Danielle Ligon is a financial advisor at Merrill with 22 years of industry experience. She holds a Series 66 designation and has been with Bank of America and Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2014. 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.

Olivia Mc Gowan is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill in 2022, she worked at Stanley Black and Decker, Inc and held various positions in public sector roles and retail organizations. She has been involved with Color Street, a direct sales company, since 2019. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Vincenzo Russo is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In this role, he provides personalized guidance to clients, focusing on building trust and helping them pursue their financial goals through strategic planning. His services include retirement planning, investment guidance, asset consolidation strategies, and supporting clients in navigating financial decisions. He holds a Bachelor's Degree from Michigan State University and has earned the Personal Investment Advisor (PIA) designation. Vincenzo's approach emphasizes understanding clients' priorities and simplifying complex financial concepts into actionable plans. Outside of his professional work, Vincenzo's interests include basketball, boating, bowling, pickleball, and running.

Douglas Johnson 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 JPMorgan Chase Bank and J.P. Morgan Securities. Outside of his advisory role, he serves in the U.S. Naval Reserves, participating in monthly training and annual mobilization exercises. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kristina Abro is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been with Merrill since 2012, following her graduation from Central Michigan University. In her role, Kristina employs a comprehensive approach to asset and liability management, focusing on creating personalized wealth management strategies tailored to each client's unique financial picture and goals. Her expertise covers a range of client focus areas including college education planning, divorce transition planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, small business strategies, women and wealth, tax minimization, and retirement income. Kristina holds the designation of Personal Investment Advisor (PIA), reflecting her professional qualifications in the financial sector. Kristina is also engaged in community involvement, following Merrill's tradition of service by volunteering with local organizations. Outside of her professional work, her personal interests include cooking, reading, skiing, watching movies, and practicing yoga.

Sarah Riedel is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2020. Her early career includes multiple roles at the University of Michigan and positions in financial services and law firms. 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.

Brian Higgins is a financial advisor with Merrill in Auburn Hills, MI, holding Series 63 and Series 66 registrations and 43 years of industry experience. He has been with Merrill since 1977 and has also worked with Bank of America since 2009. Outside of his advisory work, he serves in a power of attorney capacity for a non-investment-related entity. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment management includes multiple program strategies and extensive manager-constructed offerings, supported by integration with Bank of America’s broader banking and capital markets platform.

Kyle Johnson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Team Fioroni at Merrill in 2015 after graduating from Central Michigan University with a Bachelor of Science degree in Personal Financial Planning. Kyle holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kyle’s expertise spans executive compensation, family wealth management strategies, defined benefit and contribution plans, legacy and philanthropic planning, portfolio management, small business strategies, and special needs planning. As a CERTIFIED FINANCIAL PLANNER™, he is dedicated to providing clear, practical financial guidance to help clients build security and confidently navigate complex financial decisions. Prior to joining Merrill, Kyle gained industry experience as an Associate Financial Representative at Northwestern Mutual and co-founded the Future Financial Advisors Association at Central Michigan University. In addition to his professional work, Kyle is actively involved in his community. He is a board member at the Meadowbrook Center for Learning Differences and has served as a presidential nominee for the Rochester Rotary Club. Outside of work, he enjoys biking, skiing, soccer, swimming, watching movies, and spending time with his family.

Nicholas Fioroni is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with executives, entrepreneurs, and multigenerational families to help simplify financial decisions, focusing on areas such as family wealth management strategies, services for defined benefit plans, managing new wealth, and socially responsible, values-based, and ESG investing. At Merrill, Nicholas is part of a team dedicated to comprehensive wealth management, involved in retirement planning, business transitions, legacy strategies, and complex lending. Nicholas began his career in financial advising in 2013 at Merrill. Before joining his current team, he held positions as a project coordinator and quality engineer at Caterpillar. He earned a Bachelor of Science degree in Mechanical Engineering from Kettering University. His professional credentials include the designations of Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Nicholas enjoys adventure sports such as skydiving, mountain biking, white water rafting, and playing organized sports. He also engages in activities like biking, cooking, hiking, skiing, traveling, and woodworking.

Antonio Bugli is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on areas such as Legacy Planning, Managing New Wealth, Personal Retirement Planning, Tax Minimization, and Retirement Income. Antonio holds the Professional Investment Advisor (PIA) designation. Outside of his professional work, he enjoys football, golfing, hiking, hunting, pickleball, spending time with his family, and traveling.

William Schmidt is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth management for individuals and their families. He works closely with clients to develop personalized financial strategies aimed at helping them achieve their long-term goals. Drawing on the investment insights of Merrill and the banking capabilities of Bank of America, he provides tailored advice across a broad range of areas including college education planning, executive and equity compensation, family wealth management, legacy and liquidity planning, retirement income, and tax minimization. Mr. Schmidt holds a Bachelor's degree in Economics from Miami University, with minors in Management and Latin American Studies. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Committed to community involvement, he volunteers with organizations such as Teach on the Beach and Racquet Up Detroit and is a member of the Detroit Athletic Club. He resides in Royal Oak, MI, with his wife and two rescue dogs, and in his free time enjoys cooking, fishing, golfing, photography, skiing, and traveling.

Samantha White is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2021, following a one-year tenure at UWM. Prior to her advisory career, she worked at Chili's for five 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Hollis is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. In his role, he works closely with individuals and business owners to develop personalized financial strategies, focusing on areas such as portfolio construction, retirement planning, legacy planning, liquidity management, and tax minimization. Matthew emphasizes risk minimization and employs strategies including modern portfolio theory to reduce portfolio volatility by using low and negatively correlating asset classes. Matthew began his career in financial services in 2003 after earning a Bachelor of Science degree in Business from Miami University. He further pursued education and holds a Master of Business Administration with a concentration in Finance and Business Economics from Oakland University. His professional credentials include the CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), Certified Investment Management Analyst (CIMA), Chartered Life Underwriter (CLU), and Chartered Retirement Plans Specialist (CRPS) designations.Matthew is active in his community, serving as a youth basketball coach and participating in his church, Christ the Redeemer in Orion, Michigan. He also engages in various sports such as baseball, basketball, bowling, golf, ice hockey, soccer, swimming, and tennis, and values spending time with his family.

Rhylie Alaimo is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she has been serving clients since 2015. She works as part of a team of financial advisors, aiming to help clients pursue their financial goals through personalized wealth management strategies tailored to their unique circumstances. Her areas of expertise include college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, women and wealth, and retirement income. Rhylie holds a Bachelor's degree from Michigan State University and holds the professional designations Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Outside of her professional work, Rhylie participates in community volunteering, including involvement with Big Brothers Big Sisters. In her personal time, she enjoys cooking, gardening, pottery, reading, tennis, traveling, and watching movies.

Chris Liparoto is a Wealth Management Advisor with over 30 years of experience in providing financial and wealth management advice and services. He is a Managing Director at Merrill Lynch Wealth Management, where he supports clients including families, business owners, retirees, and professionals in pursuing their financial goals through customized strategies. His areas of focus include wealth management, investment-based strategies, estate and wealth transfer, money management selection, as well as financing and treasury management strategies for small businesses. Chris holds a Bachelor's degree in Economics and Sociology from Michigan State University. He has earned the Certified Investment Management Analyst (CIMA) designation, the Certified Plan Fiduciary Advisor (CPFA) designation, and the Chartered Retirement Planning Counselor (CRPC) designation. His credentials reflect his commitment to professional standards in financial planning and wealth management. Residing in Oakland Township, Michigan, Chris lives with his wife and four sons. He and his family are actively involved in sports and music, and they enjoy traveling together, including annual trips to Colorado. Chris has been involved in community service for over 15 years, serving on various nonprofit boards. He currently serves on the Board of Directors for Notre Dame Preparatory School in Pontiac, Michigan.

Maria Miriani is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in helping individuals organize and maximize their financial lives through personalized wealth management strategies. Maria's client focus areas include college education planning, family wealth management, retirement income planning, tax minimization, and portfolio management services. With over 10 years of experience in investment strategy, retirement planning, financial planning, and risk management, Maria delivers strategies that align with her clients' unique goals. She emphasizes building long-term relationships grounded in education and transparent communication to empower clients in navigating their financial landscapes. Maria holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Michigan State University. Outside of her professional role, Maria enjoys gardening, horseback riding, music, reading, scuba diving, swimming, watching movies, and spending time with her family.

Khalia Coleman is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Before joining Merrill, she held roles at Sotheby's International Realty, Corewell Hospital, eXp Realty, Brookstone Realtors, and Chase Bank. She is also a licensed real estate salesperson in Michigan. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Gibson is a Wealth Management Advisor with Merrill Lynch Wealth Management. Over the past 10 years, he has focused on providing service and guidance in his clients' financial lives, emphasizing the development of personalized financial strategies that align with individual long-term goals. His expertise includes family wealth management strategies, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Peter is a graduate of Wheaton College with degrees in Business Economics and Interpersonal Communication. He holds several professional designations, including Certified Financial Planner (CFP), Accredited Wealth Management Advisor (AWMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). In addition to his professional work, Peter is involved in community organizations such as Oakland Christian School, Pontiac Dream Center, and Woodside Bible Church. He contributes to career development and life skills programs, coaches basketball, and supports special needs initiatives. Outside of his advisory role, Peter enjoys activities including basketball, biking, golfing, hiking, hunting, music, reading, rock climbing, running marathons, and traveling.

Nancy Salvia is a financial advisor with Merrill in Auburn Hills, MI, holding a Series 66 designation and 18 years of industry experience. She has worked with Merrill Lynch and Bank of America since 2007 and 2009, respectively. Outside of advisory work, she serves as the elected Mayor of Rochester, Michigan, a position she assumed in December 2024 after serving as Mayor Pro Tem since 2021. She is also involved in a family-owned vitamin and mineral business operated as Sage Scientific 2 LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with both model-based and discretionary investment strategies.

Lindsy Partridge is a Financial Advisor with Merrill Lynch Wealth Management, where she collaborates with the Salvia Clancy team. She joined Merrill in 2024, bringing over 15 years of experience in financial services. Lindsy began her career in 2007 at JP Morgan Chase in Chicago, advancing to the role of Private Client Advisor and earning recognition as a National Achiever for her client service and financial guidance. Her expertise encompasses college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, women and wealth, tax minimization, and retirement income strategies. Lindsy holds a Bachelor of Arts degree from Kenyon College and maintains Series 7 and 66 FINRA registrations. She is also a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA), and she is fluent in Spanish. Lindsy lives in Troy, Michigan with her husband and two children. Outside of her professional endeavors, she enjoys cooking, reading, running, traveling, and spending time with her family. She and her family have traveled to over 30 countries.

Gregory Suzio is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2007, focusing on helping clients identify and achieve their individual financial goals. Greg specializes in areas including college education planning, corporate executive services, divorce transition planning, executive compensation, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Greg earned a Bachelor of Science degree in Mechanical Engineering with High Honors from Michigan State University. He holds several professional designations, including the CERTIFIED FINANCIAL PLANNER® certification, Chartered Retirement Planning Counselor™ designation, CERTIFIED PLAN FIDUCIARY ADVISOR, Personal Investment Advisor, and Retirement Accredited Financial Advisor. Greg applies his analytical background to manage risk in clients' investment portfolios. He has received recognition from Forbes, being named to the Best-in-State Next-Generation Wealth Advisors list in 2019 and 2020, and the Best-in-State Wealth Advisors list in 2021. Greg lives in Milford with his wife Jodi, their children, Blakely and Griffin, and their two dogs. In his free time, he attends his children's dance and basketball activities and enjoys playing golf with friends.

Paul Gekiere is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2000 and joined Merrill in 2004. In his role, Paul focuses on assisting affluent individuals, families, and business owners in pursuing their financial goals through comprehensive wealth management strategies. His areas of expertise include family wealth management, personal retirement planning, retirement income, estate planning services, investments, tax minimization strategies, and wealth transfer. Paul emphasizes a service-based approach that involves thorough financial profiling to understand each client’s long-term goals and concerns. Leveraging the global resources of Merrill, he provides customized financial advice designed to help clients build, manage, and preserve wealth for current and future generations. Paul holds a bachelor's degree from Central Michigan University and a master's degree in finance from Baker College. He lives in Clarkston with his three children and enjoys spending time with family and friends. His personal interests include golfing and traveling for his children's sports teams, as well as biking, football, and skiing. Professional Designation: Personal Investment Advisor (PIA).

Ashleigh Duffy is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, she held roles at Oakland University and managed small businesses including Elementz Salon. 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 a range of clients including individuals, high-net-worth clients, and charitable organizations.

Brendan Clancy is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on providing clients with personalized financial advice and strategies aimed at securing their financial futures. Brendan specializes in areas such as education planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, tax minimization, and retirement income. Before becoming a financial advisor, Brendan gained experience as a seasonal client associate on an advisory team at Merrill, where he was involved in relationship management and deepening his understanding of the economy and investments from a wealth management perspective. Prior to that, he worked as a Production Unit Leader at Fiat Chrysler Automobiles, managing multiple lines of production and assembly in Warren, Michigan. Brendan holds a Bachelor of Arts degree in Finance from the Eli Broad College of Business at Michigan State University. He has earned the CERTIFIED FINANCIAL PLANNER™ certification from the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. He is involved in community organizations including Dream Centers of Pontiac, Gleaner's Food Bank, and the Salvation Army. Brendan resides in Grosse Pointe Woods with his wife Meghan and their daughter Nora.

James Mcgill II is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been serving in this role since 1993, providing guidance and strategies to clients in various areas of financial planning. His expertise includes corporate executive services, education planning, executive compensation, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He is a Managing Director and holds the professional designations of CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst® (CIMA), and Personal Investment Advisor (PIA). James earned a Bachelor of Business Administration degree from the University of Massachusetts at Amherst. Outside of his professional responsibilities, he is involved with the Boy Scouts and enjoys biking, boating, golfing, scuba diving, skiing, and spending time with his family.

Stuart Higgins is a Senior Financial Advisor with Merrill Lynch Wealth Management, working as part of The Higgins Group since October 2016. He specializes in developing long-term financial advisory relationships tailored to clients' specific lifestyles and goals throughout their investment life cycle. His services include wealth and retirement management strategies, estate and college education planning, portfolio management, and commercial and residential lending services through Bank of America. Prior to joining Merrill, Stuart worked in the Greater New York City area for Lord Abbett Investments, focusing on mutual funds, separately managed accounts, and defined contribution business. He holds a Bachelor's degree in Business Management from the University of Maine, where he also played Division 1 Ice Hockey and engaged in extracurricular activities such as writing for the student newspaper and volunteering for the Special Olympics. Stuart's community involvement includes volunteering with the MCIR Special Olympics and participating with the University of Maine Students for Liberty. He holds the Personal Investment Advisor (PIA) designation and is registered with NMLS ID 1565253.