Michael Jones is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2010. With over 20 years of experience, he collaborates with his team to develop customized wealth and financial strategies tailored to the individual needs and goals of each client. His areas of focus include education planning, family wealth management strategies, managing new wealth, philanthropic planning, portfolio management services, tax minimization, and retirement income. Michael holds the Chartered Financial Consultant (ChFC) designation and is a Personal Investment Advisor (PIA). He earned his high school diploma from Totino Grace and attended the University of Minnesota System without obtaining a degree. Originally from Kentucky, Michael and his family reside in Laguna Niguel. Outside of his professional work, he enjoys boating, cooking, fishing, golfing, and reading.

Gerasimos Melissaratos is a Branch Leader at Fidelity Investments, a role he has held since 2020. Prior to this, he served as a Branch Leader at TD Ameritrade from 2018 to 2020 and as a Senior Financial Consultant there from 2014 to 2018. His professional focus includes coaching and developing teams to deliver exceptional client experiences, emphasizing engagement and knowledge among associates. He is committed to fostering an environment that supports both associates and clients. Outside of work, Gerasimos is interested in family activities, fitness, social events, reading, traveling, and volunteering.

Marcus Maldonado is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, NA since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Paul Kolano is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1999. Outside of his advisory role, he serves as an advisory board member and trustee for Catholic Charities, Diocese of Trenton. 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 strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Robert Diprato is a Series 66-credentialed financial advisor with Merrill, based in Pennington, NJ. He has 31 years of industry experience and has been with Merrill since 1989. Outside of his advisory role, he serves as an advisory board member for UCP of Hudson County, a nonprofit organization providing advocacy and support services in northern New Jersey. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Cohn is a financial advisor at Cetera with a Series 66 designation and two years of industry experience. Prior to joining Cetera, he worked in various roles including positions with the Philadelphia 76ers, L.P., and Arconic. In addition to his advisory role, he is involved as an insurance agent focused on fixed insurance products and serves as a financial advisor with Allied Wealth Partners. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and provides access to both affiliated and third-party investment managers.

Kelley Mack is a Wealth Management Advisor at Merrill Lynch Wealth Management with a professional tenure beginning in 2014. Before joining Merrill Lynch, she spent ten years at Harding Loevner, a boutique asset management firm specializing in international and global equities, where she worked closely with institutional and registered investment advisor clients. Currently, Kelley focuses on assisting individual investors in achieving their financial goals through a goals-based approach and a thorough planning process tailored to each client's situation and aspirations. Kelley holds the Certified Investment Management Analyst (CIMA) designation sponsored by the Investments & Wealth Institute at the Wharton School of the University of Pennsylvania. She also has Merrill Lynch's Portfolio Manager designation, enabling her to manage Personalized or Defined Strategies on a discretionary basis. She graduated from Villanova University with a Bachelor of Science degree in Mathematics and a minor in Business. Outside of her professional role, Kelley enjoys traveling, running, and spending time with her husband and two young sons.

Jeffrey Boyarsky is a financial advisor at Equitable Advisors with 47 years of industry experience. He has been with Equitable Advisors since 1999, including time at its predecessor firm, Axa Advisors. Outside of his advisory role, he is a licensed residential real estate referral representative. Equitable Advisors serves individual clients across the wealth spectrum, pension and profit-sharing plans, corporations, and charitable organizations. The firm emphasizes financial planning, retirement plan consulting, and asset management through a network of advisers and third-party managers, offering a variety of investment options including mutual funds, ETFs, and alternative investments.

Vaughn Woodard is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2013. 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 and supports a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alexander Radcliffe is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing financial services to affluent households, individuals, retirees, and small business owners. His approach is goals-based wealth management, focusing on understanding clients' short and long-term objectives to build personalized financial strategies that include investment management, retirement planning, risk management, and wealth transfer. Mr. Radcliffe holds a Bachelor's Degree from Rutgers University and has earned several professional designations, including Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He works collaboratively with other trusted advisors such as tax professionals, attorneys, and insurance agents to provide comprehensive financial planning services. In addition to his professional work, Alexander is engaged in community service through organizations like Junior Achievement of NJ, where he teaches basic financial principles to children. He also contributes to local organizations such as the Hillside Community Food Bank, Jar of Hope, and Ronald McDonald House New Brunswick. Outside of work and community involvement, he enjoys cooking, dancing, football, music, pickleball, pottery, racquetball, running marathons, spending time with his family, and yoga.

Jean Wiegner is a financial advisor at Merrill with a Series 63 designation and 45 years of industry experience. He has been with Merrill since 1978 and concurrently has worked at Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a committee member on the finance committee of the Nassau Club, a charitable organization in Princeton, 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 developed by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Salvatore Ruffino is a financial advisor with Merrill based in Pennington, NJ, holding Series 63 and Series 66 licenses and having 12 years of industry experience. His work history includes roles at Bank of America, Merrill, and Wells Fargo in various capacities. He is also the owner of OJR Holdings LLC, a limited liability company. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Gonzalez is a financial advisor at Merrill with three years of industry experience and holds a Series 66 designation. His prior work includes roles at Shoprite, the National Winter Activity Center, and Marist College. He has also worked in various capacities at educational institutions and recreational facilities. 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 various organizations.

Patrick Clewell is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and its predecessor, Bank of America N.A., since 2014. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Abhishek Patel is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at PNC Financial Services and Rem and Company. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Kennedy is a financial advisor at Merrill with 8 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2018 and Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017. Prior to his current roles, he was affiliated with Rider University in 2016-2017. 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 plans, corporations, and charitable organizations.

Dirk Alexander is a financial advisor at Osaic with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has been affiliated with New Century Financial Group, LLC and Osaic Wealth, Inc. for over 20 years. Outside of his advisory work, he is involved in music as a session musician and manages a music publishing company. Osaic Wealth, Inc. serves a diverse clientele, including individual investors, institutions, and charitable organizations, through a large network of advisors and platforms. The firm provides integrated brokerage and advisory services along with retirement plan consulting and access to third-party money managers, employing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Geraldine Rodrigues is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and nine years of industry experience. She has worked at Merrill since 2016, with additional experience at Bank of America and other financial firms. Outside of her advisory work, she serves with the Union Fire Company and rescue squad in Titusville, New Jersey, assisting in public safety during emergencies. 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 to individuals, high-net-worth clients, and institutional investors.

Richard Jefairjian is an Investment Consultant at Fidelity Investments, where he has been working since 2026. In this role, he collaborates with clients to support their efforts in achieving financial goals. Prior to his current position, Richard served as a Financial Solutions Advisor at Merrill from 2023 to 2026. His professional experience encompasses providing financial guidance and investment consulting to clients. Outside of his professional work, Richard has personal interests that include fitness, football, running, and snowboarding.

Frank Lucchesi Jr. is a financial advisor at Morgan Stanley with five years of experience in the industry. He holds a Series 66 designation and has previously worked at Merrill Lynch Wealth Management, The Mercadien Group, and has experience in security services and hospitality. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and analysis.