Melanie Newton is a financial advisor at Merrill with four years of industry experience. She holds a Series 66 credential and has worked at Merrill since 2022, with previous experience at Bank of America and Fidelity Investments. 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 both model-based and discretionary investment strategies for individual and institutional clients.

Nicholas Kurtz is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked in healthcare-related roles at Wentworth Douglas Hospital and York Hospital. Outside of finance, he has experience working at Wentworth Institute of Technology, Cochecho Country Club, and Dover High School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and strategies, supported by a large network of financial advisors and branch offices nationwide.

Ashley Berberian is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2011, including a period from 2011 to 2019 and again from 2020 to the present, as well as at Steward Partners Investment Advisory LLC and Raymond James Financial Services. Outside of her advisory role, she is the owner of a for-profit LLC in Manchester, New Hampshire. 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 strategies for individuals, high-net-worth clients, and institutional investors.

Laura Stewart is a financial advisor with Morgan Stanley in Manchester, NH, holding Series 63 and Series 65 credentials and 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a variety of advisory programs and utilizes structured financial planning tools, managing approximately $2.74 trillion in client assets.

Allison Riotto is a financial advisor with UBS Financial Services in Manchester, NH, holding a Series 66 designation and bringing 14 years of industry experience. She previously worked at Merrill for nine years before joining UBS in 2023. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Samuel Paul is a financial advisor with Mass Mutual Investors Services, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. His career includes ten years with New York Life and NYLIFE Securities LLC, followed by his current role since 2023. Prior to his financial services career, he was involved with the Common Man Restaurant for a decade. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved software tools for goal analysis and offers a range of planning programs including recently introduced divorce planning and event-driven estate and employer-sponsored solutions.

Lawrence Streb is a financial advisor at Merrill with 33 years of industry experience. He has held roles at Merrill since 1997 and at Bank of America, N.A. since 2011. He holds the Series 63 and Series 65 credentials. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eric De Lorey is a Certified Financial Planner (CFP®) with 11 years of industry experience. He has been with Edward Jones in Rochester, NH since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices, offering various advisory programs and investment strategies under a fiduciary standard.

Payton Vitale Warner is a financial advisor at Mass Mutual Investors Services with three years of industry experience. Prior to joining MassMutual and MML Investors Services, LLC, Warner worked at Hartwood Consulting Group and served in the United States Marine Corps for four years. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers various programs including wrap and money-manager options, as well as educational seminars.

Richard Gagne is a financial advisor with Ameriprise in Manchester, NH, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Global Portfolio Strategies, Inc., Prudential Investment Management Services LLC, and The Prudential Insurance Company of America. Outside of his advisory work, he is involved with The Halpin Co. in a supervisory capacity. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations delivered through a centralized consulting team. The firm also provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Andrea Carlin is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2010. 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 strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Oleksandr Hordiychuk is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their personal ambitions and financial priorities in order to develop tailored strategies that help pursue their goals. His approach includes planning for various milestones such as funding education, retirement preparation, and managing unexpected expenses. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Oleksandr earned a Bachelor's Degree from The Ohio State University. He communicates fluently in English, Ukrainian, and Russian, facilitating client relationships across diverse backgrounds. Oleksandr emphasizes simplicity and transparency in his work to make wealth planning an engaging process. He focuses on ongoing advice and guidance aligned with clients' evolving needs, covering areas from general investing to comprehensive retirement planning.

Gina Hall is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. She specializes in financial planning strategies focusing on life insurance, annuities, and long-term care. Gina works closely with families and individuals to develop personalized wealth management strategies encompassing areas such as college education planning, retirement income, legacy planning, and family wealth management. She collaborates with a team of Merrill and Bank of America specialists to assist clients with services ranging from college funding to estate planning. Gina holds a Bachelor of Business Administration in Finance from Columbus State University, a Master of Science in Personal Financial Planning from the College for Financial Planning completed in 2016, and a Doctorate in Personal Financial Planning from Kansas State University, earned in December 2023. She carries multiple professional designations, including CERTIFIED FINANCIAL PLANNER4 (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is also a member of the Greater Columbus Chamber of Commerce. A native of Harris County, Georgia, Gina resides in Hamilton, Georgia with her husband Bryan and their three children, Lexie, Katryn, and Elijah. She dedicates time to community involvement through organizations such as the American Cancer Society, Columbus Georgia Lean-In Circle, Columbus Georgia Young Professionals, and Historic Columbus. Gina and her family are active in fundraising and community activities in their area.

Brendan York is a financial advisor at Edward Jones in Bedford, NH, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones in 2023, he worked at Barresi Financial and MML Investors Services, LLC from 2021 to 2023. His background also includes service in the U.S. Army from 2016 to 2020. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets under management and offers a variety of discretionary and non-discretionary investment strategies supported by a large nationwide network of financial advisors and branch offices.

Morgan Berberian is a financial advisor with Morgan Stanley in Manchester, NH, holding a Series 66 designation and 12 years of industry experience. Prior to joining Morgan Stanley in 2025, Berberian worked at Bank of America and Merrill, where they spent over a decade. Outside of finance, Berberian is the sole proprietor and owner of Wild Fig Charcuterie, a restaurant and bar located in Hooksett, New Hampshire. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and economic modeling techniques.

Cody Lynch is a financial advisor with Mass Mutual Investors Services in Bedford, NH, holding Series 65 and Series 63 licenses and bringing three years of industry experience. Prior to joining Mass Mutual and its affiliate MML Investors Services in 2023, he worked at RBC Capital Markets and Wohler USA and served eight years in the United States Military. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools and collaborative processes to develop recommendations tailored to client goals.

Charles Dunlap is a financial advisor at Morgan Stanley with 21 years of industry experience. He has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2011. Dunlap holds a Series 66 designation and operates out of Manchester, NH. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets.

Jo Ellen Manhardt is a financial advisor with Merrill in Manchester, NH, holding Series 63 and Series 65 credentials and having 10 years of industry experience. She 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rita Croll is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Primerica Advisors since 1996 and Primerica Financial Services since 1995. Outside of her advisory role, she has experience in sales related to mortgage products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on retail investors rather than institutional pension or profit-sharing plans.

Jack Grudzien is a Series 66-licensed financial advisor at UBS Financial Services with one year of industry experience. Prior to joining UBS in 2024, he worked at The Hanover Insurance Group and Opus Consulting Group and held positions at Fidelity Investments and the University of South Carolina. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.