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.

Robert Hetherington is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and bringing 20 years of industry experience. His prior roles include positions at Capital Analysts, Lincoln Investment, LPL Financial LLC, New York Community Bank, and JPMorgan Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and operates a multi-manager platform that provides access to affiliated and third-party managers across multiple program structures.

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.

Tristan Manca is a financial advisor with Equitable Advisors holding a Series 66 designation. He has been with the firm since 2026 and has no prior industry experience. His background includes various roles outside finance, such as positions in education and local businesses. Equitable Advisors serves individuals ranging from non-high-net-worth to high-net-worth clients, as well as pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing third-party asset managers and endorsed advisory programs.

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.

Douglas Mouridy is a Financial Consultant at Fidelity Investments. He works with individuals and families to develop personalized financial plans aimed at providing peace of mind. He focuses on building ongoing relationships and serves as a primary advisor to monitor clients' financial plans over time. Douglas has held various roles at Fidelity Investments since 2013, progressing from Financial Representative to Relationship Manager, Investment Consultant, Planning Consultant, and currently Financial Consultant. Prior to joining Fidelity, he gained experience as a Wealth Management Intern at Merrill Lynch in 2011.

Ashley Denis is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has been with Merrill since 1998. 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 a combination of model-based and discretionary investment strategies.

John Von Nessen is a financial advisor at Cambridge Investment Research Advisors with 16 years of industry experience. He holds the Series 66 designation and has worked at Cambridge Investment Research, Inc. and Cambridge Investment Research Advisors since 2019, following prior roles at Purshe Kaplan Sterling Investments and Insight Private Advisors. Outside of his advisory role, he serves as treasurer for the Hillsborough Raiders Touchdown Association and is a board member at Mary Mother of God Church in Hillsborough, NJ. Cambridge Investment Research Advisors serves a broad client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory through independent financial professionals, utilizing proprietary and third-party strategies with various custody and platform options.

Ralph Ades is a financial advisor with Equitable Advisors in Woodbridge, NJ. He holds the Series 66 designation and has five years of industry experience. Prior to joining Equitable Advisors in 2021, he worked at Rutgers University and was involved with Camp Allsport and Hillel Yeshiva. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm uses a range of advisory programs, including third-party models and discretionary management, and offers ERISA fiduciary services through credentialed representatives.

Matthew Cusack is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Merrill since 2015. Outside of his advisory work, he volunteers as a soccer referee and youth coach with the Monmouth Ocean Soccer Association. 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 a range of model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Thomas Laporta is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. His prior roles include positions at Bank of America, Merrill, Santander Securities, and Sovereign Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting both discretionary and non-discretionary account structures across multiple custodial relationships.

Stuart Lesser is a Series 66-licensed financial advisor at Edward Jones in Manalapan, NJ, with 17 years of industry experience. He has been with Edward Jones since 2008. He has residual interests in Vitavet Labs from sales by his late wife. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment options through a nationwide network of over 23,700 financial advisors.

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.

Patrick Rafferty is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Primerica Financial Services since 1991 and Primerica Advisors since 1989. In addition to his advisory work, he receives compensation for referrals related to home security, automation products, and home services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers, uses a tiered wrap fee structure, and delegates trading responsibilities to BNY Mellon Advisors.

Zeeshan Mir serves as a Senior Financial Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management. He has over 35 years of experience in wealth management, having joined Merrill in 2002. His client base includes business owners, medical and legal professionals, corporate executives, and others with growing wealth across the nation. Zeeshan specializes in assisting business owners throughout the stages of the business cycle, offering strategies related to cash management, financing, succession planning, and the implementation of defined benefit or defined contribution plans. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA) awarded by the National Association of Plan Advisors, Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). These credentials enable him to provide fiduciary advisory services to defined contribution and benefit plans. He earned a Bachelor's degree from Rutgers College. Zeeshan resides in Basking Ridge, New Jersey with his wife and two sons. Outside of his professional work, he is a member of the United States Chess Federation and participates in tournament chess. His personal interests include travel, biking, exploring, golf, and involvement with the community organization Girls on the Run.

Lisa Rainforth is a Series 66-licensed financial advisor with Merrill, where she has worked since 2014. She has 12 years of industry experience. Outside of her advisory role, she works as a beauty sales consultant for Mary Kay on a limited basis. 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 both model-based and discretionary investment strategies for individual and institutional clients, including high-net-worth individuals and pension plans.

Brian Sulewski is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, as well as affiliated mutual funds and tax-efficient services.

Angela Romano Cosgrave is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has been with Merrill since 2010. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mahesh Chandwani is a financial advisor with J.P. Morgan Securities in Princeton, NJ, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He has been with J.P. Morgan Securities since 2014. Outside of his advisory role, Chandwani is an investor in healthcare technology and beauty tech companies, including Reveal HealthTech and Onesto Labs. J.P. Morgan Securities 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.