Rachel Schmiege is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2018 and Bank of America, N.A. since 2019. Prior to that, she was employed at Freedom Federal Credit Union and Wegmans Food Markets. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations.

Jason Schneiweiss is a Series 66-credentialed advisor at Merrill with 11 years of industry experience and over 20 years at Merrill since 2006. He is based in Pennington, NJ. Merrill provides managed account services through the Select Portfolio Solutions program to Bank of America fiduciary clients, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Andrew Salmon Jr. is a financial advisor at Merrill with Series 66 credentials and less than one year of industry experience. Before joining Merrill, he worked at Equitable Financial Life Insurance and has held teaching positions at The College of New Jersey, Mercer County Community College, Ewing High School, and St Anns Middle School. Outside of finance, he has experience in retail through Pennington Quality Market, where he has worked for six years. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Sean Mc Intyre is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill in 2024, he worked at T-Mobile for eight years and Executive Cellular Phones for two years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Jill Borges is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and previously worked at BlackRock Investments, LLC from 2015 to 2019. Outside of her advisory role, she is the owner of Kings of Tailgating, LLC, an events setup business. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Michael Sedam is a ChFC® credentialed financial advisor with 22 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors and is the owner and CEO of TEN22 Private Wealth, P.C., where he provides securities, financial planning, advisory, and insurance services. His prior experience includes roles at Commonwealth Financial Network and Northwestern Mutual Wealth Management Company. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides multiple portfolio management options that can be tailored to client objectives, including proprietary and third-party model strategies.

Timothy Drake is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes various roles in education and seasonal positions unrelated to finance. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Craig Denham is a Senior Financial Advisor with The Martinides Group at Merrill Lynch Wealth Management. He brings 27 years of experience in wealth management, having worked with US Trust, Bank of America's Private Bank division, before joining Merrill in 2012. Craig's career has involved various roles focused on serving high-net-worth individuals and institutional clients. Craig grew up in Yorkshire, England, and moved to the United States in 1994 on a golf scholarship. He earned bachelor's degrees in Finance and Management from the University of Mobile, graduating magna cum laude. He holds the Personal Investment Advisor (PIA) designation. Currently residing in Pennington, New Jersey, Craig lives with his wife, Jill, their children Gwyneth, Felicity, and Tristan, and a variety of pets. Outside of work, he spends time with his family, enjoying activities such as cooking, going to the beach, and golfing.

Renee Donahue is a financial advisor with Merrill based in Yardley, PA, holding a Series 66 designation and 21 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 1998. Outside of her advisory role, she is connected to a construction business owned by her husband, although she has no formal responsibilities in that venture. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Eric Scriffiano is a Series 66-licensed financial advisor with Merrill in Pennington, NJ, where he has worked since 2012. He has 14 years of industry experience. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program. The firm serves a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries, offering model-based and discretionary investment strategies integrated with Bank of America’s broader corporate platform.

Ruhi Lulla is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. She has worked at Bank of America, Merrill, Prudential Insurance Company of America, and Pruco Securities, LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm is integrated with Bank of America’s broader corporate platform, enabling access to a wide range of investment products and services.

Karen Schwartzman is a financial advisor at Merrill with 12 years of industry experience. She has been with Merrill since 2017 and previously worked at AUA Capital Management from 2015 to 2017. She holds the Series 63 and Series 65 licenses. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates investment management with broader Bank of America services, providing access to a wide range of products.

Thomas Walters is a Wealth Management Advisor leading Broughton Ward, a boutique wealth management team within Merrill Lynch Wealth Management. He oversees $2.1 billion in client assets as of October 2025, delivering personalized strategies supported by Merrill's resources and the banking services of Bank of America. His team employs a disciplined, quantitatively driven investment process with six proprietary portfolios, emphasizing risk-adjusted returns, tax efficiency, and cash flow management. Beyond portfolio management, Walters helps clients simplify their financial lives through private banking, custom lending, liquidity planning, and guidance on wealth transitions and generational values. Walters holds the CERTIFIED FINANCIAL PLANNER® professional designation and several other credentials including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Portfolio Manager (CPM), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree from Oberlin College. Based in Saint Paul, Minnesota, Walters maintains personal interests in music, golf, cycling, and snowboarding. He is involved in his community through participation with organizations such as the MacPhail Center for Music and Claire Housing.

Sarah Wagner Fiorelli is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 designation and previously worked at Stifel Nicolaus & Co Inc before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and advanced modeling techniques.

Laura Watson is a financial advisor at Merrill with four years of industry experience and holds a Series 66 designation. She has been with Merrill since 1996. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Karen Aversano is a CFP®-designated financial advisor with Edward Jones, where she has worked since 2012, totaling 13 years of industry experience. She operates out of Lambertville, NJ. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and offers a range of advisory programs featuring discretionary and non-discretionary strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services.

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 roles include positions at Coastal Equities, Inc. and Brick & Kyle Associates RIA. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to a broad set of financial products and services beyond typical investment offerings.

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 a Series 66 designation and has been with Merrill since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional investors. The firm integrates with Bank of America’s broader corporate platform, allowing access to a wide set of products and services.

Kersti Jakobson is a financial advisor at Merrill with 14 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2005. Merrill provides managed account services through the Select Portfolio Solutions program, serving a wide range of clients including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s investment approach includes model-based and discretionary strategies, with access to a broad set of products through its affiliation with Bank of America.