Richard Winkle is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 credential and six years of industry experience. He has been with Merrill and Bank of America since 2020, following eight years at Bank of America prior to that. 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.

Peter Black is a financial advisor at UBS Financial Services with 40 years of industry experience. He holds Series 63 and Series 65 designations. Prior to joining UBS in 2023, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2011 to 2023. Black serves as a trustee and executor for multiple family trusts and estates. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor solutions based on proprietary research and capital market assumptions.

Rebecca Meyer is a financial advisor at Merrill with nine years of industry experience. She has been with Merrill Lynch Pierce Fenner & Smith since 2016 and holds a Series 66 designation. 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.

Mark Olszak is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory services across a large network of more than 14,000 financial advisors.

Dawn Eichhorn is a financial advisor with Merrill in Princeton, NJ, holding Series 63 and Series 66 registrations and bringing 31 years of industry experience. She has been with Merrill since 1993. 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 using model-based and discretionary investment strategies.

Anthony Cortina is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2020 and was previously with UBS from 2014 to 2020. He holds the Series 66 credential. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and a structured planning process. The firm manages approximately $2.74 trillion in client assets and provides services that include investment advisory, estate planning strategies, and corporate financial planning agreements.

Christopher Hellmann is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 securities licenses and has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 2002. 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.

Lisa D'amelio is a Series 66-registered financial advisor with Merrill, where she has worked since 2016. She has 28 years of industry experience and is based in Yardley, PA. 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.

Daniel Saperstein is a financial advisor at Merrill with 30 years of industry experience. He has held Series 63 and Series 65 designations and has been with Merrill since 2002. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Edward Kucharski is a CFP® with 42 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2023, following a 23-year tenure at FSC Securities Corporation. Outside of his advisory role, he has operated a mortgage and real estate referral group and a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios, third-party research, and technology-driven solutions.

Walter Podgurski is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Osiac Wealth, Inc. since 2008. Outside of his primary role, he is involved in other investment-related activities, including ownership of Veritas Investment Group LLC and serving as an investment adviser representative at New Century Financial Group LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a broad range of integrated brokerage and advisory services utilizing various asset allocation tools, risk assessments, and third-party platforms to manage portfolios across multiple asset classes.

Langston Payne is a financial advisor at Merrill with 22 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2007 and Bank of America, N.A. since 2011. Payne serves as an advisory board member for the Brittany Commons Community Association, where he provides financial oversight. 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, delivering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jessica Shea is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 credential and 20 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

Glenn Demarrais Jr. is a financial advisor at LPL Financial with nine years of industry experience. He holds the Series 66 designation and has worked previously at firms including IC Advisory Services Inc, The Investment Center Inc, KBK Wealth Management, Commonwealth Financial Network, and UBS Financial Services Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers a range of advisory programs, financial planning, and brokerage services, with both discretionary and non-discretionary management supported by research and diversified strategies.

Joshua Cumberland is a financial advisor at Merrill with 16 years of industry experience and holds the Series 66 designation. He has been with Bank of America and Merrill since 2006. Outside of his advisory role, he serves as Treasurer and board member for Middletown Thunder Fastpitch Softball, overseeing banking relationships and financial reporting for the organization’s teams. 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.

Jessica Larson is a financial advisor at Merrill with 13 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.

David Woloff is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 28 years of industry experience. His prior work includes roles at Santander Bank, Santander Securities, and PNC Financial Services Group. He is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including those using mutual funds, ETFs, and ETPs.

Paul Klimkowski is a CFP® professional with eight years of industry experience, currently serving as an advisor at Osaic Wealth, Inc. He previously worked at FSC Securities and DB Schenker. In addition to his advisory work, he is involved in tax preparation, handling federal and state filings. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm utilizes asset-allocation tools, efficient-frontier analysis, and automated rebalancing to manage portfolios featuring a variety of asset classes, offering both discretionary and non-discretionary account management.

Andrew Fitzmaurice is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2022 and at Bank of America, N.A. since 2024. In addition to his financial career, Fitzmaurice has been affiliated with Rider University 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 strategies developed by internal CIO teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Martha Harding is a financial advisor at UBS Financial Services with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with UBS and its predecessor, Painewebber Inc., since 1989. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to customize financial plans. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of investment and capital markets solutions.