Steven Griffiths is a Senior Financial Advisor with over 20 years of experience in financial services, currently serving within Merrill Lynch Wealth Management. He specializes in helping clients develop personalized wealth management strategies that address a comprehensive range of financial needs. Steven's expertise encompasses executive compensation, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, as well as retirement income planning. He holds the Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) credential. Steven earned his Bachelor's Degree from the University of Richmond. In addition to his professional work, Steven enjoys fishing, running, skiing, swimming, and spending time with his family.

Gregory Dries is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured processes and proprietary modeling tools.

Tad Moses is a Planning Consultant at Fidelity Investments, where he collaborates with a team of financial advisors to assist clients in building and achieving their financial goals. His role focuses on planning support and fostering ongoing relationships to guide clients toward personalized financial success. He has been with Fidelity Investments since 2015, progressing through roles as Relationship Manager and Senior Relationship Manager before becoming a Planning Consultant in 2020. Prior to Fidelity, Tad worked as a Financial Advisor at VALIC and Raymond James, gaining experience in financial advisory services. Outside of his professional work, Tad enjoys baseball, social events with friends, hiking, music, parenthood, and tennis.

Melissa Jenkins is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. She 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Adlam Jr. is a financial advisor with Mass Mutual Investors Services, holding the ChFC® and Series 63 designations and possessing 40 years of industry experience. He has worked at MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company since 1989. In addition to his advisory role, he is active as an insurance agent involved in the sales and service of insurance products. MassMutual Investors Services, LLC, a broker-dealer and SEC-registered investment adviser, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and offers specialized programs such as estate settlement and employer-sponsored planning.

Karen Klukososki is a Series 66 licensed financial advisor with 15 years of industry experience. She has been with Merrill 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 a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Victoria Nelson is a Series 66-licensed financial advisor at Merrill with seven years of industry experience. She has worked at Merrill since 2019 and previously held positions at Cape May Sweet House, Rider University, and Harbor View Restaurant. 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 strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Joseph Buono is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2019. His prior experience includes roles at Rider University, Rutgers University, and Mercer County Community College. 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, institutions, and charitable organizations, utilizing internal and third-party managers to implement customized portfolio solutions.

Oliver Gordon is a financial advisor at Merrill with 11 years of industry experience. He has held his current role at Merrill since 2016 and holds Series 63 and Series 66 designations. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Barry Gessner is a financial advisor at Osaic with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. since 2003. In addition to his advisory role, he serves as President and majority shareholder of X-Pando Products Company, Inc., and is a volunteer Board of Directors member and investment committee participant at Frankford Friends School, a private Quaker school. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include financial planning, portfolio management, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and strategies implemented by its advisors.

Ronald Capone is a financial advisor at LPL Financial with 42 years of industry experience. He holds the ChFC® and Series 63 designations. His previous roles include positions at Cadaret, Grant & Co., Inc. and Prosperity Wealth Management. Outside of his advisory work, he is an active drummer in the band Northern Lights. 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 advisory and brokerage services, including financial planning and access to third-party asset management, combining a broad platform with extensive operational and research support tools.

James Balsamides is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2006 and Bank of America, N.A. since 2011. 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.

Nicholas Hill is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in serving high-net-worth individuals and multi-generational families. With nearly 15 years of experience in financial services, he focuses on delivering tax-efficient strategies, estate planning, executive compensation, and legacy planning. Nicholas works closely with clients and his team to develop customized approaches that address retirement, education, liability management, and portfolio management, aiming to simplify complex financial decisions and enhance clients’ financial and emotional wellbeing. Nicholas earned a Bachelor of Science degree in Business Management from James Madison University, concentrating in Human Resources and minoring in English. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation and the Personal Investment Advisor (PIA) credential. Throughout his career, Nicholas has emphasized client-centric service, following a family tradition of prioritizing clients’ best interests and fostering long-term relationships. Outside of his professional responsibilities, Nicholas is involved with the YMCA of Bucks and Hunterdon County. He enjoys spending time with his family, watching the Philadelphia Eagles, boating, playing golf and ice hockey, as well as relaxing at the family’s home on Long Beach Island.

Steven Fleisher is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. He has worked at Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as a trustee for his mother. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Nathan Lewis is a financial advisor with Merrill, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Merrill, he worked at Middletown Country Club and has experience in various service and recreational businesses, including Capt'n Jacks Island Grill and Lang's Ski 'N Scuba. 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 a range of clients including individuals, high-net-worth investors, and institutions.

Gabriel Garcia La Placa is a financial advisor at Equitable Advisors with Series 66 and Series 63 licenses and two years of industry experience. He has worked at Equitable Advisors since 2024 and previously at Intellect.us and LaPlaca Insurance. Outside of his advisory roles, he has been involved in delivery work with DoorDash since 2020. 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 offers a variety of advisory programs delivered through its network of Investment Adviser Representatives and third-party managers, with a focus on aligning client risk tolerance to suitable investment models.

Brian Polakowski is a financial advisor at Merrill with 24 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2018, following a 17-year tenure at Blackrock Investments, Inc. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Philip Grossman is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Grossman holds Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Leonardo Ramos is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and six years of industry experience. He has worked with Merrill since 2019 and has been associated with Bank of America entities since 2018. Outside of his advisory role, he works as an independent contractor delivery driver for DoorDash. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Cheryl Berry is a financial advisor at Thrivent Investment Management with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Thrivent and its affiliates since 2017. Prior to her advisory role, she worked as faculty in the dental hygiene clinic at Montgomery County Community College, where she taught clinical skills. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers integrated planning and managed-account solutions under a consolidated billing option called “WealthPlan.”