Arti Shah is a financial advisor with Osaic who holds Series 63 and Series 65 credentials and has 10 years of industry experience. Prior to joining Osaic, she worked at Royal Alliance Associates, Inc. and Sii. Outside of her advisory role, she consults on marketing for in vitro diagnostic products through D-TEK LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to manage portfolios across various asset classes.

Joseph Deery IV is a Series 66-registered financial advisor at Merrill with 13 years at the firm and 4 years of industry experience. He is based in Princeton, 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, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Wittmann is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab since 2022. Prior to his advisory career, he was involved with The Bayou: Southern Kitchen and worked at Cracker Barrel for ten years. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.

Christina Ciorciari is a financial advisor with Merrill in Yardley, PA, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. She has been with Merrill since 2014. 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 plans, corporations, and charitable organizations.

Jacqueline Caywood is a financial advisor at Stifel with 22 years of industry experience. She holds the Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2010. Stifel serves a broad client base, including individual, institutional, and municipal clients, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and financial planning.

Inderjeet Singh is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2008 and at Bank of America, N.A. since 2011. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jacob Reilly is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 11 years of industry experience. He has worked at 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 plans, corporations, and charitable organizations.

Chris Maniaci is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management in Princeton, NJ. He began his career at Merrill in 1989, initially working in Operations and eventually becoming an Operations Manager in several branch offices. His dedication to serving clients led him to transition to a role as a Financial Advisor, where he focuses on providing personalized wealth management strategies tailored to each client's goals. Chris adheres to Merrill's principle that the client's interests must come first and is committed to delivering a high level of service and attention to detail. Chris brings expertise in areas including college education planning, executive compensation, family wealth management strategies, portfolio management, and retirement income planning, among others. He holds a Bachelor of Science in Economics from the State University of New York at Cortland and has earned the Certified Investment Management Analyst® designation through the Investments & Wealth Institute®. Additionally, he holds the Personal Investment Advisor (PIA) designation. Beyond his professional work, Chris participates in community service and volunteers with organizations such as the Hemophilia Association of New Jersey. His personal interests include golfing, ice hockey, skiing, softball, and spending time with his family.

Deena Kobrin is a financial advisor at LPL Financial with 41 years of industry experience. She holds a Series 63 designation and has held positions at NEXT Financial Group, Citizens Securities, and Next Financial Group Inc. In addition to her advisory role, Kobrin is involved as a non-variable insurance agent and serves as a referral agent for mortgage and real estate services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of financial planning, advisory programs, and retirement consulting services.

Rahil Shah is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, Merrill, and prior experience in various industries including consulting and hospitality. 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.

Robert Ferroni is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill since 2007. 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 plans, corporations, and charitable organizations.

Domenick Acerra Jr. is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Hawk Capital and several educational institutions, as well as positions in the service industry. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bernard Hirsh is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial industry since 1981 and has served as a financial advisor since 2007. Prior to his current role, Bernard was an independent exchange member and an options floor trader at the Philadelphia Stock Exchange and the American Stock Exchange from 1981 to 2005. He also worked as a wealth advisor at UBS Financial Services from 2007 to 2010. Bernard's expertise involves helping families and businesses manage their financial affairs by understanding their full financial picture and clarifying their vision for the future. His approach includes creating personalized wealth management strategies tailored to clients' goals. He holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a bachelor's degree from Colby College and completed his high school education at George School. Bernard participates in community volunteering as part of the Merrill tradition of serving the communities where they operate.

David De Dufour is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Stifel Nicolaus & Co., Inc. since 2009. Outside of his advisory role, he serves on the Investment Policy Committee for the Lutheran Church Missouri Synod's New Jersey District and engages in the purchase and sale of antiques. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Elizabeth Garry is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has worked at Morgan Stanley since 2014 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and scenario modeling.

Angela Sprenkle is a financial advisor with Morgan Stanley in Yardley, PA, holding a Series 66 designation and 19 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Mark Minnium is a financial advisor at Merrill with 35 years of industry experience and holds Series 63 and Series 66 designations. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2018 and previously spent time at Ross Printing and Promotion and Sorrento Pacific Financial, 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, retirement plans, corporations, and charitable organizations.

Iva Mcgowan is a financial advisor with Merrill in Pennington, NJ, holding Series 65 and Series 63 credentials and having 27 years of industry experience. She has been with Merrill 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kaitlin Horan is a financial advisor at Fidelity with nine years of industry experience and holds a Series 66 designation. Her career includes positions at Merrill Lynch, Pierce, Fenner & Smith Incorporated, and Fidelity Brokerage Services LLC. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage model portfolios across a broad investable universe.

Anuj Sheth is a financial advisor at Merrill with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Bank of America and Merrill Lynch 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. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutions.