Yenny Cesse Perdomo is a Financial Advisor at Merrill Lynch Wealth Management, specializing in personal retirement planning, women and wealth, and retirement income strategies. She focuses on helping individuals and families build and protect their wealth through clear communication and tailored advice. Yenny guides clients to make confident and informed financial decisions that align with their goals by simplifying complex financial concepts and empowering them to take control of their financial future. Yenny holds a Bachelor's Degree from Florida International University and maintains professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in both English and Spanish, she brings expertise in financial planning and investment needs to her role. Outside of her professional work, Yenny’s personal interests include adventure sports, biking, dancing, ice hockey, reading, traveling, watching movies, and writing.

Curtis Miller is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he works directly with clients to develop personalized financial strategies aimed at supporting their long-term goals. Curtis holds a Bachelor's Degree from SUNY at Albany and has earned the Personal Investment Advisor (PIA) designation. His approach emphasizes collaboration, tailoring financial plans to the individual needs of each client. Outside of his professional responsibilities, Curtis enjoys adventure sports, biking, and spending time with his family.

Katarzyna Merrill is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2021, following four years at Morgan Stanley. Prior to her financial services career, she had roles outside the industry including positions at New Country Lexus of Latham and Latham '76 Diner. 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 plans, corporations, and charitable organizations.

Michael Coleman is a Wealth Management Advisor engaged in providing tailored financial guidance. He focuses on building strong client relationships to deliver customized wealth management advice and personalized service. By working closely with clients, he develops investment strategies that align with their individual objectives, ensuring a clear understanding of the associated risks and rewards. He holds multiple professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). Michael earned a Bachelor of Science degree in Economics from Siena College.

Jonathan Turnock is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. He has worked at Bank of America and Merrill since 2015. Outside of his advisory role, he serves as a board member for the Niskayuna Soccer Club, where he helps organize teams and plan soccer activities. 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 plans, corporations, and charitable organizations.

Michael Wheeler is a Wealth Management Advisor with Merrill Lynch Wealth Management. He follows a disciplined process that begins with taking the time to understand clients, their families, financial situations, and what matters most to them. This approach reflects his belief that advising is not just about markets and returns, but about aligning financial planning with clients' life priorities. Michael’s areas of expertise include managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael earned a Bachelor's Degree from the University of Rochester. He emphasizes collaboration with clients to create personalized plans tailored to their goals and aspirations.

Zachary Haggas is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he leads the H Group. Since joining Merrill Lynch in 2012, he has developed strategies for high-net-worth individuals, their families, and businesses to help them pursue their short- and long-term financial goals. Prior to his current role, Zach gained experience in marketing, sales, and financial education in various wealth management firms before building his own team. He also serves as a member of Merrill's Council of Technology Champions, a divisional speaker, national trainer, and head of the training program for the New York Capital Central Complex. Zach's work involves thorough analysis of clients' assets, including company savings plans, IRAs, Roth accounts, pensions, employee benefits, and brokerage accounts, as well as cash management, spending, and goal structuring. He offers services such as tax minimization strategies and assists clients with estate planning in collaboration with legal advisors. His expertise spans areas such as pre-retirement financial analysis, transition and severance planning, retirement income planning, estate planning strategies, and insurance and long-term care strategies. He holds the Personal Investment Advisor (PIA) designation. Raised in Whitesboro, New York, Zach graduated from Siena College with a bachelor's degree in finance. He is a member of the Fort Orange Club and participates in community organizations including the Charity Motor Club formerly Mohawk Valley Lunch Club, the Saratoga Automobile Museum, and The Prevention Council of Saratoga County. Zach resides in Albany, New York, and in his free time, enjoys reading, writing, spending time with family, and maintaining a focus on healthy living.

Sean Mannis is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping executives, business owners, and their families simplify their financial lives through clear and structured processes, providing confidence and clarity in every financial decision. His expertise encompasses retirement planning, estate coordination, investment management, equity compensation, and philanthropic strategies. Born and raised in the Capital Region, Sean attended La Salle Institute and Siena College before beginning his career in financial services. He holds the Personal Investment Advisor (PIA) designation. Sean is committed to delivering comprehensive financial solutions that address the full spectrum of his clients' needs. Sean is grounded by his family, including his wife and three children. Outside of work, he enjoys baseball, football, golfing, hiking, ice hockey, tennis, woodworking, and spending time with his family.

