Gregory Gallucci is a Series 66 licensed financial advisor with 21 years of industry experience. He has worked at Merrill since 2017 and at Bank of America, N.A. since 2020, with prior experience at North South Capital, LLC. Outside of advising, he owns Fophie, a food services marketplace LLC. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Mark Walters is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Raymond James Financial Services from 2014 to 2020 and has been associated with Sweatt & Walters Associates LLC since 1985. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning services, and retirement consulting, utilizing model portfolios and research from multiple sources.

Jose Madera Reyes is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. He previously worked at Cetera and Foresters Financial Services. Reyes is also a licensed notary and involved in non-variable insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services with both discretionary and non-discretionary management options.

Joseph Deery IV is a Series 66-registered financial advisor at Merrill with 13 years at the firm and 4 years of industry experience. He is based in Princeton, 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sandra Perez is a Series 66-registered advisor with Merrill in Iselin, NJ, and has 16 years of industry experience. She has been with Bank of America N.A. and Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Christopher Wittmann is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab since 2022. Prior to his advisory career, he was involved with The Bayou: Southern Kitchen and worked at Cracker Barrel for ten years. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.

Hedy Zahran is a Financial Consultant at Fidelity Investments, a position she has held since 2019. In this role, she focuses on understanding clients' goals and helping them navigate options to work towards achieving those objectives. She collaborates with clients to examine their financial plans, define their destinations, and identify appropriate paths, utilizing Fidelity's range of offerings to support meaningful progress. Prior to joining Fidelity, Hedy accumulated extensive experience in the financial sector, including roles such as Vice President at MSCI from 2011 to 2016 and at Pershing from 2008 to 2009. Earlier in her career, she held positions at Goldman Sachs, Credit Suisse, Scudder Kemper Investments, and BEA Associates, gaining a broad foundation in financial services. Hedy holds a California Insurance License, which complements her expertise in financial consulting.

Inderjeet Singh is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2008 and at Bank of America, N.A. since 2011. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jacob Reilly is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 11 years of industry experience. He has worked at Bank of America and 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 plans, corporations, and charitable organizations.

Chris Maniaci is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, based in Princeton, NJ. He began his career at Merrill in 1989 in Operations and progressed to Operations Manager before transitioning to a Financial Advisor role. Chris is committed to providing personalized wealth management strategies, focusing on areas such as college education planning, executive compensation, family wealth management, retirement planning, portfolio management, and services for endowments, foundations, and non-profits. Chris holds a Bachelor of Science degree in Economics from the State University of New York at Cortland and has earned the Certified Investment Management Analyst® (CIMA®) designation through the Investments & Wealth Institute™. He also holds the Personal Investment Advisor (PIA) designation. Chris emphasizes putting clients' interests first and delivering comprehensive service that supports their long-term financial goals. Outside of his professional role, Chris is involved with the Hemophilia Association of New Jersey. He enjoys golfing, ice hockey, skiing, softball, and spending time with his family.

Rahil Shah is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, Merrill, and prior experience in various industries including consulting and hospitality. 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 plans, corporations, and charitable organizations.

Robert Ferroni is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill since 2007. 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.

Domenick Acerra Jr. is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Hawk Capital and several educational institutions, as well as positions in the service industry. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Elizabeth Garry is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has worked at Morgan Stanley since 2014 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and scenario modeling.

Michael Ducore is a financial advisor at Equitable Advisors with Series 63 and Series 65 credentials and 44 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he is involved as a life settlement broker with The Ashar Group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to execute client recommendations.

Colin Sullivan is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at Merrill Lynch since 2013, including tenure at Bank of America, N.A. since 2022. Merrill, along 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. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, with various features including strategic asset allocation and tax-aware options.

Mark Minnium is a financial advisor at Merrill with 35 years of industry experience and holds Series 63 and Series 66 designations. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2018 and previously spent time at Ross Printing and Promotion and Sorrento Pacific Financial, LLC. 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, retirement plans, corporations, and charitable organizations.

Iva Mcgowan is a financial advisor with Merrill in Pennington, NJ, holding Series 65 and Series 63 credentials and having 27 years of industry experience. She has been with Merrill 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Armstrong is a financial advisor at Equitable Advisors with four years of industry experience. He holds the Series 66 and Series 63 licenses and previously worked at JPMorgan Chase Bank and JPMorgan Securities. Armstrong also has experience outside finance, including a role at ITS Nutts on the Canal LLC. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and institutions. The firm offers financial planning, insurance distribution, and access to third-party asset management programs through a dual-registered investment adviser and broker-dealer model.

Jonathan Beaubien is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. His prior work includes roles at Park Avenue Securities, Guardian Life Insurance Company, and Certified Financial Services. Outside of his advisory work, he serves as a board member for KYDS, a youth and community development organization, and works as a baseball instructor at Leftys Sports Academy. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational programs, employing firm-approved tools to analyze client goals and deliver written recommendations.