Matthew Livingston is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2002. Outside of his advisory role, he serves as treasurer for the Lumberton Boy Scout Troop #2022, managing the troop’s checking account and disbursements. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Angel Ayala is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 17 years of industry experience. He previously worked at J.P. Morgan Securities for 13 years and has business experience in the hospitality sector with Gretalia Hospitality and Osteria Procaccini. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions with an emphasis on research-driven portfolio management and a range of financial products distributed through bank and insurance affiliates.

Lawrence Farrell is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. He has been with Merrill since 2009. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Mark Walters is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Raymond James Financial Services from 2014 to 2020 and has been associated with Sweatt & Walters Associates LLC since 1985. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning services, and retirement consulting, utilizing model portfolios and research from multiple sources.

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.

Hedy Zahran is a Financial Consultant at Fidelity Investments, a position she has held since 2019. In this role, she focuses on understanding clients' goals and helping them navigate options to work towards achieving those objectives. She collaborates with clients to examine their financial plans, define their destinations, and identify appropriate paths, utilizing Fidelity's range of offerings to support meaningful progress. Prior to joining Fidelity, Hedy accumulated extensive experience in the financial sector, including roles such as Vice President at MSCI from 2011 to 2016 and at Pershing from 2008 to 2009. Earlier in her career, she held positions at Goldman Sachs, Credit Suisse, Scudder Kemper Investments, and BEA Associates, gaining a broad foundation in financial services. Hedy holds a California Insurance License, which complements her expertise in financial consulting.

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.

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.

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.

Colin Sullivan is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2013, including tenure at Bank of America, N.A. since 2022. Merrill, along 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. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, with various features including strategic asset allocation and tax-aware options.

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.

James Leuenberger is a financial advisor with LPL Enterprise who holds the Series 63 and Series 65 licenses and has 13 years of industry experience. He has worked at Prudential Insurance Company of America since 2012 and joined LPL Enterprise in 2024. He is also involved in the sale and service of Prudential-sponsored property and casualty insurance. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, and institutional clients, providing financial planning, advisory services, and brokerage products through an integrated platform that combines adviser programs with insurance and lending services.

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.

N Sean Longo is a Senior Financial Advisor at Merrill Lynch Wealth Management and a partner of The Morrison, Longo & De Stefano Group. Since beginning his career at Merrill in 2005, he has focused on helping clients develop personalized wealth management strategies that address their unique financial objectives and concerns. Sean leads the group's investment committee, collaborating with colleagues and clients to implement customized investment plans that consider risk tolerance, investment timeline, liquidity needs, and both short- and long-term goals. His expertise includes executive compensation, family wealth management strategies, liquidity management, philanthropic planning, portfolio management, socially responsible and ESG investing, individual and corporate investment strategy, and tax minimization. Sean holds a Bachelor of Science degree from Montclair State University and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA™), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has also been recognized on Forbes' "Best-in-State Next Gen Advisors" list in 2019. Sean resides in Scotch Plains, New Jersey, with his wife Alicia and their three children. Outside of work, he enjoys mountain biking, cooking, playing the guitar, and running.