David Brown is a financial advisor with Primerica Advisors in Langhorne, PA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked with multiple school districts and has experience in the food and beverage sector. Outside of advisory services, he is involved in sales and referrals related to home security, automation, and loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, focusing on model-delivery strategies and a limited number of separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Joseph Sosa is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previous work experience at Bank of America and Panda Express. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, pension plans, and charitable organizations. The firm is integrated into Bank of America’s corporate platform, providing access to a wide range of financial products and services.

Matthew Livingston is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 licenses and having 29 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2002. Outside of his advisory role, he serves as treasurer for Lumberton Boy Scout Troop #2022. Merrill provides managed account services to a broad client base, including individuals, high-net-worth clients, and institutional investors, through the Select Portfolio Solutions program. The firm’s investment approach includes model-based and discretionary strategies implemented by affiliated managers, integrated within Bank of America’s wider platform.

Lawrence Farrell is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Merrill since 2009. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a broad range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Michael Babinski is a Series 66-licensed financial advisor at Merrill with 10 years of industry experience. He worked at JPMorgan Securities LLC and JPMorgan Chase Bank for five years before joining Merrill in 2021. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, and corporate fiduciaries.

Arti Shah is a financial advisor with Osaic who holds Series 63 and Series 65 credentials and has 10 years of industry experience. Prior to joining Osaic, she worked at Royal Alliance Associates, Inc. and Sii. Outside of her advisory role, she consults on marketing for in vitro diagnostic products through D-TEK LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to manage portfolios across various asset classes.

Joseph Deery IV is a financial advisor at Merrill with 13 years at the firm and 4 years of industry experience. He holds a Series 66 designation and is based in Princeton, NJ. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s broader platform, providing access to a wide set of products and services.

Christopher Wittmann is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab since 2022. Prior to his advisory career, he was involved with The Bayou: Southern Kitchen and worked at Cracker Barrel for ten years. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.

Christina Ciorciari is a financial advisor at Merrill with 30 years of industry experience. She has been with Merrill since 2014 and holds Series 63 and Series 66 credentials. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s investment approach includes a range of model-based and discretionary strategies implemented alongside Bank of America’s broader corporate platform.

Jacqueline Caywood is a financial advisor at Stifel with 22 years of industry experience. She holds the Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2010. Stifel serves a broad client base, including individual, institutional, and municipal clients, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and financial planning.

Daniel Porter is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and 12 years of industry experience. He previously worked at Fiduciary Trust International for 11 years before joining Wells Fargo in 2026. 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 offers both brokerage and advisory solutions.

Inderjeet Singh is a Series 66-licensed financial advisor with Merrill, based in Pennington, NJ, and has 18 years of industry experience. He has worked at Merrill since 2008 and has been with Bank of America, N.A. since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a variety of products and services.

Jacob Reilly is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2015. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Chris Maniaci is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, based in Princeton, NJ. He began his career at Merrill in 1989 in Operations and progressed to Operations Manager before transitioning to a Financial Advisor role. Chris is committed to providing personalized wealth management strategies, focusing on areas such as college education planning, executive compensation, family wealth management, retirement planning, portfolio management, and services for endowments, foundations, and non-profits. Chris holds a Bachelor of Science degree in Economics from the State University of New York at Cortland and has earned the Certified Investment Management Analyst® (CIMA®) designation through the Investments & Wealth Institute™. He also holds the Personal Investment Advisor (PIA) designation. Chris emphasizes putting clients' interests first and delivering comprehensive service that supports their long-term financial goals. Outside of his professional role, Chris is involved with the Hemophilia Association of New Jersey. He enjoys golfing, ice hockey, skiing, softball, and spending time with his family.

Rahil Shah is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior work experience includes roles at Bank of America and positions outside finance such as at LL Bean and in the restaurant industry. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, and other institutional clients.

Robert Ferroni is a Series 66-registered financial advisor with Merrill, based in Pennington, NJ, and has 19 years of industry experience. He has been with Merrill since 2007. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad range of clients including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers a variety of investment strategies, including model-based and discretionary options, integrated within Bank of America’s broader financial platform.

Domenick Acerra Jr. is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work history includes roles at Hawk Capital and teaching positions at Monmouth University and two other educational institutions. He also has experience in the hospitality sector and local recreational businesses. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Bernard Hirsh is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial industry since 1981 and has served as a financial advisor since 2007. Prior to his current role, Bernard was an independent exchange member and an options floor trader at the Philadelphia Stock Exchange and the American Stock Exchange from 1981 to 2005. He also worked as a wealth advisor at UBS Financial Services from 2007 to 2010. Bernard's expertise involves helping families and businesses manage their financial affairs by understanding their full financial picture and clarifying their vision for the future. His approach includes creating personalized wealth management strategies tailored to clients' goals. He holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a bachelor's degree from Colby College and completed his high school education at George School. Bernard participates in community volunteering as part of the Merrill tradition of serving the communities where they operate.

David De Dufour is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Stifel Nicolaus & Co., Inc. since 2009. Outside of his advisory role, he serves on the Investment Policy Committee for the Lutheran Church Missouri Synod's New Jersey District and engages in the purchase and sale of antiques. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Elizabeth Garry is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has worked at Morgan Stanley since 2014 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and scenario modeling.