Michael Ayerov is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2012, having worked at JPMorgan Chase Bank, N.A. since 2007. Outside of his advisory role, he serves as a board member on the fundraising committee for Chabad Lubavitch of Western Monmouth County, a nonprofit organization promoting Jewish life. 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. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities through a non-discretionary program where clients retain final decision-making authority.

James Bratone is a financial advisor at LPL Enterprise with one year of industry experience. He holds the Series 66 designation and has prior experience at Cetera Wealth Services and Cetera. His background includes roles outside finance, such as employment in retail and hospitality. LPL Enterprise serves a diverse clientele including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and brokerage and insurance products, supported by an integrated platform combining advisory programs with other financial product sales.

Scott Kirschner is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His career includes roles at Bank of America, Merrill, and several other organizations. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Neil Montesano is a financial advisor at LPL Financial with 26 years of industry experience. He previously worked for Wells Fargo Advisors for 10 years before joining LPL Financial in 2023. Montesano holds a Series 63 designation. He is involved with Boland-Montesano Financial Group LLC, a non-investment-related business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with a range of discretionary and non-discretionary management options supported by in-house and third-party research.

Vicki Pace is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2018, with prior experience at Janney Montgomery Scott and running Pronto Gift Baskets, a retail and online customer service business. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models.

Austin Cioffi is a financial advisor with Mass Mutual Investors Services, holding Series 65 and Series 63 licenses and having five years of industry experience. His work history includes roles at MassMutual Life Insurance Company since 2022 and prior positions at National Holdings Corp and National Securities Corporation. He was a full-time student for ten years before entering the industry. MassMutual Investors Services, LLC 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, and educational seminars, focusing on structured, collaborative planning engagements using firm-approved analytical tools.

James Magaziner is a financial advisor at OSAIC with 42 years of industry experience. He holds the CFP® and ChFC® designations and was previously with John Hancock Life Insurance Company for 26 years before joining OSAIC in 2018. In addition to his advisory role, he operates a sole proprietorship providing financial planning and wealth advisory services. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on portfolio construction using asset allocation tools, risk tolerance analysis, and access to third-party money managers.

Brett Palumbo is a Senior Financial Advisor with Merrill Lynch Wealth Management. He applies a disciplined process to provide a consistent and customized approach to wealth management, focusing on understanding clients’ individual and professional priorities before making financial decisions. Brett works closely with clients to establish financial objectives, develop tailored action plans, and recommend strategies that integrate all aspects of their financial lives. He also conducts regular reviews to monitor progress and adjust plans in response to life or business changes. With over 30 years of experience in the financial services industry, Brett joined Merrill in 2010. His expertise covers areas including college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization, among others. Brett holds a Bachelor of Science degree in Finance with a minor in Economics from the University of Delaware. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Brett grew up in Little Silver, New Jersey, and currently resides in Lincroft, New Jersey, with his wife and two children. He is involved in his community through participation in the Lincroft Soccer Board and the Jersey Off Road Bicycle Association (JORBA). His personal interests include baseball, biking, football, and surfing.

Nicole Burns is a financial advisor with Merrill in Morganville, NJ, holding Series 63 and Series 66 credentials. She has 32 years of industry experience, including nine years at Merrill and prior work at Freehold Cartage, Inc. Outside of her advisory role, she serves as executor and holds power of attorney positions related to several estates. 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 model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Craig Reinert is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He works with individuals and families to help them make informed decisions and pursue their financial objectives by developing personalized financial strategies. Craig emphasizes building relationships based on respect and listening, focusing on client goals such as education funding, vacation home purchases, legacy planning, and retirement. With two decades of experience in the financial services industry, Craig has advised individual and small business investors. Before his advisory roles, he worked as a Treasury Analyst at Brown Brothers Harriman. He is a CERTIFIED FINANCIAL PLANNER™ professional and qualified Portfolio Manager who manages customized investment strategies, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment options. He holds Series 7, 63, and 65 FINRA registrations, as well as Life and Health Insurance licenses. Craig earned his bachelor's degrees in Economics and Entrepreneurship & Management from Johns Hopkins University. He is committed to community involvement and spends time volunteering with local organizations. Outside of work, Craig enjoys baseball, basketball, boating, camping, fishing, football, golfing, skiing, traveling, and spending time with his family.

Joe Piacentino is a Financial Consultant at Fidelity Investments, where he has been employed since 2002. In this role, he works with families to develop financial plans aimed at helping them achieve their financial goals. Prior to joining Fidelity Investments, Joe served as an Account Executive at Oppenheimer & Co. from 1999 to 2001. With over 20 years of experience in the financial services industry, Joe's approach involves gaining a comprehensive understanding of each family's vision and utilizing the resources available at Fidelity to address their individual needs. His career reflects a long-term commitment to assisting clients in financial planning. Outside of his professional work, Joe has interests in cooking and baking, caring for pets, reading, and traveling.

Anthony Mignone is a financial advisor with Equitable Advisors, holding a Series 66 designation and 25 years of industry experience. He has been with Equitable Advisors since 2001 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he is involved with the Ashar Group, which operates in the life settlement sector. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and provides both advisory and brokerage/insurance channels to implement client recommendations.

James Tucker is a CFP® and Series 66-registered financial advisor with 12 years of industry experience. He has worked at Ameriprise since 2019, following a five-year tenure with Bank of America and Merrill. He is based in Red Bank, NJ. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

John Volpe is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Stifel Nicolaus & Co Inc for nine years before joining Morgan Stanley in 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary models to support client financial strategies.

Anthony Caltabilota Jr. is a CFP® with 29 years of industry experience, currently affiliated with OSAIC. He has worked at New Century Financial Group, LLC and Osaic Wealth, Inc. for over two decades. In addition to his advisory role, he is an Enrolled Agent licensed to practice before the IRS and owns a tax preparation and consulting business. Osaic Wealth, Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios across various asset classes.

David Cash Alston is a financial advisor with Edward Jones in Shrewsbury, NJ, holding Series 63 and Series 66 licenses and having six years of industry experience. His prior roles include positions at Bank of America/Merrill Lynch and LPL Enterprise. Outside of his advisory work, he serves as Deputy Treasurer for Sage Well Compliance. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Steven Kaiman is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. Prior to joining UBS in 2017, he worked at Amherst Pierpont Securities and Credit Suisse Securities (USA) LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and capital market insights to tailor strategies for clients.

Michael Reszkowski is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Merrill Lynch, Janney Montgomery Scott, and a range of small business ventures such as Tommy's Tavern and Tap and Iron Hill Brewery. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with comprehensive financial planning and investment services, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and emphasizes a collaborative planning process without providing individual security recommendations in standalone planning engagements.

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® and holds a Series 66 license with four years of industry experience. He is currently with Charles Schwab & Co., Inc., where he has worked for three years. His prior experience includes roles at Merrill and various positions outside the financial industry. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 both non-discretionary and discretionary investment options supported by multi-asset model portfolios, alternative investment due diligence, and centralized operational infrastructure.