Ryan Carson is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at Bank of America, Pitt Ohio LLC, and Lincoln Financial Network. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rosana O'Brien is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2020 and at Bank of America, N.A. from 2024 to the present. Outside of finance, she has experience with A.C Amoore Arts & Crafts from 2013 to 2020. 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 both model-based and discretionary investment strategies for individuals and institutions.

Neil Larson is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2014, including his current tenure beginning in 2017. His prior experience includes roles at Bank of America, N.A. and My House Your Home. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Adam Behrens is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 66 designations and has been with Bank of America and Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2010. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Danny Bhasin is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has been with Merrill Lynch since 2008. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Kamnitsis is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and 32 years of industry experience. He has worked at LPL Financial since 2017 and has been associated with National Planning Corporation since 2006. Outside of advising, he is a partner and CEO of Adelphi Financial LLC, which provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits through a national network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Matthew Parker is a financial advisor at Merrill with 19 years at the firm and 12 years of industry experience. He holds the Series 66 designation and is based in Pennington, NJ. 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 teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Teti is a financial advisor at Merrill with 19 years of industry experience. He has been with Merrill and Bank of America since 2017. Outside of his advisory role, he occasionally works as a DJ for private events. Merrill, in conjunction 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 institutional investors.

John Luke Bongiorno is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Schwab, he worked at Bank of America and Merrill Lynch. Outside of finance, he has worked in the food service industry, including a role at Bridgewater Diner. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to affiliated discretionary separate managed accounts.

Vincent Bonavita Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. Prior to joining LPL Financial in 2025, he worked at OSAIC and American Portfolios Financial Services, Inc. He is based in Flemington, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options, supported by research and model portfolios from multiple sources.

Aileen Dailey is a financial advisor with Merrill, holding a Series 66 designation and 16 years of industry experience. She has been with Merrill since 1997. Outside of her advisory role, Dailey serves as Treasurer of the St. Albert the Great Parents Association, managing the organization's financial accounts. 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, pension plans, corporations, and charitable organizations.

Kevin Coutinho is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and PricewaterhouseCoopers. Outside of advisory roles, he is also employed as a personal banker at Provident Bank. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, operating a multi-manager platform with various program options and custodial relationships.

Dennis Angeles is a financial advisor with Fidelity, holding Series 63 and Series 66 designations and 22 years of industry experience. His prior work includes roles at Samuel A Ramirez & Co., Inc. and multiple tenures with Fidelity. No additional outside activities are noted. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages various advisory mandates, including registered investment companies and fund-of-funds.

Evan Metz is a Series 66-licensed advisor at Fidelity with one year of industry experience. Prior to joining Fidelity Investments in 2025, he was the sole proprietor and general manager of Pink Skirt Desserts, a bakery, from 2021 to 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Matthew Mattia is a financial advisor with Merrill in Princeton, NJ, holding a Series 66 designation and 12 years of industry experience. He has been with Merrill since 2011. 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 strategies managed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zain Merchant is a Financial Consultant currently working at Fidelity Investments since 2023. Prior to this role, he held positions as a Workplace Planning Consultant and Investment Solutions Representative within Fidelity Investments. His experience also includes roles as AVP Premier Banker at Wells Fargo, Financial Solutions Advisor at Merrill Lynch, and AVP Branch Manager at PNC Bank. Zain holds a California Insurance License. His professional focus involves collaborating with clients to develop personalized, holistic financial plans that address both current and future goals. He emphasizes building long-term relationships to help clients achieve peace of mind.

Anthony Russo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping individuals and families define their financial priorities and build tailored investment strategies to support those goals. With more than 35 years of experience in financial services, Anthony focuses on providing clarity and perspective during times of uncertainty. His approach is collaborative, emphasizing thoughtful decision-making aligned with clients' goals, timelines, and overall financial pictures. Anthony's expertise extends beyond investments to retirement planning, Social Security decisions, major purchases, and legacy and estate considerations. He holds professional designations including Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's degree from the University at Binghamton and a Master's degree from Fordham University. Residing in Garden City, NY, Anthony and his wife have five children. He is active in his community, coaching soccer and volunteering at his parish church. Outside of work, Anthony enjoys running, biking, hiking, skiing, and following sports such as baseball, ice hockey, and college basketball.

Stuart Kern is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing 19 years of industry experience. His prior roles include positions at James Alexander Inc, The Prudential Insurance Company of America, and several mortgage companies. Kern is based in Princeton, NJ. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling combined with centralized due diligence and an ESG eligibility framework in its investment process.

Richard Oring is a financial advisor with OSAIC based in Princeton, NJ, holding Series 63 and Series 65 credentials and with 27 years of industry experience. He has worked at New Century Financial Group, LLC since 2003 and Osaic Wealth, Inc. since 2002. Oring serves as vice president on the executive board of Congregation Beth El and maintains bookkeeping and reporting responsibilities for the congregation's finances. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit clients through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios, offering both discretionary and non-discretionary management and access to third-party managers and unified managed accounts.

Scott Janusz is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, he worked at Lifetouch NSS for 14 years. 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 clients including individuals, high-net-worth individuals, and institutions.