Isaac Smith Walker is a Series 66 registered advisor with Merrill, based in Pennington, NJ, and has four years of industry experience. Prior to his current role, he worked at Bank of America, N.A. since 2022 and has held various positions outside the financial industry, including roles at Hand & Stone Massage and Facial Spa and Securitas Security Services USA. 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 plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Peter Schoenenberger is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab since 2016. 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. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by centralized supervisory and custody arrangements.

Wilson Munoz is a financial advisor at Osaic with 14 years of industry experience and holds the Series 66 designation. He previously worked at Securities America Advisors and Guardian Life Insurance Company. Outside of his advisory role, Munoz manages a youth soccer organization focused on training and events and owns an insurance agency that also provides various business services. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers a wide range of integrated financial services and employs asset-allocation tools and third-party platforms to construct and manage portfolios across multiple investment types.

Jim Boyle is a Financial Consultant currently working at Fidelity Investments since 2024. He collaborates with clients to establish and implement financial plans tailored to their goals, and regularly reviews these plans to ensure ongoing alignment and improvement. Jim's professional experience spans several roles in the financial services industry, including Planning Consultant at Fidelity Investments from 2022 to 2024, Financial Advisor positions at Cetera Investment Services LLC and LPL Financial LLC, and roles as a Financial Services Professional at MML Investors Services, LLC and Signator Investors, Inc. He holds a California Insurance License. Outside of his professional work, Jim has interests in baseball, football, soccer, movies, reading, and participating in family activities.

Patricia Koch Perkins is a financial advisor at Morgan Stanley with 38 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Leigh Mayer is a financial advisor at Merrill with 21 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2001. 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.

Jagruti Panwala is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc. She serves as an executive member of the American Hotel and Lodging Association Board of Directors and participates as a panel speaker for the nonprofit Castell College. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services across diverse asset classes, utilizing asset-allocation tools and third-party money managers to construct portfolios on both discretionary and non-discretionary bases.

Rituraj Shandilya is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He has worked at Wells Fargo Clearing since 2023 and was previously with Morgan Stanley Private Bank from 2015 to 2023. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is driven by investment policy statements and modern portfolio theory, incorporating a diverse range of financial products including insurance-related vehicles and bank deposit sweep options.

Chintan Vora is a financial advisor at Merrill with 22 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2005 and Bank of America, N.A. since 2014. 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.

Kevin Pogroszewski is a Financial Advisor at Merrill Lynch Wealth Management, specializing in legacy planning, personal retirement planning, small business strategies, individual and corporate investment strategy, and tax minimization. He is dedicated to helping clients build, preserve, and confidently navigate their wealth to achieve their long-term goals. With experience as an Investment Advisory Specialist, Kevin has developed expertise in investment strategy, portfolio construction, and wealth management. He works closely with clients to create tailored investment strategies that align with their goals, risk tolerance, and objectives. His approach includes analyzing market trends, evaluating investment vehicles, and constructing diversified portfolios to help investors maintain discipline through changing market conditions. Kevin holds a Master of Business Administration and a degree in Finance from Rider University. He is a Personal Investment Advisor (PIA) and communicates effectively in English and Polish. Outside of his professional work, Kevin is involved with Mercer United F.C. and enjoys golfing, ice hockey, music, skiing, soccer, spending time with his family, tennis, and traveling.

Peter Pitucco is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 47 years of industry experience. He has been with MML Investors Services since 1989 and with MassMutual Life Insurance Company since 1988. In addition to his advisory role, he is involved in the sales and service of insurance products for various carriers. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, 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 software and offers specialized planning services including divorce planning, estate settlement, and employer-sponsored programs.

Scott McGill is an Investment Consultant at Fidelity Investments, where he has been serving since 2025. In this role, he focuses on helping clients achieve their financial objectives by co-creating and implementing tailored financial plans and building ongoing relationships to support these goals. Prior to his current position, Scott held roles as a Financial Representative and Financial Services Representative at Fidelity Investments from 2023 to 2025. Scott's professional experience is centered on investment consulting and financial services within Fidelity Investments. His approach involves aligning clients' financial plans with their personal priorities to ensure a comprehensive strategy that supports their long-term objectives. Outside of his professional work, Scott enjoys activities such as spending time at the beach, comedy, family activities, golf, and sailing.

Jules Andrianantoandro is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill since 2008 and also works at Bank of America, N.A. since 2011. Outside of his advisory role, he represents a family-owned food facility on FDA matters related to import shipments. 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 for a variety of client types, including individuals, high-net-worth clients, and institutional investors.

Alec Jurczynski is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, he worked in education at Mercer County Community College and Ewing High School, and was employed at Villa Rosa Ristorante and Pizzeria. Merrill 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.

Mark Erikson is a financial advisor with Merrill in Bridgewater, NJ, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Merrill since 1992 and Bank of America, N.A. since 2016. Outside of his advisory role, he serves as a fiduciary for a for-profit organization. Merrill, alongside 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 clients, and institutional investors.

Zad Mahana is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to define their financial goals and develop portfolio strategies designed to help achieve them. Mahana provides ongoing advice and adapts portfolios as clients' situations change. He has experience in custom managed strategies, private markets, and managing small business 401(k) and cash balance plans. His areas of focus include college education planning, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, and portfolio management services. Mahana holds the Personal Investment Advisor (PIA) designation. Mahana earned a Bachelor's Degree from George Washington University. He speaks English and Arabic. Outside of his professional work, his interests include boxing, chess, music, skiing, and soccer.

Rocco Fiato is a financial advisor with Merrill based in Bridgewater, NJ, holding a Series 66 designation and nine years of industry experience. Prior to his current role, he worked at Northeast Planning Corp for one year. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated and Bank of America, N.A. since 2017 and 2018 respectively. 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 a range of individual and institutional investors.

Kyle Dudek is a Financial Advisor at Merrill Lynch Wealth Management, where he assists clients in navigating complex financial challenges. He focuses on creating tailored strategies that align with each client's unique goals to help maximize their resources and achieve their envisioned future. With over five years of experience in the financial services industry, Kyle specializes in serving the mass affluent market. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations, and leverages his expertise in banking services and wealth planning to provide comprehensive, evolving financial guidance. Kyle earned a Bachelor's Degree in Financial Planning and Wealth Management with a minor in Economics from the University of Delaware. He is based in Skillman, NJ, and enjoys spending time with his family, staying active through various sports, traveling, and following New York sports teams.

Susan Cornford is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has worked at Merrill since 2019 and has held positions at Bank of America, N.A., Hyatt House, Macy's, Target, TD Bank, and Plymouth Rock Assurance. Outside of her advisory role, Susan is involved with Easter Seals, supporting funding for recreational activities for her disabled son. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Eric Mitchell Jr. is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked previously at Citizens Bank, Citizens Securities, Bank of America, and Linden Bulk Transportation. 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, pension plans, corporations, and charitable organizations.