Lauren Leith is a financial advisor with Merrill in Omaha, NE, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill in 2023, she has worked in various roles including as an event performer at Universal Orlando Resort, where she participated in seasonal Halloween Horror Nights. 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.

Christian Cruz is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving families in the Los Angeles and Orange County areas. He works closely with clients including business owners, executives, and teachers, developing customized financial strategies that encompass investment and retirement planning, liability management, debt consolidation, and legacy planning. Christian collaborates with clients' CPAs and attorneys to align tax-minimization and estate planning strategies, and leverages resources such as Bank of America N.A. for residential and securities-based lending. He utilizes guidance from the firm's Chief Investment Office and award-winning research to diversify portfolios with equities, bonds, cash, and alternative investments while considering tax consequences. Christian adapts his communication approach to client preferences and meets with clients in various settings including homes, businesses, or his office. Christian holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, the Accredited Wealth Management Advisor™ (AWMA™) designation, and the Chartered Retirement Planning Counselor™ (CRPC™) designation. He earned a Bachelor of Business Administration degree from California State University, Los Angeles. His career began at Washington Mutual in 2006 before joining Merrill Lynch in 2012. Raised in a lower-income family in Southern California, Christian's interest in wealth management was influenced by a mentor during his high school soccer years. Outside of work, he holds a Black Belt in Brazilian Jiu Jitsu and enjoys spending time with his wife Evelyn, their children Olivia and Enzo, and their dog Loki.

John Rangel Marte is a financial advisor at Merrill with Series 63 and Series 66 licenses and less than one year of industry experience. His prior work includes roles at FabNewport and Hammetts Hotel, where he is currently also involved. 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 charitable organizations.

Daniel Pham is a financial advisor at Merrill in Charlotte, NC, holding Series 63 and Series 65 licenses with one year of industry experience. His work history includes positions at Bank of America, Merrill, DYSIS, Wells Fargo Clearing Services, and other firms dating back to 2019. 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 and profit-sharing plans, corporations, and charitable organizations.

Scott Harrison is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Merrill since 2009. He has also been affiliated with Bank of America, N.A. since 2006. Harrison is registered with Series 63 and Series 66 licenses and is based in San Francisco, CA. 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.

Kevin Beckwith is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on helping clients connect all aspects of their financial lives to prioritize and pursue goals that matter most to them. Kevin's experience gained throughout his career at Merrill directly applies to managing risk and navigating today's complex market environment. His expertise includes college education planning, family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Kevin holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Stetson University. Kevin is active in his church, family, and community. He participates in Wesley Monumental United Methodist Church and has personal interests that include adventure sports, music, and running.

Jason Sturgis is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Bank of America and Merrill since 2019, with prior roles at Comporium, Verizon Wireless, STS Foundation, and Navitas at Florida Atlantic 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Johanna Guzman is a financial advisor with Merrill in Amarillo, TX, holding a Series 66 designation and three years of industry experience. She has been with Merrill for 14 years, beginning her career there in 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Annie Louie is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2016, following brief tenures at Morgan Stanley and Charles Schwab. Outside of her advisory role, she is the sole owner of a rental property business. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, and institutional investors.

David Conrad is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 1996, he has served in various leadership roles including Market Executive positions for the North Metro Detroit Market, the Chicago North Market, and the Boca Tropics Market. He has over 30 years of experience in the financial services and wealth management industry. David uses a holistic goals-based planning approach to provide customized wealth management strategies and investment advice. His expertise encompasses corporate executive services, family wealth management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, investment strategy, tax minimization, and retirement income. He holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), Certified Exit Planning Advisor (CEPA), Chartered Financial Consultant® (ChFC®), and Chartered Life Underwriter® (CLU®). David earned a Bachelor's degree in Business Administration with a major in Marketing from Western Illinois University and a Master's degree in Business Administration from Loyola University Chicago. He serves on the Board of Directors of Student Aces, a Palm Beach County organization focused on character and leadership development for high school student athletes. David lives in Delray Beach, Florida with his wife Jen and their three children. His personal interests include cooking, football, golfing, spending time with family, and traveling.

