Andrew Jaworski is a Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2014. He began his advisory career in 2012, motivated by a desire to help others improve their financial well-being. Andrew focuses on understanding his clients' goals and providing solutions and advice that align with their best interests. His professional aim is to assist clients in balancing wealth-building with enjoying life. Andrew holds a Bachelor's Degree from the Pennsylvania State University System and has earned the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning Institutes Corp, as well as the Personal Investment Advisor (PIA) designation. His areas of expertise include education planning, family wealth management strategies, personal retirement planning, portfolio management, socially responsible investing, tax minimization, and retirement income strategies. Originally from New York, Andrew has lived in Florida and Pennsylvania before returning to his home state. He remains an active member of the Penn State University alumni association. Outside of work, he enjoys traveling, cooking, sailing, and attending local events.

Alexandra Ruszala is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Merrill since 2023. Prior to joining Merrill, she worked at UBS Financial Services from 2016 to 2023. She holds a Series 66 license and is based in East Brunswick, 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 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.

Yasmeen Kassim is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America N.A. throughout her career. Outside of her advisory role, she is a co-owner of a family rental property business. 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 and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Pinto is a financial advisor with Fidelity, holding Series 63 and Series 65 credentials and 14 years of industry experience. He previously worked at TIAA-CREF and joined Fidelity in 2021. Outside of his advisory role, he is the sole proprietor of Nations LLC, a sports cards and memorabilia business. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm supports various advisory structures and employs systematic methodologies to manage portfolios across mutual funds, ETFs, and ETPs.

Frederick Younger is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at several organizations, including Rutgers University Child Health Institute and Hackensack Meridian Health. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research, and incorporates ESG eligibility in its recommendations.

Lynn Bergman is a financial advisor at RBC Capital Markets with 23 years of industry experience. She holds Series 63 and Series 66 designations and has worked at RBC Capital Markets since 2016, following three years at Ameriprise. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services tailored to each client’s risk profile.

John Schade is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process incorporates quantitative and qualitative research with an ESG framework and includes broader derivatives and commodities capabilities.

Joseph Zerillo is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He is focused on connecting all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most to them. In his role, Joseph provides planning-based strategies that leverage the global resources of Merrill Lynch and the banking capabilities of Bank of America to meet the needs of high net worth clients. Joseph has experience in strategic and tactical asset allocation, discretionary and non-discretionary portfolio management, structured investments, concentrated stock strategies, life and long-term care insurance, trust and estate planning, and works closely with clients' advisors in developing estate plans. His approach involves delivering a customized, consistent experience designed to assist clients in wealth accumulation and preservation and in areas beyond investments, such as retirement income planning, concentrated stock positions, selling a business, liquidity solutions, and traditional investment strategies. He holds a Bachelor's degree from the University of Delaware and has earned the CERTIFIED FINANCIAL PLANNER® (CFP) certification and the Chartered Plan Fiduciary Advisor® (CPFA®) designation. Prior to joining Merrill Lynch in 2002, Joseph was a CPA and Senior Financial Auditor at Ernst & Young LLP and held an internal auditor position at Knight Trading Group. He resides in Rumson, NJ with his wife and three children and enjoys adventure sports, music, skiing, tennis, traveling, and spending time with his family.

Jeel Patel is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Bank of America, N.A., Newfield National Bank, and operated a family business, JilKrish LLC, where he is a partial owner. 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 investors, pension plans, corporations, and charitable organizations.

Laura Beninato is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 16 years of industry experience. Her prior roles include positions at Morgan Stanley, E*TRADE Securities, AXA Advisors, National Life Group, and Equity Services, Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap programs, and educational seminars, providing collaborative annual planning engagements supported by firm-approved analytical tools.

Nicholas Kayal is a financial advisor at Cetera with two years of industry experience. He holds the Series 66 designation and has previously worked at Provident Bank. He is also involved with Financial Focus Group, where he provides financial services. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing both affiliated and third-party model portfolios and managers.

Michelle Lindquist is a financial advisor at Merrill with 15 years at the firm and eight years of industry experience. She holds the Series 66 designation and is based in Iselin, 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and various types of organizations.

