David Scafa is a financial advisor with Cetera, holding the PFS™ and Series 63 designations and bringing 27 years of industry experience. He has worked with several firms including Avantax and operates Scafa Professional Center, LLC. In addition to advisory roles, he provides tax preparation and accounting services through his own CPA practice. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with diversified investment programs, combining model portfolios, third-party managers, and customized strategies.

Michael Warin is a financial advisor with Cetera, holding a Series 63 designation and bringing 28 years of industry experience. He has worked at Cetera since 2025 and previously spent over two decades at Avantax in various capacities. Outside of his advisory work, Warin is active in community service through roles at Faith Lutheran Church, including auditing finances, serving as an usher, co-chairing the soup kitchen committee, and chairing an annual hunger walk. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management options and financial planning services through a nationwide network of independent advisors.

Jared Klancic is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2022, previously holding a position at Bank of America, N.A. from 2024 to present. Before his advisory roles, he has professional experience at Widener University, Primo Hoagies, and Roman Catholic. 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 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 CIO teams and third-party managers.

Christopher Mottershead is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2015. 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.

Matthew Doyal is a financial advisor with LPL Financial, holding Series 65 and Series 66 licenses and bringing 11 years of industry experience. Prior to joining LPL Financial in 2022, he held roles at Cuna Brokerage Services Inc., Pentagon Federal Credit Union, Lifecycle Financial Advisors, LLC, McGraw Fill Federal Credit Union, Banc of America Investment Services, PNC Wealth Management, and Ameriprise. He is also a duty manager at Pentagon Federal Credit Union. 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 management services, utilizing model portfolios, third-party subadvisors, and customized strategies across discretionary and non-discretionary accounts.

Keith Latimer is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and 29 years of industry experience. His prior work includes roles at IC Advisory Services, Merrill, Wells Fargo Clearing, and Prudential Equity Group. He serves on the Board of Directors for the Longwood University Foundation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Rich Peckio is currently a Planning Consultant at Fidelity Investments. In this role, he focuses on helping clients work towards their financial goals by preparing personalized financial plans. He emphasizes building relationships with clients to understand their unique situations and co-creating a roadmap tailored to their needs. Rich has been with Fidelity Investments since 2022, holding positions such as Financial Representative and Relationship Manager prior to his current role. His experience encompasses various aspects of financial planning and client relationship management within the firm. He is licensed by the state of California to provide insurance services. Outside of his professional responsibilities, Rich has interests that include fitness, football, hiking, music, parenthood, and traveling.

Charmaine Talvy is a financial advisor with Fidelity, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Morgan Stanley and Morgan Stanley Private Bank, N.A., and she was involved with Table Top Toys Inc. for seven years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.

Stephen Blazejewski is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding Series 63 and Series 66 designations and nine years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at Axa Advisors. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm delivers advice through a network of Investment Adviser Representatives and offers a range of firm-offered and third-party investment programs.

Parmveer Singh is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2020 and Bank of America, N.A. since 2021. Prior to his financial services career, he was employed at Phoenix State Prison and Camp Hill State Prison. 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.

Jay Barry is a Financial Advisor at Merrill Lynch Wealth Management, having joined the Barry team in 2022. Prior to this role, he spent three and a half years as a Financial Data Associate at Moody's Investors Service. Jay focuses on a range of client needs including college education planning, corporate benefits, executive services, divorce transition planning, equity compensation, legacy planning, managing new wealth, personal retirement planning, portfolio management, and tax minimization. He holds a Bachelor's Degree in Public Policy from Hamilton College, earned in 2018, and holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, Jay enjoys playing pickup basketball, golfing, skiing, and traveling. He also follows sports closely, supporting teams such as the Yankees, Giants, Nets, and Devils.

Michael Cohen is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, Merrill, and Wells Fargo. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Andrew Schnitzler is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated 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 supported by internal and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Vivek Sharma is a financial advisor at Equitable Advisors with seven years of industry experience. He holds the Series 66 designation and has worked previously at Bank of America, Merrill, and operated his own firm, Nascap Investors. Outside of his advisory role, he is an independent agent involved in the sales and service of fixed insurance products and operates under the DBA Equity Wealth Solutions. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a range of advisory models and third-party asset managers to tailor investment solutions across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Gregory Stelnick is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 42 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 1989 and has operated Master Tax since 1981. Outside of advising, he is involved with Napa Properties, a real estate rental business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Thomas Walters is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work history includes positions at Bank of America, N.A., and 303 Ocean LLC. Merrill serves a diverse client base, including individuals across wealth levels, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, and discretionary portfolio management. The firm emphasizes tax-efficient strategies and leverages its integration with Bank of America affiliates to support a broad range of financial services.

Jason Snyder is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. He has been with Merrill since 2017 and previously worked for SolarCity/Tesla from 2015 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 and profit-sharing plans, corporations, and charitable organizations.

Ruben Marshall is a CFP® professional with 28 years of industry experience, currently serving at J.P. Morgan Securities in Princeton, NJ. He has worked at J.P. Morgan Securities since 2014 and previously spent three years with RGCA Family, LLC. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Robert Jaouen Jr. is a financial advisor with Merrill in Pennington, NJ, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been with Merrill and Bank of America since 2013. Outside of his advisory role, he is involved part-time with his family’s business, De Lorenzo's Tomato Pies, serving as a restaurant server. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party managers.

Lisa Kent is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 40 years of experience to her role. She serves multiple generations within families, focusing on family wealth management strategies, legacy planning, and personal retirement planning. Lisa is a qualified Portfolio Manager within the Merrill Investment Advisory Program, where she builds and manages personalized investment strategies that may incorporate a range of assets and third-party strategies. Lisa holds a Bachelor's degree from Bucknell University. She holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Lisa was honored to chair the Merrill Financial Advisor Advisory Council to Management in 2021, representing her peers to senior leadership. She has been recognized by Forbes as one of the "Best-In-State Wealth Advisors" from 2019 through 2023, and as one of "America's Top Women Wealth Advisors" in 2019, 2020, and 2021. Lisa focuses on empowering women to take control of their financial lives, providing clear guidance as a peer and mentor. Outside of work, she enjoys cycling, cooking, hiking, dancing, and spending time with her family in East Brunswick, New Jersey.