, Bar Anticipation, and Verizon. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Frank is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors Corporation and several Summit firms. Outside of advising, he operates a courier service as a sole proprietor. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios that may include a broad range of investment vehicles.

Georgia Christodoulou is a financial advisor at Mass Mutual Investors Services with 42 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at METLIFE Securities Inc. She is also a partner at Creative Risk, a property and casualty business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured, collaborative planning engagements and a range of programs including money-manager and employer-sponsored planning.

Alfred Kelly Jr. is a financial advisor at UBS Financial Services with 41 years of industry experience. He holds Series 63 and Series 66 licenses and has been with UBS since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management through various platforms and proprietary research.

Keith Knoop is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. He has been with Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide array of advisory programs, including tailored financial planning using firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Jason Mieras is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with OSAIC since 2024 and has a longstanding career at American Portfolio Financial Services beginning in 2001. Outside of his advisory role, he is a 50% owner and insurance agent at MFI Retirement Planning Assoc., specializing in fixed insurance sales. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing, managing portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments on both discretionary and non-discretionary bases.

Robert Libraty is a Series 66-licensed financial advisor with UBS Financial Services in Red Bank, NJ, where he has worked since 2014. He has 12 years of experience in the industry. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based investment strategies tailored to client goals.

Andrew Mallardi is a financial advisor at Fisher Investments with 20 years of industry experience. He holds the Series 66 designation and has worked at Fisher Investments since 2019, following a 10-year tenure at TD Ameritrade Inc. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals. The firm provides discretionary portfolio management using a centralized investment process that combines quantitative screening, qualitative research, and tax-aware strategies across equity, fixed-income, and blended mandates.

James Dolan is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and offering access to diverse investment and retirement planning resources.

Daniel Flynn is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 licenses and has 29 years of industry experience. His career includes roles with MML Investors Services LLC, MassMutual Life Insurance Company, Pruco Securities, LLC, and Prudential Insurance Company of America. MassMutual 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 deliver collaborative, goal-focused recommendations.

Raymond Gardner is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and previously worked for Avantax Advisory Services and Avantax Investment Services Inc. Before entering the financial industry, he spent 17 years with the Ocean County Prosecutor's Office. Outside of advising, he serves as a high school and youth sports referee for football and soccer and provides forensic accounting services. Cetera Investment Advisers LLC serves a broad client base including individual investors, employer-sponsored retirement plans, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to both affiliated and third-party money managers.

Charles Head is a financial advisor at Fidelity with 37 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes over 16 years at Tiaa and a year at The Vanguard Group, Inc. He works within Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, fund advisory, and multi-manager structures.

James Blalock is a financial advisor with Morgan Stanley in Red Bank, NJ, holding a Series 66 designation and 22 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is a minority partner in two youth lacrosse websites, The Club Sports Organization, LLC and LaxRanx LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning using firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides financial planning primarily in an advisory capacity.