Matthew Saldutti is a financial advisor at Thrivent Investment Management with five years of industry experience. He holds the Series 66 designation and has been with Thrivent Financial since 2021. Outside of his advisory role, he serves as Vice President on the Board of the Matawan-Aberdeen Chamber of Commerce, where he is involved in supporting and expanding local businesses through various community activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based financial planning without discretionary trading authority. The firm’s approach integrates broad financial topics and offers clients the option to combine planning with managed-account services under a consolidated billing structure.

Olga Ivanova is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. She has worked at Merrill since 2007 and at Bank of America, N.A. since 2011. Outside of her advisory role, Ivanova is involved part-time with Golden Age Home Care Inc., providing personal care services to elderly clients. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program, delivering model-based and discretionary investment strategies for a range of individual and institutional clients.

Ethan Blatz is a financial advisor with Merrill and holds a Series 66 designation. He has two years of industry experience and has worked at Bank of America, Merrill, and Equitable Advisors. 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 institutions.

Zachary Fischer is a financial advisor at Merrill with seven years of industry experience. He holds Series 63 and Series 65 designations and has worked at Bankers Life Advisory Services, Bankers Life Securities, and Bankers Life and Casualty before joining Merrill and Bank of America N.A. in 2021. 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.

Benjamin Gallanter is a financial advisor with Merrill holding a Series 66 designation and beginning his industry career in 2024. Prior to joining Merrill, he worked at Griffin Alexander, P.C. and has experience in various roles including at Bernikow Jewish Community Center of Staten Island and Sunrise Day Camp. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Fama is a Senior Financial Advisor specializing in personalized wealth management strategies. He works with clients to develop flexible financial plans that align with their individual goals and adapt to changing market conditions. As part of Merrill Lynch Wealth Management, Michael provides access to investment insights from Merrill and banking and lending solutions through Bank of America. Michael holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rider University. He is committed to working closely with clients one-on-one to help them pursue their long-term financial objectives. In addition to his professional role, Michael participates in community volunteer activities, reflecting the Merrill tradition of engaging with the communities served.

Ralph Grill is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Bank of America and Merrill Lynch 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 strategies designed by internal and third-party managers, serving individual, high-net-worth, pension, corporate, and charitable clients.

Lauren Quatrocchi is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1991. Outside of her advisory role, she is employed at Bentley's Fine Jewelers and serves as an officer for the Bulldog Club of New Jersey, where she helps coordinate specialty shows and educational seminars. Merrill, together with its affiliate Managed Account Advisors LLC, provides 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.

Tyler Allen is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, he worked at Bank of America N.A. and operated Allen's Automotive for five years. He also spent six years at Rutgers University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers various model-based and discretionary investment strategies supported by internal CIO teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Isha Doshi is a Financial Advisor with Merrill Lynch Wealth Management and a member of Warringer DeGrazia Dudek & Associates, a Forbes Best-in-State Wealth Management Team recognized in 2025 and 2026. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Supported by senior advisors and Merrill's resources, Isha provides personalized financial guidance to individuals and families, helping them make informed decisions aligned with their goals and values. Isha's expertise encompasses areas such as divorce transition planning, education planning, employee benefits planning, family wealth management strategies, employee financial health, legacy planning, personal retirement planning, portfolio management services, women and wealth, and retirement income. She is committed to building long-term partnerships that empower clients to navigate financial decisions with clarity and confidence. She earned a Bachelor of Science in Business Administration from Drexel University. Fluent in English, Gujarati, and Hindi, Isha is also involved with the American Heart Association as part of her community engagement. Outside of work, she enjoys cooking, dancing, music, photography, reading, singing, spending time with family, swimming, traveling, and watching movies.

Cristian Landry is a Financial Advisor at Merrill Lynch Wealth Management. He applies the values of integrity, service, and excellence from his previous career as an Air Force veteran to support individuals and families in managing their financial decisions. Cristian assists clients in achieving their financial goals by providing thoughtful planning and personalized advice. He holds a Bachelor's Degree from Southern New Hampshire University and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Cristian's expertise encompasses retirement preparation, wealth building, and navigating various financial challenges. Outside of his professional role, Cristian is involved with community organizations such as Special Olympics Pennsylvania and the Women's Resource Center to End Domestic Violence. His personal interests include billiards, boating, camping, fishing, gardening, and hiking.

Justin Syers is Vice President, Wealth Planner at Fidelity Investments. In this role, he works closely with clients to develop comprehensive wealth strategies that align with their values, priorities, and long-term objectives. He partners with Fidelity to leverage the company's planning and investment capabilities and support clients through various stages of wealth management. Justin has held several positions in the financial industry, including Financial Consultant at Fidelity Investments from 2016 to 2024 and Investment Management Associate at BlackRock from 2011 to 2016. His professional experience encompasses wealth planning and investment management. Outside of his professional work, Justin has interests in family activities, fitness, food, music, pets, and traveling.

Kenneth Hager II is a financial advisor with Ameriprise Financial Services who holds Series 63 and Series 66 licenses and has 23 years of industry experience. His career includes positions at Merrill, TD Ameritrade, Harrisdirect, and Financial Engines prior to joining Ameriprise in 2018. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice. The firm’s approach integrates proprietary investment research and third-party data within a defined investment universe that includes affiliated product options.

Patricia Vance is a Series 66 credentialed financial advisor with Merrill, where she has worked since 1992, totaling 34 years at the firm and 28 years of industry experience overall. She 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal teams and third-party managers.

Thomas Seiler is a financial advisor with Raymond James & Associates in Newtown, PA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Raymond James & Associates since 2011. Outside of his advisory role, he is listed as the owner of an LLC established for the purchase of a trademark. 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, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

William Corcoran Jr. is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and possessing 19 years of industry experience. His career includes roles at H.D. VEST Securities and Capital Planning Associates of the Greater Del Val before joining Ameriprise Financial Advisors Inc. and subsequently Ameriprise. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Karlie Lorenz is a Wealth Management Advisor with Merrill Lynch Wealth Management. She holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Certified Plan Fiduciary Advisor® (CPFA) designations, as well as credentials as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). Karlie graduated from James Madison University and is a member of the professional organization Alpha Phi Omega. Her practice focuses on comprehensive wealth management strategies including retirement planning, tax minimization, wealth transfer, education funding, and socially responsible investing. Karlie emphasizes understanding her clients' goals and values to build trusted, long-term relationships and financial plans that provide clarity and confidence through life’s transitions and market cycles. She serves individuals and families, with particular attention to areas such as women and wealth, family wealth management, and LGBT wealth planning. Karlie is involved in community organizations including First Choice Home Health and Hospice, Make Your Mark on Madison, and UrbanPromise Trenton. She resides in Yardley, Pennsylvania, with her husband Clay and enjoys spending time with family on Long Beach Island, New Jersey.

Brady Stephens is a Series 66 licensed financial advisor at Merrill with one year of industry experience. His prior roles include positions at Barton Associates, Costco Wholesale, and the Arizona Cardinals, among others. 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.

Mark Oberlander is a financial advisor at Cambridge Investment Research Advisors with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked previously at Madison Avenue Securities, Mass Mutual Investors Services, and Metropolitan Life Insurance. Outside of his advisory role, he works as a bartender at Killamey’s Pub in Hamilton, NJ. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, trusts, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements.

Neal Oberto is a CFP®-certified financial advisor with 11 years of industry experience, currently with OSAIC since 2023. He previously worked at FSC Securities Corp for eight years. Outside of his advisory role, he is also licensed as a life insurance agent and assists with financial planning activities under James R. Potoka. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs a range of asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.