Joseph Piazza is a financial advisor at Merrill with 37 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Merrill and Bank of America since 2010. Outside of his advisory role, he participates as a guitar player in a musical group called Decibel Syndrome. 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.

Mark Maertzig is a financial advisor at LPL Financial with 17 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 17 years and has been involved with Tax Aid Associates since 2002, where he provides tax preparation and accounting services. He also holds Series 63 and Series 65 licenses and performs notary and non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Raphael Hochberg is a financial advisor at Merrill with 30 years of industry experience. He holds the Series 63 and Series 66 licenses. His prior work includes roles at Bank of America, N.A., Icap Corporates LLC, Maxim Group LLC, and The Vertical Group. 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.

Paul Krumenacker Sr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 33 years of industry experience. His prior roles include positions at Raymond James Financial Services Advisors and Wealth Advisory Services. Outside of his advisory work, he operates a lifestyle brand and clothing business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, supported by research from LPL and third-party subadvisors.

Andrew Bukowinski is a financial advisor with Merrill, holding a Series 66 credential and one year of industry experience. His background includes roles at Bank of America and a variety of positions in the fashion industry and education. He is based in Pennington, NJ. 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, charitable organizations, and corporate fiduciaries.

Richard Di Bono is a financial advisor with Merrill, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. His prior work includes roles at Bank of America, Capital One Investing, Swiss Farms LLC, and Holstein&Penn LLC. 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 diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates its investment offerings with Bank of America’s broader corporate platform, providing access to a wide range of products and services.

Jesse Creem is a financial advisor with Wells Fargo Clearing in Princeton, NJ, holding a Series 66 designation and nine years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for one year before joining Wells Fargo in 2017. Outside of his advisory work, he serves as power of attorney for his father. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Andrew Ettlinger is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 credential and has been with Merrill since 2017, including its predecessor Merrill Lynch, Pierce, Fenner & Smith Incorporated. Prior to his advisory career, he was affiliated with Pennsylvania State University for four years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies for a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Julie Haber is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2011. 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. The firm integrates its investment services within Bank of America’s broader platform, providing access to a wide array of products and services.

Naomi Roach is a Series 66 credentialed financial advisor with Merrill, where she has worked since 2018, totaling eight years of industry experience. Prior to joining Merrill, she held positions at Enterprise Holdings and Chesapeake Collision Co. Outside of her advisory role, she is a gymnastics instructor with the nonprofit organization Sokol Baltimore Inc. and owns a fitness-related LLC offering personal training, exercise equipment, and natural beauty products. 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, and institutional investors. The firm integrates with Bank of America’s broader platform, delivering access to diverse financial products and services.

Timothy Desantis is a financial advisor with Wells Fargo Clearing in Princeton, NJ, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options that include insurance-related vehicles and bank deposit sweep programs.

Pin Yao is a financial advisor at LPL Enterprise with 25 years of industry experience. She holds the Series 66 designation and has worked at Prudential Insurance Company of America and Pruco Securities, LLC. since 2000. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that combines advisory and brokerage services.

Kyle Fenstermaker is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2005. 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 and profit-sharing plans, and other institutional clients. The firm is integrated into Bank of America’s corporate platform, which allows access to various products and services.

Edward Snyder is a financial advisor at LPL Financial with 40 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining LPL Financial in 2025, he worked at The Investment Center, Inc. and IC Advisory Services Inc. for nine years each. Snyder serves on the boards of two nonprofit organizations, the Bucks Quarterly Meeting of Friends and the Yardley Monthly Meeting of Friends. LPL Financial is a national SEC-registered investment adviser and broker-dealer offering financial planning, advisory programs, retirement plan consulting, and brokerage services to individuals, retirement plans, banks, and charitable organizations. The firm provides both discretionary and non-discretionary management, utilizing model portfolios, research, and a range of investment strategies.

Robert Wittpenn is a financial advisor with Merrill, holding a Series 66 designation and 20 years of industry experience. He has been with Merrill and Bank of America since 2010. Outside of his advisory role, he serves as an elder and officer at Lamington Presbyterian Church in Bedminster, New Jersey. 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 plans, charitable organizations, and corporate fiduciaries.

Edward Dorsey is a financial advisor at Merrill with Series 65 and Series 63 licenses and 11 years of industry experience. His prior work includes positions at Oppenheimer & Co. Inc, Lincoln Investment LLC, and Bank of America, N.A. before rejoining Merrill in 2021. 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 that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Steven Ross is a financial advisor at LPL Financial with 25 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing. Ross also operates under TruMark Financial Wealth Advisors, a DBA tied to his credit union affiliation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a wide range of advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

Lynch Hunt Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He previously worked at Merrill for 10 years before joining Wells Fargo Bank and Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics to evaluate investment options and provides both brokerage and advisory solutions across a broad range of financial products.

Grayson Russo is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previously worked at firms including Northwestern Mutual and Essential Properties Realty Trust. Outside of finance, he has held positions in diverse sectors such as sports equipment and local businesses. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated with Bank of America’s corporate platform.

Lowell Serhus is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior experience includes roles at Cantor Fitzgerald Wealth Partners and various positions within Wells Fargo Bank and Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics grounded in diversification principles and modern portfolio theory.