Erica Lehneis is a financial advisor at Merrill with 5 years of industry experience and holds a Series 66 designation. She has worked at Bank of America/Merrill Lynch 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Elvin Diaz Ozuna is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked at State Farm for three years and has held various roles outside financial services, including at Walmart, Crayola Experience, Adobo Latin Kitchen, and Easton Area School District. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Travis Rosa is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Raymond James since 2018. Prior to his advisory role, he spent several years associated with Spring Lake Golf Club. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services supported by extensive research, multiple portfolio management styles, and a range of affiliated asset managers.

Andrew Siwiec is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Bank of America since 2017. 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.

Robert Cundari is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018 and previously at TD Ameritrade from 2014 to 2018. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice 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.

Devashish Shah is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously spent ten years at UBS Financial Services Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Adam Altman is a financial advisor with Charles Schwab, holding a Series 66 designation and 20 years of industry experience. He has worked at Charles Schwab since 2021 and previously held positions at Fidelity Personal and Workplace Advisors and Fidelity Investments. Outside of his advisory role, he is a partner in White Pelican Development, an investment venture focused on multi-family real estate. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining multi-asset model portfolios with alternative investments and centralized custodial services.

Bryant Perez is Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2011, progressing through roles including Relationship Manager and Investment Consultant before his current position since 2016. His professional focus includes market trends, investments, and economic analysis. Bryant emphasizes transparency, education, and empowering clients, aiming to provide value in every interaction and offering a unique perspective. Outside of his professional work, Bryant has personal interests in comedy, fitness, football, pets, and running.

Denis Kenny is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked at Merrill and Bank of America since 2019 and previously held roles at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory role, he serves as an executor in a non-investment-related capacity. 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 a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Munoz is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing before joining Merrill in 2018 and subsequently Bank of America in 2025. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Stefanos Nyktas is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2018. Prior to this, he held roles at Redd Pen Media and Rider University, and he also managed a restaurant business. Outside of his advisory role, he owns and operates a limited liability company involved in residential property investment and management. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

George Christiani is a financial advisor at Fidelity with 31 years of industry experience. He holds the CFP® and Series 63 designations. Prior to joining Fidelity, he worked at TIAA-CREF for 26 years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs, and engages in advisory roles that include portfolio management and fund consulting.

Madeline Mc Nulty is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Her work history includes roles at Merrill as well as positions with Employee Plans Services and academic departments at the University of Maryland. 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, and institutional clients.

Raquel Sutherland is a Financial Advisor with Merrill Lynch Wealth Management, dedicated to prioritizing clients' needs. She focuses on connecting clients with plans and processes tailored to their individual ambitions, assisting with goals such as college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, and small business strategies. Raquel works closely with clients to incorporate their personal perspectives and priorities into wealth planning, striving to simplify and bring transparency to complex investing decisions. Her approach centers on creating personalized plans aimed at helping clients achieve their family’s long-term financial objectives. Outside of her professional role, Raquel’s personal interests include baseball, basketball, football, interior decorating, soccer, spending time with her family, watching movies, and woodworking.

Rohan Puri is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials. He has one year of industry experience and previously worked at Morgan Stanley and JPMorgan Chase Bank, N.A. Prior to his current role, his background includes positions outside the financial sector. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and offers services on a non-discretionary basis, with clients retaining final decision-making authority.

David Winward II is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America and Merrill, as well as varied positions in the service and automotive industries. 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.

James Powner is a financial advisor at Merrill with 32 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999, also affiliated with Bank of America since 2009. 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 across a range of client types, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Priyanka Kanth Singh is a financial advisor at Merrill with six years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at HSBC Bank Plc and HSBC Securities USA, Inc. Outside of her advisory role, Singh serves as a director for Friends of Prayas, a New Jersey-based nonprofit focused on welfare and social issues. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Chris Raimo is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, after joining JPMORGAN Chase Bank, N.A. in 2008. Outside of his advisory role, Raimo serves as a board member and vice president of Ocean Dunes Investments, LLC, a real estate entity. 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 its investment recommendations.

Brian Coelho is a Financial Advisor at Merrill Lynch Wealth Management. He works directly with individuals and families to develop personalized investment plans and tax-efficient retirement strategies. Brian specializes in retirement income planning, IRA rollovers, and integrating investment strategies within the Merrill Lynch and Bank of America ecosystem. He holds a Bachelor's degree in Economics from Pennsylvania State University and has a professional designation as a Personal Investment Advisor (PIA). His professional background includes roles in financial compliance and risk analysis, as well as advisory experience at Equitable Advisors and Merrill Lynch. Outside of his professional work, Brian enjoys activities such as golfing, baseball, ice hockey, running, and traveling. He values preparation, teamwork, and discipline, which he applies in his client relationships.