Sarah Wagner Fiorelli is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and previously worked at Stifel Nicolaus & Co Inc from 2016 to 2020 before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and model-based analyses as part of its financial planning process.

Laura Watson is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill since 1996. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jonathan Kallen is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2018. His prior experience includes roles at Coastal Equities, Inc. and Brick & Kyle Associates RIA. 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, pensions, corporations, and charitable organizations.

Charles Gould is a Wealth Management Advisor with Merrill Lynch Wealth Management, offering clients a comprehensive approach to managing wealth that begins with understanding their individual needs and goals. He provides access to the investment insights of Merrill and the banking services of Bank of America to address various aspects of clients' financial lives. Charles specializes in areas including college education planning, family wealth management strategies, managing new wealth, personal retirement planning, tax minimization, and retirement income. With a 29-year career in financial advising, Charles helps successful individuals and families make informed financial decisions ranging from retirement planning and lending to legacy and estate goals. He is committed to providing objective guidance and regular communication through annual reviews to help clients build the life they want for themselves and their families. Charles holds a Bachelor's Degree from Muhlenberg College and a High School Diploma from Council Rock High School - North. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Living in Lower Bucks County, Charles is actively involved in his community through volunteering with organizations such as the American Littoral Society. He also participates in professional organizations like Caroline's Hope and Jersey Shore Surfcasters. His personal interests include cooking, fishing, reading, skiing, and traveling.

John Walsh is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jefferson Holguin is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Charles Schwab since 2022. His prior experience includes roles at TD Ameritrade Investment Management, LLC and TD AMERITRADE, Inc. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Kersti Jakobson is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2005. 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.

Timothy Dunnigan is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. He has been with Merrill since 2014 and previously worked at Bank of America, N.A. for three 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Kevin Maxey is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been providing financial and wealth management advice and services since 1997. Kevin joined Merrill in 2000 after working at Prudential Insurance. His areas of expertise include corporate retirement planning, investment strategies, family wealth management strategies, legacy and liquidity planning, managing new wealth, personal retirement planning, and portfolio management services. He also focuses on socially responsible, values-based, and ESG investing, as well as tax minimization and retirement income planning. Kevin holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is a Personal Investment Advisor (PIA). He earned his high school diploma from Foothill High School. Raised in Northern California, Kevin and his wife, Nicole, have lived in Bucks County since 2000. They have two sons. Outside of his professional work, Kevin enjoys hiking, listening to music, and spending time with his family.

Jason Geller is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2012. 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.

Michael Walters is a financial advisor with Merrill, holding Series 63 and Series 66 designations and 20 years of industry experience. He has been with Merrill for 19 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Marie Hopta is a Series 66 credentialed financial advisor with Merrill in Pennington, NJ, where she has worked since 1998, accumulating 28 years of experience at the firm and 19 years in the industry overall. 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.

Ryan Devine is a financial advisor at Merrill with 12 years of industry experience and holds a Series 66 designation. He has been with Merrill and its parent company, Bank of America, since 2013. 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 plans, corporations, and charitable organizations.

Jennifer Estes is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 designations and 26 years of industry experience. She has been with Merrill since 2000. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Salton is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch 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, and institutions.

Gregory Marino is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Dana Brown is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2013. Outside of his advisory role, he is the sole owner of a rental property and serves as an executor for an estate. 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.

Tracy Junquet is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. She has been with Merrill since 1990. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program, offering model-based and discretionary strategies for a range of client types including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Marcita Reese is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities, Wells Fargo, Ameriprise, and Santander. In addition to her advisory role, she is the general partner and managing member of M.Bookkeeping LLC, which provides bookkeeping services to close friends and family businesses. Merrill, together with its affiliate Managed Account Advisors LLC, delivers 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 accounts.

Christopher Hensley is a financial advisor at Merrill with 18 years of industry experience. He holds Series 66 and Series 63 licenses and has been with Merrill since 2002. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.