Amy Baker is a CFP® with 25 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Erik Barlow is a financial advisor at Wells Fargo Clearing with five years of industry experience and a Series 66 designation. He previously worked at UBS Financial Services and Equitable Advisors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and a range of brokerage and advisory solutions. The firm manages approximately $671 billion in assets and utilizes research and analytics from Wells Fargo Investment Institute alongside diversification principles and modern portfolio theory.

Andrew Salmon Jr. is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His background includes roles in education at various institutions and employment at Pennington Quality Market. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Matthew Gonnella is a financial advisor with LPL Enterprise who holds a Series 66 designation and has one year of industry experience. Prior to joining LPL Enterprise, he worked in various roles including positions at US Mortgageline and Acorn Industrial Products. Outside of financial advising, he also works evenings as a server at Iron Hill Brewery. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, employer-sponsored retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated trust and insurance services.

Sean Mc Intyre is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked for T-Mobile from 2016 to 2024. 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.

Jill Borges is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. Prior to joining Merrill in 2020, she worked at BlackRock from 2015 to 2019. Outside of her advisory role, she owns Kings of Tailgating, LLC, a business focused on event setup. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Michael Sedam is a ChFC® credentialed financial advisor with 22 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors and is the owner and CEO of TEN22 Private Wealth, P.C., where he provides securities, financial planning, advisory, and insurance services. His prior experience includes roles at Commonwealth Financial Network and Northwestern Mutual Wealth Management Company. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides multiple portfolio management options that can be tailored to client objectives, including proprietary and third-party model strategies.

Patrick Caligiuri is a financial advisor with Mass Mutual Investors Services, where he has worked since 2017. He holds the Series 63 and Series 65 designations and has 39 years of industry experience. Prior to his current role, he spent 10 years with Metlife Securities, Inc. Outside of advisory work, he is an individual life insurance agent. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, structuring planning as annual collaborations using firm-approved analytical tools.

Timothy Drake is a financial advisor with Merrill holding a Series 66 designation. He has one year of industry experience and has worked in various roles including positions at United Energy Services, Somerset County, and the University of Delaware. 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.

Edward Fernberger Jr. is a financial advisor with Raymond James & Associates, holding 53 years of industry experience. He has been with Raymond James & Associates since 2016. He serves as an advisory board member for the Mount Sinai Cemetery Association. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting through various advisory programs and drawing on multiple portfolio management styles and affiliated research.

Craig Denham is a Senior Financial Advisor with The Martinides Group at Merrill Lynch Wealth Management. He brings 27 years of experience in wealth management, having worked with US Trust, Bank of America's Private Bank division, before joining Merrill in 2012. Craig's career has involved various roles focused on serving high-net-worth individuals and institutional clients. Craig grew up in Yorkshire, England, and moved to the United States in 1994 on a golf scholarship. He earned bachelor's degrees in Finance and Management from the University of Mobile, graduating magna cum laude. He holds the Personal Investment Advisor (PIA) designation. Currently residing in Pennington, New Jersey, Craig lives with his wife, Jill, their children Gwyneth, Felicity, and Tristan, and a variety of pets. Outside of work, he spends time with his family, enjoying activities such as cooking, going to the beach, and golfing.

Renee Donahue is a financial advisor with Merrill in Yardley, PA, holding a Series 66 designation and 22 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 1998. Outside of her advisory role, she is connected to a construction business started by her husband, although she does not have operational responsibilities. 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, and institutional accounts.

Eric Scriffiano is a financial advisor at Merrill with 15 years of industry experience and holds a Series 66 credential. He 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, retirement plans, corporations, and charitable organizations.

Ruhi Lulla is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. Prior to joining Merrill and Bank of America in 2022, Ruhi worked at Prudential Insurance Company of America and Pruco Securities, 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, pension plans, corporations, and charitable organizations.

Karen Schwartzman is a financial advisor at Merrill with 12 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at AUA Capital Management from 2015 to 2017. She has been with Merrill since 2017. 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.

Thomas Walters is a financial advisor with Merrill and holds a Series 66 designation. He has 23 years of industry experience and has worked at Merrill since 2007 and Bank of America, N.A. since 2009. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment approach includes multiple program strategies with varying levels of client or advisor discretion and emphasizes manager selection and tax-efficient implementation services.

Sarah Wagner Fiorelli is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and previously worked at Stifel Nicolaus & Co Inc from 2016 to 2020 before joining Morgan Stanley in 2020. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and model-based analyses as part of its financial planning process.

Christopher Jud is a financial advisor with Raymond James & Associates, holding Series 66 and Series 63 registrations and 8 years of industry experience. He has worked with various Raymond James entities, Marcum, and EisnerAmper Wealth Management throughout his career. Outside of advisory work, he owns and manages a residential rental property in Philadelphia. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and governmental entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Laura Watson is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill since 1996. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jonathan Kallen is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 2018. His prior experience includes roles at Coastal Equities, Inc. and Brick & Kyle Associates RIA. 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, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.