Thomas Matarazzo is a financial advisor at Merrill with 20 years of industry experience. He has been with Merrill since 2009 and holds Series 63 and Series 65 licenses. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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 constructed by internal and third-party managers.

Catherina Migliaccio is a financial advisor with Raymond James & Associates, holding a Series 66 credential and bringing 10 years of industry experience. She previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc. for a decade before joining Raymond James in 2022. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning and consulting services supported by a nationwide adviser network.

Arthur Martin is a financial advisor with RBC Capital Markets in Princeton, NJ, holding Series 63 and Series 65 licenses and bringing 52 years of industry experience. He has previously worked at Morgan Stanley in various private banking and Smith Barney roles from 2010 to 2020. Outside of his advisory practice, he is an active general partner in a family investment partnership. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by RBC’s capital markets capabilities and integrated financial services.

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.

Justin Hughes is a financial advisor at Merrill with two years of industry experience and holds the Series 66 designation. His prior roles include positions at Bank of America, N.A., Cetera, and McMaster-Carr Industrial Supplies. 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 individual and high-net-worth clients, as well as pension plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies constructed by internal and third-party managers.

Randy Jarzyna serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2006. In this role, he focuses on providing clients with comprehensive financial planning services. Throughout his career, Randy has dedicated himself to assisting clients in various aspects of financial planning, including basic investing, income protection, retirement planning, and estate planning. He emphasizes engaging clients in discussions about their goals, objectives, and concerns to tailor his approach effectively.

Melvin Goldstein is a ChFC®-designated financial advisor with 56 years of industry experience. He has been affiliated with Linsco / Private Ledger Corp. since 2001 and operates under the firm LPL Financial in Marlboro, NJ. Goldstein is also involved in insurance and pension consulting through Advanced Capitol Strategies, Inc., dedicating part of his time to life, health, disability, and group benefits. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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.

Stephanie Williams is a financial advisor at Merrill with a Series 66 designation and 10 years of industry experience. She has been with Merrill since 2014. 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 organizations.

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 66 and Series 63 licenses. His prior experience includes over a decade at Sushiana before joining Merrill in 2026. Merrill 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.

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.

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.

Jacqueline Zapicchi Cloughsey is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. She has worked at Ameriprise and DFG Financial Group, LLC, where she continues to provide financial services. Cloughsey is also an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to various third-party managers and customized investment strategies.

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.

Jeffrey Burns is a financial advisor at Ameriprise with 34 years of industry experience. He holds the Series 63 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income advice through a centralized consulting team.