Divya Rao is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and nine years of industry experience. Prior to joining Merrill in 2017, she worked at Wells Fargo and Icon Information Consultants. She serves as a co-trustee for a family trust. 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.

George Mundy is a CFP® professional with 32 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Outside of his financial advisory role, Mundy serves as an assistant junior varsity coach for high school ice hockey, teaching ice hockey skills. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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.

Benjamin Schleicher is a financial advisor with LPL Financial in Warminster, PA, holding Series 63 and Series 65 licenses and having 12 years of industry experience. His prior roles include positions at Cuna Mutual Group, CUNA Brokerage Services, Inc., and PRUCO Securities, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset managers, supported by a large network of investment adviser representatives.

Alex Dichter is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Bank of America, Merrill, and Northwestern Mutual among other firms. Outside of his financial advisory role, he is a general partner and managing member of ShopCat LLC, a consumer wellness company that develops functional beverage products. 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.

Mark Melillo is a financial advisor at Stifel with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2019. Prior to this, he was with Wells Fargo Clearing from 2016 to 2019 and Wells Fargo Advisors LLC from 2009 to 2016. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Joseph Meklin is a financial advisor at Merrill with 16 years of industry experience. He has been with Merrill since 2013 and holds Series 63 and Series 65 designations. 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.

Michael Kornblum is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 66 licenses. Before joining Merrill in 2026, he worked at Sushiana for 13 years. 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 a range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Christopher Pozzuto is a financial advisor with Merrill, holding a Series 66 designation and beginning his advisory career in 2026. His prior experience includes roles at Bankers Life, eBay, and Fairfield University. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

James Ruggieri is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, he worked as a public defender in New Jersey and has experience associated with the University of Scranton and a small business venture. 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.

John Sprague is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at Cetera Wealth Services, LLC and Mid Atlantic Resource Group. Merrill, along with its affiliate Managed Account Advisors LLC, serves Bank of America fiduciary clients by providing managed account services 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.

Christian Brown is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab, he worked at Edward Jones for two years. Outside of his advisory role, he has volunteered as a youth lacrosse coach and plans to become a referee for youth lacrosse in New Jersey. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and research.

Carlos Sosa is a financial advisor at Merrill with Series 63 and Series 65 registrations and 28 years of industry experience. He has been with Merrill since 2000 and concurrently with Bank of America since 2009. 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.

Yan Kaliner is a financial advisor at Merrill with 14 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2010 and Bank of America, N.A. since 2013. 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.

Ryan Harrison is a financial advisor with Ameriprise in Levittown, PA, holding a Series 66 designation and nine years of industry experience. He worked at Merrill from 2015 to 2021 before joining Ameriprise in 2021. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing detailed Recommendation Reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-supported recommendations through a centralized consulting team.

Jacqueline Zapicchi Cloughsey is a financial advisor at Cetera with 16 years of industry experience. She holds a Series 66 designation and has previously worked with Ameriprise Financial Services and Signator Investors. She is also an insurance agent selling fixed insurance products and is involved with DFG Financial Group, LLC, a financial services firm. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Claire Wojnar is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 credentials and 16 years of industry experience. She has been with Merrill since 2009. 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, and institutional investors.

Omar Ahmad is a Series 66 licensed financial advisor with Merrill, where he has worked since 2016. He has six years of industry experience and previously worked at Spherion Staffing Agency. 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.

Donovan Stuard is a financial advisor with LPL Financial in Newtown, PA, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at McDermott Investment Services, Merrill Lynch, and as an instructor at Widener University and Bethlehem Catholic High School. 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 broad range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and technology tools to support advisors and clients.

Ryan Ascone is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2009 and 2010, respectively. 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.

Abigail Antwi is a financial advisor at Merrill with one year of industry experience and holds the Series 66 designation. Prior to joining Merrill, she worked in healthcare and legal support roles and is involved in entrepreneurial ventures including ownership of a healthcare services company and a women's retail clothing line. 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 institutions.