Thomas Panebianco Jr. is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1992. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Matthew Greiner is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 13 years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Bank of America and Merrill for 12 years. 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 select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory with brokerage, distribution, and investment management capabilities.

Barry Duran Harris is a financial advisor at Merrill with 22 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2004. In addition to his advisory role, Harris serves with the North Brunswick Democratic Organization, representing local residents' needs to the committee. 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.

Rong Diao is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank, N.A. and Raymond James & Associates. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in their recommendations.

Oliver Hannay is a Series 66 credentialed financial advisor with Merrill, based in Pennington, NJ, and has 23 years of industry experience. He has been with Merrill Lynch since 2003. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nidhi Bhan is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. She has been affiliated with Bank of America and Merrill since 2006. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Matthew Di Simone is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held various roles in the hospitality sector and has work experience in education. Equitable Advisors serves individual and institutional clients with financial planning, retirement plan consulting, and asset-management programs, utilizing a network of Investment Adviser Representatives and third-party asset managers to deliver customized investment solutions.

Michael Mema is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He previously served as a Financial Consultant at Fidelity Investments from 2019 to 2022. Prior to joining Fidelity, Michael held roles at Bank of America Merrill Lynch, including Vice President, Internal Product Specialist from 2016 to 2019 and Assistant Vice President, Financial Advisor from 2014 to 2016. As a CFP® professional, Michael specializes in providing comprehensive financial guidance to high-net-worth individuals and families. His expertise includes crafting tailored retirement and income plans, implementing strategic investment strategies, analyzing equity compensation, and integrating estate planning considerations for a holistic planning approach. He focuses on building long-term relationships and empowering clients with the tools needed to pursue financial success and peace of mind.

Joshua Flesch is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America and Dworetsky Financial. Outside of advising, he is a general partner and managing member of a for-profit entity called NJ Wire Guys. Merrill, along with its affiliate Managed Account Advisors LLC, 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 for individuals, high-net-worth clients, and institutions.

Jonathan Weitzman is a financial advisor with Cetera, holding a Series 66 designation and having two years of industry experience. His background includes roles at Ernst & Young and King Financial Network, where he currently serves as a wealth management advisor. He also holds a board fiduciary position at Fairleigh Dickinson University's Silberman College of Business. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting multiple program structures and custodial relationships.

Sonia Patel is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Merrill since 1999. In addition to her advisory role, she serves as a trustee for a family life insurance trust and is an owner and officer of Xlent Strategies, LLC, a limited liability company involved in bookkeeping. 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.

Marcus Bolton is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work history includes roles at Bank of America, Target Transportation, CDW, FedEx Ground, and Rutgers Recreation. 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 a range of clients including individuals, high-net-worth clients, and charitable organizations.

Christopher Renaud is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals and companies to develop disciplined financial strategies focusing on wealth creation, preservation, and transfer. Christopher specializes in areas including college education planning, corporate benefits, divorce transition planning, defined benefit and contribution plans, legacy and philanthropic planning, portfolio management, and tax minimization. He holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher earned a Bachelor's degree in Business Economics from Rutgers University. Christopher resides in Monroe, New Jersey with his wife Heather and their three children: Connor, Cole, and Charlotte. His personal interests include baseball, basketball, bowling, dancing, football, music, painting, racquetball, spending time with his family, and watching movies.

Francis Gramlich is a Series 66-licensed financial advisor at Merrill with 23 years of industry experience. He has been with Merrill since 2002. 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.

Melissa Jenkins is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill since 2015. 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.

Meredith Vergara is a financial advisor with Merrill, holding a Series 66 designation and 26 years of industry experience. She has been with Merrill since 2001 and has also worked at Bank of America, N.A. since 2015. 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 developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Karen Klukososki is a Series 66 licensed financial advisor with 15 years of industry experience. She has been with Merrill since 2006. 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 a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Victoria Nelson is a Series 66-licensed financial advisor at Merrill with seven years of industry experience. She has worked at Merrill since 2019 and previously held positions at Cape May Sweet House, Rider University, and Harbor View Restaurant. 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 institutions.

Joseph Buono is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2019. His prior experience includes roles at Rider University, Rutgers University, and Mercer County Community College. 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, institutions, and charitable organizations, utilizing internal and third-party managers to implement customized portfolio solutions.

Elizabeth Dahme is a financial advisor with Merrill, holding a Series 63 designation and 46 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2007 and Bank of America since 2009. Outside of her advisory work, she holds a fiduciary role as a power of attorney for a family member. 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 tailored to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.