Mark Loevinger is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads The Loevinger Group, which focuses on building enduring client-advisor relationships through objectivity and ongoing dialogue. The team specializes in wealth management for high-net-worth individuals and corporate 401(k) and employee benefit services, including expertise in complex benefit plans. Mark and his team customize wealth management strategies to help clients pursue financial goals, often collaborating with clients’ tax and legal advisors on tax-efficient planning. They regularly review plan progress to ensure alignment with clients’ objectives, utilizing the full range of Merrill Lynch resources and specialists to deliver comprehensive and customized financial solutions. Mark has been with Merrill Lynch since 2011 and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Beth Medrash Govoha. Mark is active in his community, volunteering with organizations such as Chai Lifeline and Nesivos. He resides with his family in Ocean County, New Jersey. His client focus areas include divorce transition planning, executive compensation, endowment and foundation services, defined benefit and contribution plans, liquidity management, managing new wealth, portfolio management, small business strategies, and tax minimization. Mark’s approach involves leveraging the combined investment insights of Merrill Lynch and the banking and lending solutions of Bank of America to help clients achieve their financial goals.

Christopher Urso is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and 39 years of industry experience. He previously worked at Cuso Financial Services, J P Turner & Company Capital Management, and Ifmg Securities. Outside of advising, Urso serves on the board of the James T. Reedy, Sr Scholarship Fund and is involved in artistic and musical business ventures. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Anne Kraljic is a financial advisor with OSAIC, holding a Series 66 designation and 25 years of industry experience. Her career includes roles at Merrill, Invest Financial Corp., and Securities America Advisors before joining OSAIC in 2024. She serves on the boards of several nonprofit organizations, including Caregiver Volunteers of Central Jersey, 21 Plus, and the Ocean County College Foundation, where she is also a member of the finance committee. Additionally, she works as a group fitness instructor at the OCYMCA. OSAIC Wealth serves a diverse client base, including retail and institutional investors, through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization supported by tools like risk-tolerance questionnaires and efficient frontier analysis, allowing advisors to implement various managed strategies and third-party manager selections.

Michael Andrieu is a Certified Financial Planner (CFP®) with 21 years of industry experience. He is currently with Morgan Stanley, having worked previously at UBS Financial Services for 11 years. Outside of his advisory role, he is a partner at Pop Sports Nutrition, a nutrition and weight loss service. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and analysis.

William Fence is a financial advisor with LPL Financial, holding a Series 66 designation and 35 years of industry experience. His prior work includes 17 years at American Portfolios Financial Services, Inc., and more than three decades at K & R Tax And Financial Service. He also operates Fence Financial Tax Services LLC, which provides tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options, supported by advisor-facing tools and a broad non-advisory financial services platform.

Jesteffer Annichiarico is a Series 66-licensed financial advisor at J.P. Morgan Securities with eight years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2024, Annichiarico worked at Bank of America, N.A. and Merrill from 2018 to 2024 and started their career at Walmart Inc. from 2015 to 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory program offers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Joann Charney is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. She has been with Bank of America and Merrill since 2006. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.

Yonathan Youshei is a financial advisor at Morgan Stanley in Toms River, NJ, holding a Series 66 designation with less than one year of industry experience. His prior roles include positions at the Torah Academy of Boston, Johns Hopkins Business School, and Metropolitan Commercial Bank. Morgan Stanley Wealth Management serves individual and institutional clients by providing a variety of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

George Masefield is a financial advisor at Equitable Advisors with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 2005, following prior work with Axa Advisors, LLC. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party solutions.

Michael Difiore is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2011. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ryan Roth is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and previously worked at Patriot Financial and Gambit Tax Planning. Prior to his advisory career, Roth served for over two decades at the Berkeley Township Police Department. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across a broad investable universe.

Steven Higley is a Series 66–registered financial advisor with Equitable Advisors in Toms River, NJ, with 29 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 1999. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a variety of third-party advisory models and providing ERISA fiduciary services for qualified plans.

Darrin Bradley is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His prior work includes roles at Minnesota Life Insurance Co, Securian Financial Services Inc, Allied Wealth Partners, Massachusetts Mutual Life Insurance Company, and Metlife Securities. He is involved with Certainty of Uncertainty, a financial advisory-related LLC. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, delivering written recommendation reports through a centralized consulting team that integrates research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Matthew Speedy is a financial advisor with Equitable Advisors in Toms River, NJ, holding Series 63 and Series 65 credentials and 31 years of industry experience. His career includes roles at Morgan Stanley and Citigroup Global Markets prior to joining Equitable Advisors, where he has worked since 2009. He also operates under the DBA Private Wealth Strategies Group. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm employs a model-based and discretionary investment approach, utilizing both proprietary and third-party solutions without sponsoring its own wrap fee program.

Samuel Marco Gugliemini is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Bank of America and Merrill. He is currently based in Toms River, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and modeling techniques.

Michael Broderick is a financial advisor with Primerica Advisors in Brick, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Financial Services and PFS Investments Inc. since 1993. Outside of investment advisory, he is involved in the sale of loan products, home security and automation services, and other home-related products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm utilizes model-driven investment strategies managed by third-party asset managers and maintains approximately $15.5 billion in assets under management across its nationwide network of advisors.

Richard Rivere is a CFP®-certified financial advisor with 18 years of industry experience. He has worked at J.P. Morgan Securities since 2013 and previously held positions at Boenning & Scattergood, Inc. and UBS Financial Services. Outside of his advisory role, he was involved with the Manalapan Soccer Club for five years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative screening and qualitative research to deliver non-discretionary, customized asset allocation advice and investment manager searches.

Carmen Memoli is a financial advisor at Cetera with 16 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at firms including Avantax Advisory Services and her own accounting firm, Memoli & Company P.C. Memoli is active in her community through multiple treasurer and board member roles in local school districts, political organizations, and public authorities. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, providing advisors with access to affiliated and third-party investment strategies across various program structures.

Jason Abramowitz is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, N.A. and Merrill. Prior to his career in finance, he spent 15 years at Verizon. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm combines research from Wells Fargo Investment Institute and third-party sources, offering brokerage and advisory solutions to support a wide range of client needs.

Brittany Forte is a Series 66-credentialed financial advisor with six years of industry experience. She is currently with LPL Financial in Manchester, NJ, where she has worked since 2021. Her prior experience includes roles at Wells Fargo Clearing, Power Tool Company, and PNC Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutional clients. The firm offers a range of investment options and technology tools, serving over 22,800 advisors and managing more than $819 billion in discretionary assets.