Gia Brophy is a financial advisor with Merrill, holding a Series 66 designation and possessing 20 years of industry experience. She has been with Merrill since 2005. Outside of her advisory role, she works as a waitress at La Piazza Ristorante 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, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Michael Nemeroff is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley and FINRA. He serves on a FINRA committee responsible for writing and reviewing continuing education regulatory content. 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 institutional investors.

Matthew Geraci is a financial advisor with Raymond James & Associates, holding a Series 66 designation and six years of industry experience. His prior roles include positions at J.P. Morgan Chase and University of Delaware. Matthew is based in Newtown, PA. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

John Abbracciamento is a financial advisor at Stifel with 42 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Bank of America and Merrill. Stifel serves a diverse range of clients, including individuals, institutional investors, and nonprofit entities, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group to guide asset allocation and financial planning.

Michele Gilligo is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she has been serving clients since 1999. She specializes in helping individuals, families, and businesses develop financial strategies tailored to their short- and long-term objectives. Michele's areas of focus include college education planning, retirement income and personal retirement planning, liquidity management, portfolio management services, small business strategies, socially responsible and ESG investing, as well as services for endowments, foundations, and non-profits. Michele holds FINRA Series 7 and 66 securities registrations and the Professional Investment Advisor (PIA) designation. She earned a Bachelor of Science degree in Business Management from the Richard Stockton College of New Jersey. Michele works with a team of advisors and specialists to provide personalized service and customized financial solutions. She is fluent in English and French. Outside of her professional role, Michele lives in Chesterfield, New Jersey, and enjoys activities such as baseball, billiards, boating, fishing, gardening, hiking, music, and spending time with her family.

Konstantinos Rigas is a financial advisor at Charles Schwab with 31 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 1995. Outside of his advisory role, he is involved with Elite Laundry Systems, LLC, a business he has been associated with since 2010. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and provides integrated brokerage, custody, and cash management services.

John Trzeciak is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at Bank of America, N.A. since 2011 and Merrill since 2009. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Olivier Martinez is a CFP®-certified financial advisor with 12 years of industry experience, currently with Morgan Stanley in Lawrenceville, NJ. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2026, and previously held roles at Bank of America and Merrill. Martinez has also been involved with nonprofit and community organizations including Skema US Foundation and Room Circus Medical Clowning. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and modeling techniques.

Robert Di Falco is a financial advisor at Raymond James & Associates with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Raymond James since 2009. Outside of his advisory role, he serves on the Pennington Borough Board of Fire Commissioners in New Jersey. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipalities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Janet Cook is a Series 66-licensed financial advisor with Merrill, where she has worked since 2014. She has 17 years of industry experience. 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, offering model-based and discretionary investment strategies managed by internal and third-party teams.

Dan Liu is a financial advisor at Merrill with Series 63 and Series 66 credentials and two years of industry experience. His work history includes roles at Bank of America, NYLIFE Securities LLC, and New York Life Insurance Company. Prior to his financial career, he was involved with the National Alliance on Mental Illness in New Jersey for four years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sebastian Cornejo is a financial advisor at Merrill with Series 65 and Series 63 credentials and three years of industry experience. His prior roles include positions at Bank of America, The Vanguard Group, and City of London Investment Management. 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 and profit-sharing plans, corporations, and charitable organizations.

Ernest Luster is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Bank of America, Merrill, Northwestern Mutual, Kohl's, and Rowan University. He also owned and operated Luster Services from 2010 to 2018. 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 plans, corporations, and charitable organizations.

Nevin Sari is a financial advisor with Raymond James & Associates, holding a Series 66 designation and two years of industry experience. Prior to joining Raymond James, he worked at CITIGROUP and Citco Fund Services, and spent 18 years at BNY Mellon. He serves as a board member of the Turkish Women's League of America, an organization focused on teaching and preserving the Turkish language. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, charitable organizations, and municipal entities, offering a range of financial planning, investment consulting, and municipal advisory services.

Kevin Young is a financial advisor at UBS Financial Services with 35 years of industry experience. He has been with UBS since 1995 and holds Series 63 and Series 65 credentials. Outside of his advisory work, he serves as a mentor on the LaSalle Leadership Council at LaSalle College High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining proprietary research and model-based asset allocation with institutional trading capabilities and wealth management solutions.

Jeremy Rumpf is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. 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 plans, corporations, and charitable organizations.

Mary Batcha is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of The Shannon Group, a family team dedicated to managing the financial lives of multi-generational families. She focuses on personalized financial planning including college education planning, retirement, legacy, philanthropic planning, and socially responsible investing. Mary joined Merrill Lynch in 2001 and serves clients nationwide by addressing their unique financial goals and adjusting strategies as personal situations and market conditions evolve. Mary holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Divorce Financial Analyst® (CDFA), and Chartered Retirement Planning Counselor™ (CRPC). She has served as the Resident Director for Merrill Lynch's Jenkintown, Pennsylvania office and participates in advisor education events within the firm. Mary graduated from Dickinson College and has been recognized on several industry lists including Forbes' "America's Top Women Wealth Advisors" and Working Mother/SHOOK Research's "Top Wealth Adviser Moms". She resides in Pennington, New Jersey with her husband and three children. Outside of her professional role, Mary spends time supporting her family's activities such as ice hockey and values a balance between work and family life.

Peter Renna is a financial advisor at Merrill with 14 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2004. 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 and profit-sharing plans, corporations, and charitable organizations.

Brian Gibson is a financial advisor with Merrill in Pennington, NJ, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. He has been with Merrill since 2005. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Christopher Romano is a financial advisor with Merrill, holding a Series 66 designation and 22 years of industry experience. He has been with Merrill since 2000. Outside of his advisory work, Romano serves as a referee for youth and adult soccer games and is involved with a local youth soccer association. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.