Michael Norris is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has been with UBS since 2011. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and capital markets services.

Thomas Agnew is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 33 years of industry experience. He worked at Pruco Securities, LLC for 31 years before joining LPL Enterprise in 2024. Agnew is also involved in non-variable insurance activities through a Prudential-sponsored agency. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach, offers financial planning and consulting, and facilitates access to third-party asset managers and insurance products through affiliated entities.

Benjamin Krculic is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their financial priorities and develop tailored strategies to pursue their short- to long-term goals. His role involves providing guidance on various financial matters including investing, retirement planning, and saving for unexpected events. Additionally, he facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Benjamin's expertise lies in helping clients manage multiple financial priorities, such as purchasing a home, saving for college, caring for elderly parents, and preparing for healthcare needs. He emphasizes one-on-one collaboration to define goals and select portfolio strategies designed to meet those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. He holds a Bachelor's Degree and a Master of Business Administration (MBA) from Seton Hall University. Benjamin also holds the Personal Investment Advisor (PIA) designation.

Soudeh Pazouki is a Financial Advisor with Merrill Lynch Wealth Management. In this role, she provides financial planning and wealth management services to clients. Specific areas of expertise or years of experience are not provided. Education background and additional credentials are not available. No information on personal interests or community involvement has been given.

Kathleen Miller is a financial advisor with Merrill in Wayne, NJ, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. Her prior roles include positions at PNC Wealth Management, UBS Financial Services, Morgan Stanley, and Citigroup Global Markets. She has been with Merrill since 2012. 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 and third-party managers.

Roy Nazaroff is a financial advisor with LPL Financial in Totowa, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at LPL Financial since 2008 and previously at Provident from 2006 to 2022. Nazaroff operates a DBA known as Financial Resources Group in Warwick, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a large network of advisors with various investment strategies and operational tools.

Adam Blackwood is a financial advisor with Wells Fargo Advisors in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes positions at Morgan Stanley & Co. LLC, Wachovia Bank, N.A., and Wells Fargo Clearing before joining Wells Fargo Advisors in 2026. He is also the owner of a separate business, 39HLEF, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, serving clients who meet a net-worth threshold.

John Marston is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. His prior work includes roles at USIS Inc and JCM Media Solutions. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lisa Sherman is a CFP® with 41 years of industry experience, currently affiliated with LPL Financial since 2021. Her prior roles include positions at Ameriprise Financial Services, National Asset Management, National Securities Corporation, and Gilman Ciocia, Inc. She is also involved with Riolo Financial Group, a business related to her LPL affiliation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advisor-facing technology and a broad spectrum of financial products.

Justin Sheridan is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. He has held various roles within Fidelity Investments since 2019, including Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Representative at Pruco Securities LLC from 2018 to 2019. In his professional capacity, Justin partners with clients to understand their unique situations and goals, focusing on building trusting relationships with them and their families. He collaborates with clients to develop financial plans aimed at achieving desired outcomes through both planned and unexpected life events. His approach involves defining actionable steps that help clients progress toward their financial dreams regardless of where they are in their financial journeys. Outside of his professional work, Justin has interests in concerts, family activities, fitness, running, snowboarding, and traveling.

Mark Sudol is a financial advisor at UBS Financial Services with 38 years of industry experience. He has held his position at UBS since 2007 and holds the Series 63 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

John Schumacher is a financial advisor with J.P. Morgan Securities in Orangeburg, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with JPMorgan Chase Bank, N.A. and related entities since 2004. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research supported by a centralized manager solutions team.

Adam Abida is a Financial Advisor at Merrill Lynch Wealth Management. He partners with clients to develop customized wealth strategies and to oversee investment portfolios that align with their individual objectives. His approach emphasizes building and preserving wealth with a focus on clients' long-term goals and priorities. Adam's expertise includes personal retirement planning, portfolio management services, socially responsible and values-based investing, and tax minimization. He serves as a trusted advisor, providing ongoing insight to help clients navigate life's financial milestones and maintain strategies that reflect their evolving circumstances. He holds a Bachelor's Degree from SUNY University at Albany and the Personal Investment Advisor (PIA) designation. Adam is a member of The National Society of Leadership and Success. Outside of his professional role, he enjoys chess, golfing, music, and reading.

John Cooney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies tailored to clients' individual financial goals and changing market conditions. His expertise encompasses family wealth management, legacy planning, institutional consulting, managing new wealth, portfolio management services, and retirement income planning. John leverages the investment insights of Merrill and the banking services of Bank of America to address various aspects of his clients' financial lives. John holds a Bachelor's Degree from Dominican College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of his professional activities, John enjoys baseball, golfing, and spending time with his family.

Michael Morales serves as the Resident Director and is a partner in the Ouriel Bordoley Morales Group at Merrill Lynch. He has over 15 years of experience in the investment industry, including a tenure at JP Morgan's Chase private client division where he assisted in managing assets for ultra-high net worth clients. Michael is focused on areas including education planning, investment consulting for defined contribution plans, liquidity management, managing new wealth, personal retirement planning, special needs planning strategies, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. Michael holds dual bachelor's degrees in business and psychology from the College of Mount Saint Vincent. He is currently enrolled in Fordham University's MBA program and maintains several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach emphasizes transparency, honesty, and trust to empower clients in making informed financial decisions. Outside of his professional responsibilities, Michael's personal interests include baseball, basketball, golfing, music, pickleball, running, swimming, and traveling.

Gil Marcovici is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2003, bringing extensive experience from his prior work at Smith Barney, where he served middle market institutional clients. Gil specializes in creating customized wealth management strategies that support clients through various financial phases, including retirement income planning, estate planning, portfolio management, and tax minimization. He holds the Personal Investment Advisor (PIA) designation as well as the CRPC credential. Gil earned his bachelor's degree from the University of Hartford. Fluent in English and Romanian, he focuses on understanding clients' life priorities to develop personalized financial plans tailored to their goals and aspirations. Outside of his professional role, Gil spends time biking, golfing, playing pickleball, skiing, and with his family. He also volunteers in the community, reflecting his commitment to service beyond advising.

Adam King is a Series 66-licensed advisor at J.P. Morgan Securities with one year of industry experience. Prior to joining J.P. Morgan, he worked in various roles including as a ski instructor at Campgaw Mountain Ski Area. 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 searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and includes capabilities in derivatives and commodities.

Kyle Swift is a financial advisor at Merrill with three years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments. His background also includes roles at Delbarton School and Virginia Tech. 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, and various organizational investors.

David Imrith is a financial advisor with Merrill in Montvale, NJ, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked at Bank of America and Merrill since 2019 and was previously with Fidelity Investments from 2016 to 2019. Outside of his advisory role, he works part-time as an Uber driver. 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 institutional accounts, incorporating both internal and third-party portfolio management.

Laurie Torres Tang is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has worked at Merrill since 2022 and has been with Bank of America 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 supported by internal and third-party managers for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.