Carol Todd is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch since November 1984, initially based in the Marlton, New Jersey office. In December 1994, she relocated to Grand Junction, Colorado, where she balances maintaining a large client base in New Jersey through several annual visits with continuing growth of her client base in Colorado. Carol's client focus includes family wealth management strategies, legacy planning, personal retirement planning, and women and wealth. She holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Her educational background includes a high school diploma from Lost Nation Community High and a bachelor's degree from Iowa State University. Growing up on a farm in Iowa, Carol continues to engage in equestrian activities on her acreage in Colorado, raising horses and hay. She is actively involved in community organizations including Back Country Horsemen, Colorado Canyons Association, Newcomer's Club, West Rhone Lateral Ditch Company, and Women's Giving Club.

Justyn Caccese is a financial advisor at Merrill in Philadelphia, PA, holding a Series 66 designation. He has been with Merrill since 2024 and has prior experience at Bank of America and JetServices. Outside of finance, he has held roles at Aramark and Primo Hoagies and has experience in education through positions at Saint Joseph University and local schools. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Cleo Coates is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has extensive professional experience in financial services, assisting a diverse range of clients including individual investors, families, business owners, and corporate executives. Her expertise encompasses managing concentrated stock positions, executive compensation, retirement planning, business succession, and estate planning. Cleo also provides access to Bank of America Private Bank's trust and estate planning services as well as credit and lending solutions. She collaborates with clients' external professional advisors to coordinate comprehensive financial and legacy plans. Cleo holds a Bachelor's Degree from Queens College and two Master's Degrees from Columbia University, including completion of an Accredited Certificate Program. She is a Personal Investment Advisor (PIA) and is fluent in English and Russian. Throughout her career, she has worked with a variety of client needs, including corporate executive services, equity compensation, family wealth management, endowments, foundations, non-profits, tax minimization, and special needs planning strategies. In addition to her professional work, Cleo is actively involved in community service. She has served on the Joint Village Coastal Management Commission for Head of the Harbor and Nissequogue and previously participated in Partners in Restorative Animal Assisted Therapy programs. Cleo is a member of the organization Paws & Hearts. When not working, she engages in activities such as antiquing, baseball, biking, boating, cooking, gardening, reading, traveling, writing, and yoga.

Joyce Gilfillan is a financial advisor with J.P. Morgan Securities in Philadelphia, holding Series 63 and Series 66 licenses and 36 years of industry experience. She has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2011. In addition to her advisory role, she is also an employee of JPMorgan Bank, enabling her to offer certain bank products and services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Christopher Spitaletto is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. He has worked with firms including Bank of America and The Vanguard Group. Outside of his advisory role, he serves as an executor for an estate in Pennsylvania. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Tyrell Smith is a Financial Advisor at Merrill Lynch Wealth Management who specializes in retirement planning and working with small businesses. He focuses on empowering clients to take control of their financial future through education and high emotional intelligence, helping them understand their opportunities and view money as a resource rather than a source of fulfillment. Tyrell holds a Bachelor's Degree from Hampton University and has earned professional designations including Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His areas of expertise include corporate benefits, education planning, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Outside of his professional role, Tyrell is involved with Next Dimension Family Worship Church. His personal interests include basketball, dancing, football, music, photography, reading, spending time with family, and traveling.

Karlyn Small is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 65 and Series 63 licenses and previously worked for Goldman Sachs & Co. LLC for seven years. Her background also includes roles at Microsoft and Florida A&M University. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Benjamin Drechsler is a financial advisor at RBC Capital Markets with a Series 66 license. He has been in the industry since 2026 and has prior experience at Equitable Advisors, Capelli, IRC International Realty Corporation, and Tether. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles using a combination of in-house and third-party investment managers.

Samuel Paolino Jr. is a financial advisor with Cetera, holding a Series 63 designation and 27 years of industry experience. He is an owner of Rafter, Lewis & Paolino Financial Advisors and serves as a financial professional at Rosenthal CPA Company. He has been affiliated with Cetera and its related entities since 2010. Cetera Investment Advisers LLC is a national SEC-registered adviser that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services and access to third-party money managers.

