Michael Costo is a financial advisor with Merrill, holding a Series 66 designation and having 21 years of industry experience. He has worked at Merrill since 1995. Outside of his advisory role, he is a co-owner of a family rental property business in Ocean City, New Jersey. 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 various institutional clients.

Kanisha Scott is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Merrill since 2022 and previously held roles at the University of Pennsylvania, the City of Philadelphia Department of Revenue, and EDM Americas. Outside of her advisory role, she is employed as a bartender and concessions worker at Profit Legends Hospitality LLC in New York. 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.

Thomas Mclaughlin is a financial advisor at Merrill with 14 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2010. 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.

Ursula Johnson is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she is involved in audio/visual art production through PYMG, LLC, serves as an associate minister, teaches biblical principles of finance to women in transitional housing, and volunteers as a roving poll monitor for election integrity. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized written recommendations.

Jeffrey Jacoby is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers services through a centralized consulting team in partnership with financial advisors like Jacoby.

Rachel Schmiege is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2018, including seven years with Bank of America, N.A. prior to her current role. Before joining the financial services industry, she was employed at Freedom Federal Credit Union and Wegmans Food Markets. 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.

Amy Baker is a CFP® professional with 26 years of industry experience. She has worked at Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jacob Long is a financial advisor with Equitable Advisors in Conshohocken, PA, holding a Series 66 designation and 12 years of industry experience. He has worked at Equitable Advisors since 2016, including service at its predecessor firm Axa Advisors LLC, and previously at MSI Financial Services, Inc. Long also owns and manages rental properties. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing third-party asset managers and proprietary programs.

Erik Barlow is a financial advisor at Wells Fargo Clearing with five years of industry experience and a Series 66 designation. He previously worked at UBS Financial Services and Equitable Advisors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and a range of brokerage and advisory solutions. The firm manages approximately $671 billion in assets and utilizes research and analytics from Wells Fargo Investment Institute alongside diversification principles and modern portfolio theory.

Andrew Salmon Jr. is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His background includes roles in education at various institutions and employment at Pennington Quality Market. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Matthew Gonnella is a financial advisor with LPL Enterprise who holds a Series 66 designation and has one year of industry experience. Prior to joining LPL Enterprise, he worked in various roles including positions at US Mortgageline and Acorn Industrial Products. Outside of financial advising, he also works evenings as a server at Iron Hill Brewery. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth clients, employer-sponsored retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and affiliated trust and insurance services.

Sean Mc Intyre is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked for T-Mobile from 2016 to 2024. 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.

Bruce Graeber is a Financial Advisor with Merrill Lynch Wealth Management, bringing a unique educator's approach to financial planning. He focuses on helping clients understand their financial situations clearly and confidently while delivering personalized strategies that align with their goals and values. Bruce specializes in areas such as college education planning, equity compensation services, investment consulting for defined contribution plans, personal retirement planning, and tax minimization. His professional background includes experience as a Mortgage Loan Officer and service on Merrill's Premium team, where he supported high-net-worth clients. Bruce holds a Finance degree from Bloomsburg University with a specialization in Personal Financial Planning. He has earned advanced credentials including the Chartered Retirement Planning Counselor (CRPC) and the Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designations from the College for Financial Planning. Outside of work, Bruce is involved in community organizations such as Habitat For Humanity, Ivyland Presbyterian Church, and Neshaminy High School Wrestling. He enjoys chess, spending time with family, watching movies, and writing.

Thomas Forscht is a financial advisor with Primerica Advisors based in Chalfont, PA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with PFS Investments Inc. since 1999 and Primerica Financial Services since 1998. Forscht is involved in several investment-related businesses, including co-ownership of Future Legacy Group, LLC. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors across a range of wealth levels, as well as corporate and charitable clients. The firm employs model-driven strategies managed by unaffiliated asset managers and offers discretionary portfolio management supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Jill Borges is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. Prior to joining Merrill in 2020, she worked at BlackRock from 2015 to 2019. Outside of her advisory role, she owns Kings of Tailgating, LLC, a business focused on event setup. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Michael Sedam is a financial advisor with Cambridge Investment Research Advisors and holds the ChFC® designation along with Series 63 and Series 66 licenses. He has 23 years of industry experience, including prior roles at Commonwealth Financial Network and Northwestern Mutual. Sedam is also the owner and CEO of TEN22 Private Wealth, P.C., a firm providing securities, financial planning, advisory services, and insurance. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs across multiple platforms and custodians.

Patrick Caligiuri is a financial advisor with Mass Mutual Investors Services, where he has worked since 2017. He holds the Series 63 and Series 65 designations and has 39 years of industry experience. Prior to his current role, he spent 10 years with Metlife Securities, Inc. Outside of advisory work, he is an individual life insurance agent. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, structuring planning as annual collaborations using firm-approved analytical tools.

Timothy Drake is a financial advisor with Merrill holding a Series 66 designation. He has one year of industry experience and has worked in various roles including positions at United Energy Services, Somerset County, and the University of Delaware. 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.

Edward Fernberger Jr. is a financial advisor with Raymond James & Associates in Doylestown, PA, holding 54 years of industry experience. He previously worked at Merrill for nine years before joining Raymond James in 2016. Outside of his advisory role, he serves on the advisory board of the Mount Sinai Cemetery Association. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers a range of financial planning and consulting services supported by extensive research and a variety of portfolio management styles.

Craig Denham is a Senior Financial Advisor with The Martinides Group at Merrill Lynch Wealth Management. He brings 27 years of experience in wealth management, having worked with US Trust, Bank of America's Private Bank division, before joining Merrill in 2012. Craig's career has involved various roles focused on serving high-net-worth individuals and institutional clients. Craig grew up in Yorkshire, England, and moved to the United States in 1994 on a golf scholarship. He earned bachelor's degrees in Finance and Management from the University of Mobile, graduating magna cum laude. He holds the Personal Investment Advisor (PIA) designation. Currently residing in Pennington, New Jersey, Craig lives with his wife, Jill, their children Gwyneth, Felicity, and Tristan, and a variety of pets. Outside of work, he spends time with his family, enjoying activities such as cooking, going to the beach, and golfing.