Joseph Moliterno is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 credential and 13 years of industry experience. He has been with Equitable Advisors since 2013, including the period when it operated as Axa Advisors LLC. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and a mix of proprietary and third-party advisory programs to deliver its services.

Ruslan Nesevich is a financial advisor at Cetera with 26 years of industry experience. He holds Series 63, 65, and 66 licenses. Prior to joining Cetera, he worked at Commonwealth Financial Network, UBS Financial Services, and Resource America, Inc. Nesevich also owns and operates an estate planning law firm, Nesevich Law, LLC, and serves as director of estate planning for King Financial Network. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party money managers.

Attilio Guarino Jr. is a financial advisor at Equitable Advisors with Series 66 credentials and approximately one year of industry experience. His prior roles include working at IBEX Wealth Management and serving at the College of Staten Island. Outside of finance, he has been involved with Ava's Kitchen and Bar for over a decade. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm employs various advisory models and offers ERISA fiduciary services, delivering both proprietary and third-party investment solutions.

Kenneth Turner is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 28 years of industry experience, having worked at Mass Mutual Investors Services since 2017 and previously with Walnut Street Securities, New England Securities, Metlife Securities, and Metropolitan Life Insurance Company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and investment management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative financial planning using firm-approved tools and delivers recommendations without investment discretion, supporting implementation through separate brokerage or insurance arrangements.

Jonathan Ranieri is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2010 and Bank of America, N.A. since 2012. Outside of his advisory role, he maintains an active real estate sales license related to his family's brokerage in New Jersey. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Trevor Sahol is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and one year of industry experience. Prior to joining Wells Fargo, he was associated with LPL Enterprise and Morgan Stanley. Outside of his advisory role, he is involved in a non-variable insurance business. Wells Fargo Advisors is a national securities firm that serves individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 financial advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Michelle Miranda is a Financial Advisor affiliated with Merrill Lynch Wealth Management. She specializes in personalized wealth management strategies aimed at helping families, business owners, and executives build, preserve, and transition wealth. Michelle focuses on providing clarity and guidance to enable her clients to make confident financial decisions aligned with their individual goals. Her expertise includes college education planning, executive compensation, family wealth management strategies, institutional investment consulting, as well as services for endowments, foundations, and non-profits. She also addresses legacy planning, managing new wealth, personal retirement planning, tax minimization, and supports clients through various life stages with tax-aware financial strategies. Michelle holds a Bachelor's Degree from Rutgers and the Personal Investment Advisor (PIA) designation. In her personal time, she enjoys activities such as biking, bowling, camping, dancing, gardening, golfing, hiking, pickleball, traveling, and yoga.

Tino Salaris is a financial advisor with Charles Schwab in Red Bank, NJ, holding Series 63 and Series 66 designations and 11 years of industry experience. His career includes roles at Merrill, Bank of America, TD Ameritrade, and Schwab firms. 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 combines non-discretionary client relationships with access to affiliated discretionary separately managed accounts, utilizing multi-asset model portfolios and centralized operational support.

Nicholas Chopey is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and 39 years of industry experience. He has been with Equitable Advisors since 2018 and previously worked at AXA Advisors LLC. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations by offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm’s approach involves assessing client risk tolerance and matching clients to program models or discretionary managers, utilizing both proprietary and third-party solutions.

Joseph Mandile is a financial advisor at Ameriprise with 38 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to his current role, he worked at Ameriprise Financial Services, Inc. for 31 years. Outside of advising, he is involved in a business ownership role related to office lease and management. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm delivers non-discretionary, research-driven recommendations that integrate tax-efficient withdrawal strategies and Social Security options, supported by algorithmic tools and oversight committees.

Frank Gargano is a financial advisor with Cetera, holding the ChFC® designation as well as Series 63 and Series 65 licenses, and has 34 years of industry experience. He has been affiliated with Cetera and Cetera Wealth Services, LLC since 2013. Outside of his advisory role, he is an insurance agent offering fixed life, health, disability, annuities, and long-term care products, and he is involved in life settlements through Welcome Funds, Inc. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with over 10,000 advisors nationwide.

Robert Jaffe is a financial advisor at OSAIC with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Royal Alliance for 15 years and RBC Capital Markets for 9 years. Outside of his advisory role, he is involved in fixed insurance sales through two LLCs. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach that emphasizes model-based asset allocation, portfolio optimization, and the use of multiple management strategies and platforms.

John Ulrich is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm focuses on tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and analytics.

Manish Kakkar is a financial advisor with Equitable Advisors in East Brunswick, NJ, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he is involved in United Healthcare’s dental and health insurance business. Equitable Advisors serves a broad client base, including individuals across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs, utilizing a range of third-party advisory platforms and proprietary funds.

Nicholas Thierry is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities, he worked at Merrill Lynch for five years. He has had diverse employment history including roles outside finance such as with Flexwork Sports. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm's process includes centralized due diligence combining quantitative and qualitative research, and it maintains broader derivatives and commodities capabilities compared to many institutional advisory programs.

Michael Emerson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has been with LPL Financial since 2013 and has worked as an Independent Sales Agent since 1999. His other business activities include acting as a non-variable insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes and investment approaches.

Douglas Niosi is a financial advisor at Osaic Wealth with 26 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Royal Alliance Associates and John Hancock Financial Services. Outside of his advisory role, he serves as a referee for youth travel soccer games. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with tools like risk-tolerance questionnaires and portfolio optimization, offering a variety of advisory and brokerage services through a large multi-advisor platform.

Maureen Mcgreevy is a financial advisor at LPL Financial with eight years of industry experience. She holds the Series 63 and Series 65 designations and has worked previously at CUNA Mutual Group, CUNA Brokerage Services, Inc., and United Teltech Financial Federal Credit Union. Mcgreevy is also a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives using various model portfolios and customized strategies.

Peter Piccinini is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He worked at Stifel for 10 years before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with account management conducted primarily by its investment adviser representatives using various strategies and tools.

Charles Tepper is a financial advisor at RBC Capital Markets with 28 years of industry experience. He has held his current position since 2011 and holds Series 63 and Series 65 licenses. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, employing a mix of in-house and third-party investment managers tailored to each client’s risk profile.