Ethan Friedman is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their long-term goals, focusing on comprehensive wealth management. His approach integrates insights from Merrill and the banking and lending capabilities of Bank of America to adapt strategies to evolving market conditions. Ethan's expertise includes services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management, individual and corporate investment strategies, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Wisconsin Madison. In addition to his professional work, Ethan is committed to community involvement and spends time volunteering with local organizations. Outside of work, his personal interests include ice hockey, music, reading, running, traveling, and spending time with his family.

Bryan Loew is a CFP® and holds a Series 66 designation, currently serving as a financial advisor at J.P. Morgan Securities with 13 years of industry experience. His prior roles include positions at TD Bank, N.A. and TD Private Client Wealth LLC. He is employed by both J.P. Morgan Securities and JPMorgan Bank, allowing him to offer a range of banking products alongside investment services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating an ESG eligibility framework.

Jennifer Ritter is a financial advisor at Merrill with 22 years of industry experience. She has held her position at Merrill since 2013. Ritter holds the Series 63 and Series 66 designations. 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 serves individuals, high-net-worth clients, pensions, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Anand Desai is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in working with busy professionals, business owners, and families to create clear, actionable financial plans that align with their personal and long-term goals. Anand’s approach combines customized financial planning with disciplined, tax-aware investment management, equity compensation strategies, retirement income design, insurance and risk management, and estate and legacy planning. Anand’s expertise includes college education planning, divorce transition planning, legacy planning, managing new wealth, philanthropic planning, special needs planning strategies, tax minimization, and retirement income. He supports clients such as professionals and executives seeking coordinated, tax-aware strategies, business owners managing liquidity events, and families aiming for a repeatable process to save, invest, and protect their wealth. Anand holds a Bachelor’s degree from Wayne State University, has completed an accredited certificate program at Harvard Business School, and earned Merrill’s Personal Investment Advisor (PIA) designation. Away from his professional responsibilities, Anand participates in community volunteer work aligned with Merrill’s tradition of community engagement. His personal interests include basketball, music, reading, and tennis.

Joseph Troiano is a Series 66 licensed financial advisor with Merrill in Cranford, NJ, and has 14 years of industry experience. He has been with Bank of America and Merrill Lynch, Pierce, Fenner and Smith 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jonathan Ruth is a Series 66 licensed advisor at J.P. Morgan Securities with four years of industry experience. He has held positions at several firms, including Pacific Select Distributors, Manhattan West Asset Management, and Wells Fargo. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence and uses both quantitative and qualitative research to support investment recommendations.

John Reilly is a financial advisor with Cetera, holding a Series 63 designation and 30 years of industry experience. His prior work includes roles at Allied Wealth Partners and Securian Financial Services. He also maintains an agent/broker position focused on fixed insurance sales. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Elizabeth Rodesky is a financial advisor at Morgan Stanley in New York, NY, with 15 years of industry experience. She holds the Series 63 designation and has been with Morgan Stanley and its related entities since 2010. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Nicholas Schraft is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior roles include positions at Wealth Enhancement Group and MACRO Consulting Group. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Teri Ann Vallee is a Certified Financial Planner (CFP®) with one year of experience in the financial services industry. She is currently with UBS Financial Services, having previously worked at Clarfeld Citizens Private Wealth. Vallee's background includes roles outside finance, such as teaching positions at Stetson University and Winter Park High School. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, delivering advisory services through proprietary research and model-based asset allocations tailored to client goals and risk tolerances.

Jonathan Strelec is a CFA® charterholder with 15 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. His prior roles include positions at UBS Financial Services and Purshe Kaplan Sterling Investments. Outside of his financial career, he is involved with the Strelec Watch Company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process integrates both quantitative and qualitative research to offer written asset allocation advice, investment manager searches, and customized performance reporting, while clients retain final decision-making authority.

Michael Bialko is a Planning Consultant at Fidelity Investments, a position he has held since 2020. He has been affiliated with Fidelity Investments since 2014, previously serving as Relationship Manager from 2016 to 2020 and Investment Consultant from 2014 to 2016. Prior to joining Fidelity, he worked as a Senior Account Service Associate at NYLIFE Securities from 2010 to 2014. With nearly two decades of experience in financial services, Michael focuses on partnering with clients to develop comprehensive wealth plans tailored to their unique needs. He emphasizes understanding each client's individual situation to co-create a roadmap aimed at achieving financial peace of mind for them and their families. Outside of his professional responsibilities, Michael is interested in beach activities, spending time with family, fitness, football, golf, and volunteering.

Antonio Paturzo is a financial advisor at Merrill with 10 years of industry experience and holds the Series 66 designation. He has worked at Bank of America, N.A. and Merrill since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions (SPS) Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Perinelli is a financial advisor with Mass Mutual Investors Services in Staten Island, NY, holding a Series 63 designation and 15 years of industry experience. His career includes roles at MetLife Securities Inc. from 2011 to 2017 and at MassMutual life Insurance Company since 2016. Outside of advising, he serves as an arbitrator on FINRA arbitration panels and is a co-owner of Wealth Protection Strategies LLC, an entity established to act as a beneficiary for life insurance designations. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures planning engagements as annual, collaborative relationships using firm-approved tools to analyze client goals and offers additional services including wrap programs and educational seminars.

Matthew Mc Cormick is a financial advisor with Merrill in New York, NY, holding a Series 66 designation and bringing five years of industry experience. His work history includes roles at Merrill since 2019 and Bank of America, N.A. starting in 2026, as well as experience at the University of South Carolina from 2015 to 2019. 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 Ciccolini is a financial advisor at Charles Schwab & Co., Inc. with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at TD Ameritrade, Morgan Stanley, and The Vanguard Group. 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 advisory services and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Erin Buchanan is a financial advisor at Fidelity with nine years of industry experience and holds the Series 66 designation. Her prior roles include positions at CUSO Financial Services, Columbia Credit Union, and AXA Advisors. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios using a wide range of mutual funds, ETFs, and ETPs.

Eng Lian is a financial advisor at Edward Jones with 29 years of industry experience. He holds Series 66 and Series 63 designations. His prior roles include positions at Citizens Securities, HSBC Bank USA, CitiGroup, Firstrade Advisor, and TD Ameritrade. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a variety of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, all operating under a fiduciary standard.

Krista Dugan is a financial advisor with Cetera who holds the ChFC® designation and has 12 years of industry experience. She has worked at Cetera since 2025, with prior roles at Avantax Investment Services Inc. and Ironpath Financial, among others. Dugan also serves as a Client Services Specialist at Michael S. Licitra, CPA, PC, where she supports client relationships and account maintenance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and approximately 800,000 clients nationwide.

David De Cerbo is a Senior Resident Director and Wealth Management Advisor at Merrill, where he has been serving clients since 1998. In his role, he focuses on creating and managing wealth management strategies tailored to individual needs. He works with high-net-worth clients, closely held businesses, and leads efforts with foundations, endowments, and nonprofit organizations. His responsibilities include discretionary investment portfolio management, asset allocation, investment selection, and performance monitoring to help clients achieve their financial objectives. David holds a Bachelor’s degree from Rochester Institute of Technology and an MBA in Finance from Rutgers University. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor™ (CRPC™), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also a member of the Knights of Columbus. Residing in Metuchen, New Jersey, David is active in his community, serving on the board of the Metuchen Golf & Country Club and participating in the Knights of Columbus. In his personal time, he enjoys golfing and spending time with his family.