Spencer Cowan is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 licenses and 10 years of industry experience. He has been with Merrill since 2015 and has worked at Bank of America, N.A. since 2018. 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 using model-based and discretionary investment strategies.

Virag Shah is a CFA® charterholder with 18 years of industry experience, currently serving as a financial advisor at LPL Financial in Princeton, NJ. He has worked at LPL Financial and Van Leeuwen & Company, LLC since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management with access to various model portfolios and research.

Bradley Hargrave is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2019. Prior to that, he was with PGIM Investments, Prudential Investment Management Services, and The Prudential Insurance Company of America from 2012 to 2019. J.P. Morgan Securities provides institutional consulting services to clients such as 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 and investment management capabilities.

Nancy Scordo is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 credentials. She has nine years of industry experience, including over a decade at J.P. Morgan Securities and seventeen years with JPMorgan Chase Bank, N.A. She is based in Princeton, NJ. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis through a select group of Wealth Advisors.

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 Wealth Management Advisor with Merrill Lynch Wealth Management. He serves as a partner of Shaw, McNulty & Associates, where he works with professionals, business owners, and families to address complex financial needs. His client-focused approach encompasses comprehensive wealth structuring, personalized financial and retirement planning, tax-efficient portfolio construction, insurance and risk management, and retirement plan administration. James began his career in 2012 at BlackRock, gaining experience in client management, investment operations, and security analysis. His expertise includes investment strategies such as asset-backed debt securities, hedging strategies, and private equity. He holds the Chartered Financial Analyst® (CFA®) designation and is a CERTIFIED FINANCIAL PLANNER® (CFP®) Professional. James earned a bachelor's degree with a double major in Finance and Economics from The College of New Jersey and is active in his collegiate community, having previously served on the board of the TCNJ Alumni Association. Outside of his professional role, James enjoys traveling, golfing, boxing, skiing, and spending time with his wife and family.

Jay Gilston is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. He has previously worked at MassMutual and Investors Capital Corporation and operates a life settlement business alongside his advisory roles. Gilston also provides fixed insurance products and financial services through credit unions and his own Legacy Wealth Advisors practice. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and planning services through a multi-manager platform with access to affiliated and third-party managers.

Edward Marsh is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2003. 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.

Alexis Tucker is a financial advisor at Fidelity with Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Fidelity, Alexis held roles at Northwestern Mutual and MassMutual Tri State. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory work for registered investment companies and a Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Bill Barba is a financial advisor at Equitable Advisors with 14 years of industry experience. He holds the Series 63 and Series 66 credentials and has previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Outside of his advisory role, he is the CEO and owner of BBNY Consulting LLC. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, offering financial planning, brokerage services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer and emphasizes program sponsor and third-party manager partnerships in its service delivery.

Margaret Walsh is a financial advisor with Merrill, holding a Series 66 designation and six years of industry experience, including her current role since 2020. Her earlier work history includes positions at the University of Montana and the University of Notre Dame. 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.

Kevin Gonzalez Jacquez is a financial advisor at Merrill with a Series 66 credential and just under two years of experience in the industry. His prior work experience includes roles at Bank of America, Courier Network, Home Depot Inc., and CVS Pharmacy. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John O'Leary is a financial advisor at Merrill with 30 years at the firm and 20 years of industry experience. He holds a Series 66 designation and is based in Pennington, 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 and profit-sharing plans, corporations, and charitable organizations.

Lawrence Olivadoti Jr. is a Financial Advisor with Merrill Lynch Wealth Management, based in the Greater Philadelphia region. He specializes in serving professionals in healthcare, life sciences, biotechnology, pharmaceuticals, and medical technology sectors. His expertise includes equity compensation planning, retirement planning, investment management, concentrated stock strategies, business ownership, legacy and wealth transfer planning, and multigenerational wealth planning. As a Certified Financial Planner (CFP®) professional, Lawrence works closely with physicians, biotech professionals, pharmaceutical researchers, medical device engineers, and healthcare innovators to navigate the financial complexities associated with their careers. His approach emphasizes understanding each client's unique goals and creating personalized financial solutions to help grow, preserve, and transfer wealth effectively. He leverages comprehensive financial planning combined with Merrill Lynch and Bank of America's resources to assist clients in making informed financial decisions throughout various life stages. Lawrence holds a Bachelor's Degree from Rutgers University – New Brunswick and has completed a Certificate Program at the Yale School of Management. He also holds professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA).

Jay Slade is a financial advisor at Ameriprise Financial Services with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Flagstar Advisors, Signature Securities Group, and HSBC Bank USA. Outside of his advisory role, he serves on the Board of Education for Old Bridge Public Schools. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning through written recommendations and ongoing advice, supported by research and algorithmic analysis.

Shiekh Saif Uddin is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2013 after eight years of experience as an entrepreneur and consultant operating across three continents. Saif applies his business acumen and global perspective to deliver personalized wealth management strategies that align with his clients' goals. His expertise includes retirement planning, estate planning coordination, concentrated stock position strategies, cash flow management, risk assessment, and college education planning. Saif focuses on serving affluent individuals, families, and small businesses, providing customized strategies that address both short- and long-term objectives. He also offers services for defined benefit plans, philanthropic planning, socially responsible investing, and tax minimization. Saif holds a Bachelor's Degree in Finance from Bentley University and possesses professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is multilingual in Urdu, Arabic, and English and contributes to his community through volunteer work with various non-profit organizations. His personal interests include cars, commercial aviation, and wildlife.

Michael Kotarski is a financial advisor with Wells Fargo Advisors in Warren, NJ, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009 and owns MJK Capital Corp, an investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu tailored to clients who meet a net-worth threshold, including specialized services such as business-owner transition planning, sports and entertainment planning, and special-needs analysis.

Robert Lore is a Series 66-licensed financial advisor with Charles Schwab, based in Princeton, NJ, and has 17 years of industry experience. He previously worked at Blackrock Investments, LLC, serving there for seven years before joining Charles Schwab in 2019. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 a combination of non-discretionary guidance and access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Brandon Blake is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill since 2008 and concurrently with Bank of America since 2011. 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, and institutional investors.

Ethan Locker is a financial advisor with LPL Financial in Warren, NJ. He holds Series 63 and Series 65 licenses and has four years of industry experience. Prior to joining LPL Financial, he worked at Equitable Distributors, LLC for three years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.