Valerie Rhodes is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of The Clore-Kelly Group since 2011. She transitioned into the role of Financial Advisor in August 2019 after serving as a Client Associate, where she contributed to client service and support. Valerie manages various aspects of client service and focuses on areas including family wealth management strategies, liquidity management, retirement planning, and socially responsible investing. Valerie holds a bachelor's degree in management with a marketing concentration and an accounting minor from St. John Fisher College, as well as a Juris Doctorate from Albany Law School. She holds the Personal Investment Advisor (PIA) designation. In addition to her professional activities, Valerie has served on the boards of Girls on The Run Capital Region and Albany Leadership Charter School for Girls and has participated in the New York State Mentoring Program. Outside of her professional and community roles, Valerie enjoys running, including marathon running, traveling, and spending time with her family. She also has an interest in music.

Colin Tidings is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial advisory services to clients, helping them manage their wealth and achieve their financial goals. His work focuses on delivering tailored financial strategies within the framework of Merrill Lynch's offerings. Through this, he supports clients in a variety of financial planning and investment needs.

Jennifer Nolan is a Senior Financial Advisor at Merrill Lynch Wealth Management. She provides financial advisory services, leveraging her expertise in wealth management to support her clients' investment goals. Jennifer holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Villanova University.

Donna Burnett is a financial advisor at Merrill with 12 years at the firm and a total of 10 years of industry experience. She holds Series 63 and Series 66 designations and is based in Albany, NY. 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 with model-based and discretionary investment strategies.

Daniel Galvin is a financial advisor at Merrill with 31 years of industry experience. He has worked at Merrill since 2009 and holds the Series 63 and Series 65 designations. Outside of his advisory role, he owns rental property in Sioux Falls, SD. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering both model-based and discretionary investment strategies.

Kevin Wendoloski is a financial advisor with Merrill and holds a Series 66 designation. He has 11 years of experience with Merrill and 2 years at Bank of America, N.A. Outside of his advisory role, he performs music occasionally at a local restaurant in Saratoga Springs, NY. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Dolfi is a financial advisor at Merrill with Series 63 and Series 65 credentials and 40 years of industry experience. He has worked at Merrill since 1985 and at Bank of America, N.A. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies designed by internal and third-party investment teams.

Frank Alvarez is a Financial Advisor with Merrill Lynch Wealth Management based in Albany, NY. He serves technology and engineering professionals, executives, and retirees across the Capital Region. His work focuses on equity compensation, employer benefits, and retirement income planning. Alvarez applies a methodical approach to financial planning, emphasizing defined inputs, tested assumptions, and well-structured plans. He engages closely with clients to understand their priorities and develop strategies tailored to their goals, covering areas such as general investing, retirement planning, and preparing for unforeseen circumstances. He holds a Bachelor's Degree from Siena College and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

Derek Nolan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds the professional designations of Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). Derek earned a Bachelor's Degree from Georgetown University. His professional focus is on providing wealth management services to clients.

Stephen Stewart is a Series 66-licensed financial advisor at Merrill with three years of industry experience. He has worked at Merrill since 2022 and previously held roles at Bank of America from 2019 to 2022. 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.

Harold Connolly is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been employed since May 1989. His areas of expertise include family wealth management strategies, personal retirement planning, and portfolio management services. Mr. Connolly holds a bachelor's degree in economics from The State University of New York at Albany. He has earned several professional designations, including Certified Investment Management Analyst® (CIMA®) awarded by the Investments & Wealth Institute™, Chartered Retirement Planning Counselor® (CRPC®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his professional work, he follows Merrill Lynch’s tradition of community involvement, dedicating time to volunteer with organizations within the communities he serves.

Douglas Parks is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leverages the investment insights of Merrill Lynch and the banking services of Bank of America to assist clients in developing comprehensive financial strategies. Douglas works closely with each client's network of professionals, including attorneys and accountants, to provide financial advice aligned with their overall situations and objectives. His areas of expertise include goals-based wealth planning, pre-retirement financial analysis, transition and severance planning, retirement income planning, estate planning strategies, and insurance and long-term care strategies. Douglas focuses on helping clients pursue their financial goals related to employee benefits planning, executive compensation, family wealth management, liquidity management, small business strategies, tax minimization, and retirement income. Douglas holds a Bachelor's Degree from Florida State University and the Personal Investment Advisor (PIA) designation. He is fluent in Korean and English. Committed to community involvement, he participates in organizations such as 15 Love, Junior Achievement - Financial Literacy, and USTA Junior Team Tennis. In his personal time, Douglas enjoys adventure sports, basketball, biking, boating, football, golfing, hiking, spending time with his family, tennis, and watching movies.

John Cornell Jr. is a financial advisor at Merrill with 26 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. Outside of his advisory role, he is involved in equestrian activities through ownership and management of several horse-related LLCs. 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.

Paul Stento is a Series 66 licensed advisor with Merrill in Albany, NY, and has 23 years of industry experience. He has worked with Merrill Lynch since 2003 and with Bank of America, N.A. 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. The firm offers model-based and discretionary investment strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eric Besaw is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Charles Schwab, TD Ameritrade, and Scottrade. Outside of his advisory work, he serves as a committee member for the Merrimack River Feline Rescue Society and owns Bluebird Acre Farm LLC, a nursery and agriculture business focused on growing fruit and nut trees and shrubs. Merrill 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 institutions.

Athanasios Liapis is a Team Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2015. He specializes in retirement planning and relationship management, leveraging his credentials as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Athanasios holds a Bachelor's Degree in Business Economics from SUNY Oneonta. His expertise includes family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, and retirement income. He focuses on connecting clients to tailored plans and processes that align with their unique goals and priorities. Residing in Coxsackie, NY with his wife and two children, Athanasios is an avid New York sports fan and participates actively in his local community. He enjoys baseball, football, reading, skiing, and soccer.

Melisa Boel is a Financial Advisor with Merrill Lynch Wealth Management. She focuses on connecting clients to tailored plans and processes that align with their unique financial ambitions. Her work includes helping clients plan for funding children’s education, retirement lifestyle and potential healthcare expenses, as well as creating personalized strategies to achieve long-term family goals. Melisa emphasizes simplicity and transparency in wealth planning to make the investment process manageable and goal-oriented. Her client focus areas encompass corporate benefits, executive services, divorce transition planning, employee benefits planning, executive compensation, equity compensation services, family wealth management strategies, institutional and corporate benefit services, personal retirement planning, and portfolio management services. Melisa is committed to addressing each client’s personal perspectives and priorities to deliver disciplined and customized wealth strategies. Melisa holds a Bachelor’s degree from Bowdoin College and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations.

James O'Connor is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1988 and Bank of America, N.A. since 2009. 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.

Amanda Kowalski is a financial advisor at Merrill with 24 years of industry experience. She has been with Merrill since 2004 and holds the Series 63 and Series 66 designations. Outside of her advisory role, she serves as a trustee for a family trust in Albany, 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Zachery Freire is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he joined in July 2018. As a partner on The H Group, he focuses on working with business owners, executives, and first generation wealth creators primarily in the Capital Region and Greater New York City area. He applies his expertise to areas such as corporate benefits, executive compensation, equity compensation services, family wealth management strategies, liquidity management, philanthropic planning, portfolio management services, tax minimization, and retirement income. Zachery holds a bachelor's degree from St. Lawrence University and has earned several professional designations including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also affiliated with the United States Army 86th IBCT - 19D and is a US Army Veteran. Community involvement is important to Zachery, exemplified by his volunteering and fundraising efforts for organizations such as the Veteran Connect Center. In his personal time, he enjoys activities including cooking, hunting, reading, rock climbing, running, and swimming.

Mary Anthony is a financial advisor at Merrill with Series 63 and Series 65 designations and 39 years of industry experience. She has been with Merrill since 2014. 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, pension plans, corporations, and charitable organizations.

Matteo Curto is a Financial Advisor affiliated with Merrill Lynch Wealth Management. Raised in New York's capital region within a second-generation Italian American family, Matteo spent his early years working in his family's restaurant in Lake George. His experiences observing the challenges faced by small business owners and real estate investors influenced his career path towards financial advising. Matteo holds a Bachelor's Degree in Finance from Siena College, with a minor in Entrepreneurship and a concentration in Real Estate Investing. He offers expertise in areas including legacy planning, liquidity management, portfolio management, small business strategies, socially responsible investing, tax minimization, and retirement income. He is dedicated to empowering investors to diversify their portfolios, particularly guiding real estate investors and small business owners to integrate market investments with their core endeavors for sustainable growth. Outside of his professional work, Matteo enjoys football, golfing, reading, soccer, spending time with his family, and traveling. He holds the Personal Investment Advisor (PIA) designation.

Barbara Chizniak is a financial advisor at Merrill with 12 years of industry experience, holding Series 63 and Series 66 designations. She has been with Merrill since 2016. Outside of her advisory role, she serves as an advisory board member for Girls Inc. of the Greater Capital Region, a charitable organization in Schenectady, 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ginger Renwick is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been with Merrill 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Allison Davies is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2021. Her prior experience includes roles at Stratos Wealth Partners, Holistic Wealth Advisors, Capital Financial Planning LLC, LPL Financial, and Murdock Abstract Corporation. 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 Gipson Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management in Mt. Kisco, NY. He began his career in 2007 following the completion of a Master's Degree from St. John's University. His professional experience includes work at Forex Capital Markets, where he focused on compliance and led regulatory audits for international branch offices. In 2009, he joined Morgan Stanley on a wealth management team, implementing tactical investment management strategies aimed at maximizing returns and reducing volatility. Thomas holds a Bachelor's Degree from St. Lawrence University and a Master's Degree from St. John's University. He has earned multiple professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise spans areas such as college education planning, divorce transition planning, family wealth management strategies, and retirement income planning. Born in Brooklyn, NY, Thomas spent his formative years in the Adirondacks and graduated from Lake George High School. He is married to Jessica, whom he met at St. Lawrence University, and together they have two children. Outside of his professional role, Thomas enjoys baseball, football, golfing, ice hockey, reading, and spending time with his family.

Salvatore Salerno is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies that align with each client's unique financial goals and priorities. Salvatore emphasizes a disciplined and thoughtful approach to investment planning, aiming to build flexible plans that address changing market conditions and economic uncertainties. With a focus on clear communication, Salvatore helps clients understand their investment decisions to foster confidence throughout the financial planning process. He holds the Personal Investment Advisor (PIA) designation and earned his bachelor's degree from Syracuse University. Outside of his professional work, Salvatore has personal interests that include basketball, cooking, football, golfing, hiking, pickleball, skiing, tennis, traveling, and volleyball.

Georgia Kelly is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she oversees and coordinates financial affairs for families, retirees, corporate executives, business owners, and nonprofit organizations. She began her career on Wall Street 39 years ago and has dedicated herself to providing thoughtful, personalized financial analysis and planning to meet each client's unique needs. Georgia serves as a Senior Vice President, Senior Financial Advisor, and Portfolio Manager, holding designations including Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor®. Georgia's expertise spans family wealth management strategies, retirement planning, portfolio management, and services tailored for endowments, foundations, and nonprofits. She has contributed over three years to training and educating emerging financial advisors within her firm and actively delivers financial literacy programs such as Bank of America's Better Money Habits to the community. Additionally, she is involved with the Fort Orange Club as a trustee and is a member and innovator on the Women@Work advisory board. A graduate of Syracuse University with a bachelor's degree in Marketing and Business Administration, Georgia has played leadership roles in nonprofit organizations and community initiatives, including co-founding the Annual Links to Leadership Charity Golf Day & Clinic to support women and girls. Her personal interests include boating, gardening, golfing, interior decorating, traveling, spending time with family, and watching movies.

Jayson Tanzman is a Senior Financial Advisor at Merrill Lynch Wealth Management. With a career spanning over 21 years, Jayson focuses on providing personalized financial analysis and planning to a diverse client base including families, retirees, corporate executives, entrepreneurs, and nonprofit organizations. His approach centers on understanding each client's unique needs to help them pursue and achieve their financial and life goals. Jayson holds the Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He earned a bachelor's degree from the University of Hartford. His experience includes advising on multi-generational and philanthropic needs, which complements his involvement in the nonprofit sector. Jayson is a 25-year member of the Rotary Club of Pittsfield and a Paul Harris Fellow. He serves on the board of the Berkshire Humane Society and has previously served on boards of several local organizations. Residing in Pittsfield with his wife and two daughters, Jayson enjoys golfing and playing hockey. He maintains a commitment to community participation consistent with Merrill’s tradition of service.

