Vibha Patel is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Bank of America, N.A. and Merrill since 2014. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Edward Macauley is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the finance industry. He serves as a team leader and focuses on building and deepening strong client relationships by helping clients navigate life transitions and manage their financial assets toward their goals. His areas of expertise include college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible investing, values-based and ESG investing, women and wealth, and retirement income. Edward holds a Bachelor's Degree from West Virginia University and has completed an Accredited Certificate Program at Fairleigh Dickinson University. He has earned several professional designations, including Certified Financial Planner (CFP®), Chartered Retirement Planning Counselor (CRPC™), Accredited Asset Management Specialist (AAMS™), and Personal Investment Advisor (PIA). He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of work, Edward enjoys biking, fishing, football, soccer, spending time with his family, and traveling.

Jarrett Dewelde is a financial advisor at Equitable Advisors with 23 years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors since 2002, previously affiliated with Axa Advisors. Outside of his advisory work, he coaches the St. Joseph High School Chess Team and is a member of a local business networking group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Keith Balla is a financial advisor at Cetera with 12 years of industry experience and holds a Series 66 designation. His previous roles include positions at Avantax Investment Services, 1st Global Capital Corp, and O’Connor Davies LLP. Outside of advising, he serves as the mayor of the Borough of Watchung and is president of a construction contracting company, B.M.W. Restorations, Inc. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services using multiple program structures and access to both affiliated and third-party money managers.

Daniel Reno is a financial advisor with Merrill in Bridgewater, NJ, holding a Series 66 designation and nine years of industry experience. His work history includes roles at Bank of America, N.A., Merrill Lynch Pierce Fenner & Smith, and Trademark Management Group. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ian Lynch is an International Wealth Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1997, providing financial advice to individuals, families, and businesses. Ian employs a disciplined process focused on understanding each client’s specific needs, concerns, and priorities, and works collaboratively to develop comprehensive plans aimed at achieving their financial goals. Ian's expertise includes financial and investment advisory services, retirement planning, insurance solutions, wealth transfer strategies, and portfolio management. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). As a qualified Portfolio Manager, Ian manages personalized or defined investment strategies, which may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies, often on a discretionary basis. He earned a bachelor's degree in finance from Rutgers University and resides in Warren County, New Jersey, with his wife, Christine.

Brian De Leon is a financial advisor at J.P. Morgan Securities with credentials including Series 63 and Series 65 licenses and one year of industry experience. His prior work includes roles at Credit Suisse and Bank of America. Brian is based in Summit, NJ. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Timothy Tedesco is a financial advisor with Mass Mutual Investors Services in Warren, NJ, holding Series 63 and Series 65 credentials and five years of industry experience. He has worked at MML Investors Services since 2020 and previously at Ernst & Young Investment Advisers LLP and Storms Associates. Outside of his advisory role, Timothy is involved in hockey coaching at multiple levels and owns an ice hockey camp, in addition to participating in charitable networking through Hockey Players in Business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative annual planning relationships and a range of investment and event-driven planning services.

Constance Foley is a financial advisor at Merrill with over 32 years of industry experience. She holds Series 63 and Series 66 registrations and has previously worked at Morgan Stanley Smith Barney, Charles Schwab, and Charles Schwab Bank. Foley serves as an advisory board member for the Women in Leadership Program at the University of New Haven. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily 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 accounts.

Sunil Bhavnani is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2019. Bhavnani serves on the board of directors for Scientech Labs Inc., an analytical testing laboratory. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

Shameka Wombley is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. She has worked at Bank of America and Merrill since 2004. Outside of her advisory role, she is a member of The Tufted Chaise LLC, an interior design consulting business. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Stephan Dipierno is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has worked with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he serves as Vice President of the Raritan Tenants Corp board and acts as a power of attorney for his father. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative, goal-oriented planning without discretionary investment authority.

Andrew Stype is a financial advisor with Merrill in Iselin, NJ, holding a Series 66 designation and 13 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2013. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Deborah Kennedy is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with J.P. Morgan Securities since 2000 and has worked at JPMorgan Chase Bank, N.A. since 1995. Outside of her advisory role, she serves as a trustee for the Paper Mill Playhouse, a regional not-for-profit theatre. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain decision-making authority.

Robert Skibinski is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 21 years of industry experience. He has worked at Primerica since 2015 and has prior experience at Bear, Stearns & Co. Inc. since 1993. Outside of his advisory role, he is an independent contractor for The Lockershelf Company and has involvement in several community and organizational roles, including service on the Montgomery Township Board of Education. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers model-driven investment strategies supported by third-party managers and custody services, focusing primarily on individual investors rather than institutional or pension plan clients.

Tejaswi Patel is a financial advisor at LPL Financial with 30 years of industry experience. Prior to joining LPL Financial in 2024, Patel worked at Cetera Advisors LLC and First Allied Advisory Services in various capacities from 2008 to 2024. Patel holds Series 63 and Series 65 licenses. 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, retirement plan consulting, and brokerage services with access to model portfolios, research, and various management approaches.

Omega Mcintosh is a financial advisor with LPL Enterprise holding a Series 66 license and 12 years of industry experience. Prior to joining LPL Enterprise in 2024, Mcintosh worked at Prudential Insurance Company of America, Pruco Securities, LLC, J.P. Morgan Securities, and Bank of America. Outside of finance, Mcintosh serves as a board member for Brooklyn Faith Seventh Day Adventist Church and works as a paralegal for the New York City Law Department. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party asset management, and insurance products through its integrated platform.

Erisa Bida is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill since 2019. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Emma Poalillo is a financial advisor with UBS Financial Services in Warren, NJ, holding Series 63 and Series 66 designations and three years of industry experience. Her prior roles include positions at Jack Oujo CPA, Inc DBA Oujo Wealth Strategies, Avantax Investment Services Inc, and Gilmartin Financial. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of products, including fee-based financial planning and discretionary portfolio management.

Craig Marquardt is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 20 years of industry experience. Prior to joining LPL Financial in 2023, he worked at Wells Fargo Clearing and Wells Fargo Advisors from 2016 to 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, employing both discretionary and non-discretionary management with access to proprietary research and third-party model portfolios.