Mara Miller is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2012. 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.

Jaclyn Neuwirth is a Financial Consultant at Fidelity Investments, a role she has held since 2023. Prior to this, she served as an Investment Consultant and Central Relationship Manager at Fidelity Investments, and earlier in her career, she worked at Charles Schwab as an Associate Financial Consultant and Client Service Specialist. Jaclyn's professional experience spans various aspects of financial consultation and client service within the investment industry. She holds a California Insurance License, which complements her expertise in financial planning and investment consultation. Jaclyn emphasizes the importance of creating financial plans that begin with clients' aspirations and a clear understanding of available options. She focuses on empowering clients through education and building long-term trusting relationships. Outside of her professional work, Jaclyn enjoys camping, family activities, horseback riding, and traveling.

Emma Carey is a financial advisor with Merrill and holds a Series 66 designation. She has eight years of industry experience, including prior roles at UBS Financial Services and Pactolus Private Wealth Management. Carey is currently based in Flemington, 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 plans, corporations, and charitable organizations.

Curtis Mullins is a financial advisor at Osaic with 23 years of industry experience. He holds the Series 66 designation and spent 11 years with Edward Jones prior to joining Osaic in 2024. Outside of his advisory work, Mullins serves as the secretary for the Rotary Club of Old Bridge Sayreville, a nonprofit organization supporting local communities. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Charles Vail is a Wealth Management Advisor specializing in developing personalized financial strategies for individuals and families. His role encompasses investment management, retirement planning, estate planning, and tax-efficient strategies aimed at helping clients achieve their financial objectives. He provides comprehensive financial advice and maintains a client-first approach in all his interactions. With a demonstrated history of working in the financial services industry, Charles has expertise in areas such as portfolio management, family wealth management strategies, college education planning, personal retirement planning, and legacy planning. He possesses skills in Microsoft Word, banking, securities, ETFs, and ADRs. Charles holds several professional designations including Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Kutztown University. Additionally, he serves on the Board of Trustees for the Baum School of Art and is involved with the Pennsylvania Youth Ballet's Ballet Guild of the Lehigh Valley and The Baum School of Art.

Olivia Younker is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at PNC Financial Services and academic support at the Dietrich School Center for Academic Success. J.P. Morgan Securities 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 centralized due-diligence framework.

Karen Tiedemann is a financial advisor with Merrill in Westfield, NJ, holding a Series 66 designation and 22 years of industry experience. She has been with Merrill since 2007 and also has experience with Bank of America, where she has worked since 2020. 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.

Sunit Patel is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. He has worked with PFS Investments Inc. since 2006 and Primerica Financial Services since 2005. Outside of his advisory role, he is a CPA and partner at Yamini Accounting & Tax Service, providing bookkeeping and tax preparation services. Primerica Advisors is a large institutional firm that offers a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies from unaffiliated asset managers and provides advisory services through a network of nearly 3,700 financial advisors.

Margaret Mcclain is a Series 66-licensed financial advisor with Merrill, based in Bridgewater, NJ. She has 20 years of industry experience 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.

Nicole Bono is a Series 66-licensed financial advisor at J.P. Morgan Securities with four years of industry experience. She has been with JPMorgan Chase Bank and JPMorgan Securities since 2015. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Walter Pardo is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and over 34 years of industry experience. He has worked at multiple firms including Independent Financial Group, LLC and Avantax entities, and has managed his own financial planning and tax consulting businesses for over a decade. Pardo is involved in delivering financial planning, retirement planning, tax planning, and legacy planning through his role at Private Client Group WFP LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered advisor serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment models and third-party managers.

Jeffrey Mc Mahon is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. His career includes long tenure at Prudential from 1993 to 2020, and roles at International Planning Alliance, Guardian Life Insurance Company of America, and Primerica Advisors before joining J.P. Morgan in 2022. 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 broker-dealer, investment adviser, and commodity futures functions, delivering non-discretionary asset allocation recommendations supported by an in-house manager solutions team and centralized due diligence.

Michael Figurski is a financial advisor with Ameriprise in Bedminster, NJ, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliates since 2014. Figurski serves on the Board of Directors for Medix Pro Clot LLC. Ameriprise offers a retirement-income planning service focused on clients with at least $1 million in net investable assets, providing tailored recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with algorithmic automation to deliver these services through a centralized consulting team.

Nicholas Barbey is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at JPMorgan Chase Bank, N.A. since 2018. Prior to that, he worked briefly at the Port Authority of New York and New Jersey and attended Bentley University. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s process combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Rakesh Agrawal is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked previously at Grand Castle Realty and Prudential Insurance Company of America. Outside of advising, he is involved as a real estate salesperson with LOVI Real Estate LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers a range of financial planning, asset management, and insurance services.

Shenghua Wang is a financial advisor at LPL Enterprise with 25 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at firms including Prudential Insurance Company of America and MSI Financial Services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various non-securities products and services.

Michael Troicki Jr. is a financial advisor with Merrill and holds a Series 66 designation. He has 25 years of industry experience, including roles at Merrill Lynch, Pierce, Fenner & Smith Inc., and Bank of America. He is based in Iselin, NJ. 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, and institutional accounts, utilizing internal and third-party managers.

Laura Osifchin is a financial advisor with Merrill in Flemington, NJ, holding a Series 66 credential and eight years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2018. Prior to her current roles, she was involved with Lean Out Communications LLC and Avantor, Inc., and had a brief involvement with Oink and Moo BBQ and Brew. 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, and charitable organizations.

Huiqing Gu is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 29 years of industry experience. She has been with Mass Mutual Investors Services since 2017 and has worked at Massachusetts Mutual Life Insurance Company since 2016. Outside of advisory work, she is active as a sales agent in insurance brokerage, specializing in individual and group life, health, dental, disability, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved tools to deliver collaborative, annual planning engagements.

Raymond Rudorfer is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 23 years of industry experience. He previously worked at Ic Advisory Services, Inc. and The Investment Center, Inc. His current role at LPL Financial began in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services, utilizing models, third-party subadvisors, and customized strategies supported by technology tools, and it oversees over $819 billion in discretionary assets through a broad network of more than 22,800 advisors.