Victor Altadonna is a Financial Advisor and partner of a wealth management group in the Philadelphia area, where he works with affluent individuals and families to address their financial goals and streamline their wealth management services. He provides guidance in areas including tax, estate, and education planning, with a focus on helping clients preserve and grow their wealth. Victor's areas of expertise include family wealth management strategies, institutional and corporate benefit services, portfolio management services, small business strategies, and individual and corporate investment strategy. Victor holds a Bachelor of Science degree from Pennsylvania State University and has earned several professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Accredited Wealth Management Advisor (AWMA), and Personal Investment Advisor (PIA). He is committed to ongoing professional education to stay informed about market changes and new opportunities for his clients. His approach emphasizes personalized financial strategies tailored to individual goals. Outside of his professional work, Victor is involved with the Ed Snider Youth Hockey & Education program and enjoys spending time with his wife Jamie and son Dominic. His personal interests include fishing, golfing, hiking, and scuba diving.

Mary Condon Moore is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch for over 30 years, providing wealth management recommendations to affluent individuals and families, corporate executives, business owners, and nonprofit organizations. Mary focuses on helping clients reach their financial goals by carefully determining investment objectives and developing appropriate asset allocations. She specializes in areas including education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, and retirement income. Mary is a graduate of Clemson University and holds the Personal Investment Advisor (PIA) designation. She is actively involved in her community, particularly through her participation with Bishop England High School and Christ Our King Church. Mary's extensive experience and commitment to client goals reflect her professional approach to financial advising. Outside of her professional life, Mary enjoys spending time with her family, boating, fishing, golfing, reading, and traveling.

Franklin Breazeale III is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over 30 years of experience in the financial services industry. He joined Merrill Lynch in 2011 and provides personalized wealth planning, integrating corporate benefit programs such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans into long-term financial strategies. His client base includes affluent individuals, couples, and families across Texas and various locations nationwide. Frank holds a bachelor's degree in business administration from The University of Texas at Austin and a master's degree with a concentration in finance from Baylor University. He has earned several professional designations including Chartered Retirement Planning Counselor (CRPC), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). These credentials reflect his focus on estate planning services, investments, executive compensation, and liquidity strategies. Engaged in his community, Franklin supports local organizations such as Easter Seals and participates in the deep-seated Merrill tradition of community involvement. Outside of his professional work, he enjoys outdoor activities including running, golf, basketball, fishing, football, hiking, hunting, music, and spending time with his wife and two daughters in Kingwood.

Gareth Prescott is a financial advisor at Merrill with Series 63 and Series 66 credentials and five years of industry experience. His previous roles include positions at Equitable Advisors, BancFirst, and Texas A&M University Health Science Center. 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.

Yixuan Wei is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to create personalized financial strategies that align with their long-term goals, risk tolerance, and life transitions. He provides advice and guidance to help clients develop strategies tailored to their needs, considering factors such as risk tolerance, time horizon, and liquidity requirements. With over seven years of experience in investment research and wealth management, Yixuan's expertise includes college education planning, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, and tax minimization. Fluent in English and Chinese, he is committed to building trusted, long-term relationships with his clients. Yixuan holds a Bachelor's and a Master's degree from Washington University in St. Louis. In his personal time, he enjoys golfing, soccer, spending time with his family, and traveling.

Thomas Tansey is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His prior work includes roles at MBSC Securities Corporation/BNY Mellon, Merrill, and Wells Fargo Clearing. 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.

Catalina Delgado Ascencio is a Series 66 licensed financial advisor with Merrill, based in Cerritos, CA. She has six years of industry experience and has been affiliated with Merrill and Bank of America, N.A. since 2011. Merrill, together 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 and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

David Jaramillo is a financial advisor at Merrill with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2020. His prior experience includes roles at JPMorgan Securities LLC, JPMorgan Chase Bank, N.A., Indus Investments LLC, and FinDeter. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Seung Hwan Oh is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in guiding families through financial decisions and creating strategies to pursue their financial goals. His role includes providing personalized investment strategies, retirement income planning, and managing legacy and philanthropic planning among other wealth management services. Seung Hwan's expertise encompasses areas such as corporate executive services, family wealth management strategies, liquidity management, socially responsible and ESG investing, and portfolio management services. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's degree from Pratt Institute and a Master's degree from Cornell University. Outside of his professional role, Seung Hwan enjoys camping, cooking, drawing or sketching, spending time with his family, and traveling.

Kevin Mullen is a financial advisor with Merrill, holding a Series 66 designation and 12 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2014. Merrill, together with Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations. The firm combines internal Chief Investment Office teams and third-party managers to implement tailored investment solutions.