Patrick Walsh serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 1979 after graduating from Drexel University with a Bachelor's Degree in Finance. Patrick is known in the Philadelphia area as an industry spokesman and educator. He has lectured at Drexel University's Graduate School of Business and provided daily bond market commentary on KYW News Radio for more than two decades. His expertise includes education planning, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Patrick and his wife, Gretchen, live in Radnor, Pennsylvania. He is involved in the Bala Cynwyd-Narberth Rotary as a director and participates in community activities through the Rotary and St. Dorothy's Finance Committee. His personal interests include chess, football, music, spending time with his family, table tennis, tennis, traveling, and watching movies.

Patrick Welde is a financial advisor with Merrill and holds a Series 66 designation. He has 14 years of industry experience, working with Bank of America and Merrill since 2012. Outside of his advisory role, he owns a sole proprietorship focused on publishing children's books and serves on a committee for Project HOME, a nonprofit working to improve conditions for the homeless population in Philadelphia. 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.

Marybeth Henry is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career in financial services in 1977, initially serving institutional clients seeking to enhance returns on pension and endowment portfolios. Prior to her current role, she managed portfolios as an institutional portfolio manager and served as a Director of Manager Research at Salomon Smith Barney Consulting Group, where she participated in selecting and reviewing money management firms. Her practice focuses on asset allocation strategies using traditional and other asset classes where appropriate. Marybeth assists investors in choosing their personal path to financial independence by following an investment discipline within the Merrill context. She has developed extensive knowledge in retirement planning, particularly for executives in transition who need to roll assets from defined contribution or defined benefit plans to IRAs. Her client relationships are built on intensive study and listening to formulate tailored responses for individual clients' benefits. Marybeth earned an MBA in Finance from the NYU Stern School of Business in 2005 and holds a bachelor's degree from Rosemont College. She has professional designations including Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). She participates in community activities, including volunteering with organizations such as the Philadelphia Orchestra. Her personal interests include cooking, dancing, music, singing, spending time with her family, and tennis.

Jason Pierce is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 credential and has been affiliated with Merrill since 2014 and Bank of America, N.A. since 2015. Merrill serves a broad client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, third-party manager selection, discretionary portfolio management, and brokerage services. The firm integrates its investment management capabilities with Bank of America's broader banking and capital markets platform, emphasizing managed accounts and tax-efficient strategies.

Rocco Rugnetta is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has worked since 2006. Prior to joining Merrill Lynch, he spent ten years managing the Retirement Services divisions of two investment companies. He provides advisory and wealth management services to affluent families, professionals, business owners, and corporate executives, focusing on retirement income planning, investment portfolio customization, and corporate retirement plans. Rocco also serves as a Retirement Benefits Consultant, assisting employers with plan design and oversight, as well as educating employees on savings and investment options. Rocco holds several professional designations, including Certified 401(k) Professional, Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Benefits Consultant. He earned his MBA in Finance from Saint Joseph’s University and holds a Bachelor of Arts degree from LaSalle University. Additionally, he completed a certificate program at The Institute for Employee Benefits Training. Residing in Philadelphia with his wife Erika and their sons, Rocco is actively involved in community activities such as coaching youth baseball and serving on the board of the Christopher Doto Memorial Scholarship Foundation. He also volunteers at Saint Pio Catholic School and the Guerin Recreation Center. Fluent in English and Italian, Rocco engages with organizations including the Delaware Valley Youth Athletic Association.

James Hagedorn is a Financial Advisor based in the Bala Cynwyd, PA office, working within Merrill Lynch Wealth Management. He collaborates with clients to develop personalized financial strategies and supports them in navigating important financial decisions. His approach focuses on understanding each client's unique goals and priorities, emphasizing a comprehensive view of their financial picture. James specializes in areas including education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. He holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from The Catholic University of America. Outside of his professional work, James has personal interests in baseball, cooking, football, and golfing.

