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.

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.

Oliver Gordon is a financial advisor at Merrill with 11 years of industry experience. He has held his current role at Merrill since 2016 and holds Series 63 and Series 66 designations. 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.

Barry Gessner is a financial advisor at Osaic with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. since 2003. In addition to his advisory role, he serves as President and majority shareholder of X-Pando Products Company, Inc., and is a volunteer Board of Directors member and investment committee participant at Frankford Friends School, a private Quaker school. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, portfolio management, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and strategies implemented by its advisors.

James Balsamides is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2006 and Bank of America, N.A. since 2011. 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.

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.

Nathan Lewis is a financial advisor with Merrill, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Merrill, he worked at Middletown Country Club and has experience in various service and recreational businesses, including Capt'n Jacks Island Grill and Lang's Ski 'N Scuba. 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 investors, and institutions.

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 at Merrill with 24 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2018, following a 17-year tenure at Blackrock Investments, Inc. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Leonardo Ramos is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and six years of industry experience. He has worked with Merrill since 2019 and has been associated with Bank of America entities since 2018. Outside of his advisory role, he works as an independent contractor delivery driver for DoorDash. 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 institutions.

Peter Thomson is a financial advisor with Merrill based in Pennington, NJ. He holds Series 63 and Series 66 licenses and has 34 years of industry experience. His career includes roles at TD Waterhouse since 2004 and Bank of America, N.A. since 2011. 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.

Cheryl Fuentes is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill Lynch since 2008. 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.

J. Michael Seymour is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Sagepoint Financial, Inc., OSAIC Services, Inc., Sunamerica Securities, Inc., and Morgan Stanley Dw Inc. Outside of his advisory roles, he is involved as an owner of UNI Private Wealth Strategies, providing insurance and fixed annuity recommendations and ongoing monitoring for clients. OSAIC serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization with a broad range of investment programs and a complex network of affiliated firms.

Matthew Cusack is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 11 years of industry experience. He has worked at Merrill since 2015. Outside of his advisory role, Cusack volunteers as a soccer referee and coach for the Monmouth Ocean Soccer Association, a nonprofit organization. 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.

Casey Startzell is a CFP® professional with 13 years of industry experience, currently advising at OSAIC since 2023. Prior to joining OSAIC, he worked for 11 years at FSC Securities Corporation. Outside of his advisory role, he owns a tax preparation business serving individuals, families, and small businesses. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process that incorporates asset allocation, portfolio optimization, and multiple managed account options.

Kristen Peterson is a financial advisor at Merrill with 22 years of industry experience and holds a Series 66 designation. She has been with Merrill 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Dominguez is a financial advisor at Fidelity with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked extensively within Fidelity and its affiliates since 2006, including roles at Fidelity Investments and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments firm, provides investment management and advisory services to retail and institutional clients as well as registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and manages various advisory and fund services, including oversight of affiliated sub-advisers.