David Jenkins II is a CFP® professional affiliated with LPL Financial, with 31 years of experience in the financial services industry. His prior roles include positions at Raymond James Financial Services Advisors and Wealth Advisory Services, where he spent 17 years. He is also an agent for non-variable insurance products, selling term and universal life insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms.

Filippo Maiello is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 credentials and 18 years of industry experience. His career includes roles at Bank of America, Santander Securities, and Vivint Solar. Outside of his advisory work, he has performed part-time work for Uber. 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 a range of individual and institutional clients.

Michael Jones is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1995. Outside of his advisory role, he serves as a poll/election worker in Doylestown, Pennsylvania. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm utilizes multiple program strategies and emphasizes tax-efficient investment solutions, supported by integration with Bank of America affiliates.

Gerasimos Melissaratos is a Branch Leader at Fidelity Investments, a role he has held since 2020. Prior to this, he served as a Branch Leader at TD Ameritrade from 2018 to 2020 and as a Senior Financial Consultant there from 2014 to 2018. His professional focus includes coaching and developing teams to deliver exceptional client experiences, emphasizing engagement and knowledge among associates. He is committed to fostering an environment that supports both associates and clients. Outside of work, Gerasimos is interested in family activities, fitness, social events, reading, traveling, and volunteering.

Vito Depalo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his commitment to providing personalized financial guidance. Vito earned a Bachelor's Degree from the State University of New York at Oswego, which underpins his expertise in the financial services industry. His role focuses on assisting clients with wealth management strategies tailored to their individual investment goals.

Paul Kolano is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1999. Outside of his advisory role, he serves as an advisory board member and trustee for Catholic Charities, Diocese of Trenton. 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 strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Robert Diprato is a Series 66-credentialed financial advisor with Merrill, based in Pennington, NJ. He has 31 years of industry experience and has been with Merrill since 1989. Outside of his advisory role, he serves as an advisory board member for UCP of Hudson County, a nonprofit organization providing advocacy and support services in northern New Jersey. 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.

Vaughn Woodard is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2013. 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 supports a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Douglas Clark is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has been with Raymond James & Associates since 2009. Outside of his advisory work, he is the owner and proprietor of Artistic Screen Designs INC, a family business he inherited and plans to sell to his son. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension/profit-sharing plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jonathan Cobb is a financial advisor with Mass Mutual Investors Services based in Horsham, PA, holding a Series 66 designation and 17 years of industry experience. He has worked at Mass Mutual Investors Services since 2013 and has been affiliated with MassMutual Life Insurance Company since 2012. In addition to his financial advising career, Cobb serves as a Commissioner of Springfield Township. Mass Mutual 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 uses detailed client data and firm-approved analytical tools to deliver written recommendations, focusing on investment categories and strategies without discretionary authority.

Thomas Wick is a financial advisor with Morgan Stanley, holding a Series 66 designation and 25 years of industry experience. His work history includes roles at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2006. Outside of his advisory work, he is involved in a real estate business owning rental properties in Belmar, NJ. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning that utilizes structured discovery conversations and advanced modeling tools.

Salvatore Ruffino is a financial advisor with Merrill based in Pennington, NJ, holding Series 63 and Series 66 licenses and having 12 years of industry experience. His work history includes roles at Bank of America, Merrill, and Wells Fargo in various capacities. He is also the owner of OJR Holdings LLC, a limited liability company. Merrill, together with 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.

Michael Gonzalez is a financial advisor at Merrill with three years of industry experience and holds a Series 66 designation. His prior work includes roles at Shoprite, the National Winter Activity Center, and Marist College. He has also worked in various capacities at educational institutions and recreational facilities. 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 various organizations.

Patrick Clewell is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and its predecessor, 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.

Abhishek Patel is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at PNC Financial Services and Rem and Company. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Kennedy is a financial advisor at Merrill with 8 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2018 and Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017. Prior to his current roles, he was affiliated with Rider University in 2016-2017. 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 supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Dirk Alexander is a financial advisor at Osaic with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has been affiliated with New Century Financial Group, LLC and Osaic Wealth, Inc. for over 20 years. Outside of his advisory work, he is involved in music as a session musician and manages a music publishing company. Osaic Wealth, Inc. serves a diverse clientele, including individual investors, institutions, and charitable organizations, through a large network of advisors and platforms. The firm provides integrated brokerage and advisory services along with retirement plan consulting and access to third-party money managers, employing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Geraldine Rodrigues is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and nine years of industry experience. She has worked at Merrill since 2016, with additional experience at Bank of America and other financial firms. Outside of her advisory work, she serves with the Union Fire Company and rescue squad in Titusville, New Jersey, assisting in public safety during emergencies. 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 to individuals, high-net-worth clients, and institutional investors.

James Hallman is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior work includes nearly four decades at Pruco Securities, LLC and ongoing affiliation with Prudential Insurance Company of America. He is also involved in managing non-variable insurance activities through a Prudential-sponsored insurance agency. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Richard Jefairjian is an Investment Consultant at Fidelity Investments, where he has been working since 2026. In this role, he collaborates with clients to support their efforts in achieving financial goals. Prior to his current position, Richard served as a Financial Solutions Advisor at Merrill from 2023 to 2026. His professional experience encompasses providing financial guidance and investment consulting to clients. Outside of his professional work, Richard has personal interests that include fitness, football, running, and snowboarding.