Stephanie Kaupas is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been with UBS in various roles since 2011. Outside of her advisory work, she has involvement with JL Hospitality, a privately held business. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering proprietary research and a variety of portfolio management strategies.

Tyrone Hart Jr. is a financial advisor at Merrill Lynch Wealth Management, focusing on providing personalized investment strategies and comprehensive financial guidance. He collaborates with individuals, families, and business owners to develop tailored financial plans that incorporate investment management, risk mitigation, cash-flow strategies, and long-term wealth planning. Tyrone utilizes the extensive resources of Merrill Lynch and Bank of America to support his client-first philosophy, emphasizing clear communication and proactive advice. His areas of expertise include divorce transition planning, family wealth management strategies, international wealth management, legacy planning, personal retirement planning, portfolio management services, small business strategies, and sports & entertainment. He holds a Bachelor's degree from Temple University and an MBA from the University of Maryland. Tyrone is a Personal Investment Advisor (PIA) and an active member of Kappa Alpha Psi Fraternity, Incorporated.

Patrick Thompson is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has worked previously at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and The Vanguard Group Inc. His background includes roles in both financial services and other industries. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Neal Rodin is a Series 66-credentialed financial advisor with three years of industry experience, currently affiliated with Fidelity in Philadelphia, PA. His background includes roles at Ameriprise and various political and nonprofit organizations, including campaign work and youth sports involvement. Strategic Advisers LLC, a Fidelity Investments company where he works, provides investment management and advisory services to retail and institutional clients using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, AI in research, and its role as a commodity pool operator and advisor to multiple registered investment companies.

Joseph Dugary is a Wealth Management Advisor with Merrill Lynch Wealth Management, focusing on managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Since joining Merrill Lynch in 2011, he has been coaching a growing circle of referred clients, primarily male and female corporate executives in New Jersey and other locations. His approach involves crafting highly customized wealth management strategies that are sensible and attainable, with a focus on helping clients achieve their long-term financial goals through realistic plans aligned with their risk tolerance. Joseph earned a Bachelor's degree from The Catholic University of America. He holds several professional designations, including Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is committed to educating his clients on financial concepts and simplifying their financial lives by focusing on long-term objectives rather than short-term market fluctuations. Outside of his professional work, Joseph is involved with the community initiative Infinite Love for Kids Fighting Cancer. He enjoys golfing, running, spending time with his wife Justine and their three children, and is a lifelong Philadelphia sports fan. The Dugary family resides in Haddonfield, New Jersey.

Danielle Mazullo is a financial advisor at Morgan Stanley with three years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Private Bank, UBS Financial Inc., and Union Home Mortgage. Outside of finance, she has been involved with Flyer Enterprises and the University of Dayton. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning using structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Matthew Bravyak is a financial advisor with Ameriprise, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise in 2023, he worked at the University of Delaware and Bishop Eustace Preparatory High School. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, with a focus on assets held in Ameriprise Managed Accounts, and offers a wide range of advisory, brokerage, and insurance solutions.

Paul Steinbiss is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, acting as an ERISA fiduciary when providing investment advice.

Jameel Addison is a financial advisor at Merrill with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including Northwestern Mutual and Tony Stanley prior to joining Merrill. 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, pension and profit-sharing plans, corporations, and charitable organizations.

David Mack is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at UBS Financial Services for 12 years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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 structured planning tools and analysis to support its advisory services.

Michael Lamaina is a CFP® with 35 years of industry experience. He is currently with LPL Financial, where he has worked since 2017, and has been with Cornerstone Financial Advisors, Inc. since 1996. Outside of financial advising, he owns Lamainiac Motorsports, a business unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of representatives. The firm offers a variety of advisory programs, financial planning services, and retirement consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and third-party research.