Ryan Heese is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2023. His prior experience includes roles at the College of Charleston and Council Rock High School North. 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.

Brendan Biruk is a CFP® with 27 years of experience in the financial industry. He currently serves as a financial advisor at LPL Financial, where he has worked since 2021. Prior to that, he spent 12 years at UBS Financial Services Inc. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management, supported by research and technology-driven investment strategies.

Morgan Hayes is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Morgan helps individuals and families make confident financial decisions by creating personalized financial strategies tailored to their unique goals and circumstances. Morgan's approach is designed to alleviate the stress often associated with financial planning, offering guidance in areas such as retirement planning, college education funding, and portfolio management. Morgan's expertise spans college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Morgan is supported by over 30 years of combined wealth management experience from The Barnish Michaels Hayes Group and has access to the resources of Merrill and Bank of America, enabling clients to navigate financial opportunities and challenges. Morgan holds a Bachelor's Degree from the Pennsylvania State University System and holds the Professional Investment Advisor (PIA) designation. Outside of work, Morgan enjoys baseball, basketball, football, golfing, swimming, traveling, watching movies, and spending time with family. Morgan also values community involvement and participates in volunteering with local organizations.

Thomas Simcik is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. Prior to joining Raymond James in 2026, he worked for Janney Montgomery Scott in various capacities from 2008 to 2026. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Robert Morse is a financial advisor at Thrivent Investment Management with 32 years of industry experience. He has been with Thrivent since 2002. Outside of his advisory work, he serves as treasurer for the Hit or Miss Hunting Club, managing dues, expenses, and investment of the club’s cash reserves. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based planning across various topics, combined with managed-account options under a consolidated billing approach, while maintaining separation between planning and portfolio management.

May Lai is a financial advisor with Ameriprise in Bala Cynwyd, PA, holding a Series 66 designation and 19 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement who meet certain asset thresholds, delivering written recommendations that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Fernando Romero is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to Merrill, he worked at Bank of America, N.A. and has a background that includes roles at Drive Social Media and Veryable. 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.

Kevin Crosby is a Wealth Management Advisor and a managing partner of DeNucci & Associates. He began his career with Merrill Lynch Wealth Management in 2018, joining the firm to continue a three-generation family legacy. Kevin focuses on providing a comprehensive wealth management approach that starts with understanding each client's goals and needs. He offers tailored investment advice supported by the resources of Merrill Lynch Wealth Management and the banking services of Bank of America to address various aspects of clients' financial situations. Prior to joining Merrill Lynch, Kevin worked at Paradigm Talent Agency in New York City and Los Angeles, where he developed expertise in relationship management and client service. He holds the CERTIFIED FINANCIAL PLANNER4 certification and the Personal Investment Advisor (PIA) designation. Kevin is a graduate of Rollins College and has been recognized on the Forbes | SHOOK4 "Best-in-State Next-Gen Wealth Advisors" list in 2025 and 2026. Additionally, he served as an advisory board member for #HALFTHESTORY from 2019 to 2021. Kevin resides in Avon, Connecticut, with his wife, Amanda, and their sons, Michael and Lucas. Outside of his professional work, he enjoys spending time with his family, watching the Kansas City Chiefs, and engaging in activities like adventure sports, golfing, running, and completing marathons.

Michael Diekmann is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 credential and has worked at several firms including Fidelity Investments and ACA Foreside. Outside of finance, he has been involved with Matunuck Oyster Bar and Matunuck Oyster Farm. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse investment management options through a multi-manager platform, combining affiliated and third-party strategies across various program structures and custodial relationships.

John Niemeyer is affiliated with LPL Enterprise and holds a Series 66 designation. He has recently begun his career in financial advising, having joined LPL Enterprise in 2026. Outside of finance, he has been involved with Mishock Physical Therapy since 2014. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, model wealth portfolios, third‑party asset management, and a range of brokerage and insurance products on an integrated platform.

Aaron Landis is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 32 years of industry experience. His prior experience includes roles at Nationwide Securities LLC and Nationwide Insurance Company. He is also involved in an insurance agency, Landis Agencies, which he has co-owned since 1996. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, research, and technology-driven strategies.

Andrea Leahy is a financial advisor at Merrill with 17 years of industry experience. She has held roles at Merrill since 2017 and previously worked at Maximum Asset Strategies. She holds Series 63 and Series 66 licenses. 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 management teams and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Glenn Mellin is a financial advisor with OSAIC who holds the ChFC® designation and has 34 years of industry experience. He previously worked at Signator Investment Inc. from 2016 to 2018. Outside of his advisory role, Mellin is involved in fixed insurance solutions and employee benefits through a partnership with Edelman Insurance Management Group. OSAIC serves a broad mix of retail and institutional clients, providing integrated brokerage and investment advisory services through a large network of affiliated advisors and multiple platforms. The firm employs asset-allocation tools, risk-tolerance analysis, and automated rebalancing to construct diversified portfolios across various asset classes.

Brandon Razler is a financial advisor with Mass Mutual Investors Services, holding a Series 66 credential and six years of industry experience. He has worked with MassMutual Life Insurance and Mass Mutual Investors Services since 2018. Razler has also been involved in academic support roles at Georgian Court University and held a position at the YMCA. Outside of his advisory work, he is licensed as an insurance agent specializing in life, disability, long-term care, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing collaborative, annual planning relationships with tools such as Monte Carlo simulations and automated asset-allocation analysis.

Fred Kurtz is a financial advisor at Edward Jones in Newtown, PA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He has been with Edward Jones since 2004. Outside of his advisory role, he is involved with Rittenhouse Ventures III, an early-stage venture capital fund based in Philadelphia. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Nathan Jeanes is a financial advisor with Merrill, holding a Series 66 designation and 16 years of industry experience. He has been with Merrill since 2009. 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 plans, corporations, and charitable organizations.

Sneha Salgam is a Series 66-credentialed financial advisor with Edward Jones in Pennington, NJ, and has seven years of industry experience. She has been with Edward Jones since 2016, with multiple roles at the firm and prior experience at the University of Richmond. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management, supported by a nationwide network of more than 23,700 financial advisors.

William Norberg is a financial advisor at OSAIC with 19 years of industry experience. He holds a Series 66 designation and has worked previously at Lincoln Financial Advisors, Wells Fargo Clearing, Wachovia Bank, N.A., and Wells Fargo Advisors LLC. Outside of his advisory role, he manages BBCN, LLC, an entity used for business expense and payroll tax planning. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services utilizing asset-allocation tools, risk-tolerance assessments, and third-party money managers to construct and manage portfolios across a wide range of investment types.

Kaylani Santiago is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. She has held roles at Bank of America, N.A., Merrill, and several other organizations including Amazon.com Inc. and B-MS Federal Credit Union. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Andrea Nucero is a financial advisor at UBS Financial Services with 26 years of industry experience. He has been with UBS since 1999 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor investment strategies to client goals and risk tolerances.