Mark Spina is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been associated with PFS Investments Inc. and Primerica Financial Services since 2010. Outside of traditional advisory roles, Spina is the owner and president of Focused on Integrity Inc., a business related to Primerica's operations. Primerica Advisors sponsors and manages a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies supported by third-party asset managers and custodians.

Thomas Kim is a financial advisor at Merrill with 37 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His career includes long-term tenures at both Bank of America and Merrill. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional entities.

Randi Snyder is a financial advisor at Merrill with 30 years of industry experience. She has held her current position at Merrill since 1995 and holds Series 63 and Series 66 licenses. 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 developed by internal and third-party managers.

Elizabeth Luckenbill is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, she worked at Ross Stores Inc for ten years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Timothy Kinley is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 2015 and has developed expertise in various areas including education planning, executive compensation, equity compensation services, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Tim holds a Bachelor's Degree from Pennsylvania State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He believes that managing wealth involves collaborating with clients to define what matters most as they prepare for the next stage of life, focusing on key life priorities such as family, finances, health, home, leisure, work, and giving. Outside of his professional role, Tim enjoys trail running and spending time with his family.

Joseph Quinlan is a financial advisor with Merrill in Doylestown, PA, holding Series 63 and Series 66 licenses and having 18 years of industry experience. He has been with Bank of America and Merrill since 2003. Outside of his advisory role, Quinlan is a non-resident fellow at the German Marshall Fund and Johns Hopkins University Center for Transatlantic Relations, where he participates in economic conferences focused on global economics and finance, and he serves as an adjunct professor at Fordham University. He is also under contract with John Wiley & Sons to co-author a book on Gender Lens Investing. 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 strategies managed by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Shane McMahon is a CFA® charterholder and Series 63 licensed advisor with five years of industry experience. He is currently with Ameriprise and has prior experience at firms including Goldman Sachs, JPMorgan Chase & Co., and Charles Schwab. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Nicholas Digregorio is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill and Bank of America since 2010. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alexander Betancur is a Series 66-registered financial advisor with Merrill, based in Pennington, NJ, with one year of industry experience. His prior experience includes roles at Bank of America Merrill Lynch and EMT Solar and Roofing. 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 with model-based and discretionary investment strategies.

James Boyd is a CFP® professional with 23 years of experience, currently serving at Mass Mutual Investors Services since 2021. He previously worked at Park Avenue Securities and Guardian Life Insurance Company, accumulating nearly a decade of experience at each. In addition to his advisory role, he is an insurance agent specializing in life, disability, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and supports a range of investment and planning programs.

Robert Formisano is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2012 and 2015, respectively. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-based financial planning services.

Karyu Chou is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2014 and holds a Series 66 credential. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Grant Holdren is a CFP® professional with 22 years of experience in the financial services industry. He has worked with Cambridge Investment Research Advisors and related entities since 2012 and has held roles at Allied Financial Advisors, LLC since 2004. Outside his advisory work, he serves as treasurer and board member for the Estates of Whitemarsh Hills HOA and is involved with educational scholarship activities through BLOCS Scholarship LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, pension plans, and charitable organizations. The firm provides financial planning and investment management through a network of independent professionals, offering both discretionary and non-discretionary portfolio management and access to proprietary and third-party strategies.

Roland Mcduell is a financial advisor with Cetera and holds Series 63 and Series 65 licenses. He has 27 years of industry experience, including a long tenure at Avantax Investment Services and ownership of his own tax preparation and accounting practice. Outside of advising, he is involved in tax preparation and bookkeeping through his businesses. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning options, supporting both discretionary and non-discretionary investment authorities.

Pablo Diatel is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2012. 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.

Richard Disammartino Sr. is a financial advisor at LPL Financial with 43 years of industry experience. He has previously worked at Wells Fargo Clearing, Wells Fargo Advisors, and Stifel. Outside of his advisory role, he owns Maggie's Farm Woodworks, a business unrelated to investing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies across multiple asset classes.

Bonnie Powell is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2008 and Bofa Distributors, Inc. since 2011. Outside of her advisory role, she is the owner and president of Bonnie Powell Associates, LLC, a family business, and holds a 10% ownership interest in a small record label started by her daughter. 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 clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Natalia Oliver is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 licenses and four years of industry experience. She has prior work experience at Bank of America and JPMorgan Chase Bank, N.A. Outside of her advisory role, she owns Legacy Coffee LLC, a business that imports roasted coffee beans for local cafés. 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.

Richard Polimeni is a financial advisor at Merrill with Series 63 and Series 66 credentials and 37 years of industry experience. He has been with Merrill Lynch & Co., Inc. since 2002. Outside of his advisory work, he serves as Chair of the executive committee for the College Savings Foundation, a nonprofit organization focused on education savings programs, and participates on an advisory group for the Municipal Securities Rulemaking Board related to 529 savings plans and ABLE programs. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors. The firm integrates strategic asset allocation with support services including trading, account administration, and custody.

David Felker is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Yardley, Pennsylvania. He joined Merrill Lynch in 2009 following 13 years with Smith Barney. David specializes in providing customized wealth management strategies for individuals, affluent families, businesses, and non-profit organizations, focusing on long-term client relationships built through a disciplined, personalized process. David's approach involves personal consultations to identify clients' financial goals and priorities, followed by the development and implementation of tailored strategies utilizing a range of investment tools. He holds the Personal Investment Advisor (PIA) designation and is affiliated with Merrill Lynch. David was born in Bethlehem, Pennsylvania, attended Bethlehem Catholic High School, and studied at Temple University in Philadelphia. Beyond his professional work, David has been actively involved in his community, including roles such as former President of the Council Rock Newtown Athletic Association and current staff member of Pennsylvania District 30 Little League. He participates in several organizations, including the Bethlehem Catholic High School Alumni Association, Temple University Athletic Boosters, and The Hun School of Princeton. David also engages in motorsports as an amateur race car driver and high performance driving instructor, and he enjoys golf, sports, and reading. He lives with his wife, Amy, and their three children.