Richard Callaghan Jr. is a CFP® with 31 years of industry experience currently serving at Equitable Advisors. His prior roles include positions at LPL Financial, Capitol Securities Management, and several other advisory firms. He serves as a trustee for the Brotherhood Protective Order of Elks Summit Lodge No. 1246, a charitable and fraternal organization. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party asset managers to deliver its services through a large network of Investment Adviser Representatives.

Anthony Mignone is a financial advisor at Equitable Advisors with 25 years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2001, including its predecessor Axa Advisors. Outside of his advisory role, he is involved with the Ashar Group, a life settlement business. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management through various programs and third-party managers, with a focus on tailored investment solutions across mutual funds, ETFs, separately managed accounts, and select alternative investments.

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.

William Cashel is a financial advisor with Wells Fargo Clearing in Red Bank, NJ, holding a Series 66 designation and 13 years of industry experience. He previously worked at Bank of America, N.A. for five years before joining Wells Fargo in 2018. Cashel also serves as power of attorney for his parents in Trenton, NJ. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Anthony Caltabilota Jr. is a CFP®-designated financial advisor with 29 years of industry experience. He has been with Osaic Wealth, Inc. since 2003 and previously worked at New Century Financial Group, LLC and Avantax Advisory Services. Outside of his advisory role, he is an Enrolled Agent licensed to practice before the IRS and owns a tax preparation and tax advice business. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach features model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Ted Sui is a financial advisor at Equitable Advisors with a Series 66 designation and approximately one year of industry experience. His prior work includes roles at Unipec America, Inc. and TF Seals, as well as studies at New York University. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs through a nationwide network of Investment Adviser Representatives. The firm uses a range of third-party advisory programs and discretionary management tools, offering services across mutual funds, ETFs, separately managed accounts, and select alternative investments.

David Cash Alston is a financial advisor at Edward Jones with six years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Bank of America/Merrill Lynch and LPL Enterprise. Outside of his advisory role, he serves as deputy treasurer for Sage Well Compliance. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of wealth levels and organizations. The firm manages over $1 trillion in assets and offers various advisory programs, discretionary and non-discretionary strategies, separately managed accounts, and affiliated investment products through a nationwide network of advisors.

Steven Kaiman is a financial advisor with UBS Financial Services in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He joined UBS in 2017 after a year at Amherst Pierpont Securities LLC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Michael Reszkowski is a financial advisor with Morgan Stanley in Red Bank, NJ, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Merrill Lynch and Janney Montgomery Scott, as well as positions in the hospitality industry. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates firm-approved tools and market-based return estimates, emphasizing advisory services without providing individual security recommendations in standalone plans.

Ethan Stewart is a CFP®-certified financial advisor with four years of industry experience, currently with Charles Schwab & Co., Inc. He previously worked at Merrill and has held roles in both academic and entrepreneurial settings, including at Rowan University and as part of Sandscapes LLC. 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 offers a mix of non-discretionary and discretionary investment guidance, using multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Michael Licitra is a CFP® with 21 years of industry experience, currently serving at Cetera Wealth Services, LLC. He has a background in tax preparation and accounting as president of Michael S Licitra CPA PC since 2008 and has experience in insurance sales and health insurance brokerage. Licitra has held roles at Avantax Advisory Services and Fixed Life Sales, among others. Cetera Investment Advisers LLC is a large SEC-registered firm supporting over 10,000 advisors and serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers.

Cathi Rosky serves as a Senior Financial Advisor. The available information provides details about Brian, including his career history, education, and expertise, but does not include specific background or experience related to Cathi Rosky. No personal interests, education, or credentials are provided for Cathi. As such, no further details can be included about Cathi Rosky beyond her current job title.

Jasmine Muhammad is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds the Series 66 designation and has previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Merrill, Bank of America Corporation, Morgan Stanley, Crown Plaza, and Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

James Gryta is a financial professional with 12 years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and has worked at several firms including Koyote Capital and Hudson Wealth Management, where he continues his role. Gryta also operates under Hudson Wealth Management as a financial professional. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to model portfolios, third-party managers, and customized strategies.

Mark Reddington is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 license, with 44 years of industry experience. He previously worked at MetLife Securities Inc. and Metropolitan Life Insurance Company for 15 years. Outside of his advisory role, he is involved in individual life and health insurance sales. MassMutual Investors Services provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved software and a collaborative planning approach.

Nicholas DeFilippis is a Financial Consultant currently working at Fidelity Investments since 2018. In this role, he partners with clients to understand their unique goals and investment objectives, aiming to protect assets, generate income, and facilitate wealth growth and transfer for future generations. His approach involves creating disciplined financial plans to help clients feel confident about their financial futures. Prior to his current position, Nicholas accumulated experience as a Financial Advisor at UBS Financial Services from 2014 to 2018 and at Merrill Lynch from 2011 to 2014. He began his career as a Financial Representative at Guardian Life Insurance in 2009.

James Cady is a financial advisor at Raymond James Financial with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at firms including J Alden Associates, Alden Investment Group, 1792 Wealth Advisors, Cantella & Co., and Oppenheimer. In addition to his advisory work, he owns 1792 Wealth Advisors, a DBA support company based in Red Bank, NJ. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting with tools such as risk profiling and probability modeling, and supports clients through various advisory programs and institutional consulting services.

Thomas Lord is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 20 years of industry experience. His prior work includes positions at Wells Fargo, Fidelity Brokerage Services, and AAA Mid-Atlantic. He is also active as an investment advisory representative at Rockdale Financial Services, where he performs administrative duties. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with access to various portfolio management strategies, including discretionary and non-discretionary services, leveraging affiliated and third-party managers across multiple program structures.

Jason Fern is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and 31 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research, analytics, and diversification principles to support its investment approach.

Naftali Yusufov is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and four years of industry experience. He has worked at J.P. Morgan Securities since 2021 and concurrently at JPMorgan Chase Bank, N.A. since 2019. His earlier experience includes roles in marketing and community service. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG considerations, supported by affiliates offering implementation and portfolio services.