Richard Winkle is a financial advisor at Merrill in Pennington, NJ, with six years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2011. Outside of his advisory role, he is the owner of a proposed property management business. Merrill provides managed account services to Bank of America fiduciary clients through model-based and discretionary investment strategies, serving a broad client base that includes individuals, high-net-worth clients, and various institutional investors.

Peter Black is a financial advisor at UBS Financial Services with 40 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining UBS in 2023, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2011 to 2023. Black serves as a trustee and executor for multiple family trusts and estates. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor solutions based on proprietary research and capital market assumptions.

Rebecca Meyer is a financial advisor at Merrill with nine years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch Pierce Fenner & Smith since 2016. 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 that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America’s platform allows access to a wide range of products and services beyond typical managed account offerings.

Mark Olszak is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory services across a large network of more than 14,000 financial advisors.

Dawn Eichhorn is a financial advisor with Merrill in Princeton, NJ, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. She has been with Merrill since 1993. 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. The firm is integrated with Bank of America’s broader platform, providing access to a wide set of products and services.

Anthony Cortina is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2020 and was previously with UBS from 2014 to 2020. He holds the Series 66 credential. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and a structured planning process. The firm manages approximately $2.74 trillion in client assets and provides services that include investment advisory, estate planning strategies, and corporate financial planning agreements.

Christopher Hellmann is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2002. 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 diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s corporate platform, providing access to a broad range of products and services.

Lisa D'amelio is a Series 66-licensed financial advisor with 28 years of industry experience. She has been with Merrill since 2016. 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. The firm is integrated into Bank of America's broader platform, providing access to a wide set of investment products and services.

Daniel Saperstein is a financial advisor at Merrill with 30 years of industry experience. He has held his current role since 2002 and holds Series 63 and Series 65 licenses. 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.

Edward Kucharski is a CFP® with 42 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2023, following a 23-year tenure at FSC Securities Corporation. Outside of his advisory role, he has operated a mortgage and real estate referral group and a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios, third-party research, and technology-driven solutions.

Walter Podgurski is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Osiac Wealth, Inc. since 2008. Outside of his primary role, he is involved in other investment-related activities, including ownership of Veritas Investment Group LLC and serving as an investment adviser representative at New Century Financial Group LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a broad range of integrated brokerage and advisory services utilizing various asset allocation tools, risk assessments, and third-party platforms to manage portfolios across multiple asset classes.

Langston Payne is a financial advisor at Merrill with 22 years of industry experience and holds the Series 66 designation. He has been with Merrill since 2007 and Bank of America since 2011. Payne serves as an advisory board member for the Brittany Commons Community Association, providing financial oversight. Merrill offers managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm utilizes model-based and discretionary investment strategies integrated within Bank of America’s platform.

Jessica Shea is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 credential and 20 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

Glenn Demarrais Jr. is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 66 designation and has worked previously at firms including IC Advisory Services Inc, The Investment Center Inc, KBK Wealth Management, Commonwealth Financial Network, and UBS Financial Services Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers a range of advisory programs, financial planning, and brokerage services, with both discretionary and non-discretionary management supported by research and diversified strategies.

Joshua Cumberland is a financial advisor with Merrill, holding a Series 66 designation and 16 years of industry experience. He has been associated with both Merrill and Bank of America since 2006. Outside of his advisory role, he serves as treasurer and board member for Middletown Thunder Fastpitch Softball, a travel softball organization in Pennsylvania. 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, and institutional investors.

Jessica Larson is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2012. 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 integrates these services within Bank of America’s broader platform, providing access to a wide set of products and related financial services.

David Woloff is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 28 years of industry experience. His prior work includes roles at Santander Bank, Santander Securities, and PNC Financial Services Group. He is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including those using mutual funds, ETFs, and ETPs.

Paul Klimkowski is a CFP® professional with eight years of industry experience, currently serving as an advisor at Osaic Wealth, Inc. He previously worked at FSC Securities and DB Schenker. In addition to his advisory work, he is involved in tax preparation, handling federal and state filings. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm utilizes asset-allocation tools, efficient-frontier analysis, and automated rebalancing to manage portfolios featuring a variety of asset classes, offering both discretionary and non-discretionary account management.

Andrew Fitzmaurice is a financial advisor with Merrill and holds a Series 66 designation. He has three years of industry experience, including roles at Merrill and Bank of America, N.A. Outside of financial services, he has worked at Shoprite of Hunterdon County and has been affiliated with Rider University since 2015. 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.

Jason Mancini is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2014. In his role, he focuses on delivering wealth management strategies tailored to help clients pursue their financial goals through a personalized process. This approach begins with understanding clients’ priorities, followed by developing and executing customized savings and investment plans, with ongoing oversight and adjustments as needed. Jason’s professional background includes experience as a portfolio analyst and trader at a boutique investment firm in New York City. He holds a Bachelor's and a Master's Degree in Economics from Kent State University. His expertise encompasses a comprehensive four-pillar system involving assets, debt, trusts and estates, and banking solutions through Bank of America, N.A. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Residing in Westfield, New Jersey, Jason lives with his wife Amanda, their son Giuseppe, and their dog Pongo. Outside of his professional life, he enjoys running, hiking, reading, playing chess, and CrossFit. Jason maintains involvement in his community through participation with organizations such as Knights of Columbus and The Father's Heart Ministries.