Dylan Corapi is a Financial Advisor at Merrill Lynch Wealth Management based in New York. He works with individuals and families during pivotal moments in their financial lives, such as retirement, liquidity events, inheritances, and long-term planning. Dylan's approach centers on simplifying complex financial decisions and providing structure, clarity, and confidence throughout the financial journey. He aims to help clients uncover what matters to them and their families to develop strategies aligned with their financial goals. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Siena College.

Michael Swezey is a financial advisor based in Albany, NY, affiliated with Merrill. He holds Series 63 and Series 65 licenses and has 32 years of industry experience. He has worked at Merrill since 1993 and has been with Bank of America, N.A. 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. 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 Marinelli is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. His prior work includes roles at Bank of America, JPMorgan Chase Bank, and J.P. Morgan Securities LLC. He also has experience running Jim Marinelli Contracting LLC, a business he operated for several 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.

Joseph Smith is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping individuals and families bring clarity and coordination to their financial lives by providing investment strategy, risk management, cash-flow and liquidity planning, and coordination with tax, estate, and legal professionals. Joseph has a strong foundation in financial analysis, strategic planning, risk management, and relationship building. He is skilled at translating complex financial information into clear, practical guidance, tailoring his approach to each client's circumstances, priorities, and long-term goals. His philosophy centers on clear guidance, open communication, and disciplined follow-through to help clients make informed decisions with confidence. He holds a Bachelor's Degree from LeMoyne College and a Master's Degree from Rensselaer Polytechnic Institute. Joseph also has the Personal Investment Advisor (PIA) designation. He is involved in community events and has personal interests in basketball, cooking, football, gardening, golfing, reading, and spending time with his family.

Michael Barnes is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on developing personalized financial strategies to help clients pursue their long-term goals through one-on-one collaboration. His areas of expertise include college education planning, family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, retirement income, and services for endowments, foundations, and non-profits. Michael holds a Bachelor's Degree from SUNY Oneonta and has earned the designation of Personal Investment Advisor (PIA). He follows Merrill’s tradition of community involvement, dedicating time to volunteering with local organizations. Through his role, he provides clients access to Merrill’s investment insights along with the banking and lending solutions of Bank of America.

John Rahe is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2022, following eight years at Bank of America, NA. Outside of his advisory role, Rahe owns and manages rental properties in Kingston, NY. 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.

William Hazelton is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has more than 30 years of experience in the financial services industry, having started his career in institutional fixed income trading and sales, where he advised small to mid-sized money managers and insurance companies. Since joining Merrill Lynch in 2005, he has worked closely with clients to develop customized equity and fixed income portfolio strategies, emphasizing disciplined risk management and long-term relationships. William holds several professional designations, including the Certified Investment Management Analyst (CIMA) certification earned after completing the educational component at The Wharton School of The University of Pennsylvania. He also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He earned his bachelor's degree from Gettysburg College. Outside his professional work, William is a licensed New York State Emergency Medical Technician and volunteers with the Ballston Lake Emergency Squad. He enjoys staying active, spending time with his family, and pursuing interests such as fitness, hunting, and fishing.

Robert Lilley Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 1996. He holds a Bachelor's Degree in Business/Finance from the State University of New York and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation awarded by the Certified Financial Planner Board of Standards Inc. In addition, he holds the designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Robert focuses on guiding individuals, families, and businesses in areas such as family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. He also serves as a Portfolio Manager within Merrill Lynch's Investment Advisory Program, managing personalized strategies that may include individual stocks, bonds, model portfolios, and third-party investment strategies. He lives in Delmar, NY with his wife Maura and their children. Outside of work, Robert enjoys cooking, golfing, reading, and traveling. He has previously served as a Trustee for the Albany Institute of History and Art. Robert has been recognized by Forbes as a "Best-in-State Wealth Advisor" from 2023 to 2026.