Benjamin Gallanter is a financial advisor with Merrill holding a Series 66 designation and beginning his industry career in 2024. Prior to joining Merrill, he worked at Griffin Alexander, P.C. and has experience in various roles including at Bernikow Jewish Community Center of Staten Island and Sunrise Day Camp. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Seth Diener is a financial advisor with LPL Financial in Newtown, PA, holding Series 63 and Series 66 licenses and possessing 23 years of industry experience. He previously worked at Nationwide Securities, LLC for 10 years and the James Barton Agency for 14 years. Diener is involved in marketing services through his business Oak and Stone Marketing. 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 financial planning and investment solutions, including model portfolios, third-party asset management, and institutional platforms, supported by advisor-facing technology tools.

Ralph Grill is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Bank of America and Merrill Lynch 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 strategies designed by internal and third-party managers, serving individual, high-net-worth, pension, corporate, and charitable clients.

Andreas Wiersbitzky is a financial advisor with LPL Enterprise, holding a Series 66 designation and two years of industry experience. His previous roles include positions at The Prudential Insurance Company of America and Pruco Securities LLC, as well as self-employment periods. He is also associated with Stratum Holdings LLC for tax and investment purposes. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities through a network of investment adviser representatives. The firm employs model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in wrap programs, along with affiliated trust and insurance services.

Lauren Quatrocchi is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1991. Outside of her advisory role, she is employed at Bentley's Fine Jewelers and serves as an officer for the Bulldog Club of New Jersey, where she helps coordinate specialty shows and educational seminars. 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 with model-based and discretionary investment strategies.

Tyler Allen is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, he worked at Bank of America N.A. and operated Allen's Automotive for five years. He also spent six years at Rutgers University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers various 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.

Patricia Vance is a Series 66 credentialed financial advisor with Merrill, where she has worked since 1992, totaling 34 years at the firm and 28 years of industry experience overall. She is based in Pennington, 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 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 teams and third-party managers.

Thomas Seiler is a financial advisor with Raymond James & Associates in Newtown, PA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Raymond James & Associates since 2011. Outside of his advisory role, he is listed as the owner of an LLC established for the purchase of a trademark. 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 diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

William Corcoran Jr. is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and possessing 19 years of industry experience. His career includes roles at H.D. VEST Securities and Capital Planning Associates of the Greater Del Val before joining Ameriprise Financial Advisors Inc. and subsequently Ameriprise. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, delivering written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Karlie Lorenz is a Wealth Management Advisor with Merrill Lynch Wealth Management. She holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Certified Plan Fiduciary Advisor® (CPFA) designations, as well as credentials as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). Karlie graduated from James Madison University and is a member of the professional organization Alpha Phi Omega. Her practice focuses on comprehensive wealth management strategies including retirement planning, tax minimization, wealth transfer, education funding, and socially responsible investing. Karlie emphasizes understanding her clients' goals and values to build trusted, long-term relationships and financial plans that provide clarity and confidence through life’s transitions and market cycles. She serves individuals and families, with particular attention to areas such as women and wealth, family wealth management, and LGBT wealth planning. Karlie is involved in community organizations including First Choice Home Health and Hospice, Make Your Mark on Madison, and UrbanPromise Trenton. She resides in Yardley, Pennsylvania, with her husband Clay and enjoys spending time with family on Long Beach Island, New Jersey.

Salvatore Mannino is a financial advisor with Edward Jones in Lahaska, PA, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. He has been with Edward D. Jones & CO., L.P. since 1997. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory services including wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Derek Mathews is a Certified Financial Planner (CFP®) with 22 years of experience in the industry. He has been with UBS Financial Services since 2013, working in Newtown, PA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services to provide comprehensive financial solutions.

Brady Stephens is a Series 66 licensed financial advisor at Merrill with one year of industry experience. His prior roles include positions at Barton Associates, Costco Wholesale, and the Arizona Cardinals, among others. 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 and profit-sharing plans, corporations, and charitable organizations.

Danielle Tersaga is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth management, financial planning, and investment strategies for high net worth individuals and families. Since 2013, she has been dedicated to helping clients achieve success across all aspects of their financial lives by providing comprehensive and personalized financial services. Danielle approaches each client relationship through a detailed planning process that begins with understanding their unique situation, values, and long-term vision. She designs and implements customized plans utilizing cash flow analysis, simulation testing, and risk management to determine optimal asset allocation. Her approach ensures adaptability as her clients' circumstances evolve, enabling them to face challenges with confidence. She holds a B.S. in Business and Economics with a focus in finance from Ursinus College and has earned the Accredited Wealth Management Advisor™ and Chartered Retirement Planning Counselor™ designations through the College for Financial Planning Institutes Corp. Danielle is also licensed for FINRA Series 7 and 66 securities registrations, as well as life, health, and long-term care insurance. Outside of her professional responsibilities, she enjoys boating, bowling, interior decorating, photography, and spending time with her family.

Mark Oberlander is a financial advisor at Cambridge Investment Research Advisors with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked previously at Madison Avenue Securities, Mass Mutual Investors Services, and Metropolitan Life Insurance. Outside of his advisory role, he works as a bartender at Killamey’s Pub in Hamilton, NJ. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, trusts, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements.

Neal Oberto is a CFP®-certified financial advisor with 11 years of industry experience, currently with OSAIC since 2023. He previously worked at FSC Securities Corp for eight years. Outside of his advisory role, he is also licensed as a life insurance agent and assists with financial planning activities under James R. Potoka. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs a range of asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Ryan Britton is a Series 66-credentialed financial advisor with Merrill in Pennington, New Jersey, and has four years of industry experience. Before joining Merrill, he worked at Renaissance and Xtend Healthcare. Outside of his financial advisory role, he is a musical performer who occasionally livestreams on Twitch for personal enjoyment. 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.

Eric Budhan is a financial advisor at Merrill with Series 63 and Series 66 credentials and seven years of industry experience. He has worked at Merrill since 2018 and at Bank of America, N.A. since 2021. Prior to his financial services career, he was employed at Maggiano's Little Italy and Inland Group. 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.

David Kerwick is a Series 66 licensed advisor at Merrill with 14 years of industry experience. He has been with Merrill since 2008 and is based in Pennington, 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 strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Anthony Cacace is a financial advisor with Merrill, holding a Series 66 designation and 15 years of industry experience. He has been with Merrill and Bank of America 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, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.