Matthew Ramirez is a financial advisor with Merrill, holding a Series 66 designation and beginning his career in 2026. Prior to joining Merrill and Bank of America, he has experience working in various roles outside of finance, including positions at OMD USA, Hearts & Science, and Sunoco. 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, and other organizations.

Sam Abell is a financial advisor at Fidelity with five years of industry experience. He previously worked at Merrill for two years and FedEx for three years. Abell holds a Series 66 designation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios composed of mutual funds, ETFs, and ETPs.

Richard Boyle is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America and New York Life. He has also worked in education at Rowan University and Penn State University. 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.

Fred Jaramillo is a CFP® professional with 23 years of experience in financial advising. He has worked at Wells Fargo Advisors since 2019 and previously spent three years at Morgan Stanley. Jaramillo is a 50% owner of MRFJ Capital Corp and serves as a trustee for the company’s related 401(k) plans. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with flexible implementation options through brokerage or advisory programs.

Griffin Kick is a financial advisor with Equitable Advisors holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes roles at New York Life Insurance Company, Legend Biotech, and the University of Delaware. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm offers both proprietary and third-party solutions and focuses on matching clients with appropriate investment models or discretionary managers.

Yuriy Zabihaylo is a Series 66-licensed advisor at LPL Enterprise with three years of industry experience. He previously worked at Pruco Securities LLC and spent 15 years with ALC "Vesna-Zakhid." His outside activities include involvement in a non-variable insurance agency affiliated with Prudential. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, offering financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Pietro Ruggeri is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. He has worked at Mass Mutual Investors Services and MassMutual Life Insurance since 2019, and previously held roles at Allied Wealth Partners, Securian Financial Services, and Minnesota Life Insurance Company. Outside of his advisory work, Ruggeri is involved in insurance through Gryphon Assurance and manages Ruggeri Financial Group LLC. MassMutual 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, and educational seminars with a structured approach that includes collaborative planning and use of firm-approved analytical tools.

Daniel Williams is a financial advisor at Equitable Advisors with nine years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 66 licenses. His prior experience includes roles at JPMorgan Chase Bank, Santander Bank, and Uber. Outside of finance, he is a member of Pup on the Run LLC, where he is responsible for building and managing the company website on a volunteer basis. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs, including firm-sponsored and third-party models, and offers ERISA fiduciary services through credentialed representatives.

Meghna Shah is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America, N.A. since 2016. She is a co-owner of an outside family investment business in New Jersey. 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 and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Daniel Santos is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 designations and 12 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank, as well as Prudential-affiliated firms. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal research and third-party strategists, and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Felix Menezes is a financial advisor at Equitable Advisors with 32 years of industry experience. He has held his current position since 1999 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he is also involved in property management as the owner of a rental condominium. Equitable Advisors serves individuals, institutional clients, and retirement plans by providing financial planning and asset management services. The firm utilizes a variety of advisory models, including third-party managed programs, and offers a range of investment options while providing ERISA fiduciary services for qualified plans.

Kyle Tierney is a financial advisor at UBS Financial Services with the Series 66 designation and one year of industry experience. Prior to joining UBS, he worked at Creative Financial Group and Equitable Advisors and held positions in education at The College of New Jersey, John P. Stevens High School, and Woodrow Wilson Middle School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by research from its Chief Investment Office and UBS Global Research.

Nicholas Gentile is a CFP® with nine years of industry experience, currently serving as a financial advisor at Mass Mutual Investors Services since 2019. His prior roles include positions at Minnesota Life Insurance Co., Allied Wealth Partners, and Securian Financial Services Inc. He also works as an insurance agent specializing in group health and property/casualty insurance. Mass Mutual Investors Services, a subsidiary of MassMutual, offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual collaborative planning relationships using approved analytical tools and provides specialized services such as divorce planning and estate-settlement programs.

Andrew Crozier is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. His prior work includes positions at LPL Enterprise, The Prudential Insurance Company of America, and various educational institutions. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations tailored to client goals.

Irving Estevez is a Series 66-licensed financial advisor with Merrill, bringing one year of industry experience. His work history includes positions at Bank of America, N.A. and Walgreens. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Danielle Escobar is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has over eight years of experience in the financial services industry, focusing on wealth management, investment analysis, and portfolio design. Danielle works closely with clients to understand their financial goals and priorities, developing clear strategies to help them achieve those aims. She emphasizes a thorough understanding of each client's financial situation as well as their long-term vision. Before joining Merrill in 2021, Danielle spent more than two and a half years as an Investment Analyst with Wells Fargo Advisors and served as a Valuation Analyst and Advisory Support Consultant with Hartford Funds from 2016 to 2019. Her areas of focus include college education planning, executive compensation, family wealth management strategies, LGBT wealth planning, personal retirement planning, philanthropic planning, special needs planning strategies, women and wealth, sports and entertainment, and retirement income. Danielle earned a Bachelor of Science in Finance and International Business from Cabrini University, where she graduated Magna Cum Laude and participated in the Honors Program and Semester at Sea. She completed her MBA with a concentration in Finance and Strategic Management from Villanova University. She is a Personal Investment Advisor (PIA) and a member of the Semester at Sea Alumni. Danielle resides in Philadelphia and enjoys playing soccer, traveling, and following professional sports teams.

Kevin Amerio is a Certified Financial Planner (CFP®) with 19 years of experience in the financial services industry. He has been with UBS Financial Services Inc. since 2006. Outside of his advisory role, he maintains a LinkedIn profile and dedicates limited non-trading time there. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor solutions for clients.

Rohit Mehrotra is a financial advisor at Edelman Financial Engines with 20 years of industry experience and holds a Series 66 designation. He has worked at several firms including JPMorgan Securities LLC, Silicon Valley Bank, and First Citizens Investor Services. Outside of his advisory role, Mehrotra serves on the boards of the McCarter Theatre and Big Brothers Big Sisters Independence Region, as well as advisory councils for Rutgers Health Leadership and the Tuck School of Business. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering both discretionary and non-discretionary investment options with a focus on diversified model portfolios and long-term strategies.

Francesco Mollo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been part of the financial services industry since 2006 and joined Merrill Lynch in 2010, bringing years of independent financial advising and investment experience. Francesco primarily works with real estate investors and business owners to develop long-term wealth management strategies. He specializes in services for defined benefit and defined contribution plans, employee financial health, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Francesco collaborates closely with clients' attorneys and accountants to address financial, retirement, education, tax, trust, and estate matters, including wealth transfer and business succession strategies. His team also focuses on tax deferral strategies for business and property owners seeking to liquidate real estate holdings or business interests. Francesco earned a bachelor's degree in economics from Rowan University. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is an active member of his community and the Sons of Italy in the Cherry Hill, New Jersey area. Francesco enjoys golfing, ice hockey, skiing, soccer, spending time with his family, and traveling.

Thomas Honan is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has worked with firms including Allied Wealth Partners and Minnesota Life Insurance Co. Outside of finance, he has been involved in a catering business making and serving pizza. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across a broad investable universe.