Jeffrey Condit is a financial advisor at Merrill with 10 years of industry experience and holds the Series 66 designation. His prior work includes positions at Fred Alger & Company, LLC, and Bank of America, N.A. He is based in Princeton, NJ. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Matthews is a financial advisor at Merrill with 19 years at the firm and two years of industry experience. He holds the Series 66 designation and is based in Pennington, 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 strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brian Bernath is a financial advisor at Merrill with 29 years of industry experience. He has been with Merrill since 2004 and holds a Series 63 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wendy Warner is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill since 2015. 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.

Emily Paget is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, she worked at the University of Delaware and in the Smithtown School District. 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 detailed retirement income planning and ongoing advice, using proprietary research and a centralized service team.

Michael Messina is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been working in the financial services industry since 2007, with experience that includes roles as a Planning Consultant and Relationship Manager at Fidelity Investments, a Wealth Management Advisor at TIAA CREF, and a Financial Representative at Northwestern Mutual. His approach involves assessing clients' unique financial situations and collaboratively building plans that help them pursue financial confidence. He focuses on understanding his clients' ambitions and aligning them with effective tools and resources to assemble a path toward their goals. Michael holds a California Insurance License. Outside of his professional work, Michael has personal interests that include biking, camping, hiking, and snowboarding.

Paul De Grazia is a Senior Financial Advisor for Merrill Lynch Wealth Management based in the Princeton, NJ complex. He began his career with Merrill in 1995, initially focusing on Retirement, Executive Compensation, and Employee Benefit plans. Since rejoining Merrill in 2016 with the Loff Warringer Group, now Warringer DeGrazia & Associates, Paul has provided advisory and leadership services to individuals, small businesses, and institutional clients. With more than 30 years of experience, Paul employs a holistic, goal-based approach to understand and address the unique needs of his clients. Utilizing the investment resources of Merrill and the banking capabilities of Bank of America, along with the expertise of Warringer DeGrazia & Associates, he offers personalized strategies encompassing investment management, banking, lending, education and planning, as well as trust and estate considerations. His client focus areas include college education planning, family wealth management, legacy planning, socially responsible and ESG investing, and tax minimization. Paul holds a Bachelor's Degree from Seton Hall University and a Master's Degree from Georgian Court University. He has earned the Personal Investment Advisor (PIA) professional designation. In addition to his professional work, Paul is involved in community service through the Knights of Columbus in Allentown, NJ.

William Black Jr. is a financial advisor at Morgan Stanley with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services supported by proprietary planning tools and a structured discovery process.

Loren Dietrich is a financial advisor at Merrill with 14 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2014. 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.

Evan Silverman is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and having 13 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he serves as an officer in The Kairos Project, a technology business based in Pennsylvania. 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 and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and economic modeling.

Joseph Lauri Jr. is a Series 66-licensed financial advisor with UBS Financial Services in Princeton, NJ. He has 23 years of industry experience, all of which has been spent with UBS since 2003. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Cahrii Nettles is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill, Nettles held roles at PricewaterhouseCoopers and worked at Shoe Show Inc. and Rider University. 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, pension plans, corporations, and charitable organizations.

Stephen Thomas is a Wealth Management Advisor based in Princeton, NJ, affiliated with Merrill Lynch Wealth Management. He joined Merrill Lynch in February 2008 and has served as a wealth management advisor since June 2014. Stephen is part of the Barry Team, where he focuses on retirement planning and executive benefits. He has developed expertise in employer-sponsored plans, including 401(k) plans, equity awards, non-qualified deferred compensation, and defined benefit pension plans. His role involves educating clients on employer benefits to help them understand how these accounts may aid in achieving their personal financial goals. His client focus areas include education planning, employee benefits planning, executive compensation, equity compensation services, legacy planning, personal retirement planning, portfolio management services, tax minimization, and retirement income. Stephen graduated from Rutgers University in 2006 with a Bachelor of Arts degree in Economics and a secondary focus on Psychology. He holds the Chartered Retirement Planning Counselor™ designation obtained in 2012, the CERTIFIED FINANCIAL PLANNER® certification earned in 2017, and the Personal Investment Advisor designation. He lives in New Hope, PA, with his wife Esther, son Harrison, daughter Cameron, and their adopted dog Balboa. In his free time, Stephen enjoys watching baseball, particularly the New York Yankees, as well as writing and performing live music in his local community.

Zachary Pirone is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America N.A. and The College of New Jersey. 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 individual and institutional clients.

Anthony Antoniello is a financial advisor at Cetera with 22 years of industry experience. He holds the Series 66 designation and has previously worked at Voya Financial Advisors. Outside of his advisory role, he operates as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting both discretionary and non-discretionary account management.

Ralph Wright is a financial advisor at UBS Financial Services with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2014. Outside of his advisory role, he serves on the board of the Cannon Dial Elm Club at Princeton University, focusing on parking-related issues for club members and employees. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

George Holmes Jr. is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2021 and was previously employed at Bank of America and Footlocker. 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.

Matthew Robinson is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. He has worked at UBS since 2025 and previously held positions at BNY, Sei, and Tiedemann Advisors. His background also includes roles at Temple University and Arcadia University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial products and capital markets solutions.

Abhinay Madadi is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2017 and was self-employed for one year prior. 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.

Soumit Sarkar is a CFA® and holds a Series 66 license with 16 years of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at The Investment Center Inc and Center Street Securities. Outside of his advisory role, he owns and operates multiple businesses including a financial consulting and coaching firm, and he also acts as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and estates. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a variety of platform arrangements and both discretionary and non-discretionary investment strategies.