Andrew Salmon Jr. is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His background includes roles in education at various institutions and employment at Pennington Quality Market. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Sean Mc Intyre is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked for T-Mobile from 2016 to 2024. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Jill Borges is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. Prior to joining Merrill in 2020, she worked at BlackRock from 2015 to 2019. Outside of her advisory role, she owns Kings of Tailgating, LLC, a business focused on event setup. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

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 with Merrill holding a Series 66 designation. He has one year of industry experience and has worked in various roles including positions at United Energy Services, Somerset County, and the University of Delaware. 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, pension plans, corporations, and charitable organizations.

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 in Yardley, PA, holding a Series 66 designation and 22 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 started by her husband, although she does not have operational responsibilities. 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 a range of clients including individuals, high-net-worth clients, and institutional accounts.

Eric Scriffiano is a financial advisor at Merrill with 15 years of industry experience and holds a Series 66 credential. He has been with Merrill since 2012. 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, retirement plans, corporations, and charitable organizations.

Ruhi Lulla is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. Prior to joining Merrill and Bank of America in 2022, Ruhi worked at Prudential Insurance Company of America and Pruco Securities, LLC. 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, pension plans, corporations, and charitable organizations.

Karen Schwartzman is a financial advisor at Merrill with 12 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at AUA Capital Management from 2015 to 2017. She has been with Merrill since 2017. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 20 years of industry experience. She holds a Series 66 designation and previously worked at Stifel Nicolaus & Co Inc from 2016 to 2020 before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and model-based analyses as part of its financial planning process.

Laura Watson is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill since 1996. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 experience includes roles at Coastal Equities, Inc. and Brick & Kyle Associates RIA. 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, pensions, corporations, and charitable organizations.

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 the Series 66 designation and 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kersti Jakobson is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2005. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Timothy Dunnigan is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. He has been with Merrill since 2014 and previously worked at Bank of America, N.A. for three 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Geetha Mathew is a financial advisor at Ameriprise with a Series 66 designation and over 11 years of industry experience, including a decade at Arthur J Gallagher. She joined Ameriprise in 2025. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of large institutional firms.