Kathy Whitacre is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. Her prior roles include positions at Merrill and Bank of America. She serves as a board member of KidsGive NJ, a nonprofit focused on children and youth in New Jersey. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, incorporating tailored financial planning supported by structured discovery processes and firm-approved tools.

John Vogelzang is a Series 66-licensed financial advisor with nine years of industry experience. He is currently with Cambridge Investment Research Advisors and previously held roles at firms including Advisory Services Network, Purshe Kaplan Sterling Investments, Charles Schwab, and Smallwood Wealth Investment Management. Vogelzang is also involved as an independent insurance agent and provides technical services as a contractor. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a network of independent professionals. The firm employs various investment platforms and strategies, including proprietary models and third-party managers, with both discretionary and non-discretionary portfolio options.

Robert Starosciak is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and has 36 years of industry experience. He has worked with Morgan Stanley since 2009 and with its Private Bank division since 2015. Outside of his advisory role, he is an author and has published a book. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools along with broad retail and institutional offerings.

Steven Kochenour is a financial advisor at Ameriprise with 23 years of industry experience. He holds the Series 66 designation and has been with Ameriprise Financial Services since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving 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 income sources and tax-aware withdrawal strategies.

James Trautwein is a financial advisor at Equitable Advisors with 35 years of industry experience. He has held his current role since 2004 and previously worked at Axa Advisors, LLC for 16 years. He holds Series 63 and Series 65 licenses. 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 uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Armando Patino is a financial advisor at LPL Enterprise with four years of industry experience. He holds a Series 66 designation and has previous experience with Prudential Insurance Company of America, Pruco Securities, LLC, and Liberty Mutual. Outside of his advisory role, he is involved with Be Well Financial LLC, which offers financial planning and health insurance services. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, advisory services, and access to model portfolios and third-party asset management, combining adviser programs with brokerage and insurance products on an integrated platform.

Alex Feudi is a financial advisor at Merrill with 15 years of industry experience. He has been with Merrill since 2016 and holds a Series 66 designation. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher King is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2010. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Steven Fuerbacher is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior roles include positions at Santander Securities, LLC and Santander Bank, NA, where he worked for a combined 14 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, with offerings that include discretionary and non-discretionary management, model portfolios, and advanced technologies such as machine learning.

Christopher Murphy is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2016 and 2017, respectively. 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 supported by internal Chief Investment Office teams and third-party managers for individuals, high-net-worth clients, and institutional investors.

David Palladino is a financial advisor at Stifel with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America and Merrill Lynch Pierce Fenner & Smith Inc. since 2003. Stifel serves a wide range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services with an investment approach based on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Michael Studer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 27 years of industry experience. He has been with Wells Fargo in various capacities since 2013. Outside of his advisory work, he is involved with the United States Amateur Baseball League in Point Pleasant, NJ. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Perry Weyser is a CFP®-certified financial advisor with 27 years of industry experience, currently practicing at Cetera. He previously spent significant time at Avantax Investment Services, Inc., and Avantax Insurance Agency, LLC. Outside of advising, he is a partner at Goode & Weyser, CPA, LLC, where he prepares individual and business tax returns, and serves as a referral partner for Merchant Advocate, helping small business clients review credit card processing expenses. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that incorporates affiliated and third-party managers across multiple program structures.

Curtis Mullins is a financial advisor at Osaic with 23 years of industry experience. He holds the Series 66 designation and spent 11 years with Edward Jones prior to joining Osaic in 2024. Outside of his advisory work, Mullins serves as the secretary for the Rotary Club of Old Bridge Sayreville, a nonprofit organization supporting local communities. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Matias Tabarne Labajos is a financial advisor at Equitable Advisors with the Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held various roles outside the financial industry, including positions at Dealer Loyalty Protection Inc, Orkin Pest Control, and Millers Ale House. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, often working through program sponsors and third-party managers to deliver advisory and brokerage solutions.

Nicholas Sergio is a financial advisor with Raymond James Financial in Red Bank, NJ, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He has worked at Raymond James Financial since 2001 and is the owner of Banyan Wealth and Saddle River Holdings Group 2, both support companies. He also serves as acting trustee for the Sergio Trust. 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, pension plans, corporations, and institutional clients. The firm employs non-discretionary planning and consulting tailored to client goals, supported by risk profiling and analytical tools, and maintains a distinctive municipal advisory affiliation.

Courtney Schiavo is a Series 66–licensed financial advisor with 13 years of industry experience. She has worked at Osaic since 2025 and previously spent 12 years at Lincoln Financial Advisors. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers, using various tools and strategies including asset-allocation models, risk-tolerance assessments, and automated portfolio rebalancing.

Patricia Trotta is a financial advisor at Ameriprise with 16 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Prudential Insurance Company of America and LPL Enterprise. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, delivering tailored recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Katherine Dobin is a financial advisor at LPL Enterprise with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Ameriprise, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wachovia Bank, N.A. Outside of her advisory role, she owns Bayshore Barks Pet Grooming LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products.

Sunit Patel is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. He has worked with PFS Investments Inc. since 2006 and Primerica Financial Services since 2005. Outside of his advisory role, he is a CPA and partner at Yamini Accounting & Tax Service, providing bookkeeping and tax preparation services. Primerica Advisors is a large institutional firm that offers a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies from unaffiliated asset managers and provides advisory services through a network of nearly 3,700 financial advisors.