Felicia Delgado is a financial advisor with Merrill in Beverly Hills, CA, holding a Series 63 credential and 31 years of industry experience. She has been with Merrill since 1980. 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.

Perry Richards is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management, based in Beverly Hills, California. He heads Richards, McMahon, Power & Associates, a six-person team focused on delivering comprehensive wealth management strategies and investment services to individuals, families, and business owners. The team emphasizes a holistic approach to oversee the complex financial needs of high net worth clients, assisting with wealth management, lifestyle maintenance, and legacy planning, while collaborating with clients' other trusted advisors to provide streamlined and objective guidance. Perry began his career with Merrill Lynch Wealth Management in 1991 and is a qualified Portfolio Manager. He manages personalized and defined investment strategies that may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment strategies. His areas of expertise include college education planning, corporate executive services, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, legacy planning, personal retirement planning, portfolio management services, sports and entertainment, and tax minimization. Perry earned a Bachelor of Arts in Finance from Michigan State University in 1989. He also holds the Certified Investment Management Analyst® designation, awarded in 2003 by the Investments & Wealth Institute® in conjunction with The Wharton School. Prior to joining Merrill Lynch, Perry worked as a Financial Analyst for the Detroit Pistons Basketball Organization. Outside of his professional responsibilities, Perry resides in Pacific Palisades, California, with his wife Kerrie and their two daughters. He engages in various recreational activities including golf, surfing, biking, and yoga, and is involved in community service, dedicating time to support the Adams House shelter for battered women and children in Los Angeles.

Joseph Wingard is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management, where he has worked since 1997. He leads The Wingard Group, a wealth advisory team based in the Beverly Hills office, providing personalized family wealth planning and management services to affluent individuals, families, and corporate clients. His work focuses on advanced strategies including asset and liability management, tax minimization, income and asset preservation, and generational transfers. Prior to joining Merrill Lynch, Joseph was an operating executive for a Fortune 100 information technology company and served on the graduate faculty of three universities. He holds a Bachelor’s degree, Master’s degree, MBA, and PhD from UCLA, where he graduated magna cum laude and was inducted into Phi Beta Kappa. Joseph has held leadership roles in professional organizations such as the Association for Corporate Growth and UCLA Bruin Professionals. Joseph’s client focus areas include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Outside of work, he enjoys baseball, basketball, football, skiing, soccer, spending time with his family, and traveling.

Susan Wingard is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. She joined Merrill Lynch in 1983 and has extensive experience in wealth management, portfolio management, and investment consulting. Before joining Merrill Lynch, Susan served as a business development executive for a major Fortune 100 diversified publishing company. Her areas of expertise include family wealth management strategies, defined contribution plan consulting, retirement planning, tax minimization, and investment strategy for individuals and corporations. She also focuses on client segments such as women and wealth, sports and entertainment professionals, and managing new wealth. Susan holds a Bachelor’s degree from New York University and a Master’s degree from Pepperdine University. She has completed the Merrill Executive Program for Financial Advisors at the Wharton Business School. Additionally, she holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). Outside of her professional work, Susan enjoys football, interior decorating, swimming, traveling, and spending time with her family.

David Lopez is an International Wealth Advisor with Merrill Lynch Wealth Management. Prior to joining Merrill Lynch in 2021, he was a partner at BeachFleischman PC, one of Arizona’s largest accounting firms, where he led the firm’s international tax practice and developed its cross-border business and consulting services over more than 20 years. Before that, he worked at Ernst & Young LLP. At Merrill Lynch, David collaborates with a team of financial advisors to provide comprehensive, multi-faceted wealth management services tailored to high net worth and ultra-high net worth families, coordinating closely with clients’ attorneys, accountants, and other advisors in a family office style approach. David holds a Bachelor’s degree from the University of Arizona and is a Certified Public Accountant (CPA) and Personal Investment Advisor (PIA). While he has a background in tax, he does not provide tax or legal advice in his current role. His client focus areas include education planning, family wealth management strategies, liquidity management, retirement planning, portfolio management, investment strategy, tax minimization, and retirement income. In addition to his professional work, David has served in leadership positions with various community organizations, including Ronald McDonald House of Southern Arizona, Carondelet Foundation, Salpointe Foundation, Kino Border Initiative, Tucson Metro Chamber of Commerce, and Nexus Executives. He continues to serve as a member of Nexus Executives and remains involved with the Kino Border Initiative. Outside of work, David enjoys basketball, biking, skiing, tennis, traveling, and spending time with his family.