Marc Martinelli is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial services industry. He began his career at Merrill Lynch in 1997 within the Financial Planning & Strategies Group and has focused on assisting High Net Worth families with investment analysis and wealth planning. Marc's expertise encompasses a range of client focus areas including college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization. He holds a Master’s Degree in Business Administration from Saint Joseph's University and a Bachelor’s Degree in Finance from the University of Scranton. Marc has earned several professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Additionally, he serves as an Adjunct Professor at Penn State University-Abington, teaching courses in investments and financial markets. Outside of his professional responsibilities, Marc is involved with the Laurel House Women's Shelter and enjoys active sports including basketball, golfing, hiking, running, and volleyball. He resides in Horsham, PA, with his wife Ann and their two daughters.

Justin Walsh is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with the firm since 2009, where he focuses on implementing the firm's Equity, Fixed Income, and Quantitative Strategies for selected client portfolios. Justin works closely with clients on investment and retirement planning and facilitates access to the firm's Lending and Trust Specialists. Justin holds the Chartered Retirement Planning Counselor (CRPC) designation. He earned a Bachelor of Science degree from Cabrini College, where he also received All-Conference Honors in Tennis and Cross-Country. He is a multiple-time Tennis Club Champion at Llanerch Country Club, winning the Singles Title every year from 2006 through 2017 and again from 2019 through 2025. Justin currently resides in Conshohocken, Pennsylvania.

Lauren Hickey is a financial advisor with Merrill in Bala Cynwyd, PA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. She has been with Merrill since 2015. 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.

Scott Bucher is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Bucher has worked at Merrill since 2012 and has been with 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 its 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.

Nicole Morganheira is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2012. Outside of her advisory role, she assists with event coordination at Bevisionaryevents.com. 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.

Alexandra Moore is a financial advisor at Merrill with 10 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at The Vanguard Group for seven years prior to joining Merrill. Outside of her advisory work, she owns a small art business where she creates custom murals and paintings. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Trevor Paolone is a Financial Advisor with the Paolone Group at Merrill Lynch Wealth Management in Suburban Philadelphia. He focuses on financial planning, portfolio management, and client service within the team that emphasizes a holistic and comprehensive approach to wealth management. The group aims to create and maintain client relationships that span decades and aid in generational wealth transfer. Trevor holds a Bachelor's Degree from the Pennsylvania State University System and has earned professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His educational background and certifications support his ability to develop long-term financial plans and guide clients through the evolving economic environment. He is involved with the Boys and Girls Club of America and is proficient in English and Spanish.

Elizabeth Burlinson is a financial advisor at Merrill with 18 years of experience in the industry. She holds the Series 66 designation and has been with Merrill since 2008. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program. The firm offers model-based and discretionary strategies developed by internal and third-party teams, serving individuals, high-net-worth clients, corporate retirement plans, and charitable organizations.

Donna Goldhorn is a financial advisor with Merrill in Bala Cynwyd, PA, holding Series 63 and Series 66 designations and bringing 46 years of industry experience. She has been with Merrill since 2006. 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 various client types including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brittany Fatholahi is a Wealth Management Advisor at Merrill Lynch Wealth Management. She provides clients with financial planning and portfolio management services, focusing on areas such as college education planning, legacy planning, small business strategies, socially responsible investing, and tax minimization. Her approach emphasizes organizing and coordinating clients' financial lives through ongoing, friendly advice and guidance. Brittany began her career in finance after growing a successful paint contracting business during college. She spent four years in independent wealth management before joining Merrill in 2017, where she built her practice and offers tailored investment strategies and discretionary portfolio management through the Investment Advisory Program. She holds multiple professional designations, including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Certified Plan Fiduciary Advisor (CPFA), and Chartered Retirement Planning Counselor (CRPC). Brittany earned her bachelor's degree in business and economics from Franklin & Marshall College. Outside of her professional role, Brittany has been involved in several organizations and community initiatives. She has served as membership chair for the Delco Property Investors Club, co-president of Merrill’s Tri-State Women’s Exchange, secretary of RH K9 Rangers Search & Rescue, and is a certified therapy dog handler with Caring Community Canines. She participates in groups such as the AKC Philadelphia Dog Training Club and the National Association of Women Business Owners (NAWBO) Philadelphia. Brittany resides in Havertown with her husband and their German Shepherd.

