Rashid Ramiz is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has worked at Cetera since 2025 and previously held roles at King Financial Network, Commonwealth Financial Network, and Ameriprise Financial Services Inc. Ramiz also serves as Director of Retirement Planning at King Financial Network. Cetera Investment Advisers LLC is an SEC-registered advisor that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures and affiliations, managing over $256 billion in assets.

Ruslan Nesevich is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and 26 years of industry experience. He has worked with Commonwealth Financial Network and Resource America, Inc., and operates an estate planning law firm, Nesevich Law, LLC, where he serves as owner. He also holds a director role at King Financial Network, focusing on estate planning services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base including individual investors, retirement plans, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

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.

Jacob Eisikovic is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 12 years of industry experience. He is also a partner at Eisikovic & Kane, LLP, providing accounting, bookkeeping, tax preparation, and payroll services. Eisikovic has worked at Avantax Advisory Services and Avantax Investment Services, among other roles. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services, utilizing a multi-manager platform with discretionary and non-discretionary strategies across multiple program structures.

Trevor Sahol is a financial advisor with Wells Fargo Clearing in Red Bank, NJ. He holds a Series 66 designation and has recent experience with LPL Enterprise and Morgan Stanley. Outside of his advisory roles, he has been involved in a non-variable insurance business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Michelle Miranda is a Financial Advisor with Merrill Lynch Wealth Management. She works with clients to develop personalized wealth management strategies that align with their financial goals and adapt to changing market conditions. Michelle leverages the combined resources of Merrill and Bank of America to provide clients with investment insights, banking convenience, and lending solutions. Her approach integrates long-term wealth strategy, disciplined investment management, risk mitigation, and tax-efficient planning. Michelle assists clients in building, protecting, and sustaining wealth, navigating financial considerations such as divorce, and supporting business owners with strategic planning for growth and financial independence. She is committed to simplifying financial complexity and helping clients navigate life transitions with clarity and confidence. Michelle holds a Bachelor's Degree from Rutgers and has earned the Personal Investment Advisor (PIA) designation. Outside of her professional role, 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.

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 with OSAIC, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has been affiliated with Royal Alliance since 2011. Jaffe is also involved in fixed insurance sales through two LLCs in New Jersey and California. OSAIC serves a diverse range of retail and institutional clients, providing integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs advanced asset-allocation tools and offers a variety of portfolio management options, including access to third‑party money managers and unified managed accounts.

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.

Thomas Ley is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked within various Wells Fargo entities since 2012. Outside of his advisory role, he is a co-trustee of the UW Frances M Ley Testamentary Trust and holds a 90% ownership stake in Manage Money Ley GP, LLC, a merchant partnership. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients’ needs, utilizing proprietary research and tools, with optional implementation through brokerage or advisory programs.

Kevin Holt is a financial advisor with Morgan Stanley who holds Series 63 and Series 66 licenses and has 23 years of industry experience. He previously worked at Bank of America and Merrill before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning that utilizes structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Danielle Magrini is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2007. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Michael Emerson is a financial advisor with LPL Financial who holds Series 63 and Series 65 designations and has 29 years of industry experience. He has worked as an independent sales agent since 1999 and has been with LPL Financial since 2013. His other business activities include serving as a non-variable insurance agent with a focus on long-term care. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Douglas Niosi is a financial advisor at OSAIC with 25 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Royal Alliance Associates, Inc. and John Hancock Financial Services, Inc. Outside of his advisory role, he officiates youth travel soccer games as a referee. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment options and utilizes firm-supported tools such as asset-allocation models and automated rebalancing to construct portfolios.

Maureen Mcgreevy is a financial advisor with LPL Financial in Freehold, NJ, holding Series 63 and Series 65 licenses and eight years of industry experience. Her prior roles include positions at CUNA Mutual Group, CUNA Brokerage Services, Inc., and United Teltech Financial Federal Credit Union. She is also involved with the Ridgedale Wealth Team, an affiliated LPL business entity. 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 and model portfolios, combining discretionary and non-discretionary management approaches.

Peter Piccinini is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Stifel for 10 years before joining LPL Financial in 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Thomas Cummings is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. He has been associated with Cetera and its affiliated entities since 2015 and also operates Cummings Wealth Management, LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with a variety of program options.