Yunghua Ma is a financial advisor at Merrill with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Bank of America, N.A. and HSBC Bank USA, N.A. prior to her current role. 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 supported by internal Chief Investment Office teams and third-party managers for a range of clients including individuals, high-net-worth clients, and institutional investors.

James Gargiulo is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 30 years of experience in the financial industry, with a background that includes 15 years at Morgan Stanley as an equities market maker, trading and managing risk for large institutional clients. Following that, he spent more than nine years as a Private Client Advisor at JPMorganChase, supporting individuals, trusts, estates, and small businesses. Since joining Merrill in 2019, James continues to provide personalized wealth management strategies tailored to his clients’ unique financial goals. His areas of expertise include education planning, family wealth management, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, investment strategy, tax minimization, and retirement income. James holds a Personal Investment Advisor (PIA) designation and earned a Bachelor’s Degree from LIU CW Post. James is actively involved in his community, volunteering with organizations focused on children and charity through his local community church. Outside of his professional commitments, he engages in various personal interests including adventure sports, baseball, biking, dancing, football, ice hockey, music, soccer, traveling, and watching movies.

Christian Casaburro is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he worked at Ameriprise Financial Services, LLC. Outside the financial industry, he was involved with the Haunted House of Hamburgers in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team, with recommendations that can incorporate an ESG eligibility framework.

Nicholas Caiafa is a financial advisor with Ameriprise in Garden City, NY. He holds a Series 66 designation and has been in the industry since 2022. Prior to joining Ameriprise, he worked at Axiom Markets, LLC from 2010 to 2019. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations through a centralized consulting team.

Edward Madruga is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. He has been with Fidelity Investments since 2005, progressing through roles including Financial Planning Consultant and Investment Consultant. Prior to joining Fidelity, Edward worked at Bank of America as a Financial Consultant and held financial executive positions at Quick and Reilly and Citicorp Investment Services. Edward focuses on understanding his clients' financial situations to provide them with information, services, and products aimed at helping them achieve their financial goals. His professional experience spans financial consulting, planning, and investment advisory roles. Outside of his professional work, Edward enjoys baseball, beach activities, concerts, football, reading, and traveling.

Qian Rong is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been affiliated with Merrill and Bank of America since 2011. There are no notable outside business activities reported. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Louis Levy is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He has held leadership roles including Chief Executive Officer of North Ridge Wealth Planning LLC and President & CEO of North Ridge Insurance Services LLC. His experience also includes work at North Ridge Insurance Services and Cetera Wealth Services. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform supported by over 10,000 advisors nationwide.

Angelo Magoulas is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2019. Prior to that, he was affiliated with Kuttin Wealth Management and has seven years of experience in the hospitality sector. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Alan Winter is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 licenses and has 10 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and JP Morgan Securities LLC since 2019, and previously worked at Park Ave Securities and Forest Hills. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence with both quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Meaghan Cody is a financial advisor with Ameriprise Financial Services, holding Series 66 and Series 65 designations and 10 years of industry experience. She has been with Ameriprise since 2014, working within both Ameriprise Financial Services, Inc. and Ameriprise Financial Services, LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement-income planning through detailed Recommendation Reports and ongoing advice focused on income reliability and tax-efficient withdrawal strategies.

Eric Taylor is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. He has been with LPL Financial since 2014. In addition to his advisory role, Eric is an attorney specializing in estate planning, including wills, trusts, probate, and traffic court matters. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary strategies.

Stephen Rizza is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 32 years of industry experience. He has been with Primerica Advisors since 1994 and with Primerica Financial Services since 1993. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies managed by third-party asset managers and supports clients with discretionary portfolio management and custodial services.

Shi Jin is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Shi works with professionals, business owners, and families to simplify complex financial decisions and develop long-term strategies for building, preserving, and transferring wealth. Shi's approach involves understanding clients' goals, values, and life priorities to align their financial resources effectively. Shi brings experience across banking, investment advisory, and wealth management. Expertise includes general investing, retirement planning, and preparing for unexpected financial needs. Shi holds professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Shi earned a Bachelor's Degree from Ohio State University and is proficient in both English and Chinese. Beyond professional responsibilities, Shi participates in community efforts such as Habitat for Humanity.

Irene Khane is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds a Series 66 designation and has worked previously at Merrill, Morgan Stanley, and Morgan Stanley Private Bank. Outside of her advisory role, she is an owner of Comprehensive Infusion Therapy LLC, a health services business providing vitamin infusion services at home. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines systematic quantitative screens and qualitative research to build model asset allocations, incorporating an ESG eligibility framework when applicable.

Thomas Nastasi is a Wealth Management Advisor and a founding partner of the Nastasi-Silver Group at Merrill Lynch Wealth Management. With more than 35 years of experience in the financial services industry, he has spent the past 30 years providing comprehensive wealth management as a CERTIFIED FINANCIAL PLANNER® professional. Tom co-leads a seasoned team dedicated to helping high-net-worth individuals and families achieve their important life goals through customized financial planning, investment strategy, and long-term wealth solutions. He holds both a Bachelor's and Master's degree in Finance from St. John's University. Tom's expertise encompasses family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. His approach emphasizes thoughtful guidance, personalized service, and building enduring relationships rooted in trust and accountability. Tom resides in Garden City, New York, with his wife, Michele, and they have three adult daughters. He is actively engaged in his community through volunteering, coaching, and charitable involvement. Tom also serves as a director on the board of his Property Owners Association, reflecting his commitment to both his personal and professional life.

Scott Millman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 20 years of experience in the financial services industry, having started his career in 2000 as an intern at Morgan Stanley. Throughout his career, Scott has worked closely with his clients to understand their goals and design personalized financial plans aimed at achieving those objectives. He specializes in areas such as education planning, services for defined benefit plans, legacy planning, liquidity management, personal retirement planning, small business strategies, tax minimization, and retirement income. Scott holds a Bachelor's Degree from the University of Rhode Island and is a CERTIFIED FINANCIAL PLANNER® professional. He also holds additional professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). Scott emphasizes the importance of working one-on-one with clients to develop personalized financial strategies tailored to their long-term goals. In addition to his professional work, Scott follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. His personal interests include baseball, football, golfing, reading, skiing, and soccer.

Philip Canzoneri is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and with 31 years of industry experience. He has been with Wells Fargo Advisors since 2015. He is the sole owner of Second Level Wealth LLC, an investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and investment recommendations, supported by Wells Fargo research and planning tools, with planning engagements typically tailored and discrete.

Christopher Mueller is a financial advisor at Merrill with a Series 66 credential and six years of industry experience. His prior roles include positions at Neuberger Berman, Equitable Advisors, AXA Advisors, and Bank of America. 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.

Melissa Cantoral is a financial advisor at Merrill with 12 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at JP Morgan Securities LLC and JPMorgan Chase Bank. 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 using model-based and discretionary investment strategies.

Jeanette Colby is a financial advisor with Cetera in Westbury, NY, holding a Series 63 designation and nine years of industry experience. She has worked with Cetera since 2019 and previously with Foresters Advisory Services and Foresters Financial Services. Outside of her advisory role, she spends time assisting with Medicare Advantage plans. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with multiple program structures and access to third-party money managers.