Michael Gualtieri is a financial advisor with Merrill who holds a Series 66 designation and has one year of industry experience. Prior to joining Merrill, he was employed at Bank of America and has worked in roles at Uber, DoorDash, Acme, and Stockton University. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Noah Ashker is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His background includes multiple roles at Wake Forest University and previous employment with Bank of America Merrill Lynch. He also worked at Pren Kitchen and Lakelands Park Middle School before joining Merrill. 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.

James King is a financial advisor at Merrill with 21 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2005, with a brief period at Bofa Securities in 2019. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model‑based and discretionary strategies to a range of clients including individuals, high-net-worth investors, and institutional entities.

Christopher Heiser is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with J.P. Morgan entities since 2011, including roles at JPMorgan Chase Bank and J.P. Morgan Securities. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis.

Thomas Bongiorni is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Mass Mutual Life Insurance Company since 2018. In addition to his advisory role, he is involved as an insurance broker, focusing on life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services operates as 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 emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers specialized programs including estate-settlement and employer-sponsored planning.

John Wesley is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has worked at Merrill since 2013 and at Bank of America, N.A. since 2014. 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 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.

Michael Lee is a CFP® professional with seven years of industry experience, currently affiliated with Cetera. His prior work includes roles at Equitable Advisors and AXA Advisors, as well as ownership of MSL Capital Management Group, a business operated under Cetera. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services, operating as a multi-manager platform with access to affiliated and third-party managers, and manages over $256 billion in assets through a network of more than 10,000 advisors.

Ryan Quillen is a financial advisor with LPL Financial, holding a Series 66 credential and 30 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Ic Advisory Services, Inc. and The Investment Center, Inc. for nearly two decades each. He serves on the board of the Montgomery Basketball Association, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, asset management, and institutional platforms with a model portfolio and third-party subadvisor approach.

Cory Elliott is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2017. Outside of finance, he operates a part-time business selling used media through the eBay platform. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily for 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 and profit-sharing plans, corporations, and charitable organizations.

Sean Driscoll is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2016 and at Bank of America N.A. since 2020. Prior to Merrill, he was employed at Mikes Giant Submarines from 2009 to 2016. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and tax-efficient strategies, supported by integration with Bank of America affiliates and a broad banking and capital-markets platform.

Pablo Cardoso is a financial advisor with Merrill in Iselin, NJ, holding a Series 66 designation and 18 years of industry experience. His prior work history includes roles at Bank of America, Santander Securities, JPMorgan Chase, and PNC Investments. Outside of his advisory role, he serves as Treasurer for the North Plainfield High School PTO. 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 plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Anthony Iacono is a Series 66-licensed financial advisor with Merrill, based in Pennington, NJ, and has 11 years of industry experience. He has been with Merrill since 2014 and concurrently works with Bank of America. Outside of his advisory role, he owns businesses providing website design services, life coaching and small business development consulting, as well as a publishing company. Merrill, along with its affiliate Managed Account Advisors LLC, offers 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.

Michael D'antico III is a financial advisor at Thrivent Investment Management with two years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Thrivent, he worked in various roles including public service positions with the State of New Jersey and the County of Somerset. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing goal-based financial analyses and written recommendations on a wide range of planning topics. The firm combines planning with managed-account programs under a consolidated billing option called WealthPlan, while keeping advisory and portfolio management services distinct.

Zachary Stabile is a financial advisor at Equitable Advisors with a Series 66 designation and no prior industry experience. His work history includes roles at Ultimate Ripz, eBay, and various educational institutions. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm relies on a network of Investment Adviser Representatives and third-party program sponsors to deliver a range of advisory models and fiduciary services.

Audra Lisoski is a financial advisor at LPL Enterprise with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Pruco Securities, LLC and Prudential Insurance Company of America. Additionally, she is a New Jersey Notary Public. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm uses a model-driven investment approach and offers access to third-party asset managers, financial planning, and various insurance and trust-related services.

Melissa Lannon is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2011. In her role, she partners with high-net-worth clients and their families to build, manage, and preserve wealth. She leverages over 25 years of industry experience to provide guidance in investment strategies, retirement planning, income protection, long-term care, and tax-efficient investing. Prior to joining Fidelity Investments, Melissa held several positions in the financial services industry, including Vice President and Regional Manager at J.P. Morgan Asset Management from 2003 to 2010, Financial Advisor at Edward Jones Investments from 2002 to 2003, and Internal Wholesaler at Lord Abbett from 2000 to 2002. Outside of her professional work, Melissa enjoys gardening, outdoor adventures, and snowboarding.

Erika Zuluaga serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, she provides advisory and wealth management services to a diverse client base that includes affluent families, professionals, business owners, and corporate executives and employees. Her experience encompasses a wide range of financial planning areas, including retirement income strategies, portfolio management, and services tailored for defined benefit plans, endowments, foundations, and non-profits. Erika's expertise supports clients through various stages of their financial journeys, including divorce transition planning. Erika's professional background is complemented by her education and credentials. She holds a Master's degree from Saint Joseph's University and a Bachelor's degree from LaSalle University. Additionally, she has earned multiple professional designations, such as Certified 401(k) Professional, Chartered Retirement Planning Counselor™, and Personal Investment Advisor. Erika is also involved in community activities, supporting organizations including the Christopher Doto Memorial Scholarship Foundation and participating with the Delaware Valley Youth Athletic Association and Saint Pio Catholic School.

David Shea is a Senior Financial Advisor with Merrill Lynch Wealth Management in Princeton. He joined Merrill Lynch in 1985 after graduating from Rider University with a Bachelor of Science in Commerce. David holds the professional designation of Personal Investment Advisor (PIA). Throughout his career, David has managed significant client portfolios, with approximately 550 million dollars in client balances as of February 1, 2022. He focuses on understanding his clients' financial goals and developing strategies to help achieve them. David resides in Robbinsville, New Jersey with his wife, Erin, and has two grown children. He has been active in his community, serving on various boards and committees and volunteering with local organizations.

Dalton Onifer is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. He has been with Merrill since 2015. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Fady Keriakos is a financial advisor at Merrill with two years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, JPMorgan Chase Bank, TD Bank, Amazon.com, and Credit Agricole Egypt. 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, corporations, and charitable organizations.