Bruce Hesse is a financial advisor with Cetera, holding the PFS™ credential and Series 63, 65, and 66 licenses, and has 30 years of industry experience. His career includes roles at Avantax, 1st Global Advisors, and Private Advisor Group. Outside of advising, he serves as president of a condominium association and manages a tree farm in Maine. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services and provides access to multiple investment platforms, including affiliated and third-party money managers.

Oliver Hannay is a financial advisor at Merrill with 23 years of industry experience. He holds the Series 66 designation and has been with Merrill Lynch since 2003. 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 platform allows access to a wide set of products and services beyond typical investment management.

Benjamin Ricker is a financial advisor with LPL Enterprise holding a Series 66 designation. He joined the firm in 2025 and has no prior industry experience. His previous work includes positions outside finance, such as roles at various restaurants and retail employers. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that also includes brokerage and insurance products.

Joshua Flesch is a financial advisor at Merrill with two years of industry experience. He holds the Series 66 designation and has worked at Merrill, Bank of America, Dworetsky Financial, and other firms. Outside of his advisory role, he is a general partner and managing member of NJ Wire Guys, a small business unrelated to investments. 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, and institutional investors. The firm integrates into Bank of America’s broader platform, providing access to a wide range of products and services.

Anthony Hasen is a financial advisor with Wells Fargo Clearing in Doylestown, PA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at UBS Financial Services for seven years before joining Wells Fargo Clearing in 2022. He serves as a board member of the General Church of the New Jerusalem in Bryn Athyn, PA, where he evaluates the performance of the church’s investment advisor against its investment policy statement. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is investment policy statement-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marcus Bolton is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has a background including roles at Bank of America, Target Transportation, and FedEx Ground. 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 fiduciaries.

Cornell Fields is a Financial Consultant at Fidelity Investments, where he has been working since 2021. He focuses on partnering with clients to develop, design, and implement financial plans dedicated to their long-term financial goals. His approach involves empowering individuals and families to utilize their finances to work toward what is most important to them. Before joining Fidelity Investments, Cornell served as a Senior Retirement Consultant at Prudential Retirement from 2015 to 2021. Prior to that, he was a High Net Worth Relationship Manager at Vanguard from 2011 to 2015, and a Financial Advisor at Merrill Lynch from 2007 to 2009. Throughout his career, he has built meaningful relationships with clients and combined his expertise with the resources of his employers to help clients move towards their financial goals.

Debra Sood is a financial advisor at Fidelity with nine years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at The Vanguard Group, Inc. for six years before joining Fidelity. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Francis Gramlich is a financial advisor at Merrill with 22 years of industry experience and a Series 66 designation. He has been with Merrill since 2002. 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, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to various products and services beyond traditional investment management.

Melissa Jenkins is a Series 66-registered financial advisor with Merrill, based in Pennington, NJ. She has 18 years of industry experience and has been with Merrill since 2015. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers model-based and discretionary investment strategies integrated with Bank of America's broader corporate platform.

Meredith Vergara is a financial advisor at Merrill with 26 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2001 and Bank of America, N.A. since 2015. 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 individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s broader platform, providing access to a wide range of products and services.

Karen Klukososki is a financial advisor at Merrill with 15 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2006. 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 is integrated into Bank of America’s broader platform, which allows access to a wide set of products and services.

Victoria Nelson is a Series 66-licensed financial advisor with Merrill in Pennington, New Jersey. She has seven years of experience at Merrill and previously worked in roles at Cape May Sweet House, Rider University, and Harbor View Restaurant. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Joseph Buono is a Series 66-registered financial advisor at Merrill with six years of industry experience. He has worked at Merrill since 2019 and previously held positions at Rider University, Rutgers University, and Mercer County Community College. 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 plans, and corporate fiduciaries.

Elizabeth Dahme is a financial advisor at Merrill with 46 years of industry experience. She holds a Series 63 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2007 and Bank of America since 2009. In a fiduciary capacity outside her advisory role, she serves as Power of Attorney for a family member. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Eric Burkett Jr. is a financial advisor with Merrill in Skillman, NJ, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Merrill since 2013. Burkett also serves as a volunteer member of the Investment Advisory Committee for the American Bankers Association Foundation. 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, and institutional investors.

Oliver Gordon is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 designations and 11 years of industry experience. He has been with Merrill since 2016 and previously worked for Moose Exhibits. 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.

James Balsamides is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2006 and Bank of America, N.A. since 2011. 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 diverse client base that includes individuals, high-net-worth clients, pension plans, and corporate fiduciaries. The firm’s platform is integrated with Bank of America’s broader services, allowing access to a wide range of products and strategies.

Austin Joyal is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the Joyal-Ferraro Group in 2013 and focuses on helping clients connect all aspects of their financial lives to prioritize and pursue important goals such as education funding, retirement planning, healthcare cost management, and wealth transfer to younger generations. His client focus areas include corporate executive services, divorce transition planning, education planning, family wealth management strategies, legacy planning, philanthropic planning, small business strategies, and tax minimization. Austin holds a Bachelor's Degree from Villanova University and a High School Diploma from Rutgers Preparatory School. He has earned multiple professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He also holds FINRA Series 7 and 66 registrations. Outside of his professional work, Austin is involved with Special Olympics Pennsylvania. He enjoys outdoor activities such as camping, football, golfing, hiking, horseback riding, scuba diving, skiing, and spending time with his family and traveling.

Louis Ferraro is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch for 19 years, during which time he has developed expertise in managing discretionary custom investment strategies, selecting from Merrill model portfolios, and incorporating third-party investment strategies. Louis assists clients, including small businesses, with banking services, retirement planning, and 401k planning to create comprehensive wealth management strategies. He leverages the investment insights of Merrill and the banking capabilities of Bank of America to address clients' financial needs in a holistic manner. Louis holds both a Bachelor of Science and a Master's in Business Administration, concentrated in Finance, from Rider University. He is a Certified Financial Planner (CFP®) certificant and holds the Chartered Retirement Planning Counselor (CRPC®) designation along with FINRA Series 7, 66, and 31 registrations. His client focus areas include corporate executive services, divorce transition planning, education planning, family wealth management strategies, legacy planning, philanthropic planning, small business strategies, tax minimization, and retirement income. Outside of his professional duties, Louis enjoys baseball, football, ice hockey, reading, scuba diving, swimming, and spending time with his family. He emphasizes thorough discovery and team collaboration to develop customized wealth plans tailored to clients' financial lives.