Michael Valentino is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America, N.A. and Merrill since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for individual, high-net-worth, pension, corporate, and charitable clients. The firm offers model-based and discretionary investment strategies managed by internal teams and third-party managers, with features including tax-aware options and multiple trading and custody support services.

Dawn Capozzi is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has been with Merrill since 2002. Outside of her advisory role, she has provided consulting delivery services for DoorDash and is involved in a family investment LLC. Additionally, she participates as a parent volunteer in a minor league baseball team’s food service operations, which includes training related to alcohol service. Merrill, along 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 model-based and discretionary investment strategies.

Magnus Olsson is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999. 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.

Mohamad Halabi is a Wealth Management Advisor with Merrill Lynch Wealth Management, a position he has held since 2007. He specializes in creating customized financial strategies tailored to individuals, families, and businesses, focusing on portfolio analysis, investment management, corporate retirement plans, and retirement planning utilizing various account types such as 401(k)s, IRAs, Roth IRAs, and others. His practice also addresses small business needs, estate planning, life insurance, liability management, real estate financing through Bank of America, and college planning strategies including ESAs and 529 plans. Mohamad partners with industry professionals to ensure precise and effective financial solutions for his clients. Mohamad holds a Bachelor's Degree from Rutgers University and is a CERTIFIED FINANCIAL PLANNER™ professional, certified by the Certified Financial Planner Board of Standards Inc. He also holds the Personal Investment Advisor (PIA) designation and maintains his NMLS license (#781031). Fluent in English and Arabic, Mohamad's client focus includes investment consulting for defined contribution and defined benefit plans, legacy planning, liquidity management, managing new wealth, and retirement income strategies. Residing in Somerset County, New Jersey, Mohamad is the brother of four sisters and married in 2020. He dedicates time to community involvement through volunteer work and balances his professional life with personal interests such as biking, bowling, chess, hiking, photography, running, traveling, watching movies, and spending time with family.

Nicholas Chambers is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at The College of New Jersey and DoorDash. 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 individuals, institutions, and charitable organizations.

Sergio Iacovitti is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and 25 years of industry experience. His prior work includes multiple tenures at Wells Fargo Clearing and roles at TD Bank N.A. and TD Private Client Wealth LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets and employing over 14,000 financial advisors.

Jeffrey Hornberger is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill in 2021, he held various roles including positions at Heroic Public Speaking and Popcorn Packers Inc. Outside of his advisory work, he assists with business management and decision-making for a therapy services company founded by his fiancé. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Bryan Milburn is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2019. Prior to his financial services career, he spent five years at Liberty Coca-Cola. 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.

Joseph Grosso is a financial advisor with Merrill, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Merrill, he gained experience in marketing at Shoreline Media Marketing and held roles in academia at J.F. Oberlin University and Stevens Institute of Technology. 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 both model-based and discretionary strategies for a diverse clientele including individuals, high-net-worth clients, and charitable organizations.

Timothy McGowan is a Financial Advisor at Merrill Lynch Wealth Management and a registered Financial Advisor dedicated to helping clients navigate today's financial landscape. He specializes in education planning, legacy planning, managing new wealth, and retirement income. Timothy provides personalized advice, investment guidance, and financial planning to assist individuals and families in working toward their short- and long-term financial goals. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), and earned a Bachelor's Degree from James Madison University. Timothy values building lasting relationships and takes the time to understand each client's unique situation, providing ongoing collaboration and disciplined planning to help clients make informed financial decisions. Outside of his professional work, Timothy participates in community efforts such as America's Grow-A-Row to help feed the hungry. His personal interests include baseball, basketball, cooking, football, golfing, ice hockey, photography, traveling, volleyball, and watching movies.

Keith Garrison is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Bank of America and 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.

Nadia Khan is a financial advisor with Merrill, holding a Series 66 credential and 12 years of industry experience. She has been with Merrill Lynch Pierce Fenner and Smith since 2011. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering various managed account programs, third-party manager selection, discretionary portfolio management, and brokerage services. The firm emphasizes tax-focused investment strategies and leverages its integration with Bank of America affiliates to support trading, lending, and capital-markets activities.

Lauren Desmond is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2017, with prior experience at Bank of America and Northwestern Mutual. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Andrew Chismar is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and bringing 10 years of industry experience. He 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.

Eric Hlava is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 36 years of industry experience. He has been with Merrill since 2009. Merrill, along 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 with model-based and discretionary investment strategies.

Hasnain Mir is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of The Mir Group. Since launching his Merrill career in 2005, Hasnain has developed integrated financial strategies and portfolios primarily for business owners, focusing on defined benefit and defined contribution plans. He works closely with plan sponsors, their families, and employees to provide education on plan specifics and investment choices. Hasnain also facilitates clients’ access to banking services including cash management, debt consolidation, and lending solutions through Bank of America, N.A. Hasnain’s client base includes self-made entrepreneurs, medical and legal professionals, corporate executives, and multi-generational families across New Jersey and 15 additional states. His expertise covers a range of financial planning areas such as college education planning, divorce transition planning, liquidity management, retirement income, and small business strategies. He holds a Personal Investment Advisor (PIA) designation and completed an Accredited Certificate Program at Middlesex County. Outside of his professional role, Hasnain is an avid golfer, cyclist, and fitness enthusiast residing in Somerset, New Jersey with his wife. He and The Mir Group engage in pro bono work and support various charitable organizations as part of their commitment to giving back to the community.

Debra Shipps is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 registrations and has been with Merrill since 2012. Outside of her advisory role, she serves as the Fundraising Chair for Boy Scouts Pack 140 and is the Mayor of Knowlton Township, 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Sarah Rhoades is a financial advisor at Merrill with 13 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2010. Outside of her advisory role, she works as a freelance background actor for television shows and movies and co-manages a food blog focused on photography and social media content with her spouse. 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.

Ronald Kovac is a CFP® and ChFC® credentialed financial advisor with 39 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning without discretionary trading authority and integrating planning with managed-account programs under a consolidated billing option.

Maureen Mc Devitt is a financial advisor at Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 66 designations with 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2017 and previously worked at Alessa Restaurant from 2016 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced modeling tools.