Louis Gorini is a Financial Advisor with Merrill Lynch Wealth Management, focusing on delivering tailored financial guidance to individuals and families. He collaborates closely with clients to define their goals and develop portfolio strategies aimed at achieving those objectives, providing ongoing advice and adapting plans as circumstances evolve. With expertise in areas including college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, and personal retirement planning, Louis supports clients through the complexities of wealth management. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Seton Hall University. Louis resides in Monmouth County and is engaged in his community. His personal interests include baseball, basketball, bowling, cooking, football, pickleball, spending time with his family, traveling, and watching movies.

Christopher Riley is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he focuses on providing personalized wealth management strategies. He has over 15 years of experience in the financial services industry, having started his career as a derivative specialist and market maker on the floor of the American Stock Exchange with Susquehanna International Group. He later worked with healthcare-related investment banks managing institutional relationships involving research, trading, and derivative strategies. Christopher holds a Bachelor's Degree from the University of Pennsylvania and holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His approach centers on building enduring personal relationships by delivering exceptional service and employing a goal-oriented and disciplined wealth management process tailored to adapt to changing economic conditions. He is a lifelong resident of Morristown and actively volunteers with organizations such as Friends of Foster Fields. Outside of work, Christopher enjoys outdoor activities including skiing and golf, and he is involved in charitable activities as well as supporting his alma maters, Delbarton School and the University of Pennsylvania.

Sumana Naik is a Financial Advisor with Merrill Lynch Wealth Management. She draws from her early career experience in institutional finance to provide clients with a broad perspective on the financial ecosystem, including insights into how deposits fuel lending, mortgages become investment products, and capital flows through markets. Naik emphasizes understanding and education, taking time to comprehend each client's financial picture and explaining the reasoning behind recommendations. She focuses on helping clients navigate financial decisions with clarity and confidence. Naik's client focus includes physicians, business owners, multigenerational families, and professionals seeking a trusted partner in corporate benefits, executive services, divorce transition planning, education and employee benefits planning, executive compensation, family wealth management strategies, legacy planning, women and wealth, and sports and entertainment sectors. She holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Maryland. Naik is proficient in English and Kannada. Outside of her professional role, Naik participates in community activities including the American Heart Association's Heart Ball Auction Committee, the Greater Pittsburgh Community Food Bank, and North Hills Community Outreach. She is a wife and mother of two and engages in personal interests such as cooking, dancing, football, gardening, golfing, music, running marathons, singing, spending time with family, and traveling.

Michael Law is a Wealth Management Advisor with Merrill Lynch Wealth Management, leading the Law & Associates Group. He has been in the financial services industry since 1986 and joined Merrill Lynch in 2000. Michael specializes in evaluating the comprehensive financial situations of high net worth clients and businesses, focusing on areas such as corporate executive services, divorce transition planning, and family wealth management strategies. Michael's expertise includes corporate benefit programs—such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans—and the integration of these benefits into long-term financial plans. He holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). He graduated from Brigham Young University with a bachelor's degree in Business Management. In addition to his professional work, Michael is engaged in community activities, serving on the board of the Tri-Lakes Chamber of Commerce and actively participating with the Colorado Springs Housing and Building Association.

Ryu Yi is a financial advisor at Merrill with Series 65 and Series 66 licenses and three years of industry experience. His prior work includes roles at Bank of America and Ameriprise Financial, as well as positions at Rice University and within the Nevada Education System. He is based in Houston, TX. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Ariel Croitoru is a financial advisor at Merrill based in Atlanta, GA, holding Series 63 and Series 66 credentials with five years of industry experience. His career includes roles at Bank of America and The Vanguard Group. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Anthony Sarullo is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. He works with professionals, executives, business owners, and families to help them make informed financial decisions and build long-term wealth. Anthony's approach focuses on understanding each client's unique priorities to develop personalized strategies in investment management, retirement planning, wealth accumulation, and legacy considerations. He offers expertise in areas including corporate benefits, divorce transition planning, employee benefits planning, equity compensation services, family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He holds a Bachelor's Degree from Union College and carries the Personal Investment Advisor (PIA) designation. Outside of his professional role, Anthony serves as a freshman football coach at Saint Peter's Prep in Jersey City and is involved with the Union College Football community.

Andrew Jarc serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 2011 and joined Merrill in April 2014. Prior to Merrill, Andrew worked with firms in New York and Columbus. His role includes responsibilities across the team's day-to-day operations, with a primary focus on business development and financial strategy design. Andrew holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification as well as the Certified Private Wealth Advisor® (CPWA®) designation, among other professional credentials. He earned a Bachelor's Degree in Business Administration with a specialization in Investment Finance from the Fisher College of Business at The Ohio State University. Born and raised in Loveland, Ohio, Andrew resides in Ft. Thomas with his wife, Alex, and their children. He and his family participate in the local community through involvement with organizations such as People Working Cooperatively and May We Help. His personal interests include golfing, music, reading, spending time with family, and traveling.

