Justin Marrugo is a financial advisor with LPL Enterprise holding the Series 66 designation and currently based in Holmdel, NJ. He began his career with LPL Enterprise in 2025 and has prior experience teaching at Kean University and Union County College. Outside of finance, he has been involved in operating Pompeii Pizzeria since 2021. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, and institutional clients, offering services through both advisory and brokerage channels. The firm provides access to model portfolios, third-party asset managers, and a variety of financial products, supported by an integrated platform that combines advisory programs with insurance and lending solutions.

Genevieve Manderville is a financial advisor at LPL Enterprise with 19 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including J.P. Morgan Securities, Pruco Securities LLC, and The Prudential Insurance Company of America. Outside of her advisory role, she is involved in community and nonprofit activities, serving as Co-Chair/District Leader of the South Orange Democratic Committee, coaching women transitioning from corporate careers through The Pearl Pathway of Wellness, and sitting on the board of Civic Story, a nonprofit focused on sustainability education. LPL Enterprise serves a diverse client base including individuals, retirement plans, charities, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management programs through both advisory and brokerage channels.

Christine Healy is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has worked in the financial services industry since 2000 and joined Merrill in 2004. Christine’s practice focuses on assisting individuals navigating various stages of divorce, offering expertise in financial analysis related to divorce settlements and post-divorce financial planning. She leverages a broad network of specialists within Merrill to help clients explore comprehensive strategies tailored to their unique circumstances. Christine holds multiple professional designations including Certified Divorce Financial Analyst (CDFA), Certified Private Wealth Advisor (CPWA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Her prior experience includes roles on the High Yield Institutional Sales Desk, Institutional Structured Investments Desk, and Portfolio Strategies Desk, where she gained extensive knowledge of investment strategies and products across asset classes. She graduated from Lehigh University with a B.A. in Political Science and a minor in Psychology. Residing in Basking Ridge, New Jersey, Christine lives with her husband, daughter, and two sons. She dedicates time to community involvement as a board member of Ridge Youth Sports Inc. (RYSI) and volunteers through the Creating Better Money Habits program offered by her firm. Christine’s client focus areas include college education planning, family wealth management strategies, managing new wealth, and values-based investing.

Allison Thoms is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Bank for 15 years. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Matthew Chin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. Outside of his advisory role, he serves as an administrator for his father's estate. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach 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.

Stuart Saules is a Financial Advisor with The Carle Group at Merrill Lynch Wealth Management. He works closely with clients to develop personalized, full-service wealth management plans aimed at helping them take control of their financial lives. Stuart embraces a team approach, leveraging the combined experience of his colleagues and the resources of Merrill Lynch and Bank of America to provide comprehensive financial guidance. Stuart’s expertise includes retirement planning, education funding, tax-efficient strategies, and estate planning considerations. His approach centers on understanding clients’ unique goals and priorities—whether personal, familial, or business-related—and creating strategies tailored to those needs. He helps families and businesses build financial confidence for generations by formulating focused, risk-appropriate long-term plans that evolve with changing market conditions and client circumstances. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Western Michigan University. Outside of his professional role, Stuart enjoys boating, fishing, football, golfing, ice hockey, music, pickleball, reading, spending time with his family, and traveling.

Adrian Schwartz is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade before joining Morgan Stanley in 2021. Outside of his advisory role, Adrian is a partner in New Jersey Snow Tours, a recreational business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models to support its financial planning process.

Griffin Kick is a financial advisor at Equitable Advisors with Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Equitable Advisors in 2023, he held positions at New York Life Insurance Company and Legend Biotech, and worked at the University of Delaware from 2019 to 2023. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of financial planning, brokerage, insurance distribution, and third-party asset management services, operating as both an SEC-registered investment adviser and broker-dealer.

Jeffrey Jimenez is an Investment Consultant at Fidelity Investments, where he has been working since 2025. Prior to this role, he served as a Financial Representative at the same firm from 2023 to 2025. In his current position, Jeffrey focuses on empowering clients to make informed financial decisions that align with their individual goals. He emphasizes building strong client relationships and collaborates with clients to design personalized investment strategies. Jeffrey's professional experience centers on providing trusted guidance and tailored financial planning. Outside of his work, he engages in family activities, fitness, social events with friends, movies, and parenthood.

Pietro Ruggeri is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. He has worked at Mass Mutual Investors Services and MassMutual Life Insurance since 2019, and previously held roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Outside of his advisory work, Ruggeri is involved in insurance through Gryphon Assurance and manages Ruggeri Financial Group LLC. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars with a structured approach that includes collaborative planning and use of firm-approved analytical tools.

Daniel Williams is a financial advisor at Equitable Advisors with nine years of industry experience. He holds the ChFC® designation and Series 63 and 66 licenses. His prior work experience includes roles at Uber, Santander Bank and Securities, JPMorgan Chase Bank, and Onyx Enterprises. Outside of his advisory role, he is involved with Pup on the Run LLC, focusing on website management. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, utilizing a dual-registered adviser and broker-dealer model with an emphasis on program sponsorships and non-discretionary assets.

Meghna Shah is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America, N.A. since 2016. She is a co-owner of an outside family investment business in New Jersey. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Douglas Frew is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 14 years of industry experience. He previously worked at UBS Financial Services for eight years before joining LPL Financial. He is also involved in Frew Wealth Management LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management and a variety of model portfolios and research resources.

Thomas Mc Cafferty is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has worked at Merrill since 2011 and concurrently at Bank of America, N.A. since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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 and third-party managers.

Lauren Porter is a financial advisor with Edward Jones in Fair Haven, NJ, holding a Series 66 designation and 18 years of industry experience. She has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Paul Schmidt is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 35 years of experience in financial advising, helping individuals and businesses plan and achieve their financial goals. Paul's expertise spans managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree from Nyack College and has earned the Personal Investment Advisor (PIA) designation. Paul follows a personalized approach to portfolio management, emphasizing availability and support for clients during both challenging and prosperous times. Beyond his professional role, he is involved in coaching the golf teams at McKee Staten Island Technical High School. Paul lives in Staten Island, NY, with his wife Wendy, and they have two daughters working in accounting and finance. His personal interests include antiquing, golfing, and spending time with his family.

Otto Arias Jr. is a financial advisor at Edward Jones with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Edward Jones since 2020. Prior to that, he spent nine years at BNY Mellon Capital Markets and 26 years at The Bank of New York Mellon. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a variety of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices across the United States.

Melissa Dodson is a financial advisor at Morgan Stanley with 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Dodson holds Series 63 and Series 66 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm‑approved tools and market outcome models.

Tracy Nolen is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2012. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning and utilizes structured processes and planning tools to support client outcomes while generally acting in an advisory capacity.

Louis Monaco Jr. is a CFP® professional with 25 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2024, following an 18-year tenure at Royal Alliance Associates and 16 years at Investment Advisors Asset Management, LLC. Monaco serves as a trustee for St. Joseph's Church in Bridge, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and corporations, through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management and incorporating research from multiple sources.