Sara Owen is a financial advisor with Merrill in Austin, TX, holding a Series 66 designation and 24 years of industry experience. She has been with Merrill Lynch since 2012. Outside of advising, she serves as a FINRA arbitrator and is involved in non-investment business activities including ownership of an LLC focused on digital marketplace sales and consulting roles providing brand insight and client experience evaluation. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies supported by internal and third-party managers for a diverse client base including individuals, high-net-worth clients, and institutions.

Alfredo Zepeda Jr. is a Financial Advisor with Merrill Lynch Wealth Management based in Austin, Texas. He is bilingual in English and Spanish and specializes in creating tailored financial strategies to align with his clients' diverse financial goals. Alfredo focuses on areas including education planning, managing new wealth, personal retirement planning, and portfolio management services. With a professional background in wealth management and strategic financial planning, Alfredo is committed to transparent communication, thorough analysis, and personalized advice. He aims to help clients navigate complex financial landscapes by providing suitable solutions that address individual needs while empowering them to achieve their financial objectives. Alfredo holds a Bachelor's Degree from The University of Texas Rio Grande Valley and has earned the designations of Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). In addition to his professional work, he is involved with community organizations such as Austin Pets Alive, Boggy Creek Farm, Central Texas Food Bank, Magdalene House, and Palm Valley Animal Center. Alfredo also enjoys adventure sports, camping, hiking, rock climbing, surfing, traveling, and volleyball.

Robert Hess is a financial advisor with Merrill in Austin, TX, holding a Series 66 designation and 25 years of industry experience. He has been with Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts, supported by internal and third-party investment teams.

Edward Callahan is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His background includes service in the United States Navy from 2018 to 2024 and roles at the University of Texas at San Antonio since 2024. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary investment strategies. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, offering strategic and tactical asset allocation with options tailored for tax-sensitive investors.

Jennifer Hardy is a financial advisor with Merrill in Austin, TX, holding a Series 66 designation and 22 years of industry experience. She has worked at Merrill since 2019 and previously spent seven years with Crestone Securities LLC. 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.

Colin Nicholson is a Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2019. He focuses on developing personalized wealth management strategies that address clients' complete financial pictures and adapt to changing market conditions. His areas of expertise include education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, portfolio management services, and retirement income. Colin holds a Bachelor’s Degree from Towson University and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He applies the investment insights from Merrill alongside the banking and lending solutions available through Bank of America. Outside of his professional role, Colin is involved in community volunteering, supporting organizations such as the Austin Humane Society and Central Texas Food Bank. He enjoys spending time with his family and pursuing personal interests including golfing, hiking with his dog Miles, watching football, boating, fishing, baseball, and exploring the restaurant scene in Austin.

Daniel Fruge is a financial advisor at Merrill with 19 years at the firm and three years of industry experience. He holds a Series 66 designation. Outside of his advisory role, he is a co-owner of a family rental property in Cypress, Texas. Merrill, together 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Ronald Riehs is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing 27 years of experience in portfolio management, money manager selection, and cash management techniques. He serves wealthy families, non-profit organizations, foundations, and statewide associations, offering personalized investment strategies that may include individual stocks and bonds, model portfolios, and third-party strategies. Ron also collaborates with Merrill associates to provide trust, estate planning services, and other wealth management solutions across the United States. Ron began his career as a commercial banker after earning a Bachelor of Business Administration in finance from The University of Texas at Austin and completing a Commercial Major in the three-year Southwestern Graduate School of Banking program at Southern Methodist University. He has held various FINRA registrations to support his work with a diverse client base nationwide. Ron holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. His previous roles include serving as an Institutional Financial Advisor for banks, credit unions, mutual funds, and government agencies. Beyond his professional work, Ron serves his community through involvement in educational, religious, and nonprofit organizations, including his church and Manos de Christos. He has held board and committee positions related to planned giving and fundraising for private schools. His personal interests include cooking, fishing, and golfing. Ron is committed to providing transparent, uncomplicated investment solutions and embraces technology to enhance the client experience.

Sean Gourley is a financial advisor with Merrill in Austin, TX, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Wells Fargo Bank and its affiliates from 2009 to 2022. 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, pension plans, and charitable organizations.

Jared Fox is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on delivering comprehensive wealth management solutions tailored to each client’s unique financial situation, goals, and family circumstances. Jared works closely with clients to create personalized strategies that adapt to changing market conditions and evolving needs. His expertise includes retirement planning, portfolio management, liquidity management, managing new wealth, college education planning, and employee financial health, among other areas. Jared joined Merrill Lynch Wealth Management in 2005, bringing nearly six years of prior experience working with corporate stock benefit plans. He assists clients with wealth preservation and transfer, business services, concentrated stock strategies, estate planning services, and cash management. Jared graduated in 2002 from the Red McCombs School of Business at The University of Texas with a degree in Finance. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, Jared participates in community volunteer activities in line with the Merrill tradition of community involvement. In his personal time, he enjoys billiards, football, golfing, music, skiing, swimming, traveling, and spending time with his family. He also takes pride in helping manage the family ranch in Circleville, Texas.

Zachary Bolke is a Financial Advisor at Merrill Lynch Wealth Management, where he assists clients in developing personalized strategies to achieve their financial objectives. He leverages his background in finance, real estate, and credit analysis to provide comprehensive wealth management services. Prior to joining Merrill, Zachary managed a $60 million real estate portfolio at Long Oak Partners, overseeing acquisitions, asset management, and investor relations. He has also contributed to operations at Spin Appliances by optimizing pricing models and quality control for a multi-state distribution network. Earlier in his career, he served as a Senior Credit Analyst at First United Bank and as a Banking Officer at West Texas National Bank, working on complex loan portfolio evaluations and financial modeling automation. Zachary holds a Bachelor of Science in Petroleum Engineering from Texas Tech University. He maintains FINRA SIE, Series 66, Series 7 registrations, and holds the Chartered Retirement Planning Counselor (CRPC) designation. Outside of his professional activities, he is an Eagle Scout and engaged member of his community.