Pargev Ayvazyan is a financial advisor at Merrill with eight years of industry experience. He holds the Series 63 and Series 66 credentials and has previous experience at Bank of America and HSBC Bank. Outside of his advisory role, he owns and operates Exceluserform.com, a website selling MS VBA Excel tools, and has authored a book titled Beyond Prediction. 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, and institutions.

Bruce Goldman is a financial advisor at Charles Schwab with 39 years of industry experience. He has held a Series 63 and Series 65 designation and has been with Charles Schwab & Co., Inc. since 2005. Based in Jersey City, NJ, he has been part of Schwab’s advisory team for over two decades. Charles Schwab & Co., Inc. serves primarily 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 and discretionary investment options, combining multi-asset model portfolios with centralized custody and operational support.

Sean Christman is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2009 and Bank of America since 2011. 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 supported by internal and third-party management teams for individuals, high-net-worth clients, and institutional investors.

David Sytsma is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with UBS since 1993. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Lawrence Feiler is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He previously worked at C.L. King & Associates, Inc. for nearly a decade before joining LPL Enterprise in 2026. His other business activities include involvement with non-variable insurance through a related insurance agency. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, access to model portfolios, and a variety of brokerage and insurance products through an integrated platform that combines adviser programs with active sales of financial products.

Kevin Dobes is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and previously worked at Parx Casino/Sportsbook and Rutgers University Athletics. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and approved tools, offering a range of investment and financial services without providing individual security recommendations as part of standalone plans.

Enroy Hyles is a financial advisor at Cetera with 21 years of industry experience and holds a Series 66 designation. His prior experience includes roles at VOYA Financial Advisors and Cetera Wealth Services, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individual, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with a large network of independent advisors.

Victoria Seica is a Series 66 licensed advisor with Merrill in Pennington, NJ, with nine years of industry experience. She has been with 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party investment teams.

Cynthia Pettegrove is a financial advisor at J.P. Morgan Securities with 30 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at PNC Investments LLC for 10 years before joining J.P. Morgan Securities in 2022. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Karen Ostarticki is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in personal retirement planning, portfolio management, socially responsible investing, women and wealth, tax minimization, and retirement income. She works closely with successful professionals at or near retirement to build their desired retirement plans and next financial stages, providing tailored strategies aimed at achieving financial confidence. Karen holds a Bachelor's Degree from West Virginia University and is a Personal Investment Advisor (PIA). She collaborates with clients' attorneys, accountants, and other advisors to coordinate comprehensive financial and legacy approaches. Her focus includes helping clients manage concentrated stock positions and transition events such as retirement, inheritance, or business sales, as well as providing access to a broad range of Bank of America services. Residing in Bedminster, New Jersey, Karen leads an active lifestyle and serves as the Membership Director for the Central New Jersey chapter of LPGA Amateurs. She is involved with local Chambers of Commerce and community organizations, including Leadership Morris and former service on the Master Association board. Family and faith are central to her daily life, and she enjoys biking, boating, football, golfing, music, and spending time with family.

Christine Peli is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2006. Outside of her advisory role, she participates in a family business called Bristol Antiques Market, where she sells antiques and refurbished furniture. 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, and institutional investors.

Daniel Braile is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. He previously held roles at Bank of America and has a background that includes work at Seton Hall University and in retail. Braile is a co-founder of Pax America, a nonprofit organization focused on promoting social and economic liberty and civic engagement through community service. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Megan Smallwood is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has worked at Merrill and Bank of America, N.A. since 2019 and 2021, respectively. Prior to her advisory roles, she was employed at The College of New Jersey and worked at Lambertville Station Restaurant and Inn from 2015 to 2019. 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.

Alec Maraio is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America and Round Pie, as well as positions in education at Monmouth University and Howell High School. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Conor Watson is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America and the New York State Department of Health, as well as teaching positions at Monmouth University and Iona Preparatory. He has also been involved with Touchcare LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Geoffrey Mann is a financial advisor with UBS Financial Services in Westfield, NJ, holding Series 63 and Series 65 licenses and 39 years of industry experience. He has been with UBS Financial Services since 2008. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Norman Collier is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been affiliated with Cetera and Everest Wealth Management since 2010 and is also a shareholder in Everest Tax Consulting, Inc., an accounting and tax services firm. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting both discretionary and non-discretionary accounts.

Rachel Foti is a Planning Consultant at Fidelity Investments, a position she has held since 2025. In her role, she works closely with clients to develop customized financial plans tailored to their family's unique needs, emphasizing ongoing communication and strategic plan improvement. Her professional experience includes roles as an Associate Producer and Paraplanner at The Garback Agency in 2025, and as an Associate Producer at Dennis R. Hahn Financial and Insurance Services from 2017 to 2025. Earlier in her career, she worked as a Registered Phone Representative at Merrill Lynch from 2015 to 2017. Rachel holds a California Insurance License. Outside of her professional work, Rachel is involved in family activities and social events with friends. She also enjoys snowboarding and traveling.

Sudeshna Kapoor is a financial advisor at LPL Enterprise with six years of industry experience. She holds the Series 66 designation and has previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and Edward Jones. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management arrangements, and a range of brokerage and insurance products.

James Lewy is a CFP® professional with 38 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.