Ryan Hayes is a Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch Wealth Management in 2025 and focuses on assisting individuals, families, and business owners in navigating complex financial decisions. He works out of the Yardley, PA office and serves clients throughout the country. Ryan has 11 years of experience in the financial services industry. His areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, individual and corporate investment strategy, tax minimization, and retirement income. He and his team utilize their combined experience to help clients preserve and build wealth across multiple generations. He earned a bachelor's degree in Finance from Tulane University in 2014 and holds the Personal Investment Advisor (PIA) designation. Ryan currently resides in Philadelphia, PA with his wife and two children. Outside of work, he enjoys basketball, cooking, fishing, golfing, music, pickleball, reading, running, spending time with his family, and surfing.

Christopher Tiffany is a financial advisor with Morgan Stanley in Lawrenceville, NJ, holding a Series 66 license and 14 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2012 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that uses firm-approved tools and modeling techniques.

Elizabeth Mccarthy is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Jeannie Aversa is a financial advisor with Merrill in Pennington, NJ, holding a Series 66 designation and 12 years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2016. 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.

Abigail Wick is a Series 66 credentialed financial advisor with Morgan Stanley, where she has worked for 10 years, including five years at Morgan Stanley Private Bank, N.A. Prior to her current role, she was involved with SUNY Binghamton Athletics and SUNY Binghamton University. Outside of her advisory work, she coaches and trains young girls in the Yardley Makefield Soccer program. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning services supported by firm-approved tools and advanced modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients through various direct and corporate financial planning arrangements.

Antonios Delistathis is a financial advisor at Merrill with 22 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Voya Financial Partners and ADP Broker-Dealer. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Juliana Gaviria Duque is a financial advisor with Merrill, holding a Series 66 designation and 12 years of industry experience. She has worked at Bank of America and Merrill since 2014. Outside of her advisory role, she is the owner of FCG Investments LLC, a for-profit business. 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 institutional investors.

Michael Tapp is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Before joining Merrill in 2026, he worked in marketing and education roles, including positions at Media X Marketing and Rowan University. 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.

Stacy Bucchere is a financial advisor at Merrill with 26 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1998. 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 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 and third-party managers.

Michael Valentino is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America, N.A. and Merrill since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for individual, high-net-worth, pension, corporate, and charitable clients. The firm offers model-based and discretionary investment strategies managed by internal teams and third-party managers, with features including tax-aware options and multiple trading and custody support services.

Dawn Capozzi is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has been with Merrill since 2002. Outside of her advisory role, she has provided consulting delivery services for DoorDash and is involved in a family investment LLC. Additionally, she participates as a parent volunteer in a minor league baseball team’s food service operations, which includes training related to alcohol service. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Ericka Neville is a financial advisor with Primerica Advisors in Lafayette Hill, PA, holding Series 63 and Series 65 credentials and nine years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2016 and previously worked with The Tax Ladies and Health Advocate. Outside of financial advising, she works as an Uber driver. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its investment services.

Magnus Olsson is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999. 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.

Kendrick Patterson is a financial advisor at Raymond James & Associates with six years of industry experience. He holds the Series 66 designation and has worked at several firms including Securian Financial Services and Delaware Valley Advisors. 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, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Sergio Iacovitti is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and 25 years of industry experience. His prior work includes multiple tenures at Wells Fargo Clearing and roles at TD Bank N.A. and TD Private Client Wealth LLC. 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 and employing over 14,000 financial advisors.

Jeffrey Hornberger is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill in 2021, he held various roles including positions at Heroic Public Speaking and Popcorn Packers Inc. Outside of his advisory work, he assists with business management and decision-making for a therapy services company founded by his fiancé. 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.

Bryan Milburn is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2019. Prior to his financial services career, he spent five years at Liberty Coca-Cola. 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 Grosso is a financial advisor with Merrill, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Merrill, he gained experience in marketing at Shoreline Media Marketing and held roles in academia at J.F. Oberlin University and Stevens Institute of Technology. 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 both model-based and discretionary strategies for a diverse clientele including individuals, high-net-worth clients, and charitable organizations.

Keith Garrison is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with 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 and profit-sharing plans, corporations, and charitable organizations.

Nadia Khan is a financial advisor with Merrill, holding a Series 66 credential and 12 years of industry experience. She has been with Merrill Lynch Pierce Fenner and Smith since 2011. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering various managed account programs, third-party manager selection, discretionary portfolio management, and brokerage services. The firm emphasizes tax-focused investment strategies and leverages its integration with Bank of America affiliates to support trading, lending, and capital-markets activities.