Michael Sobieski is a financial advisor at Fidelity with 25 years of industry experience. He holds Series 63 and Series 66 designations. Sobieski has worked at Strategic Advisers, Inc. since 2003 and is also affiliated with Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including managing portfolios through a combination of fundamental research, quantitative analysis, and algorithmic construction. The firm serves a variety of clients, including registered investment companies and charitable funds, and employs systematic methodologies alongside oversight of sub-advisers and share class evaluations.

Daniel Bavuso III is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and over 32 years of industry experience. His career includes long tenures at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He is also involved in private investment ventures through his ownership interests in Hamilton Capital Advisors, LLC and Bavuso GP, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and financial planning services tailored to clients who meet specific net-worth thresholds. The firm provides a broad range of planning services and integrates advisory recommendations with various financial product offerings.

Danielle Veloso is a financial advisor with LPL Enterprise and holds a Series 66 designation. She has seven years of industry experience, including five years at Pruco Securities, LLC, and currently manages The Garback Agency, which handles payroll, bookkeeping, and vendor management. LPL Enterprise, LLC provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Jeffrey Ball is a financial advisor with RBC Capital Markets in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs, providing portfolio management, financial planning, custody, and brokerage services tailored to each client’s Advisory Risk Profile.

Ashley Gunther is a financial advisor at LPL Enterprise with Series 66 credentials and two years of industry experience. Prior to joining LPL Enterprise in 2025, Gunther worked at Truist Advisory Services Inc., Truist Investment Services Inc., Truist Bank, BB&T Bank, and PNC Bank. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Ronnie Critelli is a Series 66-credentialed financial advisor with 24 years of industry experience. He is currently with Wells Fargo Advisors in Red Bank, NJ, having previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his financial career, he serves as a soccer referee in Old Bridge, NJ. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and develops tailored recommendations using proprietary research and tools, delivering these through meetings and written client summaries.

Michael Minnella is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in guiding first-generation wealth creators, entrepreneurs, and families through financial complexities, with a focus on areas such as divorce transition planning, executive compensation, family wealth management strategies, and personal retirement planning. Michael holds the Chartered Financial Consultant (ChFC) designation and has completed an Accredited Certificate Program from the American College. His expertise includes managing concentrated stock positions, addressing significant life transition events like retirement and inheritance, and collaborating with clients' legal and accounting advisors on estate planning issues. Residing in Howell, NJ, Michael is involved in his community as a baseball, soccer, and softball coach. Outside of his professional duties, he values family time, engaging in activities such as traveling, endurance sports, and volunteering, which inform his approach to wealth management focused on long-term planning and purpose-driven financial strategies.

Kenneth Shine is a financial advisor with Ameriprise, holding a Series 63 designation and 35 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering written recommendations that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to support its clients and emphasizes the use of Ameriprise-managed accounts within its advisory approach.

Waltraud Grande is a CFP® with 44 years of experience in the financial services industry. She is currently with Raymond James Financial Services Advisors, Inc., where she has worked since 2021. Her prior experience includes roles at Cetera Advisor Networks, Summit Financial Group, Wells Fargo Advisors, and operating Grande Financial Services, Inc. for over three decades. Grande is a part owner of Grande Financial Services, Inc. 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 nonprofits. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work, distinguishing it within the institutional advisor category.

Kseniia Kairelshtein is a financial advisor at Raymond James & Associates with nine years of industry experience. She holds a Series 66 designation and has worked previously at Morgan Stanley and Citibank N.A. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing tailored financial planning and consulting services through various portfolio management styles and affiliated research.

