Megan Cooney is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has been with Merrill and Bank of America, N.A. since 2016. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Michael Aprigliano is a financial advisor at Merrill with 22 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at JP Morgan Securities, LLC and JP Morgan Chase Bank from 2016 to 2022, as well as at Wells Fargo Advisors and Wells Fargo Bank from 2015 to 2016. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers model-based and discretionary investment strategies integrated within Bank of America’s broader platform.

Theodore Agelis Jr is a financial advisor with Primerica Advisors in Oakland, NJ, holding Series 63 and Series 65 registrations and with 18 years of industry experience. He has worked at PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. He is also involved in the sale of loan products and home security services through affiliates of PFS Investments Inc. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices and delivers advisory services using model-based strategies supported by third-party asset managers.

Michael Sander is a financial advisor with LPL Financial in Tarrytown, NY, holding a Series 63 designation and 21 years of industry experience. Prior to joining LPL Financial in 2017, he worked at National Planning Corporation from 2004 to 2017. He is also involved with The Creative Planners Group, Ltd., where he has been active since 2003. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services, supported by research and model portfolios from internal and third-party sources.

Kevin Fay is a financial advisor with Wells Fargo Clearing and holds Series 63 and Series 65 credentials. He has 34 years of industry experience, including 12 years at Oppenheimer prior to joining Wells Fargo Clearing in 2020. He also serves as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Marc Rienas is a financial advisor at Ameriprise in Danbury, CT, holding a Series 66 designation with three years of industry experience. His prior work includes roles at PricewaterhouseCoopers, Northeastern, and John Hancock Financial. Outside of his advisory duties, he works as an Uber driver. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Andrew Di Nardo is a financial advisor with J.P. Morgan Securities in Hartsdale, NY. He holds Series 63 and Series 66 licenses and has eight years of industry experience. Prior to joining J.P. Morgan Securities and JP Morgan Chase Bank in 2021, he worked at Iron Birch Advisors and Ameriprise Financial Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm offers asset-allocation advice, investment manager searches, and customized performance reporting, utilizing a process that combines quantitative modeling with centralized due diligence and integrates ESG criteria in its recommendations.

Lori Sackler is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets. Outside of her advisory role, Lori is the creator and host of a radio show and author of "The M Word," a book she continues to develop, and she serves on several nonprofit and community boards, including the Martha Graham Dance Company and the New Jersey Israel Commission. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning through structured discovery and firm-approved tools, with approximately $2.74 trillion in client assets under management.

Edgar Lee is a financial advisor with Equitable Advisors, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2006 and previously worked at Axa Advisors, LLC until 2020. Outside of his advisory role, Lee is involved in healthcare-related business activities, including work with a general agency for health care and insurance brokerage. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to client goals and risk tolerance.

Jon Salmanson is a financial advisor at Cambridge Investment Research Advisors with 42 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Cantella & Co., Inc. and Northeast Securities, Inc. He is also president of Hubble Wealth Management, a financial services firm. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors, providing financial planning, investment management, and retirement plan advisory through a network of independent financial professionals.

Michael Carbone is a Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2024. Prior to this role, he gained over eight years of experience in the financial technology and real estate sectors, which equipped him with a comprehensive understanding of customer needs and modern investment opportunities. His expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, special needs planning, and retirement income. Michael approaches wealth management with a thoughtful and forward-looking perspective, emphasizing personalized guidance. He works closely with individuals and families to understand their unique situations and priorities, such as retirement planning, business opportunities, and long-term wealth building. He develops customized strategies utilizing the resources of Merrill and Bank of America, maintaining active engagement to provide ongoing guidance and adjustments as clients' circumstances evolve. Born and raised in the tri-state area, Michael holds a bachelor's degree from the University of Scranton and has earned the Personal Investment Advisor (PIA) designation. He resides in Essex County with his wife and enjoys engaging in his community, improving his golf game, and spending time with his family.

Thomas Mc Cullum is a financial advisor with Merrill, holding Series 66 and Series 63 registrations and 22 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith since 2019, previously spent two years at Stifel Nicolaus & Co., and sixteen years at David Lerner Associates. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm integrates its investment services with Bank of America’s broader corporate platform, providing access to a wide range of products and services.

Kyle Hanselman is a CFP® professional with 14 years of experience in financial services. He is currently affiliated with Raymond James Financial and also works with Saddle River Financial Group. Prior to this, he spent over a decade at Park Avenue Securities and Guardian Life Insurance Company of America. Outside of his advisory role, he is involved in wedding sales and operations at Crossed Keys Estate. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, with a distinctive focus on advisory and implementation support rather than discretionary management.

Scott Aber is a financial advisor with Cetera, holding a Series 63 designation and 25 years of industry experience. He is also the owner of Scott M. Aber CPA PC, providing accounting and tax services since 1998, and serves as president of Bookkeeping Chef Inc., an online bookkeeping business. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients, offering portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Matthew Dellamura is a financial advisor at Fidelity with two years of industry experience. He holds the Series 66 designation and has previously worked at Le Chateau, M&T Bank, Instacart, and Villa Barone. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as a registered commodity pool operator with formal advisory roles to multiple registered investment companies.

Don Goldstein is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 27 years of experience in the financial services industry. He specializes in working with high net worth individuals and small business owners, focusing on developing diverse and disciplined long-term investment strategies. Don’s approach centers on identifying clients’ financial goals and creating personalized plans to help them pursue those objectives over time. Throughout his career, Don has concentrated on areas such as college education planning, family wealth management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor’s Degree from Fairleigh Dickinson University and the Professional Investment Advisor (PIA) designation. In addition to his professional work, Don dedicates time to community involvement, reflecting the Merrill tradition of local service. His personal interests include boating, golfing, skiing, and traveling. He emphasizes working closely with clients one-on-one to tailor financial strategies that align with their long-term goals.

Dara Hubbard is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for five years before joining Merrill in 2017. Outside of her advisory role, she is employed as a receptionist at Ramsey Veterinary Hospital. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a broad range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Vipul Mallick is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Cambridge since 2013 and serves as an independent insurance agent. Additionally, he is a board member director of NY Bio Healthcare Pvt Limited, a distributor of disposable medical devices. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent financial professionals, employing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Rickey Black is a financial advisor with Primerica Advisors in Englewood, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with PFS Investments Inc. since 2013 and with Primerica Financial Services since 2012. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers while maintaining oversight of portfolio models and trading implementation.

Antoine Ojeil is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and having 11 years of industry experience. His prior roles include positions at Citi Private Alternatives and Citigroup Global Markets. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers a range of investment strategies implemented by Managed Account Advisors LLC and features integration with Bank of America’s corporate platform.