Lachezara Docheva is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. She joined Merrill in 2017, bringing a dedication to individualized financial planning and client-focused wealth management strategies. Lachezara works with clients to develop flexible financial approaches tailored to their unique goals, providing access to investment insights from Merrill and the integrated banking and lending solutions of Bank of America. Originally from Bulgaria, Lachezara earned a Bachelor's degree in Finance from the University of National and World Economy in Sofia. She relocated to the United States in 2012 and has been with Bank of America Corporation for over a decade. Her professional credentials include Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA), supported by an accredited certificate from the College for Financial Planning. Lachezara's expertise covers areas such as college education planning, family wealth management, retirement income, tax minimization, and portfolio management. Beyond her professional role, Lachezara actively participates in community volunteer work and charity events. She enjoys outdoor activities including biking, camping, hiking, ice skating, swimming, and table tennis. Fluent in both Bulgarian and English, she combines her financial knowledge with a personal philosophy focused on uncovering what matters most to clients to help them confidently pursue their financial objectives.

Philip Thomas is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with successful individuals and families to develop customized financial strategies focused on managing wealth, ensuring retirement security, and building lasting legacies in a cost-effective, tax-efficient, and risk-appropriate manner. His client focus areas include divorce transition planning, defined contribution plan investment consulting, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategies, tax minimization, and retirement income planning. Philip holds a Bachelor's Degree from Mount Saint Mary's University and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He emphasizes persistence, empathy, and value-added service in his work, aiming to engage deeply with clients to help them achieve their financial goals. Outside of his professional responsibilities, Philip participates in community volunteer activities aligned with Merrill's tradition of service. His personal interests include boating, camping, fishing, and spending time with his family.

Garrett Cioffi is a Financial Advisor at Merrill Lynch Wealth Management based in Columbia. He serves as a trusted partner to business owners, highly-compensated employees and executives, and families seeking personalized wealth management. Garrett approaches wealth management through an evidence-based framework, providing comprehensive guidance across investment management, financial planning, trust and estate considerations, and tax-efficient wealth strategies. He has built his practice on data-driven wealth strategies, leveraging the resources and depth of Bank of America & Merrill. Garrett frequently collaborates with clients' CPAs and estate attorneys to ensure financial strategies align with their overall objectives. He works closely with medical professionals, corporate executives, and high-net-worth families to address the complexities of wealth accumulation, tax-efficient planning, risk management, retirement, and legacy planning. Garrett holds a Bachelor's Degree from Salisbury University and is a Personal Investment Advisor (PIA). He is a member of the Sigma Alpha Epsilon Fraternity. In his free time, Garrett enjoys running, golfing, football, reading, and watching movies.

Clifford Andersson is a financial advisor with Merrill, holding Series 63 and Series 66 registrations and bringing 27 years of industry experience. He has worked at Bank of America, Merrill, MML Investors Services, and MassMutual. He serves as a board member for Mount Calvary Catholic Church in Baltimore, where he oversees various operational and compliance matters. 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 and support for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Melanie Samoska is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has been with Bank of America, N.A. and Merrill since 2016. 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 and profit-sharing plans, corporations, and charitable organizations.

Elizabeth Phelan is a financial advisor with Merrill based in Baltimore, MD, holding Series 63 and Series 66 licenses and eight years of industry experience. She has worked at Merrill, Bank of America, N.A., BOFA Securities, Inc., and M&T Bank. Outside of her advisory role, she serves as a committee member for United Way Central Maryland, participates in the finance committee there, and is involved with the development committee at The Walters Art Museum. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jackson Clements is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. His prior roles include positions at RESCO Electronics and The Wine Post. 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.

Aaron Meisner is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been advising clients for three decades. As a second-generation advisor, he primarily works with families seeking to grow and preserve their assets for a successful and secure retirement. Aaron focuses on a range of client needs, including education planning, family wealth management strategies, legacy planning, retirement income, and socially responsible investing. Throughout his career, Aaron has witnessed clients achieve key life milestones through careful financial planning, such as graduations, the birth of grandchildren, and retirement celebrations. He emphasizes developing personalized financial strategies tailored to each client's long-term goals, working closely one-on-one to create flexible plans that adapt to changing market conditions. Aaron holds a Bachelor's Degree from the University of Maryland College Park and has earned professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He participates in the communities he serves through volunteer work. His personal interests include adventure sports such as biking, boating, hiking, rock climbing, skiing, photography, and traveling.

Zakiyyah Muhammad serves as a Client Experience Advisor with Merrill Lynch Wealth Management. In this role, she works directly with clients to understand their financial situations and introduces them to a range of solutions available through Merrill and Bank of America. Her focus is on empowering clients to take control of their financial lives and select platforms aligned with their current needs. Zakiyyah holds a Personal Investment Advisor (PIA) designation. She earned her Associate's Degree from the Community College of Baltimore County and completed her high school education at Chesapeake High School. Her approach emphasizes helping clients identify what matters most to them and their families to develop strategies aimed at pursuing their financial goals.

Richard Mutua is a Financial Advisor with Merrill Lynch Wealth Management. He works with professionals, families, and business owners to help them make clear and confident decisions despite financial complexities. His approach is strategic and analytical, focused on clarity, disciplined execution, and building long-term trust. He specializes in assisting busy professionals, growing families, and business owners with complex financial decisions including corporate executive services, equity compensation, endowments, foundations, nonprofit services, legacy planning, personal retirement planning, portfolio management, small business strategies, special needs planning, tax minimization, and retirement income. Richard emphasizes understanding his clients' unique goals to translate financial complexity into actionable steps and guide them through market shifts and life changes. Richard holds a Bachelor's Degree from the University of Nairobi and has earned the Professional Investment Advisor (PIA) designation. Outside of his professional work, he enjoys baseball, basketball, biking, boating, football, golfing, music, soccer, spending time with his family, and traveling.

Alexander Mairone is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2012 and Bank of America since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Stein is a financial advisor with Merrill based in Baltimore, MD, holding Series 63, 65, and 66 licenses and has 25 years of industry experience. His prior roles include positions at T. Rowe Price, PNC Bank, PNC Investments, PNC Wealth Management, and Wells Fargo Clearing. He also serves as a trustee for the Harry Curland Irrevocable Trust. 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 diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Terrence Davis is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies tailored to each client's unique financial picture. His approach focuses on uncovering what matters most to clients and their families to help pursue their financial goals. Terrence's experience encompasses a range of client focus areas, including education planning, equity compensation services, family wealth management strategies, legacy and philanthropic planning, socially responsible and ESG investing, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation as well as the Personal Investment Advisor (PIA) designation. Terrence earned his bachelor's degree from Morgan State University. Beyond his professional work, Terrence enjoys basketball, billiards, chess, drawing and sketching, music, painting, swimming, table tennis, and spending time with his family.

Kristen Vargay is a financial advisor at Merrill with 13 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2012. 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 various organizations.