Marc Morgan is the sole advisor at Heroic Financial LLC with a Series 65 credential and three years of industry experience. He has served as a public safety officer for Evesham Township since 2008 and is a trustee of the Police and Firemen's Retirement System of New Jersey since 2019. Heroic Financial LLC provides retirement-plan advisory services to qualified ERISA plans and offers financial planning and consulting on an hourly basis to individuals, pension and profit-sharing plans, and business entities. The firm typically acts as a limited-scope ERISA 3(21) fiduciary and is noted for combining pension consulting, public seminars, and an explicit hourly-fee model.

Mary Coughlin is the sole advisor at Barnegat Bay Capital Management LLC and holds a Series 63 designation with 21 years of industry experience. She has been with Barnegat Bay Capital Management since 1998. Barnegat Bay Capital Management provides investment supervisory services, occasional financial planning, and one-time portfolio reviews to a range of clients including individuals, trusts, and charitable organizations. The firm combines a single-manager structure with an institutional investment background and uses fundamental, charting, and cyclical analysis to tailor portfolios according to client goals and risk tolerance.

Sarah Elia is a financial advisor at The Wealth Boutique with a Series 65 designation and seven years of industry experience across multiple firms, including Bank of America and Crosby Private Wealth Advisors. Her background also includes roles outside of finance, such as working in education with the Pinelands Regional School District and in the hospitality sector. The Wealth Boutique provides financial planning and discretionary portfolio management to individuals, high-net-worth and multi-generational clients, trusts, and some institutions. The firm employs a financial-planning-led, holistic approach that integrates fundamental and technical analysis, offering tiered planning packages and access to private funds for qualified investors.

Kurt Lawn is a financial advisor with IP Financial Advisory Services LLC, holding the PFS™ and Series 63 credentials and bringing 27 years of industry experience. He previously worked at Avantax Investment Services, Inc. for eight years and has operated Lawn Financial Services since 1996. In addition to advising, he provides individual and business income tax preparation and accounting services during the tax season. IP Financial Advisory Services LLC primarily serves individual retail clients, offering portfolio management, financial planning, and consulting services. The firm focuses on non-high-net-worth investors and retirement plan participants, employing a range of analytical approaches and offering specialized advisory services including actuarial and insurance consulting.

Kenneth Durfee is a CFP® with 35 years of industry experience, currently serving at Summit Financial, LLC since 2018. He previously worked at Summit Equities, Inc. and Summit Financial Resources, Inc. for 27 years. In addition to his advisory role, he manages KDD15 LLC, providing investment advisory and financial planning services. Summit Financial, LLC is an SEC-registered, multi-team advisory firm with over $26 billion in assets under management, serving approximately 17,800 clients. The firm offers a blend of discretionary and consultative investment management programs, financial planning, retirement plan advisory, and access to alternative investments.

Christopher Roth is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Barnegat, NJ. He holds the Series 63 designation and has 37 years of industry experience, including 28 years with Equity Services. In addition to his advisory role, he works as an insurance agent selling life, disability, and health insurance. Equity Services, Inc. provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms utilizing third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Rj Amato III is a financial advisor with Voya Financial Advisors, Inc. He holds Series 63 and Series 66 credentials and has one year of industry experience. Prior to joining Voya, he founded Amato Strategic Advising, LLC and has also been employed at Spirit Halloween for over a decade. Voya Financial Advisors, Inc. serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients by providing financial planning, portfolio management, and retirement advisory services. The firm combines in-house and external strategists with technology-driven tools to manage client relationships, primarily through non-discretionary accounts.

David Anderson is a Series 66-registered advisor with PNC Wealth Management, based in Absecon, NJ, and has eight years of industry experience. Prior to joining PNC in 2026, he worked at Thrivent Financial and Thrivent Investment Management Inc for eight years. Outside of finance, he is the owner of Edge Salon & Spa, a beauty salon business. PNC Wealth Management offers retail brokerage and advisory services through model-based investment programs, including an invitation-only digital discretionary model account for employees. The firm uses algorithmic risk assessments and delegates portfolio management to third-party strategists, focusing on mutual funds and ETFs with an annual rebalancing approach.

Kristine Wiley is a financial advisor with Guardian Life, holding a Series 66 designation and 17 years of industry experience. She has worked with Guardian Life and Park Avenue Securities since 2019. Outside of her advisory work, she is a registered New Jersey notary. Park Avenue Securities LLC, a wholly owned subsidiary of Guardian Life, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies through proprietary and third-party platforms, including a digital advisory solution and access to insurance products and alternative investments.

Erin Eads is a financial advisor with TD Private Client Wealth LLC, holding a Series 65 credential and four years of industry experience. She has been with TD Private Client Wealth since 2021 and has worked at TD Bank N.A. since 2016. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail TDIS clients. The firm constructs portfolios using strategic and tactical asset allocation with both affiliated and third-party sub-managers, offering ongoing portfolio management, financial planning support, and custody through third-party custodians.

Clifford Bajor is a financial advisor with HSBC Securities (USA) Inc. who holds Series 63 and Series 66 licenses and has 17 years of industry experience. He has worked at HSBC Securities since 2016, following prior roles at J.P. Morgan Securities and Chase Investment Services Corp. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through several client-directed and discretionary program types. The firm utilizes a structured investment process with multiple risk profiles and combines asset-allocation advice with ongoing fund due diligence, serving a diverse client base across managed and non-discretionary portfolios.

Gary Brown is a CFP® professional affiliated with GWN Securities Inc. He has 16 years of industry experience, including roles at HD Vest Insurance Agency and Lincoln Heritage Life. His background includes sales and servicing of life, health, and annuity insurance products. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individuals and business clients through discretionary managed accounts and financial planning. The firm offers a range of managed-account programs and model portfolios, with a distinctive legacy use of market-timing and momentum strategies within its program suite.

Vincent Russo is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Wells Fargo since 2016 and previously worked at Prudential Equity Group, LLC. Wells Fargo Advisors provides investment advisory and financial planning services to individual, corporate, and institutional clients, offering both brokerage and advisory solutions through a large national platform with approximately $671 billion in assets under management.

David Morse is a financial advisor with LPL Enterprise, holding Series 63 and 65 licenses and bringing 35 years of industry experience. He worked at Pruco Securities, LLC for 33 years before joining LPL Enterprise in 2024. Outside of advisory work, he is involved in the sale and service of property and casualty insurance. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Michael Gandet Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. His prior roles include positions at Securities America Advisors, National Planning Corporation, and Cetera. He is also an owner of tax preparation and accounting firms serving clients in New Jersey and Connecticut. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutional clients through a large network of investment adviser representatives. Its offerings include financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms.

William Meltzer is a financial advisor with LPL Financial in Barnegat, NJ, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. His career includes prior roles at J.P. Morgan Securities, Morgan Stanley, Citigroup Global Markets, and other firms. He is also involved with Meltzer Financial LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services through a large network of advisors, employing various investment strategies and operational tools.

Jenna Kobular is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 credentials and seven years of industry experience. Her career includes roles at Wells Fargo Clearing and Securities America Inc. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions through a broad menu of planning options and integrated financial product offerings.

Charles Dudley is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, supported by research from Wells Fargo Investment Institute and external sources.

Sean O'Sullivan is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He worked at Wells Fargo Clearing for eight years before joining Wells Fargo Advisors in 2024. Outside of his advisory role, he owns and operates Mindful Investing LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, utilizing proprietary research and tools to create tailored recommendations, with clients deciding how to implement them through various brokerage or advisory programs.

Christian Loeb is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at LPL Financial since 2012 and previously spent ten years at PRUCO Securities, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a wide range of advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supporting advisors with both discretionary and non-discretionary strategies.

Stephen Donnelly is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, Questar Asset Management, and UBS Financial Services. Donnelly is an owner of Select Financial Services, LLC, and serves as a board member on the Stafford Township Planning Board. He also consults for CollegeConsultants.org, a nonprofit organization that assists local students in obtaining endowment scholarships. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to various managed account solutions.

Matthew Stoll is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at J.P. Morgan Securities since 2012, including prior roles at JPMorgan Chase Bank, N.A. Outside of his advisory work, he is involved as an employee and contractor with Shea Face LLC, a commerce business. 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 an ESG eligibility framework.

