Anthony Mak is a financial advisor with Merrill in Pennington, NJ, holding Series 66 and Series 63 designations and having 30 years of industry experience. He has been with Merrill since 1996. Mak serves as Vice President of the Northern NJ chapter of the International Society of Certified Employee Benefits Specialists, a professional networking organization. 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.

Timothy Kenyon is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 40 years of industry experience. His prior roles include positions at Triad Advisors, Inc. and GWN Securities Inc. He is also involved as an agent selling term and universal life insurance, as well as long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, combining discretionary and non-discretionary management with model portfolios and research from multiple sources.

Antonina Sabelnik is a financial advisor at Merrill with seven years of industry experience. She holds Series 63 and Series 66 credentials and has worked at several firms including Citigroup 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mario Livecchi is a financial advisor at OSAIC with 19 years of industry experience. He holds the Series 66 designation and has worked at OSAIC since 2024, with prior positions at Securities America Advisors, Inc. and Investacorp Advisory Services. In addition to his advisory role, he serves as a financial executive in Princeton Investment Services, an investment-related business. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through an extensive network of financial advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and third-party money managers to construct diverse portfolios tailored to client needs.

Cara Werkheiser is a financial advisor at Merrill with a Series 66 designation and 13 years of industry experience. She has been with Merrill 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, pension plans, corporations, and charitable organizations.

Keith Motusesky is a financial advisor at Mass Mutual Investors Services with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Columbia Bank, Cetera Investment Services, Allstate Financial Advisors, and running his own firm, Motusesky Financial Group, for 15 years. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships, utilizing firm-approved software tools and offering specialized planning programs such as divorce and estate-settlement planning.

David Grazi is a financial advisor with Mass Mutual Investors Services in Iselin, NJ, holding Series 63 and Series 65 licenses with five years of industry experience. Prior to joining Mass Mutual Investors Services in 2020, he worked at MassMutual Life Insurance Co and gained experience in business consulting and strategic advisory for companies and entrepreneurs outside the financial sector. He also engages in life insurance sales as an independent agent. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers with comprehensive financial planning, asset management, and educational services.

Igor Istratii is a financial advisor at Merrill with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, Northwestern Mutual, and Equitable Advisors. Prior to his financial services career, he worked at Les Halles Downtown for three years. 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 a range of individual and institutional clients.

Peter Olsen is a financial advisor at Merrill with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2000. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Christopher Storch is a financial advisor with Merrill, holding a Series 66 designation and 16 years of industry experience. He has been with Merrill since 2009. 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.

Jigna Patel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and five years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2020 and previously worked at Valley National Bank from 2007 to 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities as a subsidiary of J.P. Morgan.

Thomas Psaltis is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. and Merrill Lynch Asset Management since 1998. Outside of his advisory role, he serves on the board of Holy Trinity Greek Orthodox Church and is expected to take on a vice president position. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Jaime Banghart is a financial advisor with UBS Financial Services in Middlesex, NJ, holding a Series 66 designation and 22 years of industry experience. She has been with UBS Financial Services since 2004. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Michael Bassett is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Equitable Advisors since 2004 and previously worked at AXA Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to tailor services based on client goals, risk tolerance, and time horizon.

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.

Susan Regan is a Senior Financial Advisor at Merrill Lynch Wealth Management. In her role, she offers a comprehensive approach to managing wealth that begins with listening to clients' needs and ensuring every strategy is grounded in understanding their goals. She provides access to Merrill's investment insights and the banking services of Bank of America to address various aspects of clients' financial lives. Susan holds a Master's Degree from Rutgers University and a Bachelor's Degree from Seton Hall University. She is a Personal Investment Advisor (PIA) by designation. She participates in community service aligned with Merrill's tradition, volunteering with organizations such as the Eatontown Food Pantry, the Erica Lenore Diedrichsen Butterfly Memorial Foundation, and the Monmouth County Republican Club.

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.

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.