Michael Ebert is a CFP® professional with 16 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. His prior experience includes roles at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Management. Ebert serves as a board member and treasurer for both the Crossing Cooperative Nursery School and the Boy Scouts of America Troop 99. Cambridge Investment Research Advisors serves a diverse client base including individual, institutional, pension, and charitable organizations by providing financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and offers account implementation across multiple platforms and custodians, supporting both discretionary and non-discretionary management.

Dennis Angeles is a financial advisor at Fidelity with 23 years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes a role at Samuel A Ramirez & Co., Inc. from 2016 to 2019. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various investment vehicles.

Evan Metz is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity in 2025, he was the sole proprietor and general manager of Pink Skirt Desserts, a bakery, from 2021 to 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of investment products.

Matthew Mattia is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 12 years of industry experience. He 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 a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Margolis is a financial advisor at Raymond James & Associates with five years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2017, with additional experience at Temple University and Ursinus College. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets, serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and advisory services that are typically non-discretionary, utilizing various portfolio management styles and in-house research.

Richard Oring is a financial advisor with Osaic, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has worked at New Century Financial Group, LLC for 22 years and Osaic Wealth, Inc. for 24 years. Outside of his advisory role, he serves as vice president and treasurer for nonprofit organization Congregation Beth El and acts as trustee for a charitable remainder unitrust. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services across multiple programs. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by a range of investment strategies and third-party managers.

Scott Janusz is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, he worked at Lifetouch NSS for 14 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth individuals, and institutions.

John Doran is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping clients develop personalized financial strategies to pursue their goals. His client focus areas include college education planning, family wealth management strategies, institutional investment consulting, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and tax minimization. John holds a Bachelor's Degree from Kings College and has earned several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach centers on uncovering what matters to clients and their families to create strategies tailored to their financial objectives. Outside of his professional work, John enjoys boating, fishing, spending time with his family, and watching movies.

Anthony Roman is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tyler Aportela is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2021. His prior work history includes roles at Monmouth University and Jenkinson's Boardwalk. 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, and institutional clients such as pension plans and charitable organizations.

Gregory Hayes is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he oversees and coordinates the financial affairs for a select group of families, retirees, business owners, corporate executives, and institutions. He focuses on helping clients manage their wealth, plan for retirement, and prepare for college education, aiming to assist them in making sound financial decisions throughout their lives and across generations. Mr. Hayes has been with Merrill Lynch Wealth Management for over 35 years. He has been consistently recognized by Barron's magazine as one of the nation's top financial advisors from 2010 through 2026, listed extensively in Barron's Top 1000, 1200, and 1500 Advisors rankings. He has also received acknowledgment from the Financial Times Top 400 Financial Advisors in 2014 and Forbes Best-in-State Wealth Advisors from 2022 through 2026. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Fairfield University. Gregory resides in Bucks County, Pennsylvania, and the Jersey Shore with his wife of over 30 years and their three children. He enjoys adventure sports, music, pickleball, surfing, swimming, and traveling. In his community, he has been active in coaching and leading various sports programs and supporting local causes.

Michael Brooks is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has held positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, Merrill, and UBS Financial Services. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Nikolai Gasiorowski is a financial advisor at Edward Jones with 19 years of industry experience. He has held his current position since 2014 and holds Series 63 and Series 66 designations. Outside of his advisory role, he is involved in a real estate rental business in New Hope, PA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment strategies and affiliated financial services, supported by a large network of advisors and branch offices.

Julie Fox is a financial advisor with UBS Financial Services in Newtown, PA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with UBS since 2011. Fox serves on the board of directors for the Philadelphia Holocaust Remembrance Foundation, an educational nonprofit focused on Holocaust memorial and fundraising activities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, offering financial planning, portfolio management, and a range of investment products. The firm combines institutional trading capabilities with wealth management, utilizing proprietary research and capital market assumptions to tailor investment plans to client goals.

Robert Krzyzkowski is a financial advisor at Fidelity with 20 years of industry experience. He holds a Series 66 designation and has worked at Fidelity and its affiliated entities since 2006, with a brief period at Ameriprise in 2006. Outside of his advisory work, he owns "Cheesing It Up," a project focused on creating videos and writing articles. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across various investment vehicles.

George Walloff is a financial advisor with Wells Fargo Clearing in Doylestown, PA, holding Series 63 and Series 65 licenses and having 16 years of industry experience. His prior work history includes roles at LPL Financial and Morgan Stanley before joining Wells Fargo Bank, NA and Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory, financial planning, and retirement consulting services. The firm uses research from Wells Fargo Investment Institute alongside third-party data and employs diversification and modern portfolio theory in its investment evaluations.

Leslie Crilley is a financial advisor with LPL Financial, holding a Series 66 designation and 39 years of industry experience. Her prior roles include positions at UBS Financial Services, BlackRock Investment Management, and Merrill Lynch Investment Managers. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, and third-party asset management, supported by advanced research and operational tools.

Michael Costo is a financial advisor with Merrill, holding a Series 66 designation and having 21 years of industry experience. He has worked at Merrill since 1995. Outside of his advisory role, he is a co-owner of a family rental property business in Ocean City, 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional clients.

Kanisha Scott is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Merrill since 2022 and previously held roles at the University of Pennsylvania, the City of Philadelphia Department of Revenue, and EDM Americas. Outside of her advisory role, she is employed as a bartender and concessions worker at Profit Legends Hospitality LLC in New York. 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.

Nicholas Caruso is a financial advisor with Charles Schwab, holding a Series 66 designation and 18 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2008. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset, model portfolio investment approach supported by extensive research and centralized operational infrastructure.