James Linnehan is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 66 designations and bringing 20 years of industry experience. His prior roles include positions at J.P. Morgan Chase Bank, N.A., and J.P. Morgan Securities. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment products. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Jennifer Caylo is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley since 2014 and holds Series 63 and Series 66 licenses. Outside of her advisory role, she is involved in estate-related business activities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Megan Conroy is a financial advisor at Merrill with Series 63 and Series 66 credentials and 10 years of industry experience. She has been with Merrill since 1997. 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, pension plans, and charitable organizations. The firm leverages its integration with Bank of America to offer a wide range of products and services beyond typical managed accounts.

Thomas Allardice is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63 and Series 65 credentials. His career includes a long tenure at Merrill, interrupted briefly by roles at Rockefeller Financial LLC and a period of unemployment. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based, discretionary, and tax-aware investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Akhil Anand is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in working with busy professionals, business owners, and families to develop clear, actionable financial plans that align with their personal goals. Akhil's approach centers on creating personalized wealth management strategies that incorporate tax-aware investment management, retirement income design, estate and legacy planning, and ongoing coordination with clients' other professional advisors. With expertise in areas such as college education planning, divorce transition planning, philanthropic planning, and managing new wealth, Akhil serves clients including executives with investable assets, business owners navigating liquidity events, and families seeking straightforward processes for preserving and growing their wealth. He holds the Personal Investment Advisor designation from Merrill and has completed executive education at Harvard Business School. Akhil earned his bachelor's degree from Wayne State University. Outside of his professional role, Akhil participates in community volunteer activities, reflecting Merrill's tradition of community involvement. His personal interests include basketball, music, reading, and tennis.

Daniel Preece III is a financial advisor with Merrill, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been associated with Merrill since 2008 and with Bank of America, N.A. since 2011. 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.

Richard Wager is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and 11 years of industry experience. His career includes roles at Wells Fargo Clearing, WELLS FARGO Advisors, LLC, and Wells Fargo Bank NA prior to joining Merrill in 2020. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based, discretionary, and tax-aware investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Charles Nagy is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and 43 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm's advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Renegar is a financial advisor with UBS Financial Services in Princeton, NJ, holding Series 63 and Series 65 licenses and having 25 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he serves as an executor for a personal estate. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of services supported by proprietary research and capital markets expertise.

Gary Binenstock is a financial advisor at Merrill with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2005. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program. The firm serves a broad client base that includes 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 corporate platform.

James Mathieu is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2013. 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 individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment management with broader banking services, including lending and custody, which allows access to a wide range of products.

Jonathan Gruca is a financial advisor with Merrill in Princeton, NJ, holding a Series 66 designation and 23 years of industry experience. He has been with Merrill since 2002. 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.

Robert Rafano is a CFP® professional with 24 years of industry experience. He has worked at OSAIC since 2020 and spent 15 years at Ameriprise Financial Services, Inc. Prior to his advisory role, he has served as a board member at large for the Monmouth Council Boy Scouts of America, where he participates in community fundraising and support activities. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and managed-account solutions.

Travis Yawger is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and having two years of industry experience. His prior work includes roles at The Vanguard Group, Northwestern Mutual, and FedEx. 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 for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm operates within Bank of America’s broader corporate platform, providing access to a wide set of products and services beyond traditional investment management.

Craig Hyldahl is a financial advisor with Equitable Advisors in Edison, NJ, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Equitable Advisors since 1999, previously associated with Axa Advisors. Outside of his advisory role, he serves as a Certified Divorce Financial Analyst, providing financial analysis and planning support to divorcing clients, and participates in a collaborative law group’s marketing committee. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and asset management through various third-party programs. The firm employs a hybrid referral and implementation model, utilizing external asset managers and allowing certain advisors discretionary portfolio management under approved arrangements.

William Hipple is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing financial guidance in areas such as college education planning, executive compensation, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. William holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Wesley College. His professional focus is on helping clients develop strategies tailored to their unique financial goals.

David Friedman is a Series 66 licensed financial advisor with 15 years of industry experience, currently practicing at UBS Financial Services in Yardley, PA. He has been with UBS since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm utilizes proprietary capital market assumptions and research to tailor investment plans to clients' goals and risk tolerances.

Jignesh Patel is a Financial Consultant at Fidelity Investments, where he has been serving since 2022. He has held various roles within Fidelity, including Planning Consultant and Relationship Manager, demonstrating a progressive career in financial services since joining the company in 2019. Prior to his tenure at Fidelity, Patel gained experience as a Client Account Manager at Bleakley Financial Group, a Research Analyst at Portfolio Evaluations, a Senior Investment Advisor at Frisch Financial Group, and a Financial Solutions Advisor at Merrill Lynch. Patel's professional focus involves partnering with individuals, couples, and families to build trusting relationships and provide peace of mind regarding their financial futures. He approaches financial planning holistically, aiming to integrate all aspects of a client's financial life. His role leverages the resources of his Fidelity team to co-create, execute, and monitor financial plans tailored to clients' goals. Outside of his professional responsibilities, Patel has interests in fitness, parenthood, photography, running, and traveling.

Neda Sabbagh is a Financial Advisor with Merrill Lynch Wealth Management. In her role as a Merrill Financial Solutions Advisor, she works closely with clients to understand their priorities and develop strategies tailored to their short-, mid-, and long-term financial goals. Her services encompass a range of financial planning areas including general investing, retirement planning, and saving for unexpected events. Additionally, she facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Neda emphasizes building strong relationships based on trust and communication to provide ongoing advice and guidance as clients' needs evolve. She holds the Personal Investment Advisor (PIA) designation and has an educational background that includes a Bachelor's Degree from Northeastern University and a Master's of Business Administration (MBA) from the University of Massachusetts Boston. Outside of her professional activities, Neda enjoys various personal interests such as badminton, biking, interior decorating, music, reading, soccer, spending time with her family, swimming, traveling, and watching movies.

Scott Melzer is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at PMM Financial Group LLC, Waddell & Reed, Inc., and various insurance carriers related to W&R Insurance Agencies, 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 investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches along with various model portfolios and research resources.