Murray Fox is a financial advisor with Cetera, holding a Series 63 designation and over 26 years of industry experience. He has been with Cetera and its affiliated entities since 2004 and has operated Creative Financial Services Inc. since 2000. Fox is also a CPA and president of Fox & Company PC CPA’s, a firm providing accounting and tax services since 1983. He serves as president and board member of Rachels Helping Hands Cancer Foundation, a nonprofit organization focused on fundraising and administration. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through multiple program structures and utilizes both affiliated and unaffiliated third-party managers.

James Mekovetz Jr. is a CFP®-designated financial advisor with 23 years of industry experience. He has worked at Edward Jones since 2019 and previously spent 18 years at Morgan Stanley. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Noah Facciolo is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His prior roles include positions at Equitable Advisors and CSC Global, as well as varied work experience outside the financial sector. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and fund advisory services.

Linda Bumbalo is a financial advisor with Merrill in Pennington, NJ, holding Series 65, Series 63, and Series 66 designations and bringing 22 years of industry experience. She has worked at Bank of America, Merrill, NewBridge Securities Corporation, Paxton Financial, and Creative Plan Designs. 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 broad client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Mark Spina is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 2010. Outside of traditional advisory roles, Spina is the owner and president of Focused on Integrity Inc., a business related to Primerica's operations. Primerica Advisors sponsors and manages a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies supported by third-party asset managers and custodians.

Thomas Kim is a financial advisor at Merrill with 37 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at Merrill since 2006, concurrently with Bank of America 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, discretionary, and tax-aware investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America supports access to a wide array of financial products and services.

Randi Snyder is a financial advisor at Merrill with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 1995. 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s corporate platform, providing access to a broad set of products and services.

Elizabeth Luckenbill is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, she worked at Ross Stores Inc for ten years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Timothy Kinley is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 2015 and has developed expertise in various areas including education planning, executive compensation, equity compensation services, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Tim holds a Bachelor's Degree from Pennsylvania State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He believes that managing wealth involves collaborating with clients to define what matters most as they prepare for the next stage of life, focusing on key life priorities such as family, finances, health, home, leisure, work, and giving. Outside of his professional role, Tim enjoys trail running and spending time with his family.

Shane McMahon is a CFA® charterholder and Series 63 licensed advisor with five years of industry experience. He is currently with Ameriprise and has prior experience at firms including Goldman Sachs, JPMorgan Chase & Co., and Charles Schwab. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Nicholas Digregorio is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill and Bank of America since 2010. 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, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Alexander Betancur is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at Bank of America Merrill Lynch for two years. Outside of finance, he has experience working in the solar and roofing sector as well as in the food service industry. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers model-based and discretionary investment strategies integrated with Bank of America’s corporate platform.

Robert Formisano is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2012 and 2015, respectively. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-based financial planning services.

Karyu Chou is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014 and holds a Series 66 credential. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Grant Holdren is a CFP® professional with 22 years of experience in the financial services industry. He has worked with Cambridge Investment Research Advisors and related entities since 2012 and has held roles at Allied Financial Advisors, LLC since 2004. Outside his advisory work, he serves as treasurer and board member for the Estates of Whitemarsh Hills HOA and is involved with educational scholarship activities through BLOCS Scholarship LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, pension plans, and charitable organizations. The firm provides financial planning and investment management through a network of independent professionals, offering both discretionary and non-discretionary portfolio management and access to proprietary and third-party strategies.

Pablo Diatel is a financial advisor at Merrill with 13 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2012. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of investment strategies including model-based and discretionary options aimed at individuals, high-net-worth clients, pension plans, and other institutional investors.

Bonnie Powell is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She has worked at Merrill since 2008 and at BofA Distributors, Inc. since 2011. Outside her advisory role, she is president of Bonnie Powell Associates, LLC, a family business, and holds a minority partnership in a small record label started by her daughter. 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 other entities. The firm is integrated with Bank of America’s broader corporate platform, providing access to a wide variety of financial products and services.

Natalia Oliver is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and four years of industry experience. She has prior work experience at Bank of America and JPMorgan Chase Bank, N.A. Outside of her advisory role, she owns Legacy Coffee LLC, a business that imports roasted coffee beans for local cafés. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Kevin Graham is a financial advisor with Cambridge Investment Research Advisors in Princeton, NJ, holding Series 63 and Series 66 licenses and 34 years of industry experience. He has been with Cambridge Investment Research Advisors and its affiliated entities since 2008. Outside of his advisory role, he is the managing member of Princeton Retirement Planning & Wealth Management LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a variety of portfolio management and model-based investment approaches.

Richard Polimeni is a financial advisor at Merrill with 37 years of industry experience. He has been with Merrill Lynch & Co., Inc. since 2002. Polimeni serves as an officer and chair of the executive committee for the College Savings Foundation, a nonprofit focused on helping families achieve education savings goals, and is a member of the Municipal Securities Rulemaking Board’s advisory group related to 529 savings plans and ABLE programs. 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 diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations.