Domenick Acerra Jr. is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Hawk Capital and several educational institutions, as well as positions in the service industry. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bernard Hirsh is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial industry since 1981 and has served as a financial advisor since 2007. Prior to his current role, Bernard was an independent exchange member and an options floor trader at the Philadelphia Stock Exchange and the American Stock Exchange from 1981 to 2005. He also worked as a wealth advisor at UBS Financial Services from 2007 to 2010. Bernard's expertise involves helping families and businesses manage their financial affairs by understanding their full financial picture and clarifying their vision for the future. His approach includes creating personalized wealth management strategies tailored to clients' goals. He holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a bachelor's degree from Colby College and completed his high school education at George School. Bernard participates in community volunteering as part of the Merrill tradition of serving the communities where they operate.

David De Dufour is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Stifel Nicolaus & Co., Inc. since 2009. Outside of his advisory role, he serves on the Investment Policy Committee for the Lutheran Church Missouri Synod's New Jersey District and engages in the purchase and sale of antiques. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Elizabeth Garry is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has worked at Morgan Stanley since 2014 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and scenario modeling.

Angela Sprenkle is a financial advisor with Morgan Stanley in Yardley, PA, holding a Series 66 designation and 19 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Mark Minnium is a financial advisor at Merrill with 35 years of industry experience and holds Series 63 and Series 66 designations. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2018 and previously spent time at Ross Printing and Promotion and Sorrento Pacific Financial, LLC. 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, retirement plans, corporations, and charitable organizations.

Iva Mcgowan is a financial advisor with Merrill in Pennington, NJ, holding Series 65 and Series 63 credentials and having 27 years of industry experience. She has been with Merrill since 2011. 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.

Anuj Sheth is a financial advisor at Merrill with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Bank of America and Merrill Lynch 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 a range of clients, including individuals, high-net-worth clients, and institutions.

Michael Cirillo is a financial advisor at LPL Financial with 19 years of industry experience. He holds the Series 66 designation and previously worked at Bank of America and Merrill Lynch. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement consulting with both discretionary and non-discretionary management supported by research and model portfolios.

James Stapleton is a financial advisor with Merrill and holds a Series 66 designation. He has 17 years of industry experience, including 15 years at Bank of America, N.A. and Merrill. 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 and third-party managers and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sivakumar Veerapandy is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill for a decade. Outside of his advisory role, he is an owner of several self-managed rental properties. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Fred Sciascia is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since beginning his career at Merrill in 1998, he has worked with a dedicated and growing group of client families, assisting many in achieving their retirement goals. Fred has also developed retirement plans for corporations and small businesses and is a founding member of Saurman Sciascia Maher & Associates, where he collaborates with a team of experienced advisors to deliver comprehensive client care. Fred holds the Chartered Retirement Planning Counselor™ (CRPC™) designation from the College for Financial Planning Institutes Corp. and additional professional credentials including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Villanova University School of Business. Fred’s areas of expertise include college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, personal retirement planning, special needs planning strategies, and retirement income. In addition to his professional responsibilities, Fred is a board member of the Autism Cares Foundation, where he focuses on creating intergenerational financial strategies for special needs families. He resides in Newtown with his wife, Amber, and their two sons. Outside of work, Fred enjoys biking, football, ice hockey, running, skiing, spending time with family, and watching movies.

Kathryn Carlson is a Series 66-registered financial advisor with Merrill, based in Pennington, NJ, and has 22 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.

Robert Conrad is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 21 years of industry experience. He has been with Merrill since 2001. 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.

Filipinas Enriquez Van Duzer is a Series 66-licensed financial advisor with Merrill, based in Pennington, NJ. She has six years of industry experience, including roles at Bank of America and First Flight Federal Credit Union. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Noah Hochrun is a financial advisor at Merrill with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Merrill and Bank of America, N.A., he worked at The Vanguard Group, Inc. and has held various roles outside finance, including positions in the food service industry and publishing. 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 and profit-sharing plans, corporations, and charitable organizations.

Jacob Lukis is a financial advisor with Merrill in Pennington, NJ, holding Series 66 and Series 63 licenses and four years of industry experience. His prior work includes roles at Malcon and Sons, Malcon Contractors, and Wawa, Inc. Outside of his advisory work, he serves as a referee for USA Hockey sanctioned games in the Princeton area. 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 to individuals, high-net-worth clients, and institutional investors.

Nicholas Fitzgerald is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab, he has worked at Charles Schwab Bank, The Office Restaurant and Lounge, and Vintony Mechanical. Outside of finance, he is involved in managing The Office Restaurant and Lounge. 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 and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Randy Cai is a financial advisor at Merrill with two years of industry experience. He holds the Series 66 designation and previously worked at Quartile and Wawa. He also spent five years at Temple University. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Gary Stocker is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63 and Series 66 securities licenses and has been with Merrill and its affiliated entities since 1996, including 15 years at Bank of America/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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.