Anay Srivastava is a Financial Advisor and Portfolio Advisor with Merrill Lynch Wealth Management at the River Oaks office in Houston, Texas. In his role, he provides clients with guidance on investment objectives by recommending individual or combined strategies, funds, or portfolios from Merrill or approved third-party investment managers. His approach incorporates the latest market dynamics and economic trends, offering clients customized strategies that include a variety of financial instruments, risk management tools, and liquidity solutions. Anay focuses on client needs in asset accumulation, retirement income planning, capital preservation, volatility management, liquidity solutions, and legacy planning. Additionally, his clients have access to credit solutions from Bank of America and Merrill. Anay’s professional journey began as an institutional fixed income analyst, progressing into trading, portfolio management, and serving as trustee on securitized fixed income investments. This background helped him develop expertise in macroeconomics, investment mathematics, and market psychology. He holds a Bachelor of Science degree from the University of Gorakhpur in India and earned his MBA from the University of Texas at Austin’s McCombs School of Business. Anay is a Personal Investment Advisor (PIA) and is fluent in English, Hindi, Punjabi, and Urdu. Residing in Houston with his family for over 20 years, Anay brings a global perspective shaped by his experiences living in India, Canada, and the United States. Outside of his professional work, he enjoys watching tennis, soccer, and cricket matches.

Shelley Conine is a financial advisor at Merrill with 12 years of industry experience and holds the Series 66 designation. She has worked at Merrill since 2016 and at Bank of America, N.A. since 2017, following two years at AllState Insurance Company. 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 accounts.

Clay Triplett Jr. is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has been affiliated with Merrill since 2011 and Bank of America, N.A. since 2013. 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.

Eileen O'Donnell is a financial advisor at Merrill with 23 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2011. 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.

Kristen Geno is a financial advisor with Merrill in Myrtle Beach, SC, holding a Series 66 designation and four years of industry experience. She has worked at Merrill since 2021 and previously spent sixteen years at Bank of America. 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, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Jacob Heitzner is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and previously worked at Crestron Electronics and attended 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tien Sun is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Atlanta and serving clients nationwide. With a decade of industry experience, Tien specializes in helping high-income professionals, entrepreneurs, and emerging wealth builders translate financial success into intentional, lasting wealth. His approach integrates investment strategy, tax-aware planning, and legacy considerations, guiding clients through pivotal moments such as business exits, liquidity events, and divorce. He collaborates closely with clients' CPAs and attorneys to maintain alignment across all aspects of financial planning. Tien holds a bachelor's degree in finance and international management from the University of Massachusetts, Boston. He is a Certified Divorce Financial Analyst (CDFA) and a Personal Investment Advisor (PIA). He is a member of several professional organizations including the Asian Leadership Network (ALN) of Bank of America, the Institute for Divorce Financial Analysts (IDFA), the National Association of Chinese Americans (NACA), and the National Association of Women Business Owners (NAWBO). Outside of his professional work, Tien enjoys spending time with his three children and his husky. He is involved in his local community through organizations such as ALN, NACA, and NAWBO/Women's Exchange affiliated with Merrill and Bank of America. His personal interests include drawing, hiking, music, reading, rock climbing, traveling, watching movies, and yoga.

Martin Sheehan is a financial advisor at Merrill with Series 63 and Series 66 credentials and five years of industry experience. He has worked at Merrill since 2020 and previously held roles at Citizens Private Wealth and Citizens Bank. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Terry Roberts is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and four years of industry experience. His prior experience includes roles at Bank of America, J.P. Morgan Securities, and Fidelity Investments. He served in the United States Army for 14 years. 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.

Stephen Bernardi is a financial advisor with Merrill, holding a Series 66 designation and 25 years of industry experience. He has been with Merrill since 2009 and has also been associated with Bank of America, N.A. since 2007. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Shani Crookshanks serves as an Associate Resident Director at Merrill, where she assists clients in creating comprehensive, goals-based financial plans tailored to their individual needs, risk tolerances, and time horizons. She focuses on helping clients align their strategies with evolving circumstances to provide confidence and freedom in managing their wealth. With a background spanning 23 years in the produce industry, Shani applies her experience in goal setting, strategy, information sourcing, and consistent execution to her financial advisory role. Her six years of childhood living in South America have contributed to her appreciation of diverse perspectives and an adventurous spirit. Shani holds a Bachelor's Degree from Arizona State University and a Master of Business Administration (MBA) from the Thunderbird School of Global Management. She has earned the Personal Investment Advisor (PIA) designation and is fluent in both Spanish and English. Her professional affiliations include active participation and an officer role in the Tulare County Historical Society, as well as membership in the Tulare Kings County Estate Planning Council. Outside of her professional pursuits, Shani enjoys cooking, gardening, genealogy, golfing, knitting and crocheting, scrapbooking, spending time with family, traveling, and practicing yoga. Her philosophy emphasizes connecting all aspects of clients' financial lives to prioritize and pursue their most important goals.

Anne Fallon is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has worked at Bank of America N.A., Merrill, and Bank of America Merrill Lynch since 2013. 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 with model-based and discretionary investment strategies developed by internal and third-party managers.