Lucas Collins is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and previously worked at Merrill and JPMorgan Chase Bank, N.A. Collins also served briefly in the United States Military. 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 recommendations.

Robert Les Jr. is a financial advisor at Morgan Stanley with 31 years of industry experience. He has held roles at Morgan Stanley since 2014, including his current position beginning in 2017. Les holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory and financial planning services that incorporate firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Paolo Cerri is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Santander Securities, LLC, Santander Bank, NA, Family First Funding, and C&J Partnership. He is based in Princeton, NJ. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial product options such as insurance-related vehicles and bank deposit sweep programs.

Maryann Chibbaro is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. She has worked at Morgan Stanley Private Bank 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 variety of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling as part of its comprehensive service approach.

Nathan Raccagno is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Prior to entering the financial industry, he was employed at the University of Mount Olive and the Trenton Country Club. Merrill 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 to individuals, high-net-worth clients, pension plans, and other institutional investors. The firm leverages its integration with Bank of America to access a broad set of investment products and services.

Scott Nadle is a financial advisor with Charles Schwab holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2022, following a 15-year tenure at BlackRock Investments, Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and formal due diligence processes for alternative investments.

Edward Gruber is a financial advisor with Morgan Stanley in Yardley, PA, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside his advisor role, he is the general partner and owner of Broad Street Sports Capital Management, LLC. 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 and financial planning services that utilize structured assessments and approved planning tools to develop tailored financial strategies.

Mark Smalley is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill and Bank of America since 2016. Outside of his advisory role, he works part-time as an independent rideshare driver for Uber and Lyft. 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.

Benjamin Strovinsky is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Before joining Merrill in 2025, he worked in marketing and management roles, including positions at Inkwell Global Marketing and Stryde Management. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration within Bank of America allows access to a broad product platform and related financial services.

Doris Mcgann is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 22 years of industry experience. She has worked at Bank of America and Merrill since 2015. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and charitable organizations. The firm’s integration with Bank of America allows access to a broad suite of products and services beyond typical investment management.

Jack Elias is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at Northwestern Mutual and Bank of America, N.A., as well as work in athletic association administration and education. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Christopher Frey is a financial advisor at LPL Financial with 19 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Waddell & Reed, Inc. for 14 years before joining LPL in 2021. He also operated Frey & Frey LLC and Frey & Frey Properties LLC, the latter involving activities beyond investment advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, supported by research and model portfolios from LPL and third-party providers.

Jessica Ovrutsky is a financial advisor at RBC Capital Markets with 12 years of industry experience. She holds the Series 66 designation and previously worked at UBS Financial Services Inc. for 10 years before joining RBC in 2021. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to clients’ Advisory Risk Profiles and utilizing a combination of in-house and third-party investment managers.

Jacob Nichols is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and has previously worked at SAP and Atrendia ApS. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Michael Cresap is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 1999. Merrill offers managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, providing model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors. The firm operates within Bank of America’s broader platform, offering access to a wide range of products and services.

Brendan O'Reilly is a financial advisor with Ameriprise in Yardley, PA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver tailored recommendations, supported by a centralized consulting team and algorithmic tools.

Daniel Murphy is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Citizens Bank, Cambridge Investment Research, and Quest Capital Strategies. Outside of his advisory roles, he also served as a notary public for several years. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Anthony De Lucia III is a financial advisor with Ameriprise in Trenton, NJ, holding a Series 63 designation and 31 years of industry experience. He has been with Ameriprise and its predecessor firms since 1994. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach, delivering these recommendations through a centralized consulting team in partnership with client advisors.

Jamie Zibelman is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2019, Jamie worked at buybuy Baby for six years. Jamie’s background includes four years at Bank of America, N.A., where Merrill operates as part of the broader corporate platform. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a variety of model-based and discretionary investment strategies implemented by affiliated managers and integrates its services within Bank of America’s corporate platform.

Timothy Hulme Jr. is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Bank of America, N.A. and Merrill since 2013. 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 diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America’s broader platform offers access to a wide range of investment products and services.