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 at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously with Raymond James Financial Services Advisors and Wealth Advisory Services, among others. Outside of his advisory role, he is involved in 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 financial planning and asset management services, utilizing various model portfolios and customized 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.

Jesse Creem is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing Services LLC since 2017, following a year at Lincoln Financial Advisors Corporation. Outside of his advisory role, he serves as power of attorney for his father. 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 a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

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.

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 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.

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 the Series 63 and Series 65 licenses and previously worked at Oppenheimer & Co. Inc, Lincoln Investment LLC, and Bank of America, N.A. before rejoining Merrill in 2021. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Steven Ross is a financial advisor with LPL Financial in Doylestown, PA. He holds a Series 66 designation and has 25 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. He is also involved with TruMark Financial Credit Union, operating a DBA for LPL-related business activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Grayson Russo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he held positions across various industries including real estate, sports, and hospitality. 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 institutional investors.

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.

David Auterson is a financial advisor with Thrivent Investment Management in Princeton, NJ, holding a Series 66 designation and eight years of industry experience. He has worked with Thrivent Financial and Thrivent Investment Management since 2014, with a brief period of unemployment from 2019 to 2020. Outside of his advisory role, he owns a vacation home in Florida that he rents seasonally. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning that covers retirement, tax, estate, business continuation, divorce, and special needs topics, with clients able to combine planning with managed-account programs under a consolidated billing option while keeping services separate.

James Burroughs is a Planning Consultant at Fidelity Investments, where he collaborates with clients and their families to understand their individual financial situations. Utilizing the tools and resources available at Fidelity, he helps develop comprehensive strategies aimed at achieving clients' financial goals. James has a background that includes roles such as Investment Consultant at Fidelity Investments, as well as various client service positions at Vanguard from 2017 to 2022. His experience spans client care and investment consulting, providing him with a broad perspective on client needs and financial planning. Outside of his professional work, James enjoys cooking and baking, participating in family activities, maintaining fitness, watching movies, exploring outdoor adventures, and traveling.