Susan Edwards is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 33 years of experience in guiding clients through financial strategies related to significant life transitions. She and her team manage total assets of approximately $458 million as of May 2023. Susan’s expertise spans equity compensation services, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, and portfolio management services. Throughout her career, Susan has focused on supporting pre-retirees, business sales, career transitions, and wealth transfer planning. She has specialized experience working with tax-sensitive investors and strategies involving restricted stock and executive stock compensation. Susan collaborates closely with clients' trusted advisors to develop comprehensive wealth management approaches tailored to individual needs. Susan earned her Bachelor of Arts degree in History with a minor in Economics from the University of California, Berkeley, and completed post-graduate studies in International Business at Oxford University. She holds professional designations including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of work, Susan is active in her church community and, along with her family, supports initiatives related to homelessness and foster care youth. Her personal interests include skiing, camping, cooking, fishing, hiking, and spending time with her family.

H Schloss is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1993 and brings extensive experience in financial advisory services, focusing on areas such as college education planning, family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. H Schloss holds a Master’s degree in Mathematics from Harvard University, a Master’s degree in Electrical Engineering–Computer Science from the University of Southern California (USC), and a Ph.D. in Electrical Engineering–Communication Sciences from USC. His professional designations include Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). Prior to his financial advisory career, he accumulated 30 years of experience in the aerospace industry, including a role as Supervisor Level II of Guidance and Navigation Analysis on the Apollo Lunar Mission with North American Aviation. In addition to his professional work, H Schloss is an active member of several charitable and cultural organizations in Southern California. His personal interests include genealogy, music, reading, traveling, and spending time with his family.

Craig Vassell is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in financial services in 2015 and focuses on helping clients pursue their wealth management goals through tailored strategies aimed at achieving both short- and long-term objectives. Craig works closely with clients to understand their specific situations, including their time horizon, risk tolerance, and investment personality, in order to develop and implement appropriate financial plans. He offers personalized advice and access to specialized investment services designed for sophisticated investors. He holds a Bachelor of Science degree in Psychology from the University of Florida and has completed executive education in Sustainable Finance & Investment at Yale School of Management, as well as a Senior Executive Program in Venture Capital & Private Equity at Columbia Business School. Craig holds the CERTIFIED FINANCIAL PLANNER® certification, Certified Investment Management Analyst® designation, and is a Personal Investment Advisor. He is also affiliated with Alpha Phi Alpha Fraternity, Inc.

Jonathan Magana is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 66 designations. His prior roles include positions at Morgan Stanley, J.P. Morgan Securities LLC/Chase Bank, Bank of America, N.A., and Target 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 plans, corporations, and charitable organizations.

Valeriano Parayao is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 25 years of experience from his tenure at Bank of America and Merrill Lynch. Val serves a diverse clientele including active and retired business owners, corporate executives, individuals in the creative and entertainment fields, as well as many same-sex couples and other members of the LGBTQ community. His practice focuses on family wealth management strategies, legacy planning, LGBT wealth planning, personal retirement planning, philanthropic planning, tax minimization, and socially responsible investing. During his career, Val has developed expertise in identifying needs and opportunities on both sides of clients' balance sheets—assets and liabilities—while leveraging internal resources such as small business bankers and trust specialists. He emphasizes establishing a comfortable rapport with clients to facilitate productive conversations, and he collaborates with clients' CPAs and attorneys to design tax-minimization and estate-planning strategies. Val's professional credentials include a Personal Investment Advisor (PIA) designation and a Bachelor's Degree from the California State University system. Val is involved in community organizations such as Advancing Justice LA and Project Angel Food and is a member of the American Red Cross. He grew up in the Philippines and moved to the United States as a teenager. While attending California State University, he worked for Bank of America, later joining the bank full-time until he transitioned to Merrill in 2017. Val resides in West Hollywood and enjoys biking, hiking, music, running, spending time with family, traveling, and yoga.

Eugene Mori is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America since 2010. Outside of his advisory role, Mori serves as a successor trustee for family trusts and is a committee member of the Philanthropy Committee at the S and B G School of Nursing. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lauren Halloran is a Wealth Management Advisor with Merrill Lynch Wealth Management and a partner on an international family team at the Wingard Halloran Group in Beverly Hills. She holds the Sports & Entertainment Accredited Wealth Management Advisor™ designation and provides customized wealth management strategies including personalized cash management, credit and lending solutions through Bank of America, N.A. Lauren also leads the Group’s socially responsible investment research and focuses on areas such as college education planning, family wealth management strategies, legacy planning, tax minimization, and values-based investing. Lauren is a multi-generational wealth planner with expertise in the financial needs of entertainment professionals, digital content creators, gamers, and artists. Prior to joining The Wingard Group in 2015, she worked in Digital and Interactive Media at a major Hollywood studio, bringing insight into the evolving landscape of wealth accumulation for individuals in the entertainment and digital industries. She is committed to financial education and supporting the younger generation in managing and preserving their wealth. Lauren graduated Cum Laude from the University of Southern California with a Bachelor of Arts degree in Communications and a minor in Marketing. She holds the California Life Insurance License and maintains professional designations including Chartered Financial Consultant (ChFC) and Personal Investment Advisor (PIA). Her professional affiliations include the Association for Corporate Growth, Jonathan Club, and USC Marshall Alumni Association. In addition, Lauren is involved with community organizations such as Step Up Women's Network and Susan G. Komen Los Angeles. Outside of work, she enjoys running, hiking, cooking, dancing, reading, watching movies, yoga, and traveling.

