Ryan Murray is a financial advisor with Ameriprise based in Jamison, PA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Murray serves as Treasurer for Nestlewood Estates, is a member of the finance committee at Solomon's Lodge No. 3, and holds leadership positions including Honorary Chairman of the Business Advisory Council and President of Alternative Care Concepts. He also supports local education through involvement with the Jamison Elementary Home & School Association. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary advice, primarily focusing on assets held in Ameriprise Managed Accounts.

Samantha Rodrick is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Her prior background includes roles at McDaniel College and Impact XM. She has also been involved with Green Leaf Pet Resort and Hotel LLC. 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 with model-based and discretionary investment strategies.

Michael Demarco is a financial advisor with Merrill, holding a Series 66 designation and 15 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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 plans, corporations, and charitable organizations.

Daniel Casino is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2019. Prior to this, he worked at Wells Fargo Clearing from 2016 to 2019. Outside his advisory role, Casino holds a part ownership in Invictus Wealth Management, LLC and serves as a trustee for its 401(k) plan; he is also a notary public. Wells Fargo Advisors is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services utilizing proprietary research and tools, serving clients who meet specific net-worth criteria.

Joseph Piazza is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. He has been with Merrill and its affiliate Bank of America since 2010. Outside of his advisory role, he plays guitar in a musical group that performs cover songs. Merrill, together with 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mark Maertzig is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Cadaret, Grant & Co., Inc. for 17 years. In addition to his advisory role, Maertzig operates Tax Aid Associates, a tax preparation and accounting business. 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 a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by extensive operational tools and a broad platform of financial products.

Raphael Hochberg is a financial advisor with Merrill, holding Series 63 and Series 66 designations and over 31 years of industry experience. His prior roles include positions at Bank of America, Maxim Group LLC, The Vertical Group, and Icap Corporates LLC. 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.

Paul Krumenacker Sr. is a financial advisor with LPL Financial based in Doylestown, PA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include positions at Raymond James Financial Services Advisors and Wealth Advisory Services, where he worked for a combined total of over two decades. Outside of his advisory work, he is involved with a lifestyle brand clothing business called Zero Negative. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on both discretionary and non-discretionary investment strategies supported by research and technology tools.

Andrew Bukowinski is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, he was employed at Bank of America, N.A., and has a diverse background including work in the fashion industry and education. 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.

Richard Di Bono is a financial advisor at Merrill with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill Lynch, Capital One Investing, Swiss Farms LLC, and Holstein & Penn LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Bondi is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. His career includes prior roles at Ameriprise Financial Services and PNC Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Andrew Ettlinger is a financial advisor at Merrill with 8 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017, following his time at Pennsylvania State University. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Julie Haber is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2011. 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Naomi Roach is a financial advisor with Merrill in Pennington, NJ, holding the Series 66 designation and eight years of industry experience. She has worked at Merrill since 2018 and previously held positions at Enterprise Holdings and Chesapeake Collision Co. Outside of her advisory role, she serves as a gymnastics instructor for the charitable organization Sokol Baltimore Inc. and owns an LLC focused on personal and group fitness training along with the sale of exercise equipment and natural beauty products. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing a range of model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, and institutional investors.

Pin Yao is a financial advisor with LPL Enterprise, holding a Series 66 designation and 26 years of industry experience. She has been with LPL Enterprise since 2024 and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC for over two decades. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers and insurance products through affiliated entities.

Keith Schwarz is a financial advisor with Primerica Advisors in Chalfont, PA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Primerica Advisors since 2000 and has been affiliated with Primerica Financial Services since 1999. Outside of advising, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and selected separately managed accounts to individual and high-net-worth clients. The firm uses third-party asset managers and emphasizes a tiered wrap-fee structure, with an operational model that allows it to curate and oversee investment models.

Kyle Fenstermaker is a financial advisor at Merrill with 20 years of industry experience. He has held his current position since 2005 and holds a Series 66 credential. 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 and profit-sharing plans, corporations, and charitable organizations.

Edward Snyder is a ChFC® with 41 years of industry experience, currently affiliated with LPL Financial since 2025. He previously worked at The Investment Center, Inc. and Ic Advisory Services Inc. for nine years each. Snyder serves as a board member for two nonprofit organizations, Bucks Quarterly Meeting of Friends and Yardley Monthly Meeting of Friends. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment solutions, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced advisor tools and oversight of substantial discretionary assets.

Robert Wittpenn is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has been affiliated with Merrill and Bank of America since 2010. Outside of his advisory role, he serves as an elder and officer for Lamington Presbyterian Church in Bedminster, New Jersey. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Edward Dorsey is a financial advisor at Merrill with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Merrill since 2016, with additional experience at Oppenheimer & Co. Inc, Lincoln Investment LLC, and Bank of America. 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 individual, high-net-worth, and institutional clients.