Dara Hubbard is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for five years before joining Merrill in 2017. Outside of her advisory role, she is employed as a receptionist at Ramsey Veterinary Hospital. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a broad range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Vipul Mallick is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Cambridge since 2013 and serves as an independent insurance agent. Additionally, he is a board member director of NY Bio Healthcare Pvt Limited, a distributor of disposable medical devices. 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 advisory services through independent financial professionals, employing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Rickey Black is a financial advisor with Primerica Advisors in Englewood, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with PFS Investments Inc. since 2013 and with Primerica Financial Services since 2012. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of portfolio models and trading implementation.

Antoine Ojeil is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and having 11 years of industry experience. His prior roles include positions at Citi Private Alternatives and Citigroup Global Markets. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers a range of investment strategies implemented by Managed Account Advisors LLC and features integration with Bank of America’s corporate platform.

Natalie Vigunas serves as Vice President and Branch Leader at Fidelity, a role she has held since 2023. In this capacity, she is responsible for maintaining Fidelity's standard of care to ensure clients have exceptional financial planning experiences. She leads a team focused on developing client relationships by understanding their personal and financial situations to simplify complex financial planning concepts for better client comprehension and implementation. Natalie has been with Fidelity since 2006, progressing through various roles including Regional Planning Consultant from 2014 to 2023, Vice President and Financial Consultant from 2011 to 2014, Financial Consultant from 2009 to 2011, Investment Consultant from 2008 to 2009, and Financial Representative from 2006 to 2008.

Brendan Mc Cauley is a Wealth Management Advisor at Merrill Lynch Wealth Management. With over eight years of experience, he focuses on helping clients take the stress out of financial planning so they can concentrate on their personal priorities. Brendan's approach centers on building genuine connections to understand and pursue clients' unique ambitions, including areas such as divorce transition planning, executive and equity compensation services, family wealth management strategies, and tax minimization. He holds several professional designations, including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Brendan earned his high school diploma from Saint Peter's Preparatory and a bachelor's degree from the Pennsylvania State University System. He is affiliated with professional organizations such as Pi Kappa Alpha and the Penn State Alumni Association - Northern New Jersey. Outside of his professional role, Brendan is involved in community activities including Penn State THON™. He enjoys football, reading, spending time with his family, traveling, and watching movies.

James Dunn is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2015. He has been with Fidelity for 25 years, during which time he has held various roles including Vice President-Senior Account Executive, Financial Representative III and II, Retirement Investment Specialist, Senior Retirement Service Specialist, and Retirement Services Specialist. James focuses on wealth planning and assisting clients in pursuing their financial goals. He holds a California Insurance License. His career at Fidelity has provided him with extensive experience in financial consulting and retirement services. Outside of his professional work, James enjoys fishing, gardening, golf, outdoor adventures, spending time with pets, and reading.

Kerry Carlo is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 1996, totaling 30 years at the firm. Merrill offers managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates investment strategies developed by its Chief Investment Office and third-party managers within Bank of America’s broader platform.

Jeremy Rudd is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Bank of America and Merrill since 2014. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America’s broader corporate platform allows access to a wide set of products and services.

Brian Mchugh is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he held roles at Celtic Marine Services and Phaidon International - Selby Jennings. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm’s approach combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, supporting discretionary and non-discretionary advisory services as well as model portfolio delivery.

Sultan Bilal is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 40 years of industry experience, including roles at MML Investors Services and Mass Mutual Life Insurance Company since 2013. In addition to his advisory work, he is involved in non-MassMutual insurance brokerage, focusing on individual and group life and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs, employing firm-approved analytical tools to support collaborative, goal-oriented client engagements.

William Edelson is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 32 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has worked with Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory role, he is an independent insurance agent specializing in individual life, property/casualty, health, disability, long-term care, and fixed annuities, and serves as an executor for a family estate. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative annual planning engagements and offers specialized programs including divorce planning, estate settlement, and employer-sponsored planning.

Tammy Kerner is a financial advisor with Mass Mutual Investors Services in Paramus, NJ. She holds Series 63 and Series 66 licenses and has 16 years of industry experience. Prior to her current role, she worked at Metlife Securities Inc. from 2015 to 2017. In addition to her advisory work, she is also licensed as an insurance broker, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm-approved software to analyze client goals and deliver written recommendations.

