Richard Policastro is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include positions at Wells Fargo Clearing and UBS Financial Services. He has partial ownership in a wealth management firm, Select Advisors Wealth Management LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting net-worth thresholds and integrates advisory services with other financial products and referral channels.

Jeremy Langer is a financial advisor with Equitable Advisors in Marlboro, NJ, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has been with Equitable Advisors or its predecessor, AXA Advisors LLC, since 2009. Equitable Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and various asset management programs, utilizing a network of Investment Adviser Representatives and third-party asset managers.

John Caracappa Jr. is a financial advisor at Raymond James & Associates with 33 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Morgan Stanley Private Bank and Citigroup Global Markets. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Amy Carpenter is a financial advisor at Morgan Stanley in Shrewsbury, NJ, holding a Series 66 designation with 22 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and economic modeling techniques.

Arielle Sherman is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and having eight years of industry experience. She previously worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated before joining Morgan Stanley and its affiliated entities in 2019. Outside of her advisory role, she is a partner in Sherman Real Estate Group, which is involved in investment activities. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee to model financial outcomes.

Daniel Epstein is a ChFC®-designated financial advisor with seven years of industry experience. He is currently with Mass Mutual Investors Services and has prior experience at NYLife Securities and Harvard Business Analytics. Epstein also works as an insurance broker, focusing on life, fixed annuities, disability, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charities, and employers. The firm offers financial planning, asset management, and educational programs using model-driven analyses and structured, collaborative client engagements.

Gabrielle Goldwert is a Financial Advisor with Merrill Lynch Wealth Management, where she collaborates with her parents on The Goldwert Group. She works closely with clients to develop personalized financial strategies that align with their goals and lifestyle, emphasizing trust and long-term relationships. Her approach is grounded in simplifying complex financial concepts to empower clients in their decision-making processes. Gabrielle's areas of expertise include college education planning, family wealth management strategies, personal retirement planning, and portfolio management services. She holds professional designations such as Accredited Wealth Management Advisor (AWMA) and Chartered Retirement Planning Counselor (CRPC). Earlier in her career, she passed the Securities Industry Essentials (SIE) exam, Series 7, Series 66, and insurance exams, and she is licensed as a Broker-Dealer Agent, Investment Advisor Representative, and Insurance Agent. She earned a Bachelor of Business Administration in Finance and Management from the University of Miami. Outside of her professional work, Gabrielle enjoys cooking, hiking, music, pickleball, skiing, spending time with her family, tennis, and traveling.

Travis Cimino is a financial advisor at Merrill with nine years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Compass Private Wealth Group LLC, Santander Securities LLC, Santander Bank, and PNC Bank. Outside of his advisory role, he is employed as a Range Safety Officer at RTSP LLC, a gun range in Randolph, NJ. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Zakkour Chivi is a financial advisor with Ameriprise Financial Services, holding a Series 63 designation and bringing 36 years of industry experience. He has worked at Ameriprise since 2019, following a prior role at Wells Fargo Clearing from 2016 to 2019. Outside of his advisory work, he serves on the Board of Elders at the Virgin Mary Assyrian Orthodox Church in Paramus, NJ, and manages bookkeeping for a personal business. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, with 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.

James Cook is a CFP®-certified financial advisor with Morgan Stanley in Red Bank, NJ, bringing 22 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, providing tailored financial planning through a structured process supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

David Biebelberg is a financial advisor with OSAIC who holds a Series 66 designation and has 24 years of industry experience. Prior to joining OSAIC in 2010, he worked at Merrill from 2002 to 2010. He is also a partner at Elite Wealth Group and involved in the sale of fixed insurance products through other business activities. OSAIC serves a broad mix of retail and institutional clients with a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and model-based portfolio management strategies.

David Klics is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, NA since 2007. He holds Series 63 and Series 65 licenses. 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 advisory process integrates quantitative and qualitative due diligence and may incorporate an ESG eligibility framework.

Robert Imparato Jr. is a CFP® with 33 years of industry experience and has been with Equitable Advisors since 2000. Prior to the rebranding, he worked at AXA Advisors, LLC for 20 years. Outside of his advisory role, he serves as President of Clutch Hitting of Staten Island, Inc. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a range of clients including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a variety of investment models and third-party asset managers to tailor solutions for its clients.

David Manning is a financial advisor at Stifel with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and A.G. Edwards & Sons, Inc. Manning has been with Stifel Nicolaus & Co Inc since 2018. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and planning analyses.

John Olson is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Morgan Stanley and Swan Global Investments. Outside of his advisory role, he owns and operates American Home Watch, a home security and house-sitting service. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, 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 supported by research from Wells Fargo Investment Institute and third-party databases.

Robert Gildea II is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2011. 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 plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

David Nelson Jr. is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2013, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques to help clients develop customized strategies.

Mary Ann Jacobs is a financial advisor with Morgan Stanley in Shrewsbury, NJ. She holds a Series 66 designation and has 26 years of industry experience. Her prior work includes positions at UBS Financial Services and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Olivia Grabowski is a financial advisor at LPL Financial with seven years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2019, previously holding roles at Cetera and Foresters Financial Services. Outside of her advisory role, she was associated with Beta Tau Housing Corp. during 2019 to 2021. 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 financial planning and investment management solutions through a large network of advisors, utilizing both proprietary and third-party strategies.

Craig Lipari is a financial advisor with Morgan Stanley in Red Bank, NJ, holding Series 63 and Series 66 licenses and 20 years of industry experience. He has been with Morgan Stanley since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and advanced modeling tools.