Peter Richardson is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he served on the Perth Amboy Board of Education for nine years and has held other community roles related to local education and sports organizations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and maintains a large nationwide network of financial advisors and branch offices.

Jennifer Engelhardt is a financial advisor with Wells Fargo Advisors in Red Bank, NJ, holding Series 63 and Series 66 credentials and 21 years of industry experience. She has been with Wells Fargo Advisors and its affiliated entities since 2011. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services that include cash-flow, retirement, education, risk, and wealth-transfer planning, along with specialized services such as business-owner transition and special-needs analysis. The firm uses its own research and planning tools to develop tailored recommendations, which clients may implement through various brokerage or advisory programs.

Daniel Knipe is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2015, following prior roles at Barclays Capital Inc. and Lehman Brothers. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and market outcome modeling in its financial planning process.

Ronnie Guidone is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. He has been working in the financial services industry since 2004, providing clients with comprehensive wealth management strategies tailored to their individual needs. Ronnie emphasizes a client-centered approach, focusing on listening and facilitating informed decision-making to help clients achieve their financial and legacy goals. With over 15 years of experience, Ronnie specializes in areas including family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ronnie earned a Bachelor's Degree from Monmouth University and is a member of the American Football Coaches Association. Residing in Millstone Township, NJ, Ronnie lives with his wife, Lisa, and son, Giovanni. Outside of work, he enjoys baseball, boxing, football, and yoga. His professional philosophy centers on understanding clients’ values and goals through personalized communication to deliver tailored financial strategies.

Jeffrey Ternyila is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith, Inc. for 15 years. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.

Louis Obsuth is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. He has been with Fidelity since 2010, progressing through roles including Financial Consultant, Investment Representative, and Financial Representative. Louis focuses on developing financial plans that aim to benefit his clients and their families both now and in the future. Throughout his career at Fidelity, Louis has built strong relationships with his clients and is committed to partnering with them to achieve their financial goals. His professional experience is centered on financial consulting and investment representation. Outside of his professional work, Louis has personal interests that include beach activities, family activities, parenthood, soccer, and volunteering.

Harry Padden IV is a financial advisor at UBS Financial Services with the Series 66 designation and less than one year of industry experience. His prior roles include work at Appenzeller Training Systems and teaching positions at Monmouth University and AP Schalick High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Richard Fitzsimmons is a financial advisor with Merrill in Manasquan, NJ, holding a Series 66 designation and 11 years of industry experience. He has worked at both Merrill and Bank of America, N.A. since 2014 and 2015 respectively. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Daniel Fantozzi is a financial advisor at Cetera with Series 63 and Series 65 licenses and four years of industry experience. He is also involved with Brendon Pierson, Inc., a financial planning and CPA firm that provides financial advice and accounting services. Fantozzi’s work history includes positions at Avantax Advisory Services, The Vanguard Group, and multiple educational institutions. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, corporate, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

Danielle Libraty is a financial advisor at UBS Financial Services with three years of industry experience. She holds a Series 66 designation and previously worked at Medical Billing Associates before joining UBS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment plans to clients’ goals and risk tolerances.

Timothy Grable Jr. is a financial advisor with LPL Financial in Spring Lake, NJ, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. His prior roles include positions at Park Avenue Securities and Guardian Life Insurance, each spanning a decade. Outside of his advisory work, he is a business owner of TFGHOCKEY LLC and serves as a FINRA arbitrator. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs supported by research, model portfolios, and advanced technologies across both discretionary and non-discretionary management styles.

Kenneth Roberts is a CFP® with 37 years of industry experience, currently affiliated with LPL Financial since 2024. He previously worked at Wells Fargo Advisors from 2016 to 2024. Roberts also operates the Roberts Financial Group, a business entity used for tax and investment purposes. LPL Financial serves a diverse client base, including individuals, retirement plans, banks, corporations, and charitable organizations, offering a range of financial planning, advisory programs, and brokerage services delivered through a large national network of investment adviser representatives.

Arthur Paulin is a financial advisor at Merrill with the Series 66 designation and 21 years of industry experience. He has been with Merrill since 2004. 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, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Erin Zawisza is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Prior to joining Wells Fargo in 2022, she worked for Bank of America/Merrill Lynch for 11 years. She serves as treasurer for the Crimson Knights Foundation and is a board member of the Killington Grand Hotel Home Owners Association. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s investment approach is IPS-driven and incorporates a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Michele Hirsch is a Planning Consultant at Fidelity Investments, where she works with clients and their families to develop customized financial plans that address their unique needs, goals, and objectives. She joined Fidelity Investments in 2021 and has held several roles including Senior Representative, Relationship Manager, and currently Planning Consultant. Prior to joining Fidelity Investments, Michele held positions at Credit Suisse as Director and Vice President in Private Banking from 2000 to 2016. Earlier in her career, she was an Assistant Vice President in the Investment Services Group at Donaldson, Lufkin & Jenrette from 1993 to 2000. Her experience spans private banking, investment services, and client relationship management, providing a foundation for her current role in financial planning.

Matthew Catania is a financial advisor with MassMutual Investors Services, holding a Series 66 designation and six years of industry experience. He has worked at MML Investors Services LLC since 2017 and has been affiliated with MassMutual Life Insurance Company since 2016. Outside of his advisory role, he maintains an active insurance agent position and owns an LLC established for consulting income. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual financial planning engagements utilizing firm-approved software and educates clients through seminars, with additional services including divorce planning and estate-settlement programs.

Faissal Yousef is a financial advisor with UBS Financial Services in Red Bank, NJ, holding a Series 66 license and 20 years of industry experience. He previously worked at Merrill Lynch for 10 years before joining UBS in 2017. Outside of his advisory role, he is the proprietor of several real estate ownership entities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor investment strategies.

Jason Thieme is the Vice President and Branch Leader at Fidelity Investments, a role he has held since 2026. Prior to this position, he served as a Branch Leader at Fidelity Investments from 2022 to 2026. In his leadership capacity, Jason is committed to helping associates maximize their potential by following a structured framework for success. Outside of his professional responsibilities, he has interests that include the beach, cars, fitness, pets, reading, and volunteering.

Henry Pozo is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2012, with prior roles at New Horizon Legacy Group LLC and JPMorgan Chase Bank, N.A. Pozo was also involved with Envios Sin Fronteras from 2008 to 2020. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Nicholas Condit is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to design financial strategies that emphasize durability and adaptability over time. His approach focuses on helping clients understand the interaction between investments, cash flow, and risk exposure, aiming to support sound decision-making as market conditions and life circumstances change. Nicholas's expertise includes college education planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, special needs planning strategies, women and wealth, and sports & entertainment. He provides ongoing guidance and disciplined review to help clients stay aligned with their long-term goals and navigate periods of stress with confidence. He holds a Bachelor's Degree from Syracuse University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, Nicholas is involved with the Leukemia and Lymphoma Society and has personal interests in football, golfing, music, reading, skiing, spending time with family, swimming, traveling, and watching movies.