James Maltese serves as an International Wealth Advisor at Merrill Lynch Wealth Management, where he has spent his entire financial services career since joining the firm in 1989. Leading The Maltese Group, he provides a full range of wealth management services to corporate executives and their families, including expertise in corporate benefit programs such as equity compensation and non-qualified deferred compensation. He is a qualified Portfolio Manager and offers discretionary management through Personalized or Defined Strategies that may incorporate various investment options. James and his team focus on supporting corporate executives, business owners, and those transitioning into retirement by delivering customized financial strategies and insights. Their advisory services cover areas including executive compensation, retirement planning, legacy planning, tax minimization, liquidity management, investment management, and trust and estate planning. He earned his bachelor's degree in marketing from Villanova University and holds the Chartered Retirement Planning Counselor™ (CRPC™) designation. Throughout his career, James has received multiple recognitions, including repeated inclusion in Barron's Top 1,200 Financial Advisors and the Financial Times 400 Top Advisors. Outside of work, he volunteers for MIPH (Making it Possible to End Homelessness) and enjoys coaching, playing acoustic guitar, and cooking.

Jeffrey Langer is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. 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 various asset-management programs delivered through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory solutions.

Kennedy Crossan is a CFP® professional with 25 years of industry experience, currently affiliated with OSAIC in Red Bank, NJ. He has worked at Royal Alliance since 2011 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he owns TFP Partners, LLC, which manages vendor contracts, and is a partner at Prime Wealth Partners, a firm that sells and services fixed insurance products including long-term care, disability, life, and health insurance. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a robust selection of portfolio management tools and access to third-party money managers.

Armando Krusell is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. Prior to joining LPL Enterprise, he worked at TD Bank N.A. and Dicks Sporting Goods and was a full-time student for eight years. He is also involved in a non-variable insurance business in Hopelawn, NJ. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Andrew Pasquarelli is a financial advisor at Equitable Advisors with a Series 66 designation and less than one year of industry experience. Prior to joining Equitable Advisors, he held various roles including employment at Burlington Stores and Ryan's Pub Manayunk. Equitable Advisors serves a broad range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and diverse asset-management programs through a network of Investment Adviser Representatives. The firm relies on third-party sponsors and endorsed advisory programs to deliver investment solutions.

Justin Tansey is a financial advisor at Primerica Advisors with four years of industry experience. He holds Series 65 and Series 63 licenses and has worked in various financial services roles, including operating Tansey Financial Services & Insurance Agency, LLC. He also has involvement in sales of home-related services through Primerica affiliates. Primerica Advisors is a large firm managing approximately $15.5 billion in assets, primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program that relies on model-driven strategies and incorporates discretionary separately managed accounts, supported by custodial and trade execution services.

Ryan Aiello is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked within various Wells Fargo entities since 2013, including Wells Fargo Advisors and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory services supported by research from Wells Fargo Investment Institute and third-party sources.

Ronald Crudo Jr. is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked with firms including LPL Financial, AXA Advisors, and Calamos Financial Services. He is also an insurance agent involved in the sale of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting diverse investment strategies under various program structures.

Richard Cardinali is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 27 years of industry experience and 25 years dedicated to wealth and retirement planning. Since joining Bank of America in 1998 and transitioning to Merrill in 2008 with his team, he has focused on helping clients implement strategies centered on asset and lifestyle preservation, trust and estate planning, tax minimization, and the efficient transfer of assets. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, socially responsible investing, and retirement income planning. Richard holds a Bachelor’s degree from Bucknell University and is a Certified Plan Fiduciary Advisor (CPFA®), a Personal Investment Advisor (PIA), and a Retirement Accredited Financial Advisor (RAFA). He emphasizes a client-first approach to wealth and retirement planning, aiming to support clients in achieving a work-optional lifestyle through customized financial strategies that adapt as their lives evolve. A native of New York City, Richard resides in New Jersey with his three children. Outside his professional activities, he enjoys biking, cooking, football, music, reading, and spending time with his family.

Daniel Rothman is a financial advisor at UBS Financial Services with six years of industry experience. He holds a Series 66 designation and has been with UBS since 2018. Prior to his current role, his work history includes positions at Compassion First Pet Hospitals and American Income Life. UBS Financial Services serves individual, corporate, and institutional clients offering a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based asset allocation tailored to client goals and risk tolerances.