Mara Miller is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 65 licenses and 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, pension and profit-sharing plans, corporations, and charitable organizations.

Jaclyn Neuwirth is a Financial Consultant at Fidelity Investments, a role she has held since 2023. Prior to this, she served as an Investment Consultant and Central Relationship Manager at Fidelity Investments, and earlier in her career, she worked at Charles Schwab as an Associate Financial Consultant and Client Service Specialist. Jaclyn's professional experience spans various aspects of financial consultation and client service within the investment industry. She holds a California Insurance License, which complements her expertise in financial planning and investment consultation. Jaclyn emphasizes the importance of creating financial plans that begin with clients' aspirations and a clear understanding of available options. She focuses on empowering clients through education and building long-term trusting relationships. Outside of her professional work, Jaclyn enjoys camping, family activities, horseback riding, and traveling.

Florence Perry is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Emma Carey is a financial advisor with Merrill and holds a Series 66 designation. She has eight years of industry experience, including prior roles at UBS Financial Services and Pactolus Private Wealth Management. Carey is currently based in Flemington, NJ. 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.

Karen Tiedemann is a financial advisor with Merrill, holding a Series 66 designation and 23 years of industry experience. She has worked at Merrill since 2007 and has been with Bank of America, N.A. since 2020. 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. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Margaret Mcclain is a Series 66-licensed financial advisor with Merrill, based in Bridgewater, NJ. She has 20 years of industry experience and has been with Merrill since 2015. 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.

Alicia Columbro is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. She has worked at Wells Fargo Clearing since 2021 and previously spent eight years at S&P Global Market Intelligence. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary investment advisory services. The firm’s approach 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 Lupton is a financial advisor with Wells Fargo Clearing in Short Hills, NJ. He holds Series 63 and Series 66 licenses and has 29 years of industry experience, including prior roles at Barclays Capital Inc. and Lehman Brothers Inc. since joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions supported by research and analytics.

Walter Pardo is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 34 years of industry experience. He has worked at multiple firms including Independent Financial Group, LLC and Avantax entities, and has managed his own financial planning and tax consulting businesses for over a decade. Pardo is involved in delivering financial planning, retirement planning, tax planning, and legacy planning through his role at Private Client Group WFP LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment models and third-party managers.

Lama Elsabeh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. She has been with Wells Fargo entities since 2015. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Michael Figurski is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and 27 years of industry experience. His prior roles include positions at UBS Financial Services, PNC Wealth Management, and Cetera Wealth Services. He serves on the Board of Directors for Medix Pro Clot 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 retirement-income planning advice based on written reports, focusing on dependable income sources and tax-aware withdrawal strategies.

Rakesh Agrawal is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked previously at Grand Castle Realty and Prudential Insurance Company of America. Outside of advising, he is involved as a real estate salesperson with LOVI Real Estate LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers a range of financial planning, asset management, and insurance services.

Shenghua Wang is a financial advisor at LPL Enterprise with 25 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at firms including Prudential Insurance Company of America and MSI Financial Services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Laura Osifchin is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 credential and has been with Bank of America and Merrill since 2018. Prior to her current role, she was involved with Lean Out Communications LLC and Avantor, Inc. She has also had a fiduciary role outside of her advisory work. Merrill, together 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. The firm offers both model-based and discretionary strategies developed by internal and third-party managers, with portfolio implementation tailored to client needs.

Huiqing Gu is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 29 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and has worked at Massachusetts Mutual Life Insurance Company since 2016. Outside of advisory work, she is active as a sales agent in insurance brokerage, specializing in individual and group life, health, dental, disability, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved tools to deliver collaborative, annual planning engagements.

Raymond Rudorfer is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 23 years of industry experience. He previously worked at Ic Advisory Services, Inc. and The Investment Center, Inc. His current role at LPL Financial began in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services, utilizing models, third-party subadvisors, and customized strategies supported by technology tools, and it oversees over $819 billion in discretionary assets through a broad network of more than 22,800 advisors.

Matthew Boyd is a financial advisor at UBS Financial Services with three years of industry experience. He holds a Series 66 designation and has been with UBS since 2021. Prior to his finance career, he worked at Morris County Golf Club for seven years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary capital market assumptions and research to tailor investment strategies aligned with clients’ goals and risk tolerances.

Jack Lind is a financial advisor with Charles Schwab in Bridgewater, NJ, holding Series 63 and Series 66 designations and 25 years of industry experience. He has previously worked at TD Ameritrade Investment Management, TD Ameritrade, and Scottrade. Lind has been with Charles Schwab and its affiliated entities since 2018. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment options.

Irene Warner is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley & Co Incorporated for 12 years before joining Wells Fargo in 2021. Outside of her advisory work, Warner serves as treasurer for the Girl Scouts of Cranford and is a Reiki master and teacher. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Jonathan Brosnan is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2000, currently operating out of Bridgewater, NJ. Prior to joining Bank of America, N.A. in 2026, he spent over two decades with Merrill Lynch. 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.