William Adolph III is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1995 and has over three decades of experience in addressing the wealth management needs of high-net-worth families, corporate executives, business owners, and entrepreneurs. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, women and wealth, sports and entertainment, tax minimization, and retirement income. He holds several professional designations including the Chartered Retirement Planning Counselor (CRPC), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). William earned a bachelor's degree in international politics from Pennsylvania State University. He is also involved with professional organizations such as Penn State Teammates for Life and the Penn State Varsity S Club, where he mentors student-athletes. Outside of his professional role, William lives in Media, Pennsylvania, with his wife Barbra and their three children. He enjoys an active outdoor lifestyle including fishing, golfing, hunting, reading, running, skiing, surfing, and woodworking. He is recognized for his contributions to wealth management, being named to the Forbes "Best-in-State Wealth Advisors" list for multiple years including 2024.

Daniel Mckiernan is a Senior Financial Advisor with Merrill Lynch Wealth Management. He manages an inter-generational wealth management business focused on client satisfaction through comprehensive, personalized service supported by the resources of a global bank. He joined Merrill Lynch Wealth Management in 2016 after completing his MBA at the Villanova School of Business with specializations in Finance, Strategic Management, and International Business. In 2017, he became part of The McKiernan Group, where he integrates a goals-based wealth management planning process, develops client relationships, and creates customized financial strategies. He works closely with clients' teams of attorneys, accountants, and other advisors to provide coordinated wealth management. Daniel performs detailed analyses of clients’ net worth, cash flows, and asset allocations, which include retirement probability forecasts, education saving strategies, and portfolio performance reports. He focuses on family wealth management, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, socially responsible investing including ESG considerations, tax minimization, and retirement income. Daniel earned his bachelor's and MBA degrees from Villanova University and holds Series 7, 63, and 65 FINRA registrations along with the Personal Investment Advisor (PIA) designation. He is actively involved with the Villanova School of Business Mentor Program and serves as a mentor and advisor for the NOW Generation of Chautauqua Institution. Daniel is a member of the Augustinian Volunteers Alumni and has volunteered as a teacher at Holy Family Catholic School in San Diego. He resides in Ardmore, PA, and is a member of the Overbrook Golf Club and The Merion Cricket Club.

Robert Mckiernan is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads The McKiernan Group, providing wealth management strategies tailored to meet the unique financial goals of his clients. With over 30 years of experience, Robert specializes in college education planning, corporate executive services, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, small business strategies, women and wealth, and retirement income. Robert holds a bachelor's degree from Villanova University and is a Personal Investment Advisor (PIA). He is actively involved in professional and community organizations including the Advisory Council of Notre Dame Academy, the Annual Fund of Chautauqua Institution, the Augustinian Development Council, the Bryn Mawr Business Association, and The Devon Horse Show & Country Fair. His community involvement extends to supporting the Augustinian Monastery, Joy of Sox, and St. Thomas of Villanova Parish. Outside of his professional work, Robert enjoys boating, golfing, skiing, spending time with his family, and practicing yoga.

James Welde is a financial advisor with Merrill and holds a Series 66 designation. He has one year of industry experience, including roles at Bank of America, Merrill, and Firstrust Financial Resources. His background also includes positions outside of finance, such as work at Donohue Funeral Home and various educational institutions. 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.

Alexander Dominguez is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 2018. His prior work includes a brief period at AT&T and a role at The Pennsylvania State University. 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 using model-based and discretionary investment strategies.

