Jared Chud is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. He has worked at Merrill since 2016, including time at Merrill Lynch prior to the firm's rebranding. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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 with support from internal and third-party managers.

Sejal Patel is a financial advisor at Merrill with Series 65 and Series 66 licenses and three years of industry experience. Prior to joining Merrill in 2025, she worked at AT&T Services Inc for five years and held roles at Suntrust Advisory Services, Inc and Portfolio Evaluations Inc. She is also affiliated with Boston University's Questrom School of Business. 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. The firm provides model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Victor Ladolcetta is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, and Equitable Advisors, among others. He is also involved with The Clark Group, LLC, where he provides insurance and financial product sales and services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Robert Moses is a Certified Financial Planner (CFP®) at UBS Financial Services with 26 years of industry experience. He has been with UBS since 2000. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management to provide a broad range of services.

F Shannon IV is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been a team member since 2006. Prior to joining Merrill Lynch, he gained experience at Legg Mason and Smith Barney. Shannon specializes in family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds a Bachelor's degree from the University of Maryland, College Park, and has earned the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor designation. Shannon serves on the Board of Trustees of the Naval Academy Primary School in Annapolis, Maryland. Residing in Annapolis with his wife, Sarah, and their three children, Shannon enjoys boating, golfing, music, traveling, and spending time with his family.

Christopher Rieger is a financial advisor at Merrill with 22 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Financial Engines Advisors L.L.C. and Bank of America. 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 with model-based and discretionary investment strategies.

Thomas Dziubek Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 registrations and bringing 14 years of industry experience. His career includes roles at Cetera Wealth Services, VOYA Financial Advisors, and Falzone Financial Services. Outside of his advisory work, he operates as an Independent Insurance Agent and owns TJD Financial Services LLC, which offers insurance, securities, investment products, and personal tax preparation. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients. The firm provides a range of portfolio management, financial planning, and retirement services through a multi-manager platform with discretionary and non-discretionary program options.

Ronald Williams is a CFP® professional with 35 years of experience in the financial industry. He currently serves as an advisor at Cetera and has prior experience with First Allied Advisory Services, Inc. and First Allied Securities, Inc. Outside of his advisory role, he is a real estate sales associate with Weichert Realtors and operates his own business under True North Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors, utilizing a multi-manager platform that includes both affiliated and third-party managers.

Jeffrey Davidson is a CFP® professional with 23 years of experience in the financial services industry. He has been with Wells Fargo Advisors since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses Wells Fargo research, planning tools, and simulation models to develop tailored recommendations for clients.

Madison Saurman is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads the team Saurman, Sciascia, Maher & Associates. He provides sophisticated, goals-based wealth management advice and focuses on risk management, retirement income strategies, long-term care planning, wealth transfer and estate planning, concentrated stock strategies, customized lending solutions, and philanthropic and legacy planning. His approach involves close collaboration with clients' attorneys, tax professionals, and insurance advisors to simplify and clarify their financial lives. Madison began his wealth management career in 1995 at Smith Barney and joined Merrill Lynch Wealth Management in 2009. He holds the CERTIFIED FINANCIAL PLANNER (CFP) and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designations, in addition to being a Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC). He earned his Bachelor's degree from West Virginia University and completed executive education courses at the Wharton School of Business, Harvard Business School, and Yale School of Business. A native and lifelong resident of Bucks County, Madison resides in Washington Crossing with his wife, Beth, and their daughter. He is a past President of the Newtown Rotary Club and coaches youth soccer with Coach Patriot FC. His personal interests include whitewater kayaking, playing golf, running, and supporting the Philadelphia Eagles and West Virginia Mountaineers.

Melissa Karwoski is a financial advisor with Charles Schwab in Princeton, NJ, holding a Series 66 designation and 18 years of industry experience. Her prior roles include five years with Prudential Investments and its related entities. Outside of her advisory work, she operates Sugar Lion & Sprinks, a small food and beverage business featuring homemade desserts shared and occasionally sold via social media. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment solutions alongside integrated brokerage, custody, and financial planning services.

Nicholas Pulli is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and six years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2019. Prior to his current role, his work history includes positions at MFS Investment Management and Constellation Brands. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in assets and employs a structured planning process using firm-approved tools and modeling techniques.

Kyle Elfstrom is a financial advisor at Merrill with 17 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2008 and at Bank of America, N.A. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Kushner is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. He has been with Raymond James & Associates since 2012. Outside of his advisory role, he is a partner and investor in the restaurant Farmer's Keep in Philadelphia. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by affiliated research and model managers.

Brian Leone serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in areas such as college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. Brian applies his expertise to help clients develop individual and corporate investment strategies, retirement income planning, and supports women and wealth initiatives. Prior to his current role, Brian transitioned from a background in education, holding a bachelor's degree from Temple University, to financial services. He holds professional designations including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). Brian is experienced in developing tailored financial strategies addressing diverse client needs and priorities. Outside of his professional work, Brian enjoys spending time with his family and has interests in baseball, basketball, football, music, soccer, and softball.

Brandon Wasitowski is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill, he has held various roles in sports and education-related businesses, including involvement with multiple lacrosse organizations and academic institutions. 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 both model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutional investors.

Aimee Conway is a Series 66 licensed financial advisor with Merrill, where she has worked since 1999. She has 24 years of industry experience and is based in Pennington, New Jersey. 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 plans, corporations, and charitable organizations.

Greg Hoser is a Series 66 credentialed financial advisor with Merrill, based in Pennington, NJ. He has 19 years of industry experience and has been with Merrill for 21 years. 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.

Yoshamel Gerald is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, he worked at Bank of America, N.A., and has a varied background including positions at ETS/Adecco and in the casino industry. 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.

Rebekah Schmierer is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2018. Prior to that, she was employed at New Jersey Manufacturers Insurance Company, The College of New Jersey, and The Philly Pretzel Factory. 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 client types, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.