Eric Nelson is a financial advisor with Charles Schwab in Princeton, NJ, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at TD Ameritrade, Bank of America, and Merrill. Nelson has been with Charles Schwab since 2019 across different divisions. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Ira Gewirtz is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 2007 and Bank of America, N.A. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Emily Wingfield is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has worked at Merrill and Bank of America since 2019. Prior to her career in finance, she held various roles including positions at TGI Friday's and J&J Snack Foods. 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 institutions.

Daniel Guss is a financial advisor at Merrill with 29 years of industry experience. He has been with Merrill since 2006. Outside of his advisory role, he assists with a family dog sitting business by helping with dog walks and boarding. 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 model-based and discretionary investment strategies developed by internal and third-party teams.

Andrew Weight is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Bank of America and Merrill since 2015. Outside of his advisory role, he consults on general matters for a family-owned business in the mechanical sector. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Alexander Proektor is a Series 66 licensed advisor with Merrill, based in Pennington, NJ. He has six years of industry experience and has been with Merrill since 2019. Prior to his financial advisory career, he held roles in retail and insurance sectors, including positions at La-Z-Boy Furniture Galleries and State Farm. 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.

Michael Kapolka is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and bringing 31 years of industry experience. His prior career includes over two decades with Avantax entities and ongoing work as a CPA through M. Jay Kapolka CPA since 1991. Outside of financial advising, he owns Keystone Fly Rod Company, which offers fly fishing and fly casting instruction, and serves as Treasurer for the Upper Saranac Lake Association. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base through a network of independent financial professionals. The firm provides financial planning, investment management, retirement plan advisory, and financial wellness services using various custody arrangements, proprietary model strategies, and access to third-party managers.

Julie Christman is a financial advisor at Charles Schwab based in Princeton, NJ, with 18 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Charles Schwab and Charles Schwab Bank since 2004 and 2005, respectively. Outside of her advisory role, she bakes goods for holidays and special occasions for family and close friends. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Benjamin Chando is a financial advisor at Merrill with a Series 66 credential. He has one year of industry experience, having previously worked at Kura Sushi and Applebees. Benjamin studied full time at Rutgers University from 2021 to 2025. 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 and profit-sharing plans, corporations, and charitable organizations.

Ariana Karwowski is a financial advisor at Merrill with 12 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Reyne Harris is a Series 66-licensed financial advisor with Merrill, based in Pennington, NJ, and has 25 years of industry experience. He has worked at Merrill and its affiliates since 2000, with a brief tenure at BOFA Securities from 2019 to 2021. Outside of his advisory role, Harris is involved in fitness as an indoor cycling instructor and gym instructor and is a general partner managing financial and administrative duties for Recovery Restoration LLC. 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 variety of clients including individuals, high-net-worth clients, and institutional investors.

Catherine Gowen is a Series 66 licensed financial advisor with Merrill, based in Pennington, NJ. She has 19 years of industry experience and has been with 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Norman Bauman III is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill Lynch since 2005. 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.

Jeffrey Condit is a financial advisor at Merrill with 10 years of industry experience and holds the Series 66 designation. His prior work includes positions at Fred Alger & Company, LLC, and Bank of America, N.A. He is based in Princeton, NJ. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Matthews is a financial advisor at Merrill with 19 years at the firm and two years of industry experience. He holds the Series 66 designation 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gina Marston is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2018. Prior to her career in finance, she worked for six years with the North Penn School District. Outside of her advisory role, she is involved with the Hulmeville Soccer Club, managing funds for a youth travel soccer team. 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 institutional investors.

Brian Bernath is a financial advisor at Merrill with 29 years of industry experience. He has been with Merrill since 2004 and holds a Series 63 designation. 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.

Wendy Warner is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 66 credentials and has been with 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Messina is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been working in the financial services industry since 2007, with experience that includes roles as a Planning Consultant and Relationship Manager at Fidelity Investments, a Wealth Management Advisor at TIAA CREF, and a Financial Representative at Northwestern Mutual. His approach involves assessing clients' unique financial situations and collaboratively building plans that help them pursue financial confidence. He focuses on understanding his clients' ambitions and aligning them with effective tools and resources to assemble a path toward their goals. Michael holds a California Insurance License. Outside of his professional work, Michael has personal interests that include biking, camping, hiking, and snowboarding.

Paul De Grazia is a Senior Financial Advisor for Merrill Lynch Wealth Management based in Princeton, NJ. Since beginning his career with Merrill in 1995, he has provided advisory and leadership services to individuals, small businesses, and institutional clients. His expertise includes retirement planning, executive compensation, employee benefits, investment strategies, and various aspects of wealth management such as tax minimization, legacy planning, and socially responsible investing. Paul takes a holistic, goal-based approach to client relationships, leveraging the resources of Merrill Lynch, Bank of America, and Warringer DeGrazia and Associates to design and implement personalized financial strategies. These strategies encompass investment management, banking, lending, education, planning, and trust and estate considerations. He holds a Bachelor's Degree in Finance from Seton Hall University and a Master's Degree in Theology from Georgian Court University. Paul serves as a Catholic Deacon within the Diocese of Trenton at Saint John the Baptist Roman Catholic Church in Allentown, NJ, and is involved with the Knights of Columbus in Allentown.