Michael Paolone is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has dedicated his entire financial services career to Merrill, where he has developed a strong client base by providing personalized wealth management strategies tailored to individual goals and market conditions. Michael emphasizes accessibility and regular portfolio reviews to ensure clients receive focused attention and support. His expertise includes divorce transition planning, education planning, family wealth management strategies, liquidity management, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Michael holds a Bachelor's Degree from Widener University and an MBA in Finance with a concentration in Investment Management from Drexel University. He has earned several professional designations, including Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Michael enjoys boating, golfing, skiing, and spending time with his family. His approach centers on working one-on-one with clients to develop personalized financial strategies designed to help pursue long-term goals.

Samuel Morgan is a Financial Advisor with Merrill Lynch Wealth Management, where he has been working since 2014. In his role, he focuses on delivering personalized wealth management strategies that adapt to clients' evolving needs and the changing market environment. He provides clients access to Merrill's investment insights as well as the banking and lending solutions of Bank of America. Sam's expertise encompasses a range of financial planning areas including college education planning, divorce transition planning, family wealth management strategies, liquidity management, retirement income planning, and socially responsible investing. He is committed to understanding the full financial picture of his clients and their families to develop tailored approaches that help them pursue their long-term goals. He holds a Bachelor's Degree from the College of Charleston and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Beyond his professional work, Sam participates in community service through organizations such as Rotary International. His personal interests include baseball, golfing, music, running, spending time with his family, and traveling.

Philip Capra is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their unique situations and goals. Philip leverages Merrill's investment insights alongside Bank of America's banking services to provide comprehensive wealth management solutions. He specializes in areas including family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, and tax minimization. Philip holds the designations of Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Philip earned a Bachelor's Degree from Wagner College. Outside of his professional work, he enjoys baseball, golfing, traveling, and spending time with his family.

Pamela Goodman is a Senior Vice President and Senior Financial Advisor with the high net worth advisory team Nottingham-Walsh-Goodman-Pierce & Associates at Merrill Lynch Wealth Management. She joined Merrill Lynch Wealth Management 38 years ago and collaborates closely with clients to develop personalized financial strategies that align with their long-term goals. Her areas of expertise include college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, sports and entertainment, and tax minimization. Pamela holds an MBA in International Finance and Marketing from Temple University's Fox School of Business & Management and completed certificate programs at Harvard Business School Online and Cornell University in 2021. She earned her undergraduate degree from Muhlenberg College after studying Global Finance at City University of London and the European School of Business. Her professional designations include Certified Divorce Financial Analyst (CDFA), Certified Exit Planning Advisor (CEPA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Pamela and her family actively participate in community activities including the Lower Merion Little League's Challenger Program and Special Olympics. She is an active member of the Jewish Business Network of Philadelphia and serves on Merrill Lynch's Women's Exchange and Leadership Committee for Diversity & Inclusion. Additionally, she is involved with the PALM Center for Positive Aging and the Philadelphia Women Leaders Association.

Todd Hilinski is a Senior Financial Advisor with Merrill®, based in Philadelphia. He works with business owners, executives, professionals, and multiple generations of families to help them develop purposeful and cohesive financial strategies. With over fifteen years of experience, Todd applies his expertise to assist clients in resolving financial questions, evaluating options, and planning for their long-term goals. Todd holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor® (CPFA), and Chartered Retirement Planning Counselor™ (CRPC™). Additionally, he is recognized as a Retirement Benefits Consultant, enabling him to design, implement, and service 401(k) and corporate retirement plans. Todd earned his bachelor's degree from Thomas More College. Todd lives in Ardmore, Pennsylvania, with his wife Alexis and their two daughters, Audrey and Sloan. Outside of work, he enjoys playing golf, shooting sporting clays, spending time at Ocean City, New Jersey, and on Florida's West Coast, as well as traveling internationally.

Maria Santana is a financial advisor at Merrill with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Morgan Stanley Private Bank, The Vanguard Group, and Enhance Healthcare Consulting. Outside of her advisory roles, she was involved with Lancaster Family YMCA for two years. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ryan Swan is a financial advisor at Merrill with 15 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo and as a contractor for Legacy Center LLC. Outside of his advisory role, he serves as an assistant football coach at St. Joseph's Preparatory School. 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 strategies for individuals, high-net-worth clients, and institutional investors.

