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.

Michael Haberman is a financial advisor with UBS Financial Services in Newtown, PA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. His prior roles include positions at Bank of America and Merrill Lynch, Pierce, Fenner & Smith. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm operates as both a broker-dealer and investment adviser, offering a range of services including discretionary portfolio management and futures commission merchant activities.

Michael Reilly is a financial advisor at Cambridge Investment Research Advisors with 30 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for Cantella & Co Inc for 20 years. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm provides multiple investment platforms and strategies, including proprietary and third-party models, tailored to client objectives with both discretionary and non-discretionary options.

Fielding Miller is a financial advisor with LPL Financial in Philadelphia, PA, holding Series 63 and Series 65 credentials and having 10 years of industry experience. His prior experience includes positions at CUNA Mutual Group, Wells Fargo Clearing, and Wells Fargo Bank. 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 provides a range of advisory programs, retirement plan consulting, brokerage services, and access to research and model portfolios.

Steven Griffiths is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 20 years of experience in the financial services industry. He specializes in developing personalized wealth management strategies that help clients achieve their financial and life goals. His disciplined approach starts with gaining a comprehensive understanding of each client’s unique needs, concerns, and objectives. Steven’s areas of expertise include executive compensation, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, and retirement income planning. He holds a Chartered Retirement Planning Counselor (CRPC) designation and a Personal Investment Advisor (PIA) designation. Steven earned his bachelor’s degree from the University of Richmond. Outside of his professional role, Steven enjoys fishing, running, skiing, swimming, and spending time with his family. His practice emphasizes providing clients with access to investment insights from Merrill and banking solutions from Bank of America, aiming to address various aspects of their financial lives with a comprehensive and client-focused approach.

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.

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.

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.

Barry Gessner is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior roles include over two decades at Securities America Advisors, Inc. and its affiliates. Outside of his advisory work, he serves as President and majority shareholder of X-Pando Products Company, Inc., and is a volunteer committee member on the investment committee as well as a board director for Frankford Friends School, a private non-profit institution. OSAIC serves a diverse client base including individuals, high-net-worth investors, retirement plans, corporations, and charitable organizations through a network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to third-party money managers and wrap programs.

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.

Nicholas Hill is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in serving high-net-worth individuals and multi-generational families. With nearly 15 years of experience in financial services, he focuses on delivering tax-efficient strategies, estate planning, executive compensation, and legacy planning. Nicholas works closely with clients and his team to develop customized approaches that address retirement, education, liability management, and portfolio management, aiming to simplify complex financial decisions and enhance clients’ financial and emotional wellbeing. Nicholas earned a Bachelor of Science degree in Business Management from James Madison University, concentrating in Human Resources and minoring in English. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation and the Personal Investment Advisor (PIA) credential. Throughout his career, Nicholas has emphasized client-centric service, following a family tradition of prioritizing clients’ best interests and fostering long-term relationships. Outside of his professional responsibilities, Nicholas is involved with the YMCA of Bucks and Hunterdon County. He enjoys spending time with his family, watching the Philadelphia Eagles, boating, playing golf and ice hockey, as well as relaxing at the family’s home on Long Beach Island.

Montgomery Gallant is a financial advisor with Ameriprise in Hamilton, NJ, holding a Series 63 designation and 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Gallant also owns the Gallant Group, a business involved in payroll and office expense management. Ameriprise provides a retirement-income planning service targeting individuals nearing or in retirement with substantial investable assets, offering tailored Recommendation Reports and a range of advisory, brokerage, and insurance solutions through its extensive institutional platform.

Brian Polakowski is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 24 years of industry experience. He spent 17 years at BlackRock Investments, Inc. before joining Merrill Lynch, Pierce, Fenner & Smith Incorporated in 2018. 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 wide range of clients, including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm’s integration with Bank of America allows access to a broad set of products and services beyond typical investment management.

Leonardo Ramos is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 credential and has worked at Bank of America and Fiserv Inc. Outside of his advisory role, Ramos works part-time as an independent contractor for DoorDash. 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 other institutional clients.

Peter Thomson is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill since 2009, as well as at Bank of America, N.A. and TD Waterhouse. 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.

Cheryl Fuentes is a financial advisor at Merrill with 18 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill Lynch since 2008. Merrill provides managed account services through the Select Portfolio Solutions program for Bank of America fiduciary clients, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates closely with Bank of America’s corporate platform, providing access to a broad set of investment products and services.

J. Michael Seymour is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 32 years of industry experience. He previously worked for Sagepoint Financial, Inc. for 14 years before joining OSAIC in 2023. Seymour is also the owner of UNI Private Wealth Strategies, a sole proprietorship that provides insurance and fixed annuity recommendations and monitoring. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services and uses various portfolio construction and management tools supported by multiple advisory platforms.