Mark Mazzei is a financial advisor with Ameriprise in Westfield, NJ, holding a Series 66 designation and 13 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of advising, he is involved in independent insurance brokering. Ameriprise offers a retirement-income planning service targeted at individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional firm.

Gloria Fox is a financial advisor at Fidelity with Series 63 and Series 65 licenses and 19 years of industry experience. Her prior roles include positions at Wells Fargo Clearing Services and Bankers Life before joining Fidelity. She works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios incorporating mutual funds, ETFs, and ETPs, and serves a variety of clients including registered investment companies and charitable funds.

Brian Lotito is a Senior Financial Advisor with Merrill Private Wealth Management. He leads the downstream efforts for Private Executive Services, coordinating between the corporate relationship management team and downstream partners both locally and nationally. In this role, Brian collaborates with Merrill Private Wealth Management and Merrill Lynch Wealth Management to delegate appropriate coverage for Plan Participants and provide education to key employees on integrating their benefit programs within their overall financial plans. Brian began his career at Merrill in 2003 and has held various positions including Client Associate, Financial Planner, and Financial Advisor, with a focus on Banking and Lending. He has also served as a Custom Credit Executive and contributed to the Cross-Organizational Client Coverage Group to enhance collaboration between Investment Banking and Wealth Management. Brian holds Series 7 and 66 FINRA registrations, as well as a New York State Insurance License, and has earned professional designations as an Equity Plan Consultant (EPC) and Personal Investment Advisor (PIA). Brian earned both his Bachelor's degree in Political Science and his Master’s degree in Professional Studies with an Advanced Graduate Certificate in Human Resource Management from Stony Brook University. Raised in Queens, New York, he currently lives in Upstate New York with his wife and two children. Outside of work, Brian enjoys coaching youth sports, spending time at the beach, and playing the guitar.

David Pillori is Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2012. He partners with individuals and families to educate them on investment opportunities and develop comprehensive financial plans aimed at helping clients pursue their financial goals. He utilizes the resources of Fidelity Investments to support his advisory work. With 39 years of industry experience, David has held leadership roles at several financial institutions, including Vice President positions at Merrill Lynch, Pershing, LLC, and ABN AMRO Inc. He also served as Associate Managing Director at Lebenthal & Co., LLC, and Assistant Vice President roles at Bankers Trust Co. and Societe Generale. His personal interests include family activities, golf, and softball.

Hans Stelzer is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he brings extensive experience in financial services. Since joining Merrill Lynch in 2011, Hans has worked closely with corporate executives, particularly on equity compensation and executive services. His expertise includes areas such as college education planning, employee benefits planning, liquidity management, personal retirement planning, and tax minimization. Hans graduated from Caldwell University in 2008 with a Bachelor of Science degree in Business Administration and a minor in Investment Management. He holds the Personal Investment Advisor (PIA) designation. Prior to his advisory role, Hans worked for three years on the Corporate Services trading desk, supporting executives from nearly 50 publicly traded companies. Outside of his professional work, Hans participates in sports leagues throughout New York City and resides in Jersey City, New Jersey. He is engaged in community service through his involvement with organizations such as the Bowery Mission NYC and Our Savior Lutheran Church and School.

Bianca Conway is a financial advisor at Morgan Stanley with a Series 66 designation and five years of industry experience. She worked at JP Morgan Chase for seven years before joining Morgan Stanley Smith Barney LLC, where she has been since 2017. Outside of her advisory role, she is involved with Attara Glen Farm LLC, a farming business. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Alyssa Capone is a financial advisor at Fidelity with four years of industry experience. She holds the Series 66 designation and has worked at Fidelity Investments since 2021. Prior to her current role, she has held positions in diverse fields including healthcare and education. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a range of portfolios, including model portfolios delivered to intermediary platforms.

Anthony Porchetta is a financial advisor at Mass Mutual Investors Services with Series 66 registration and experience beginning in 2024. Prior to joining the firm, he worked in the automotive industry and held a role at the University of Scranton. He is also engaged in insurance brokerage, focusing on individual life insurance and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing software tools to deliver written recommendations tailored to client goals.