Karl Conrad is a financial advisor at Merrill with 22 years of industry experience. He has been with Merrill since 1997 and holds Series 63 and Series 66 licenses. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sara Lemley is a Series 66 licensed financial advisor with Merrill in Pennington, NJ, having 11 years of industry experience. She previously worked at Oppenheimer for five years before joining Merrill in 2019. Merrill, together 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 with model-based and discretionary investment strategies developed by internal and third-party managers.

Jerry Schapira is a financial advisor with Stifel in Yardley, PA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Stifel since 2007. Stifel serves a broad range of clients including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology through its Investment Strategy Group to provide asset allocation and planning analyses, while clients retain discretion over implementation.

Scott Schwartzman is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has been with PFS Investments Inc. and Primerica Financial Services since 2010 and 2011, respectively. Outside of his advisory role, Schwartzman provides bookkeeping and tax services for individuals and nonprofit organizations on a part-time basis. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-driven strategies and separately managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers, maintaining oversight of model selection and implementation.

Karl Falkenstein IV is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Angela Augustine is a financial advisor at OSAIC with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Securities America Inc. and Securities America Advisors for 15 years. Augustine Financial Group, where she serves as president, focuses on life insurance and fixed annuities. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to multiple managed account platforms and third-party money managers. The firm utilizes advanced asset-allocation and risk assessment tools to construct customized portfolios across various asset classes.

Kiranmai Ganti is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she worked at Bank of America and Educational Testing Service. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Filippo Maiello is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 credentials and 18 years of industry experience. His career includes roles at Bank of America, Santander Securities, and Vivint Solar. Outside of his advisory work, he has performed part-time work for Uber. 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 a range of individual and institutional clients.

Michael Jones is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2010. With over 20 years of experience, he collaborates with his team to develop customized wealth and financial strategies tailored to the individual needs and goals of each client. His areas of focus include education planning, family wealth management strategies, managing new wealth, philanthropic planning, portfolio management services, tax minimization, and retirement income. Michael holds the Chartered Financial Consultant (ChFC) designation and is a Personal Investment Advisor (PIA). He earned his high school diploma from Totino Grace and attended the University of Minnesota System without obtaining a degree. Originally from Kentucky, Michael and his family reside in Laguna Niguel. Outside of his professional work, he enjoys boating, cooking, fishing, golfing, and reading.

Gerasimos Melissaratos is a Branch Leader at Fidelity Investments, a role he has held since 2020. Prior to this, he served as a Branch Leader at TD Ameritrade from 2018 to 2020 and as a Senior Financial Consultant there from 2014 to 2018. His professional focus includes coaching and developing teams to deliver exceptional client experiences, emphasizing engagement and knowledge among associates. He is committed to fostering an environment that supports both associates and clients. Outside of work, Gerasimos is interested in family activities, fitness, social events, reading, traveling, and volunteering.

Vito Depalo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his commitment to providing personalized financial guidance. Vito earned a Bachelor's Degree from the State University of New York at Oswego, which underpins his expertise in the financial services industry. His role focuses on assisting clients with wealth management strategies tailored to their individual investment goals.

Paul Kolano is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1999. Outside of his advisory role, he serves as an advisory board member and trustee for Catholic Charities, Diocese of Trenton. 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 charitable organizations.

Robert Diprato is a Series 66-credentialed financial advisor with Merrill, based in Pennington, NJ. He has 31 years of industry experience and has been with Merrill since 1989. Outside of his advisory role, he serves as an advisory board member for UCP of Hudson County, a nonprofit organization providing advocacy and support services in northern 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeffrey Boyarsky is a financial advisor at Equitable Advisors with 47 years of industry experience. He has been with Equitable Advisors since 1999, including time at its predecessor firm, Axa Advisors. Outside of his advisory role, he is a licensed residential real estate referral representative. Equitable Advisors serves individual clients across the wealth spectrum, pension and profit-sharing plans, corporations, and charitable organizations. The firm emphasizes financial planning, retirement plan consulting, and asset management through a network of advisers and third-party managers, offering a variety of investment options including mutual funds, ETFs, and alternative investments.

Vaughn Woodard is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2013. 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 and supports a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Wick is a financial advisor with Morgan Stanley, holding a Series 66 designation and 25 years of industry experience. His work history includes roles at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2006. Outside of his advisory work, he is involved in a real estate business owning rental properties in Belmar, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning that utilizes structured discovery conversations and advanced modeling tools.

Jean Wiegner is a financial advisor at Merrill with a Series 63 designation and 45 years of industry experience. He has been with Merrill since 1978 and concurrently has worked at Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a committee member on the finance committee of the Nassau Club, a charitable organization in Princeton, New Jersey. 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 developed by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Salvatore Ruffino is a financial advisor with Merrill based in Pennington, NJ, holding Series 63 and Series 66 licenses and having 12 years of industry experience. His work history includes roles at Bank of America, Merrill, and Wells Fargo in various capacities. He is also the owner of OJR Holdings LLC, a limited liability company. Merrill, together with 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 and profit-sharing plans, corporations, and charitable organizations.

Michael Gonzalez is a financial advisor at Merrill with three years of industry experience and holds a Series 66 designation. His prior work includes roles at Shoprite, the National Winter Activity Center, and Marist College. He has also worked in various capacities at educational institutions and recreational facilities. 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 various organizations.

Avasarala Rao is a financial advisor at OSAIC with 29 years of industry experience. He holds the CFP® and ChFC® designations and was previously with Woodbury Financial Services, Inc. for 13 years. In addition to his advisory role, Rao offers fixed life insurance, disability insurance, and fixed annuities to clients on an as-needed basis. OSAIC serves a broad range of retail and institutional clients through an extensive network of affiliated advisors, providing integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs advanced asset-allocation tools and supports both discretionary and non-discretionary portfolio management.