Jennifer Polidori is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has worked since 1997. In her role, she assists families, individual investors, and business owners by developing and implementing personalized financial strategies to help clients achieve their financial goals. Jennifer works closely with clients over time, regularly reviewing and adjusting strategies as needed, and collaborates with their attorneys and CPAs to create comprehensive and goals-based financial plans. Jennifer's expertise encompasses a wide range of financial planning areas, including investments, asset allocation, education planning, retirement planning, estate planning, philanthropic planning, and small business strategies. She holds several professional designations, including the Chartered Retirement Planning Counselor™ (CRPC™), the Certified Plan Fiduciary Advisor™ (CPFA), and the Accredited Domestic Partnership Advisor™ (ADPA™). She earned her High School Diploma from Pompton Lakes High School. Residing in Pompton Lakes, NJ, Jennifer serves as an elected Councilwoman in her hometown. She is actively involved in community organizations such as the Bergen County Habitat for Humanity Women Build, Cumac, Ducks Unlimited, and the Pompton Lakes Woman's Club. In her personal time, Jennifer enjoys competitive skeet shooting, cooking, traveling, water sports, and spending summer days on Greenwood Lake with her two children, Paige and John Michael.

Erich Williams is a Financial Consultant at Fidelity Investments, where he has been working since 2023. He has built a career focused on understanding clients' goals and helping them develop investment plans that align with their financial objectives to provide peace of mind. Erich's professional experience includes roles as a Private Banker at Merrill Lynch from 2021 to 2023 and at Morgan Stanley Private Bank from 2017 to 2021. Prior to that, he served as a Financial Advisor at Merrill Lynch between 2015 and 2017 and at Morgan Stanley from 2012 to 2014. Outside of his professional work, Erich is interested in art, baseball, museums, parenthood, and reading.

Michael Munk is a Senior Financial Advisor at Merrill Lynch Wealth Management. He emphasizes developing portfolios that align with clients' goals and risk tolerance, utilizing a philosophy rooted in asset allocation to build diversified portfolios aimed at generating returns over time. His approach involves a comprehensive wealth management process that begins with understanding clients' financial situations, risk tolerance, and financial goals, both short and long term. Michael's expertise includes legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. His team delivers personalized service and customized financial strategies in areas such as wealth preservation and growth, income generation, cash flow consistency, advanced portfolio design, retirement planning, insurance planning, financial planning, wealth transfer, and philanthropic endeavors. His experience spans many financial situations and market cycles, allowing him to provide advice grounded in knowledge that aims to withstand market volatility. He holds a Bachelor's Degree from Excelsior College and holds professional designations including Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). Michael also participates in community volunteering, following the tradition of Merrill's involvement in the communities it serves.

Lucas Sailer is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2013 and also has experience at Bank of America, N.A. Additionally, he is involved with BIG Messages, an answering service for doctors in northern New Jersey, where he handles communications between hospitals, patients, and doctors. 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 to individuals, high-net-worth clients, and various institutional investors.

John Carroll is a Wealth Management Advisor at Merrill Lynch Wealth Management in Wayne, New Jersey. He joined Merrill Lynch in 2015 and focuses on delivering customized services in areas such as portfolio management, trust, estate, and retirement planning. John provides his clients access to banking, credit, and lending solutions through Bank of America, assisting in building, preserving, and transferring accumulated wealth. He has held leadership roles within Merrill, including membership in the Advisor Growth Network and overseeing the growth of the Wayne office into a Complex office. Before joining Merrill Lynch, John spent 14 years at Bear Stearns & Co., where he was a leading producer in the firm's International Equities Division and became one of the youngest Senior Managing Directors in the firm's history at age 30. He also worked over six years at Weeden and Co. in Greenwich, Connecticut, as a Senior Equity Sector Strategist, and held senior positions including Senior Portfolio Manager, Chief Operating Officer, and Chief Risk Officer. John holds a Bachelor of Business Administration in Finance from Loyola University in Maryland and completed the CPWA® Program at the Yale School of Management in 2025. He holds several professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He maintains multiple FINRA Series registrations including Series 7, 9, 10, 24, and 66. Outside of his professional life, John runs the Loyola Lacrosse Mentorship Program and is a 3rd Dan Black Belt in Taekwondo. He serves on the President's Council at St. Thomas Aquinas College in Sparkill, NY.

David Barrett is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 29 years of industry experience. He has worked with Cetera Investment Advisers since 2016 and with Cetera Financial Specialists LLC since 2005. Outside of his advisory work, he serves as the executor of his parents' wills. Cetera Investment Advisers is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes both affiliated and third-party managers.

Melanie Powell is the Resident Director and Wealth Management Advisor at Merrill Lynch, overseeing advisory services and risk management in the West Nyack, New York office. In her role as a producing director and Vice President, she works closely with clients to understand their concerns and priorities and supports financial advisors in delivering client-centered services. Her expertise focuses on implementing wealth management strategies that emphasize portfolio construction aimed at reducing risk and minimizing taxes. Melanie holds several professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her Bachelor of Science degree in Economics with a concentration in Finance from the State University of New York at Oneonta. She participates in community activities, having been past president of the Broadacres Women's Golf League, and volunteers with local organizations such as the Center for Food Action and Habitat for Humanity. Melanie also engages with the community by offering investment education classes geared towards women investors. She resides in Bardonia, New York.