Nathan Jones is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, N.A. and 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 designed for a range of clients including individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Jason Hine is a financial advisor with LPL Enterprise LLC, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His career includes prior roles at Foresters Financial Services, Inc., Transamerica Financial Advisors, MassMutual Financial Group, and MML Investor Services. He is also the owner of a separate business entity, J and J Hine LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily uses model-driven investment strategies and offers access to third-party asset managers, financial planning, and various affiliated non-securities services.

Damon Derstine is a financial advisor at Wells Fargo Advisors with 24 years of industry experience. He has previously worked at Wells Fargo Clearing Services LLC and held roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory work, he is involved in managing farm property and agricultural activities through a family-owned entity. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services. The firm’s approach includes tailored recommendations supported by Wells Fargo research and planning tools, provided through both brokerage and advisory programs.

Kelly Binkowski is a financial advisor at Cambridge Investment Research Advisors with 10 years of industry experience. She holds the Series 66 designation and has previously worked at Leonard Brodsky and Associates, Commonwealth Financial Network, Bank of America, and Merrill. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing both proprietary and third-party model strategies tailored to client objectives.

Catherine Seklecki is a financial advisor at Fidelity with 38 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Fidelity Investments since 2022, following prior experience at UBS Financial Services and Delaware Distributors, L.P. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction. The firm employs a blend of proprietary fundamental research and quantitative analysis supported by algorithmic methodologies and maintains oversight of affiliated and unaffiliated sub-advisers.

Christian Muli is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His work history includes roles at Merrill since 2022 and positions at Immediate Technical Services Inc. and Binghamton 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Megan McGuire is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has been with Merrill since 2006. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Connor Wagner is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Raymond James, he worked at EXP Realty and has experience in the hospitality and recreation sectors, including roles at Stove and Tap Restaurant and Hershey's Mill Golf Club. He also has a background in education, having worked at West Chester University and LaSalle College High School. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients—including individuals, institutional and pension plans, charitable organizations, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Simon Pak is a financial advisor at Fidelity with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Fidelity, he worked at First National Bank & Trust Company and DoorDash. Outside of his advisory role, he sells items on eBay. Fidelity Strategic Advisers provides investment management and advisory services to a diverse client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary management, fund advisory, and model portfolios, with a focus on systematic methodologies and long-term asset allocation.

Diva Jain is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has been with Bank of America and Merrill since 2015. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joan Heffernan is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1990. 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.

Michael Salerno is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Raymond James, he spent 14 years at Commonwealth Financial Network. Salerno is also an independent contractor for Executive Wealth & Retirement Strategies, a financial planning company operating under a DBA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through affiliations uncommon in large institutional advisors.

Leonard Mancini is a financial advisor at LPL Financial with 25 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 21 years and at OSAIC for one year. Mancini holds Series 63 and Series 66 licenses. 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 wide range of financial planning and investment management services, supported by a large network of advisors and extensive operational resources.

Gavin Skinner is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2015. Outside of his advisory role, he teaches guitar and performs as a musician. 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 using a variety of model-based and discretionary investment strategies.

Cathy Stelling is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She previously worked at Bank of America, N.A. and has experience in education through roles at Vipkid and Sylvan Learning Center. 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 CIO teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anthony Stencler is a financial advisor with LPL Financial and holds the Series 63 and Series 65 designations. He has 28 years of industry experience, including prior roles at Raymond James Financial Services and Wealth Advisory Services. Outside of his advisory work, he is involved with XTREME XPERIANCE, a non-investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients through a large network of investment adviser representatives. The firm offers a range of financial planning, portfolio management, and retirement services supported by proprietary research and a variety of strategic investment options.

Cheryl Tobin is a financial advisor with Merrill in Doylestown, PA, holding a Series 66 designation and seven years of industry experience. She has worked at Merrill since 2016 and is also associated with Bank of America, N.A. outside her advisory role. 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 plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Richard Troast III is a financial advisor at Merrill with 23 years of industry experience. He has held his current position at Merrill since 2008 and holds the Series 66 designation. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Richards is a financial advisor at LPL Financial with 29 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Lincoln Financial Securities and Securian Financial Services. Outside of advisory services, he is the owner and principal of an insurance agency, Strategic Planning and Insurance Advisors, based in North Wales, PA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and portfolio management options, utilizing multiple investment strategies and advanced operational tools.

Maryanne Bohlinger is a CFP® with 30 years of industry experience, currently serving at Cetera. She has held positions at Avantax Advisory Services and 1st Global Advisors, among others, and maintains an active CPA firm providing tax services. Outside of financial advising, she is involved in business consulting and serves as CFO for an engineering consulting company. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports both discretionary and non-discretionary strategies.