Emma Tilley is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, she worked in various roles including at Short Hills Marble and Tile and Charlie Brown's Steakhouse. 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.

Robert Huesken is a financial advisor at Merrill with nine years of industry experience. He holds Series 66 and Series 63 designations and has worked at several firms, including Wells Fargo, PNC Bank, and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Nicholas Scheurer is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America and Merrill, as well as academic positions at Rowan School of Osteopathic Medicine and Rowan Economics Department. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Scott Furnish is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 licenses and with 25 years of industry experience. He has been with Merrill since 2003. 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.

Hui Corona is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing wealth management solutions tailored to affluent clients and families. She holds professional designations including Certified Private Wealth Advisor (CPWA®), Certified Exit Planning Advisor (CEPA®), and Personal Investment Advisor (PIA). Hui focuses on helping business leaders develop strategies for tax minimization, asset monetization and protection, growth maximization, and wealth transfer. Her expertise includes guiding business owners through exit planning, from maximizing business value to ensuring smooth transitions. Hui takes a client-centric approach by understanding individual goals and providing advice on investing, retirement planning, and financial preparedness. She earned a Bachelor's Degree from the University of International Business and Economics, an MBA from the University of Illinois at Chicago, and completed an accredited certificate program at Yale School of Management. Hui communicates fluently in English and Chinese.

Kyle Glenn is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and previously worked at Bank of America, Dick's Sporting Goods Inc, and other companies. Outside of his advisory role, he works as an independent contractor for Instacart, providing delivery services. Merrill, together 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 a range of individual and institutional clients.

Max Fallon is a Series 66-licensed financial advisor with Merrill, based in Pennington, NJ, and has one year of industry experience. Prior to joining Merrill and its affiliate Bank of America, he worked in various roles including at Andrew's Automotive Detailing LLC and Rutgers University. Outside of finance, he is a co-owner and musician at Hot Dress LLC, a business focused on writing, recording, and performing original music. 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.

Meghan Sutphen is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. Prior to joining J.P. Morgan, she worked at Equitable Advisors and held various roles in education and retail. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and has broader derivatives and commodities capabilities compared with many institutional programs.

George Jenkins is a financial advisor with LPL Financial in Pennington, NJ, holding Series 63, 65, and 66 licenses and 34 years of industry experience. His prior work includes roles at Edward Jones and Private Portfolio Partners, LLC. He also offers clients Medicare Supplement Insurance through Martin Insurance Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management services through a large network of investment adviser representatives.

R. Michael Braender is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Grove Point Investments, H. Beck, and Minnesota Life Insurance Company. Outside of advising, he is involved as a registered representative with RMB Wealth Advisors, LLC, offering financial services to clients. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm operates a multi-manager platform providing a range of portfolio management and financial planning services through discretionary and non-discretionary programs.

Peter Piccinini is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He worked at Stifel for 10 years before joining LPL Financial in 2017. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with account management conducted primarily by its investment adviser representatives using various strategies and tools.

Tony Bradica is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2000. Outside of his advisory role, Bradica serves as a board member and age coordinator for the Bolton Youth Soccer Association, where he is involved in team assignments and organizational decisions. 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.

David Scafa is a financial advisor with Cetera, holding the PFS™ and Series 63 designations and bringing 27 years of industry experience. He has worked with several firms including Avantax and operates Scafa Professional Center, LLC. In addition to advisory roles, he provides tax preparation and accounting services through his own CPA practice. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with diversified investment programs, combining model portfolios, third-party managers, and customized strategies.

Michael Warin is a financial advisor with Cetera, holding a Series 63 designation and bringing 28 years of industry experience. He has worked at Cetera since 2025 and previously spent over two decades at Avantax in various capacities. Outside of his advisory work, Warin is active in community service through roles at Faith Lutheran Church, including auditing finances, serving as an usher, co-chairing the soup kitchen committee, and chairing an annual hunger walk. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management options and financial planning services through a nationwide network of independent advisors.

Jared Klancic is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2022, previously holding a position at Bank of America, N.A. from 2024 to present. Before his advisory roles, he has professional experience at Widener University, Primo Hoagies, and Roman Catholic. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal CIO teams and third-party managers.

Christopher Mottershead is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation 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.

Logan Murphy is a Series 66-credentialed financial advisor with two years of industry experience, currently serving at Raymond James Financial. His prior experience includes roles at OSAIC Wealth, Inc. and Northwestern Mutual. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional clients. The firm employs a non-discretionary approach tailored to client goals using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Matthew Doyal is a financial advisor with LPL Financial, holding Series 65 and Series 66 credentials and 11 years of industry experience. His prior roles include positions at Cuna Brokerage Services Inc., Pentagon Federal Credit Union, and Banc Of America Investment Services, Inc. He has been involved in management duties at Pentagon Federal Credit Union since 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Charmaine Talvy is a financial advisor with Fidelity, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Morgan Stanley and Morgan Stanley Private Bank, N.A., and she was involved with Table Top Toys Inc. for seven years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

Ian Ruderman is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. Outside of his advisory work, Ruderman is involved in several ventures including ownership of a whisky event company, participation as a partner in a distillery, and serving as president of a college alumni board. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved software tools to analyze client goals and provides ongoing, collaborative financial planning engagements.