Sunil Seth is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 66 licenses and over 30 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory work, he is involved in owning rental property. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools as part of its financial planning process.

Robert Dunn is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience. He specializes in assisting families, corporate executives, and business owners with managing and growing their wealth. His expertise includes comprehensive strategies for investment management, retirement planning, estate planning, and liability management, tailored to the unique goals of his clients. Dunn and the DLR Group emphasize a team-based approach to provide clients with comprehensive guidance and innovative financial strategies. Dunn holds a Bachelor's Degree from Villanova University and professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His areas of expertise encompass corporate retirement plans, equity compensation strategies, alternative investments, and customized lending solutions through Bank of America. Outside of his professional role, Dunn is involved in his community as a lacrosse coach and serves on the boards and committees of his children's schools. He also participates in various committees at Georgetown Prep and Holy Redeemer, reflecting his commitment to educational and community engagement. His personal interests include boating, fishing, football, hunting, ice hockey, and spending time with his family.

James Baratta is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 66 credentials and 28 years of industry experience. His prior roles include extensive tenure at Cantor Fitzgerald & Co., where he worked for over a decade before joining Merrill and Bank of America. 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 Parks is a financial advisor with Wells Fargo Clearing based in Princeton, NJ, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. He also serves as a power of attorney for family members in investment-related matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its financial product offerings.

Pablo Araya Chacon is a financial advisor at Merrill with three years of industry experience and holds the Series 66 credential. His prior work includes roles at the Credit Union of New Jersey and Bank of America. Outside of his advisory duties, he operates an online reselling business through eBay. 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, and institutions.

Michael Spina is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their financial priorities and develop strategies tailored to their short-, mid-, and long-term goals. He provides guidance on a range of financial matters including general investing, retirement planning, and preparing for unexpected financial needs, and connects clients with Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Michael holds a Bachelor's Degree from Seton Hall University and has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His approach centers on building relationships to uncover what matters most to clients and designing strategies that align with their unique financial objectives.

Rose Ochido is a financial advisor at Merrill with 22 years of industry experience. She has held her current role since 2010 and holds a Series 66 designation. 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.

James Foote III is a financial advisor with LPL Financial in Newtown, PA. He holds Series 65 and Series 63 licenses and has 32 years of industry experience, including long tenures at American United Life and Oneamerica Securities. Since 2023, he has also been involved with Citizens & Northern Bank as a Retirement Plan Service Manager. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Edward Donnelly is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads Donnelly & Associates, recognized by Forbes as one of the top wealth management teams in the country. Edward joined Merrill in 2011, bringing over 25 years of experience in the financial services industry, including work on the NYSE and at several mortgage banks specializing in customized mortgage experiences. Edward and his team provide comprehensive wealth management services to corporate executives, business owners, and ultra high net worth families. His expertise includes tax planning, estate structuring, charitable strategies, and concentrated stock management, particularly for leaders in the technology, healthcare, and financial sectors. He utilizes advanced planning techniques such as concentrated stock diversification, tax-efficient liquidation strategies, 10b5-1 management, SLATs, GRATs, IDGTs, ILITs, charitable estate planning, donor advised fund integration, family governance, multigenerational planning, executive liquidity event preparation, and custom structured liability and liquidity management. Edward holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He completed an Accredited Certificate Program from ACC. Outside of his professional work, Edward is a father of three children and coaches multiple sports. He has personal interests in cooking, baseball, and golf.

Kelley Smith is a Series 66-licensed financial advisor with Morgan Stanley in Yardley, PA, holding six years of industry experience. Prior to joining Morgan Stanley in 2018, Smith worked at TD Bank and briefly at La Salle University. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured planning tools and methodologies such as Monte Carlo simulations.

Domenic Maruca is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has been with Merrill since 2019. Prior to joining Merrill, he was a student from 2015 to 2019. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jacob Aaronson is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Merrill and Toll Brothers Mortgage Company. Outside of finance, he is involved with Plumsted Grill, a restaurant and bar where he serves as an employee. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process.

Timothy Jayne is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 26 years of industry experience. His prior work history includes positions at Bank of America, Merrill, and UBS Financial Services. Outside of advising, he serves as a non-public arbitrator in New York. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs and financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its advisory process.

Benjamin Greenstein is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His background includes roles at Dow Jones and various positions in retail and education prior to joining Merrill. 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.

Jason Handwerger is a financial advisor at J.P. Morgan Securities with 29 years of industry experience. He holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2012, also working at JPMorgan Chase Bank, N.A. since 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Andrew Moss is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, he worked at Deloitte for two years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Carty Giffin is a financial advisor with Ameriprise in Newtown, PA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves on the Board of Directors for the Eagleton Farms Homeowners Association. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to develop personalized recommendations delivered through a centralized consulting team.

David Dominici is a financial advisor at Cetera with 40 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Cetera in 2025, Dominici worked at Ameriprise Financial Services for ten years and is also a partner at Game Time Performance, a baseball and softball training business. He serves as treasurer of the St. Josephs Men's Guild, a religious organization. Cetera Investment Advisers LLC is a large SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary strategies with over 10,000 advisors nationwide.

Jennifer Davis is a Series 66-licensed financial advisor at Merrill with 19 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Erika Kelly is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill Lynch Pierce Fenner & Smith since 2016, as well as Bank of America since 2026. Prior to her financial career, she was employed at The College of New Jersey from 2013 to 2017. 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.