Patrick Welde is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and over 37 years of industry experience. He has worked at Merrill since 1988 and has also been associated with Bank of America, NA since 2009. Outside of his advisory role, he serves on the Board of Trustees for Waldron Mercy Academy, a private Catholic school, and is a director at Llanerch Country Club. 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 a variety of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Reginald Johnson is a Senior Financial Advisor with Merrill Lynch Wealth Management based in the Bala, Pennsylvania office. In his role, he works closely with high net-worth clients to implement financial goals, preserve wealth, and plan for business succession and wealth distribution in a tax-efficient manner. His advisory approach emphasizes developing personalized, goal-based wealth management plans through long-term relationships. Reggie began his career in financial services in 2003 at Ameriprise Financial, where he owned and operated an individual financial advisory franchise. He joined Merrill in 2011. He holds a Bachelor's degree cum laude in Finance and Economics from Drexel University and a Master's degree in Theology from Lutheran Theological Seminary. His professional designation includes Personal Investment Advisor (PIA). Beyond his professional responsibilities, Reginald Johnson participates in community activities consistent with the Merrill tradition. He devotes time to volunteering with organizations in his local community.

Mark Nottingham is a Senior Financial Advisor leading a distinguished advisory team at Merrill Lynch Wealth Management. His team holds professional designations including CFA® and CFP®, reflecting their expertise in wealth management planning and investment portfolio management. They provide tailored strategies combining proven planning tools and the resources of Bank of America's affiliates to help individuals, families, and businesses meet their financial goals. Mark has extensive experience in financial planning and estate strategies, with a focus on retirement, college, tax, and estate planning. His team employs a comprehensive wealth planning approach that addresses clients' investment personalities, risk tolerances, time horizons, and priorities at various life stages. They aim to deliver customized solutions while assisting clients in managing their wealth effectively. He holds a Bachelor's Degree from Davidson College and a Master's Degree from the Pennsylvania State University System. Mark resides in Chestnut Hill, Pennsylvania with his family and is an active supporter of the Chestnut Hill Conservancy and other non-profit organizations. Outside of his professional responsibilities, Mark enjoys playing tennis, having once played professionally, and participates in other sports such as golf, padel, and skiing.

Aidan Kleitz is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked in roles including self-employment and media. He serves as Director of Finance and board member for The 9 Mile Project, a nonprofit organization supporting underprivileged youth. 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.

Joseph Viola is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping individuals and families develop confidence in their financial futures. He focuses on providing clear and personalized strategies across a range of financial areas including retirement planning, managing old 401(k) plans, education funding, and wealth preservation. Joseph works closely with professionals and executives at critical junctures such as role changes, promotions, and firm transitions, offering structured, objective guidance to navigate complex financial decisions deliberately. His expertise encompasses executive compensation, equity compensation services, personal retirement planning, and tax minimization. Clients engage him for services that include reviewing and coordinating prior employer retirement plans, tax-aware investment strategies, portfolio construction, education planning, trust and estate planning coordination, and lending and banking considerations. Joseph emphasizes thorough coordination and thoughtful decision-making as clients' responsibilities and circumstances evolve. Joseph holds a Bachelor's Degree from Temple University and professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional role, he enjoys golfing, spending time with his family, and traveling.

Michael Rotay is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been advising clients since 1996. He works with high net worth individuals to develop long-term financial strategies, provides investment recommendations tailored to their specific needs and goals, and focuses on preserving financial assets for retirement. His client focus areas include college education planning, personal retirement planning, women and wealth, tax minimization, and retirement income. Michael holds a Bachelor of Arts degree in Economics from Johns Hopkins University. He also holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His interest in financial markets began in his youth, influenced by a Merrill Financial Advisor during a summer job. He resides in Skippack, Pennsylvania with his wife, Joelle, and their three children. Michael is involved in community organizations such as the PV Foundation and PVYB Youth Sports. His personal interests include biking, chess, fishing, gardening, golfing, reading, running, skydiving, spending time with family, and traveling.