Jared Chud is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. He has worked at Merrill since 2016, including time at Merrill Lynch prior to the firm's rebranding. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies with support from internal and third-party managers.

Sejal Patel is a financial advisor at Merrill with Series 65 and Series 66 licenses and three years of industry experience. Prior to joining Merrill in 2025, she worked at AT&T Services Inc for five years and held roles at Suntrust Advisory Services, Inc and Portfolio Evaluations Inc. She is also affiliated with Boston University's Questrom School of Business. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

F Shannon IV is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been a team member since 2006. Prior to joining Merrill Lynch, he gained experience at Legg Mason and Smith Barney. Shannon specializes in family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds a Bachelor's degree from the University of Maryland, College Park, and has earned the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor designation. Shannon serves on the Board of Trustees of the Naval Academy Primary School in Annapolis, Maryland. Residing in Annapolis with his wife, Sarah, and their three children, Shannon enjoys boating, golfing, music, traveling, and spending time with his family.

Christopher Rieger is a financial advisor at Merrill with 22 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Financial Engines Advisors L.L.C. and Bank of America. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Thomas Dziubek Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 registrations and bringing 14 years of industry experience. His career includes roles at Cetera Wealth Services, VOYA Financial Advisors, and Falzone Financial Services. Outside of his advisory work, he operates as an Independent Insurance Agent and owns TJD Financial Services LLC, which offers insurance, securities, investment products, and personal tax preparation. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients. The firm provides a range of portfolio management, financial planning, and retirement services through a multi-manager platform with discretionary and non-discretionary program options.

Shobha Menon is a Financial Advisor with Merrill Lynch Wealth Management based in Princeton, New Jersey. In her role, she helps clients identify what matters most to them and develop personalized strategies to pursue their financial goals. She is registered to do business across virtually all U.S. states and integrates investment strategy with banking services and wealth-management tools. Ms. Menon has more than 30 years of experience in the financial industry. Prior to her current role, she worked as a Senior Investment Specialist at Bank of America Merrill Lynch in Pennington, New Jersey, and held positions abroad, including Head of Legal & Compliance and Executive Director at UTI International (Singapore) Private Limited. She holds a Bachelor's degree in commerce and economics and an L.L.B from Mumbai University, as well as a Chartered Accountant designation from the Institute of Chartered Accountants of India. She is also registered with Merrill Lynch as a broker-dealer and investment adviser representative and has passed the Series 7, Series 6, and SIE exams. Her approach emphasizes a goals-based strategy that aligns clients' life priorities with financial decisions. Shobha Menon is involved with St. Jude Children's Research Hospital and participates as a Bank of America Community Volunteer. She speaks English, Hindi, and Gujarati. Personal interests include gardening, music, spending time with her family, and traveling.

Ronald Williams is a CFP® professional with 35 years of experience in the financial industry. He currently serves as an advisor at Cetera and has prior experience with First Allied Advisory Services, Inc. and First Allied Securities, Inc. Outside of his advisory role, he is a real estate sales associate with Weichert Realtors and operates his own business under True North Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors, utilizing a multi-manager platform that includes both affiliated and third-party managers.

John Mesinger is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Certa Pro Painters, Paychex, and Automatic Data Processing, as well as experience as a financial trader. 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.

Alyson Mandato is a financial advisor at Cetera with six years of industry experience. She holds a Series 66 designation and previously worked at Two River Community Bank. In addition to her advisory role, she is involved with King Financial Network, where she prepares lead advisors for client meetings and manages portfolio reporting. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a multi-manager platform with a range of portfolio management and financial planning services.

Patrick Heeb is a Financial Consultant currently working with Fidelity Investments since 2020. He has experience in financial consulting and has held roles including Financial Consultant at PNC Investments and Regional Vice President positions in annuity and mutual fund wholesaling with Pacific Life Insurance and Guardian Life Insurance. Throughout his career, Patrick has developed expertise in financial consulting, annuities, and mutual funds. He emphasizes understanding each client's personal and financial history to tailor financial planning that aligns with their definition of financial success. Outside of his professional work, Patrick has interests in fitness, parenthood, and puzzles.

Nicholas Pulli is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and six years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Prior to his current role, his work history includes positions at MFS Investment Management and Constellation Brands. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in assets and employs a structured planning process using firm-approved tools and modeling techniques.

Brandon Wasitowski is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, he has held various roles in sports and education-related businesses, including involvement with multiple lacrosse organizations and academic institutions. 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 a diverse client base including individuals, high-net-worth clients, and institutional investors.

Aimee Conway is a Series 66 licensed financial advisor with Merrill, where she has worked since 1999. She has 24 years of industry experience and is based in Pennington, New Jersey. 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 plans, corporations, and charitable organizations.

Greg Hoser is a Series 66 credentialed financial advisor with Merrill, based in Pennington, NJ. He has 19 years of industry experience and has been with Merrill for 21 years. 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.

Yoshamel Gerald is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, he worked at Bank of America, N.A., and has a varied background including positions at ETS/Adecco and in the casino industry. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Rebekah Schmierer is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2018. Prior to that, she was employed at New Jersey Manufacturers Insurance Company, The College of New Jersey, and The Philly Pretzel Factory. 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 a range of client types, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Elena Ristov is a financial advisor at J.P. Morgan Securities in Freehold, NJ, holding Series 63 and Series 66 licenses with 13 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting.

Jermaine Wright is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2015. Prior to and alongside this, he has experience with Bank of America N.A. beginning in 2023. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Kim is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Terence Benjamin is a financial advisor with Raymond James & Associates in Princeton, NJ. He holds the Series 66 designation and has one year of industry experience. Prior to joining Raymond James, he worked eight years with the United States Golf Association and served on the advisory board of Starmis Corporation, a family business, where he holds a voting board position without beneficial ownership. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting with access to various portfolio management styles and in-house research.