Richard Campanella is a financial advisor with Morgan Stanley in Toms River, NJ, holding Series 63 and Series 66 credentials and bringing 38 years of industry experience. He has been with Morgan Stanley since 2008 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies such as Secular Return Estimates and Monte Carlo simulations to assist in financial planning.

Philip Yellovich is a financial advisor at Morgan Stanley with 36 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Outside of his advisory role, he is a singer in a band and occasionally performs at local venues. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs focused on tailored financial planning, utilizing structured discovery processes and advanced modeling techniques.

Brian Gazia is a financial advisor at Merrill with 26 years of industry experience, including 20 years with his current firm. He holds Series 63 and Series 66 licenses and works from Beachwood, NJ. 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.

Christopher Cirri III is a Series 66-licensed financial advisor with 11 years of industry experience. He is currently affiliated with Equitable Advisors and has prior experience at firms including Prudential Insurance Company of America, PGIM Investments LLC, Bank of America, and Merrill. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional investors. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual-registered model as an SEC-registered investment adviser and broker-dealer.

Benjamin Felicelli is a financial advisor with Equitable Advisors in Jackson, NJ, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Equitable Advisors since 2009 and previously worked at AXA Advisors. Outside of his advisory role, he serves as the Director of Soccer Operations for the Jackson Soccer Club. 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 third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Bruce Linger is a CFP® professional with 38 years of experience in the financial services industry. He has been with Osaic since 2025, following a 35-year tenure at Lincoln Financial Advisors Corp. Outside of his advisory work, he is involved in several insurance-related ventures, including offering indexed and fixed indexed annuities and life settlements. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include various investment types.

Lawrence Cagliostro is a Senior Financial Advisor and First Vice President of Wealth Management at Merrill Lynch in the Toms River, New Jersey branch. He focuses on family wealth management strategies, philanthropic planning, and portfolio management services. Drawing on extensive experience from his previous role at Morgan Stanley in Toms River, Lawrence develops close relationships with clients often spanning multiple generations and addresses concerns including early retirement, job transitions, retirement account needs, concentrated stock positions, and comprehensive retirement planning strategies. Lawrence holds a Bachelor's Degree from Rider University and a Master's Degree from Georgian Court University. He has earned the Professional Investment Advisor (PIA) designation, reflecting his commitment to professional development and client service. Beyond his advisory role, Lawrence participates in community service as a board member of the Salvation Army. His approach emphasizes creating personalized financial strategies tailored to each client's long-term goals, supported by the investment insights of Merrill and the resources of Bank of America.

Guy Savino Jr. is a financial advisor at Morgan Stanley with 53 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. He holds a Series 63 designation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Dominick Palumbo is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2019, with prior experience at Wells Fargo Bank, N.A., and PNC Investments. Outside of his advisory role, he serves as Treasurer for the Algonquin Theatre in Mansquan, NJ, where he participates in financial oversight and community support activities. 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 modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Benjamin Kaplowitz is a Senior Financial Advisor at Merrill Lynch Wealth Management. With over 12 years of experience in the financial industry, he specializes in developing personalized financial strategies tailored to the unique needs of his clients. He assists clients with areas including family wealth management, liquidity management, retirement planning, philanthropic planning, portfolio management, small business strategies, and tax minimization. Benjamin holds a Bachelor's Degree and a Master's Degree from Beth Medrash Govoha and carries the designation of Personal Investment Advisor (PIA). He follows Merrill's tradition of community participation and spends time volunteering with organizations in his local community. Outside of his professional work, Benjamin has interests in baseball, basketball, running, and writing. He works one-on-one with clients to develop financial strategies designed to help pursue their long-term goals.

James Jackson Jr is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and bringing 25 years of industry experience. He has been with various Wells Fargo entities since 2010. Outside of finance, he operates Darkechilde Photography, providing event photography services. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, utilizing proprietary research and tools to develop tailored client recommendations.

Craig Reid is a financial advisor at Equitable Advisors with 37 years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors and its predecessor AXA Advisors, LLC since 1999. Outside of his advisory role, he is involved with Titan Agency, a property and casualty business. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and a broker-dealer.

Mark Vandzura is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Equitable Advisors since 2014 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he serves as a trustee for a family trust, facilitating transactions for trust assets custodied at Fidelity. 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 a variety of third-party programs. The firm utilizes a hybrid referral and implementation model, offering both advisory and brokerage services tailored to client goals and risk tolerance.

Daniel Mccoy is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His career includes roles at MetLife Securities Inc. and MassMutual Life Insurance Co. Outside of his advisory work, he serves as a baseball coach at Barnegat High School. Mass Mutual Investors Services, LLC 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 collaborative, annual financial planning engagements supported by analytical tools and educational seminars.

Lisa Chirichillo is a financial advisor at LPL Financial with 38 years of industry experience. She holds a Series 63 designation and has been associated with Linsco/Private Ledger Corp. since 1992. Outside of her advisory role, she is a commissioned notary in Toms River, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management with support from LPL Research and third-party subadvisors.

Charles Ahto is a financial advisor with UBS Financial Services who holds Series 63 and Series 65 licenses and has 43 years of industry experience. He has been with UBS since 2006. He also serves as trustee for the Candace Ahto trust, managing and overseeing the investment of assets and income distributions under the terms of the trust established by his father. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client plans.

Bryan Locher is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously spent four years at Pacer Financial, Inc. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with options for discretionary investment management and a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Paul Ha is a financial advisor at LPL Financial with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Kenneth Koerner is a CERTIFIED FINANCIAL PLANNER™ professional with 14 years of industry experience, currently affiliated with Cetera. His career includes roles at Avantax Investment Services and 1st Global Advisors, and he has maintained a family business, Koerner & Koerner PA, since 1987. Koerner also manages Koerner Healthcare, LLC, a financial services business based in Toms River, NJ. Cetera Investment Advisers LLC is a large, SEC-registered firm with over 10,000 advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of program options and investment strategies, managing more than $256 billion in assets.

Jeffrey Van Demark is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related investment options and bank deposit sweep programs among its offerings.