Andrew Scott is a financial advisor at Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation. He has been with Morgan Stanley since 2026 and previously worked at Life Time Fitness and ADP LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through structured discovery conversations without offering individual security recommendations in standalone planning.

Kelly Mcconnell is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2008, except for a three-year period at Morgan Stanley Smith Barney LLC from 2022 to 2025. Merrill, together with its affiliate Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Todd Speedy is a financial advisor with Equitable Advisors in Toms River, NJ, holding a Series 66 designation and 24 years of industry experience. He has been with Equitable Advisors since 2002, including its predecessor Axa Advisors, where he worked for 18 years. 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 a broad selection of third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to deliver tailored financial solutions.

Miguel Coelho is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera and its affiliated entities since 2019, as well as at Summit Financial Group and Summit Brokerage Services earlier in his career. Outside of his advisory role, he is the managing partner of Freedom Capital Group. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers various portfolio management and financial planning services through a multi-manager platform that provides access to affiliated and third-party managers as well as customizable investment strategies.

Colin Dempsey is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has additional experience at Wells Fargo Bank, N.A. since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm offers IPS-driven advisory services grounded in modern portfolio theory, including both discretionary and non-discretionary options, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Paul Bitterly is a financial advisor at Morgan Stanley in Red Bank, NJ, holding a Series 66 designation with eight years of industry experience. He has worked at Morgan Stanley since 2017 and previously held roles at The College of New Jersey. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through Corporate Financial Planning agreements with employers.

Richard Fiorentino is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. His prior work includes roles at Wells Fargo Advisors and Securian Financial Services, and he has been associated with multiple firms including margFINANCIAL and Mid-Atlantic Resource Group. Fiorentino also engages in fixed insurance sales as an agent/broker. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party investment managers.

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.

David Shave is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Osaic in Brielle, NJ since 2018. Prior to joining Osaic, he worked at Sii from 2014 to 2018 and has been a partner at SFG Annuity Marketing, Inc. since 1997. He is also involved in financial planning and insurance sales through his activities with Acorn Financial and Acorn Financial Services. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers integrated brokerage and advisory services, employing a range of portfolio construction tools and multiple third-party platforms to provide tailored investment and planning solutions.

Kenneth Turner is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 28 years of industry experience, having worked at Mass Mutual Investors Services since 2017 and previously with Walnut Street Securities, New England Securities, Metlife Securities, and Metropolitan Life Insurance Company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and investment management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning using firm-approved tools and delivers recommendations without investment discretion, supporting implementation through separate brokerage or insurance arrangements.

Jonathan Ranieri is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2010 and Bank of America, N.A. since 2012. Outside of his advisory role, he maintains an active real estate sales license related to his family's brokerage in 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, and institutions.

Jacob Eisikovic is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 12 years of industry experience. He is also a partner at Eisikovic & Kane, LLP, providing accounting, bookkeeping, tax preparation, and payroll services. Eisikovic has worked at Avantax Advisory Services and Avantax Investment Services, among other roles. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services, utilizing a multi-manager platform with discretionary and non-discretionary strategies across multiple program structures.

Trevor Sahol is a financial advisor with Wells Fargo Clearing in Red Bank, NJ. He holds a Series 66 designation and has recent experience with LPL Enterprise and Morgan Stanley. Outside of his advisory roles, he has been involved in a non-variable insurance business. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Michelle Miranda is a Financial Advisor with Merrill Lynch Wealth Management. She works with clients to develop personalized wealth management strategies that align with their financial goals and adapt to changing market conditions. Michelle leverages the combined resources of Merrill and Bank of America to provide clients with investment insights, banking convenience, and lending solutions. Her approach integrates long-term wealth strategy, disciplined investment management, risk mitigation, and tax-efficient planning. Michelle assists clients in building, protecting, and sustaining wealth, navigating financial considerations such as divorce, and supporting business owners with strategic planning for growth and financial independence. She is committed to simplifying financial complexity and helping clients navigate life transitions with clarity and confidence. Michelle holds a Bachelor's Degree from Rutgers and has earned the Personal Investment Advisor (PIA) designation. Outside of her professional role, she enjoys activities such as biking, bowling, camping, dancing, gardening, golfing, hiking, pickleball, traveling, and yoga.

Tino Salaris is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 designations and 11 years of industry experience. His career includes roles at Merrill, Bank of America, TD Ameritrade, and Schwab firms. 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 combines non-discretionary client relationships with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Joseph Mandile is a financial advisor at Ameriprise with 38 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to his current role, he worked at Ameriprise Financial Services, Inc. for 31 years. Outside of advising, he is involved in a business ownership role related to office lease and management. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm delivers non-discretionary, research-driven recommendations that integrate tax-efficient withdrawal strategies and Social Security options, supported by algorithmic tools and oversight committees.

Frank Gargano is a financial advisor with Cetera, holding the ChFC® designation as well as Series 63 and Series 65 licenses, and has 34 years of industry experience. He has been affiliated with Cetera and Cetera Wealth Services, LLC since 2013. Outside of his advisory role, he is an insurance agent offering fixed life, health, disability, annuities, and long-term care products, and he is involved in life settlements through Welcome Funds, Inc. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with over 10,000 advisors nationwide.

Amy Haig is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been with the Toms River, NJ office since 1992 and has 32 years of experience in the financial services industry. In her role, she helps clients manage their personal and business finances and works closely with their accountants and attorneys to develop estate plans. Amy holds a Bachelor's degree from Gettysburg College and a Master's degree from the University of North Carolina at Chapel Hill. She is a CERTIFIED FINANCIAL PLANNER® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Additionally, she holds the Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. Residing on Long Beach Island with her husband and two children, Amy participates in the communities she serves by volunteering with local organizations.

John Ulrich is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm focuses on tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and analytics.