Madeline Mc Nulty is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Her work history includes roles at Merrill as well as positions with Employee Plans Services and academic departments at the University of Maryland. 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, and institutional clients.

Raquel Sutherland is a Financial Advisor with Merrill Lynch Wealth Management, dedicated to prioritizing clients' needs. She focuses on connecting clients with plans and processes tailored to their individual ambitions, assisting with goals such as college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, and small business strategies. Raquel works closely with clients to incorporate their personal perspectives and priorities into wealth planning, striving to simplify and bring transparency to complex investing decisions. Her approach centers on creating personalized plans aimed at helping clients achieve their family’s long-term financial objectives. Outside of her professional role, Raquel’s personal interests include baseball, basketball, football, interior decorating, soccer, spending time with her family, watching movies, and woodworking.

Christine Brown is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to guide investment decisions.

Geoffrey Japchen is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Prudential Equity Group, as well as work with Hope for Separated Husbands. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base that includes individuals, institutions, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Darrell Collins is a financial advisor with Primerica Advisors in Chalfont, PA, holding Series 65 and Series 63 licenses and nine years of industry experience. His work history includes roles at Primerica Financial Services, Chubb Inc, and BNY Mellon. Outside of advisory services, he is involved in the sale of home-related products, including home security and automation, through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services primarily through model-based strategies managed by third parties.

James Powner is a financial advisor at Merrill with 32 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999, also affiliated with Bank of America 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 across a range of client types, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Priyanka Kanth Singh is a financial advisor at Merrill with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, HSBC Bank USA, and HSBC Bank Plc. Singh is a director of Friends of Prayas, a New Jersey-based nonprofit focused on raising awareness and funds for child and youth welfare and other social and environmental issues. 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 and profit-sharing plans, corporations, and charitable organizations.

Marcus Respes is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. His prior work includes positions at Alutiiq LLC and Marquee Restoration, among others. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Terrence Murphy is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His work history includes positions at Bank of America, Pruco Securities, Prudential Insurance, Eagle Strategies, and New York Life Insurance. Outside of advising, he is involved in real estate referrals through Keller Williams. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Cruz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2019 and previously at Bank of America and Merrill from 2013 to 2019. Outside of his advisory role, Matthew is involved in maintenance work as an employee contractor. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process is supported by centralized due diligence that combines quantitative and qualitative research, and recommendations may incorporate ESG criteria.

Saivamsi Polavarapu is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, he worked at Bank of America, N.A. He attended Rutgers University from 2017 to 2021. 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.

Liam Drumm is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior roles include positions at CAIS, Creative Dock, and Morgan Stanley. Outside of finance, he has worked in various fields such as education and hospitality. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Allen is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has been with Raymond James & Associates since 2005. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base, including high-net-worth individuals, institutional and pension plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Nicholas Mcfadden is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America, PNC, and JPMorgan Chase Bank during his career. 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 and profit-sharing plans, corporations, and charitable organizations.

Christian Aguirre is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management. He has been advising clients since 2004 and is a Founding Partner of the Aguirre Jankowski Group. Christian specializes in comprehensive wealth and investment strategies for private clients, corporations, and small institutions, focusing on total asset management and disciplined portfolio construction. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Exit Planning Advisor (CEPA), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Chartered Retirement Planning Counselor (CRPC). Christian earned his Associate's and Bachelor's degrees from the University of Phoenix and a High School Diploma from PCC. His advisory process involves a thorough assessment of clients' financial situations and goals to develop customized strategies across retirement readiness, education funding, estate planning, and more. Christian is involved in various community organizations, including Doylestown Borough Parks & Rec, Shriners Hospital, and Pine Run Retirement Community. He also participates in professional organizations such as the Freemason Society, Boy Scouts of America, St. Jude Children's Research Hospital, and the Children's Fund. Christian lives in Furlong with his wife, Ahliea, and their two children, Sebastian and Isabella.

Nathan Klevit is a financial advisor with Primerica Advisors in Chalfont, PA, holding Series 63 and Series 65 licenses and 25 years of industry experience. His prior work includes roles at Bank of America, Merrill, E*TRADE Capital Management, Valic Financial Advisors, and The Vanguard Group. Outside of finance, he is self-employed as a DJ with The Pros Disc Jockeys. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which features model-delivery strategies and discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure while delegating trading responsibilities to BNY Mellon Advisors.

Jean Hughes is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. She has been with Merrill since 2004. Outside of her advisory role, she has a non-investment related gas lease agreement on property jointly owned with her spouse. 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 with model-based and discretionary investment strategies.

Usman Shabbir is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in guiding high-net-worth families and institutions through comprehensive wealth management and treasury strategies. Usman focuses on personalized financial planning, appropriate investment solutions, and long-term growth to provide clarity and confidence in complex financial landscapes. His expertise includes equity compensation services, family wealth management strategies, portfolio management, tax minimization, retirement income planning, and managing new wealth. Usman holds a Master’s Degree from Saint Mary’s College of California and a Bachelor’s Degree from the California State University System. He also holds the designation of Personal Investment Advisor (PIA). Usman participates in community service, volunteering with organizations such as the Food Banks of Bay Area. Outside of work, he enjoys adventure sports, basketball, biking, boxing, golfing, spending time with his family, and watching movies.

Christopher Dodds is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 credential and nine years of industry experience. His prior roles include positions at Commonwealth Financial Network, Mid Atlantic Resource Group, Minnesota Life Insurance Company, and Securian Financial Services. He has been with Merrill since 2021. 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 a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

John Ruggero is a Certified Financial Planner® with 28 years of industry experience. He is currently with Morgan Stanley, where he has worked since 2021. His prior roles include extensive experience at Charles Schwab, spanning two decades from 1999 to 2019. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and serves clients through various advisory programs and employer agreements.