Jeffrey Tyler is a financial advisor at Merrill with 28 years of industry experience and holds a Series 66 designation. His prior roles include positions at Bank of America, Wells Fargo Clearing, Morgan Stanley Smith Barney, and Principal Global Investors. Outside of his advisory work, he has been involved with Sk8dogltd, LLC and has held academic roles at several universities. 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 individual and institutional clients.

Erica Sugimura is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She has worked with various organizations, including the American Federation of School Administrators and The Howard C. Liebengood Foundation. Outside of her advisory role, Erica contributes as a social media intern for The Addis Clinic, a nonprofit providing healthcare access to East Africa. Merrill, together with its affiliate Managed Account Advisors LLC, offers 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 a combination of model-based and discretionary investment strategies.

Constante Abaya is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 25 years of experience in investment management and professional financial advisory. Since joining Merrill in 2018, he has worked closely with clients to develop personalized wealth plans, integrating corporate benefit programs such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation into long-term financial strategies. His client focus includes college education planning, LGBT wealth planning, liquidity management, retirement income, and tax minimization, among other areas. Prior to his current role, Abaya held positions as an Investment Officer with Nicholas Applegate Capital Management, Portfolio Manager with Brandes Investment Partners, and Vice President Regional Investment Consultant at T. Rowe Price, where he guided financial advisors on portfolio construction and risk management. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Southern California. Abaya is committed to community involvement and spends time volunteering with local organizations. His personal interests include antiquing, biking, and yoga. He emphasizes an approach centered on understanding clients’ values and life goals through one-on-one communication, aiming to help clients pursue their objectives and plan their legacies.

Julia Arujo is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management, Beverly Hills, where she has served since 1984. In her role, Julia provides personalized family wealth management services to affluent individuals, families, and corporate clients. She specializes in developing strategies for asset and liability management, tax minimization, income and asset preservation, and generational wealth transfers. Her approach supports clients in creating, growing, preserving, and transferring wealth in a tax-efficient manner. Julia holds a Bachelor of Arts in Economics from the University of California, Los Angeles, and carries the Personal Investment Advisor (PIA) designation. She is associated with the Alzheimer's Association and involved with Silverado Memory Care. Outside of her professional activities, Julia enjoys ice hockey, painting, photography, and spending time with her family.

Michaela Catlin is a Wealth Management Advisor with Merrill Lynch Wealth Management. She focuses on providing clients with personalized wealth management strategies tailored to their unique financial goals and priorities. Her expertise includes education planning, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Michaela holds a Bachelor's Degree from the Claremont Consortium of Colleges and is a CERTIFIED FINANCIAL PLANNER (CFP) as well as a Personal Investment Advisor (PIA). She brings an international perspective to her work, being originally from Vienna, Austria, and communicates fluently in English, German, French, and Spanish. Michaela leverages advanced tools and a collaborative team of specialists to help clients develop and execute financial strategies aimed at achieving long-term objectives. Outside of her professional role, Michaela is involved in community volunteering and enjoys cooking, skiing, traveling, gardening, and exploring the culinary scene in Los Angeles. Her approach centers on working one-on-one with clients to create strategies that respond flexibly to changing market conditions while focusing on what is meaningful to each individual.

Caleb Dolifka is a financial advisor at Merrill with 12 years at the firm and 8 years of industry experience. He holds a Series 66 designation and is based in Beverly Hills, CA. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Arin Babakhanian is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he assists families, individuals, and business owners in developing long-term financial strategies. He provides personalized financial security advice tailored to clientsconomic and life situations, focusing on matching clients with appropriate financial products and services. His areas of focus include investments, retirement planning, estate planning services, trust services through Bank of America Private Bank, insurance, philanthropic planning, and personal, residential, and commercial lending through Bank of America. Arin began his career with Merrill Lynch Wealth Management in 2013. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His educational background includes a high school diploma from Angelus Merula and attendance at InHolland Rotterdam without degree conferral. He is multilingual, speaking English, Dutch, German, and Armenian. He follows the Merrill tradition of community involvement and spends time volunteering with local organizations. Arin's personal interests include racquetball, reading, and soccer.

Zohrab Nersesyan is a financial advisor at Merrill with a Series 66 designation and nine years of experience at the firm. His prior work includes roles at California State University Northridge and CVS Pharmacy. 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 accounts.