Eric Hlava is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 36 years of industry experience. He has been with Merrill since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

David Gallello is a financial advisor at Fidelity with 15 years of industry experience. He holds a Series 66 designation and has worked at various Fidelity entities since 2013, as well as at VOYA Financial Advisors, Inc. from 2011 to 2013. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage model portfolios across various asset classes.

Sarah Rhoades is a financial advisor at Merrill with 13 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2010. Outside of her advisory role, she works as a freelance background actor for television shows and movies and co-manages a food blog focused on photography and social media content with her spouse. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alan Brum is a financial advisor at Raymond James & Associates with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Ameriprise, Kestra Investment Services, and TD Ameritrade. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Maureen Mc Devitt is a financial advisor at Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 66 designations with 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2017 and previously worked at Alessa Restaurant from 2016 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced modeling tools.

John O'Donnell is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Prudential Equity Group, LLC. Outside his advisory duties, he owns and manages practice operations through JacAcq LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides detailed retirement planning advice focusing on dependable income sources and tax-aware withdrawal strategies.

Brendan Perry is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. His prior work includes roles at DoorDash, Victory Home Remodeling, and The Catholic University of America. 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 institutional investors.

Kathryn Handschur is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2004. Outside of her advisory role, she serves as Vice President of the PTA at her daughter’s school, participating in fundraising and community events. 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 institutions.

Katharine Biernacki is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. She has been with Merrill since 2006 and also works with Bank of America, N.A. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Roger Alvarado is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 13 years of industry experience. He has been with Merrill since 2007. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zachary Martin is a financial advisor at RBC Capital Markets with six years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and City National Bank. Prior to his advisory roles, he spent time in education and worked at Siemens Healthineers and Enterprise Rent-A-Car. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients’ risk profiles with access to in-house and third-party investment managers.

Dev Patel is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2015. 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.

Steven Gappa is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over a decade of experience in the financial services industry, having worked in various roles at asset management firms prior to joining Merrill Lynch in 2010. Steven holds a Bachelor's Degree from Kean University and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has been married to Lisa since 2002, and they have two daughters.

Carolyn Anderson is a financial advisor at Merrill with 14 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2015. 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.

Aiden Minter is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Prior to joining Merrill, he worked at Selection Staffing and Lowe’s, and spent several years affiliated with Rutgers University and Hillsborough High School. 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 clients, and institutional accounts.

Michelle Holahan is a financial advisor with RBC Capital Markets in Princeton, NJ, holding Series 63 and Series 65 registrations and bringing 28 years of industry experience. She has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers various advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Christopher Gardner is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. He has over 25 years of experience working with Fidelity's High Net Worth clients, specializing in retirement, income, and wealth planning. Christopher focuses on helping clients create, execute, and maintain financial plans tailored to their individual needs and family situations. His career at Fidelity began in 2001 as a Financial Representative and progressed through roles including Investments Representative and Account Executive before his current position. Throughout his tenure, he has developed expertise in managing complex financial strategies for high-net-worth individuals. Outside of his professional work, Christopher is engaged in family activities and parenthood, as well as enjoying soccer.

Joseph Della Croce is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America, Alliance Mobile, and the United States Air Force. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Frank Winters is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2010. Outside of his advisory role, he is the owner of WINTERVENTION LLC, a patent design business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Glenn Lanzafama is a financial advisor at Merrill with 25 years of industry experience. He has been with Merrill since 2002 and holds Series 63 and Series 66 licenses. 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 plans, corporations, and charitable organizations.