Charbel Ojeil is a financial advisor with Cetera, holding a Series 63 designation and 28 years of industry experience. His career includes roles at Voya Financial Advisors and New England Securities. He is a council member and volunteer at St Shorbel Church and owns a tax preparation business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Vijay Krishnaswamy is a CFP® with eight years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Kestra Advisory, MML Investors Services, MassMutual, and MasterCard. He is also involved in NKS Group LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, and institutional platforms, with investment management provided through various portfolio strategies and supported by advisor-facing technology tools.

Stephanie Rodriguez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, she worked at Bank of America and has experience in property management, the restaurant industry, and manufacturing. 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.

Michael Leahy is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill, MassMutual, and Edward Jones. Outside of his advisory role, he has ownership in a rental property business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery and firm-approved tools to model potential outcomes.

Jarrett Dawson is a financial advisor with Merrill, holding a Series 66 designation and offering 10 years of industry experience. He has been with Merrill since 2010. Outside of his advisory role, he serves as a consultant for the Financial Industry Regulatory Authority (FINRA) assisting with securities-related dispute resolution and operates a business called Wicked Willow in Lambertville, NJ. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Addo Kuhlmann is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2004. 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.

Julian Rodriguez is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he has worked at S&P Global and Seton Hall University among other roles. He is also the owner of J&J Automation Solutions, a startup focused on developing automation solutions for business owners. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a variety of advisory programs and third-party asset managers, offering clients a range of investment options including mutual funds, ETFs, separately managed accounts, and select alternatives.

Jhordy Matos is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and two years of industry experience. His prior roles include positions at Sigma Financial Corporation and Family Financial Advisors, Inc. Outside of his advisory work, he is active as an Amazon Flex driver. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides access to various third-party managers and investment program structures.

Daevon Austin is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work background includes roles at Merrill Lynch, The Vanguard Group, Adecco, Randstad, and Big Lots, as well as self-employment. 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 designed for individuals, high-net-worth clients, and institutions.

Jeffrey Markovitch is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63 and Series 66 licenses and having 11 years of industry experience. He has worked with Equitable Advisors since 2015 and was previously associated with Axa Advisors LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and various asset management programs delivered through a network of Investment Adviser Representatives and third-party managers.

Tyler Jordan is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative from 2023 to 2024. Tyler focuses on helping clients develop clear and confident financial plans by building long-term relationships based on trust and proactive service. He works closely with clients to anticipate their needs and adjust financial and retirement plans as circumstances and markets change. Outside of his professional work, Tyler enjoys fitness, hiking, skiing, and traveling.

John Quinn Jr. is a financial advisor at Merrill with 29 years of industry experience. He has been with Merrill since 1996 and holds Series 63 and Series 66 licenses. He serves as a director on the board of the LIMRA LOMA Secure Retirement Institute, a nonprofit organization. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Spencer Cowan is a financial advisor at Merrill with 10 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Bank of America, N.A. since 2018 and Merrill since 2015. Merrill, along 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.

Virag Shah is a CFA® charterholder and holds the Series 66 designation with 18 years of industry experience. He has been with LPL Financial since 2008 and was also associated with Van Leeuwen & Company, LLC for 16 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Thomas Mrotek is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. His prior work includes roles at Bank of America, ADP, Verisk, and Rutgers New Brunswick School of Business. He has also been involved with the Innovation Design Entrepreneurship Agency. 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 plans, corporations, and charitable organizations.

Bradley Hargrave is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 15 years of industry experience. He has previously worked at PGIM Investments, Prudential Investment Management Services, and Merrill. Hargrave is based in Somerset, NJ. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to develop model asset allocations and incorporates an ESG eligibility framework where applicable.

Nancy Scordo is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2016, following a tenure at JPMorgan Chase Bank, N.A. beginning in 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager selection, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, employs a forward-looking capital market approach, and offers access to derivatives and commodities capabilities.

Danny Santana is a Planning Consultant with experience in financial advisory roles at Bank of America Merrill Lynch. From 2022 to 2024, he served as an Investment Specialist, followed by a position as AVP-National Financial Solutions Advisor from 2024 to 2026. Danny's approach to financial planning emphasizes trust, understanding, and genuine care. He focuses on listening closely to clients, providing thoughtful insight, and supporting them to feel confident in their financial decisions. He recognizes the uniqueness of each client's situation and aims to assist with empathy, clarity, and integrity. In his personal time, Danny enjoys family activities, fitness, hiking, outdoor adventures, soccer, and traveling.

James Shaw is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and previously worked at BlackRock for five years before joining Merrill and Bank of America in 2017. 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 developed by internal and third-party managers.

Jay Gilston is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. His career includes roles at firms such as Mass Mutual, Ameriprise, and CUNA Brokerage Services. Outside of his advisory work, he is also involved in fixed insurance sales and life settlement services. Cetera Investment Advisers LLC is a nationwide advisory firm serving individual investors, retirement plans, corporate and charitable clients, as well as institutional accounts. The firm offers a range of portfolio management options and financial planning services through a multi-manager platform, supporting various program structures and custodial relationships.