Raymond Offenburger is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Equitable Advisors. His prior roles include positions at Prudential Insurance Company of America, Northwestern Mutual, and Edward Jones. Outside of his advisory work, he holds treasurer roles at the Sons of the American Legion and the Knights of Columbus, both nonprofit organizations. Equitable Advisors serves a broad range of clients including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through various programs and third-party managers. The firm’s approach emphasizes personalized assessment and matching clients to appropriate advisory models, offering a wide array of investment options and ERISA fiduciary services.

Joseph Bublewicz is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior work includes 18 years at H. Beck, Inc. and four years at Grove Point Investments and Grove Point Advisors. Outside of finance, he is also an artist, musician, and stand-up comic. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Thomas Byrnes is a financial advisor at RBC Capital Markets with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at RBC Capital Markets since 2014, concurrently serving at City National Bank since 2019. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and customizes investment strategies using both in-house and third-party managers.

Patrick Cefalo is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Cuna Mutual Group, CUNA Brokerage Services, Inc., and PNC Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment services, utilizing both proprietary and third-party strategies, and supports its large network of advisors with advanced operational and research tools.

Gregory Colucci is a financial advisor at Ameriprise with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Bank of America, Merrill, Park Avenue Securities, Guardian Life Insurance Company, and Wells Fargo Clearing. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored recommendations and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Marny Keller is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2016. 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 developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gina Barcello Reed is a financial advisor at Cetera with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America N.A., and Merrill. Outside of her advisory role, she serves as a trustee for the Port Republic Heritage Society, a nonprofit organization involved in fundraising and event management. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts across various program structures.

Michael Lewandoski is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2010. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to multiple program structures and third-party money managers, managing over $256 billion in assets.

James Berger is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and over 36 years of industry experience. He has worked with Wells Fargo Financial Network LLC since 2009. Outside of his advisory role, he is a principal in JB Group LLC, where he dedicates significant time managing that business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with multiple financial product offerings.

Andrey Letushko is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at Sorrento Pacific Financial, Invest Financial Corporation, and MSI Financial Services. Outside of advisory work, he is involved in a direct sales business through AUTO VENDORS LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational technologies and a large network of over 22,800 advisors.

Brian Macdonald is a financial advisor with Raymond James Financial in Galloway, NJ, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. His prior roles include positions at ALPS Distributors, Arcview Capital, and DWS/DEAWM Distributors. He is also associated with Fulton Financial Advisors, where he is involved in investment sales and service. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals to institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports clients through advisory programs while maintaining a unique municipal advisory affiliation.

David Shelly Jr. is a financial advisor with Charles Schwab, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at Lincoln Investment Planning for six years before joining Charles Schwab in 2019. 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 advisory relationships with access to discretionary separately managed accounts, delivering investment guidance through multi-asset model portfolios and alternative investment due diligence.

Michael Tierney is a financial advisor at Fidelity with five years of industry experience and holds a Series 66 designation. His career background includes roles at Allied Wealth Partners, Minnesota Life Insurance Co, and the Philadelphia Police Department. Outside of finance, he creates and sells digital content on Etsy. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios comprising mutual funds, ETFs, and ETPs.

Bruce Linger is a CFP® professional with 38 years of experience in the financial services industry. He has been with Osaic since 2025, following a 35-year tenure at Lincoln Financial Advisors Corp. Outside of his advisory work, he is involved in several insurance-related ventures, including offering indexed and fixed indexed annuities and life settlements. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include various investment types.

Christopher Atlee is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and having 27 years of industry experience. His prior work includes roles at Credit Suisse Securities and Deutsche Bank Securities. 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 approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to inform its investment approach.

Rocco Manochio is a financial advisor at Ameriprise with 21 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Prior to his current role at Ameriprise since 2020, he worked at Ameriprise Financial Services, Inc. from 2011 to 2020. He is also the owner of RM Financial Management, LLC, a business that manages the office of his financial planning practice. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement with substantial investable assets, providing detailed written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver customized, non-discretionary retirement recommendations, primarily for clients maintaining assets in Ameriprise-managed accounts.

Peter Barron is a financial advisor with LPL Financial in Mays Landing, NJ, holding a Series 66 designation and bringing 23 years of industry experience. His prior roles include positions at Grove Point Investments, H. Beck, Summit Brokerage Services, and several other firms dating back to 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

James Naplacic is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2015. Merrill, together with 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 institutional investors.

Zachary Hammond is a Series 66 licensed financial advisor with Edward Jones, where he has worked since 2009, totaling 17 years of industry experience. He serves as president of a local networking organization, BNI, and is a board member of the Great Lakes Wrestling Foundation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large retail advisor and branch footprint alongside additional affiliated services.

John Stephens Jr. is a financial advisor with LPL Financial who holds Series 63 and Series 66 designations and has 15 years of industry experience. He previously worked at Wells Fargo Clearing before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Norman Chevlin is a financial advisor with Mass Mutual Investors Services, holding the Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is involved in fee-based insurance planning targeting small-company entrepreneurs and owns Plant Your Financial Seed, LLC, which offers property and casualty insurance. He also serves as an insurance broker with Broker's Choice America, focusing on life, long-term care, and fixed annuities. 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 ongoing financial planning, asset management, and educational programs, emphasizing collaborative, goal-based planning with a variety of investment and insurance implementation options.

Tyler Hobbs is a financial advisor with Ameriprise in Manahawkin, NJ, holding a Series 66 designation and five years of industry experience. His prior roles include positions at LPL Financial, Park Avenue Securities, Guardian Life Insurance Company, and C & A Financial. In addition to his advisory work, he is involved in independent insurance brokering with MassMutual, focusing on whole life insurance. Ameriprise provides a retirement-income planning service tailored for individuals nearing or in retirement who meet certain asset thresholds, combining research-driven, tax-aware strategies with algorithmic support to deliver personalized recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brian Zorda is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management and the co-founder and senior partner of Branch-Zorda Wealth Management. He began his career in 2001 with the banking arm of a large European financial firm and shifted his focus to wealth management in 2003. He joined Merrill Lynch Wealth Management in 2008. Brian holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Accredited Domestic Partnership Advisor (ADPA®) designation. He also carries the Personal Investment Advisor (PIA) and Sports & Entertainment (SE) professional designations. He graduated with honors from Siena College. Brian's expertise includes investment manager analysis, investment selection, creating customized asset allocation strategies, and helping business owners navigate employer retirement plan options for self-employed individuals and small businesses. He also assists clients with estate planning issues and wealth transfer questions. His client focus areas include executive compensation, endowments, foundations, non-profits, defined benefit plans, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, and socially responsible, values-based, and ESG investing. He lives in New York City with his wife and their two children. They enjoy traveling, spending time at the beach, and creating new memories and experiences. Brian has been named to the Forbes "Best-in-State Wealth Advisors" list for 2022 through 2025 and, as a member of the Branch-Zorda Wealth Management Group, has been named to the Forbes "Best-in-State Wealth Management Teams" list for 2023 through 2025.

Caren Miller is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2001. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Skye Gibson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2010 and works closely with clients to develop financial strategies tailored to their diverse goals and priorities. Skye's approach involves listening to clients' aspirations and breaking down complex tasks into actionable steps, helping them navigate both short- and long-term financial objectives. Skye holds a Bachelor's degree in accounting from the University of Delaware and a Master's degree in business administration from Syracuse University. He possesses multiple professional designations, including Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), and Certified Exit Planning Advisor (CEPA). While he does not provide legal or tax advice in his current role, he offers expertise in areas such as retirement income, portfolio management, and wealth planning. Beyond his professional duties, Skye has been involved in community initiatives, serving as a board member for the Hunger Foundation of Southern Ocean County and the Southern Ocean Medical Center Foundation. He also coaches youth flag football and travel basketball. Skye resides in Stafford Township with his wife, their four children, and three dogs. His personal interests include reading, golf, basketball, and casual fishing with his father.

Joseph Burkhard is a CFP® professional with 33 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 2017 and also works with Massachusetts Mutual Life Insurance Company. His prior experience includes 16 years with Metropolitan Life Insurance and Metlife Securities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning processes.

Charles Milstein Sr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors. He also operates under the DBA KARR BARTH ASSOCIATES. Equitable Advisors serves a broad client base, including individuals, retirement plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm utilizes a range of third-party advisory models and proprietary tools, providing clients with diversified investment options and ERISA fiduciary services.