Patrick Kergosien serves as a Senior Resident Director and Wealth Management Advisor at Merrill. He has developed a holistic approach to constructing and managing wealth over more than 35 years of experience. Patrick works closely with clients to create personalized financial strategies that address their full financial picture and adapt to changing market conditions. His expertise includes areas such as college education planning, family wealth management strategies, legacy planning, retirement income, and services for endowments, foundations, and non-profits. Patrick follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Patrick holds a Bachelor's Degree from the University of Southern Mississippi and is a Personal Investment Advisor (PIA). Outside of his professional work, he enjoys fishing, gardening, and hunting.

Jennifer Gates is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she focuses on helping high net worth families accomplish their financial goals. She utilizes investment and banking solutions tailored to each client's risk tolerance, time horizon, liquidity needs, investment objectives, and associated costs. Jennifer also provides access to banking services through Bank of America, including home financing, residential lending, merchant services, and business loans. Jennifer has been working in the investing industry on the Gulf Coast since 2007. Her areas of expertise include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. She holds multiple professional designations including Certified Financial Planner (CFP), Certified Divorce Financial Analyst (CDFA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Jennifer received her bachelor's degree in International Business from the University of Southern Mississippi and earned a master's degree from the College for Financial Planning. She is actively involved in her community, serving with organizations such as Catholic Charities of South Mississippi, First Methodist Church Long Beach, and previously as president of the Kiwanis International Club. In her personal life, Jennifer enjoys reading, running, and yoga, and spends time with her husband and two children.

Richard Mustered is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop strategies aligned with their financial goals. Holding the Professional Investment Advisor (PIA) designation, he supports clients in uncovering their priorities and creating tailored financial plans. Mr. Mustered earned his High School Diploma from Mississippi Gulf Coast Community College.

Mary Baccich is a Series 66 licensed financial advisor with 15 years of industry experience, currently practicing at Merrill since 2019. Prior to joining Merrill, she worked for Tar Heel Basement Systems from 2011 to 2018. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm serves individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Karen Howell is a Series 66-licensed financial advisor with 19 years of industry experience. She has worked at Merrill since 2022 and previously spent five years with Stratos Wealth Partners, LTD. Karen also has two years of experience working at Diberville Middle 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Sharon Bentz Mustered is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she leads her team's investment philosophy, wealth management strategies, and portfolio recommendations. With nearly 29 years of experience at Merrill Lynch, she has built a financial services practice grounded in trust, accessibility, and responsiveness. Her expertise encompasses capital preservation, retirement income, risk management, asset management, estate and trust planning, lending, municipal bonds, and insurance planning. Sharon focuses on delivering personalized wealth management solutions tailored to her clients’ priorities and goals. Sharon was one of the first women in south Mississippi to be named First Vice President–Wealth Management. She holds a Bachelor's Degree from the University of Southern Mississippi and has established the Sharon Bentz Annual Graduate Scholarship to reward a deserving young woman from south Mississippi through the university’s foundation. In addition to her professional commitments, Sharon serves her community as a Harrison County Development Commissioner, appointed by Governors Barbour and Bryant. She is actively involved in organizations such as Make A Wish and Our Lady of Fatima Catholic Church. Outside of her professional and community endeavors, Sharon enjoys basketball, fishing, genealogy, interior decorating, soccer, volleyball, watching movies, writing, and spending time with her husband, Ken, and their three daughters. She emphasizes the importance of understanding her clients’ life priorities to create wealth strategies that align with what matters most to them.

Steve Treutel is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 30 years of experience in the financial services industry, including more than 25 years with Merrill Lynch. Steve focuses on family wealth management strategies, managing new wealth, personal retirement planning, and portfolio management services. His approach to investing emphasizes risk management and is based on assisting clients in clarifying their financial goals, implementing disciplined strategies to achieve those goals, and conducting ongoing reviews to maintain success. Steve holds a Bachelor's degree from the University of Mississippi and an MBA from the University of New Orleans. He has earned the Personal Investment Advisor (PIA) designation. Steve resides on the Mississippi Gulf Coast with his wife, Debbie. He participates in community organizations, including the Gulf Coast Mortgage Banker's Association, the Gulfport Kiwanis Club, and the Hancock County Historical Society. His personal interests include football, genealogy, music, reading, running, and traveling.

William Schenck III is a Senior Financial Advisor at Merrill Lynch Wealth Management. He employs an integrated approach to wealth management, evaluating and coordinating investor needs to manage investments accordingly. William regularly meets with clients to help ensure they are on track to meet their financial goals. William graduated from Mississippi State University with degrees in business management and finance. He began his career in the securities industry in March 2000 and has a focus on physicians and small business owners, emphasizing retirement plans and providing access to banking and lending solutions through Bank of America, N.A. He holds the designation of Personal Investment Advisor (PIA). He is involved with community organizations including Big Brother Big Sister, Biloxi Chamber of Commerce, and The Boys and Girls Club of South Mississippi. William's experience spans mortgage lending, bank management, and financial advising, which enables him to assist clients effectively on both sides of the balance sheet.

Lawrence Adams is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on managing clients' wealth by developing personalized strategies that adapt to evolving market conditions. Leveraging the investment insights of Merrill and the banking and lending solutions available through Bank of America, he aims to help clients pursue their financial goals through comprehensive wealth management. Lawrence holds a Bachelor's Degree from the University of Southern Mississippi and carries the designation of Personal Investment Advisor (PIA). He follows the tradition of Merrill in actively participating in community service and dedicates time to volunteering with local organizations. His philosophy emphasizes the importance of meeting with an experienced financial advisor to discuss retirement strategies regardless of how much time remains before retirement.

Evan Ladner is a Financial Advisor at Merrill Lynch Wealth Management. After serving over a decade in the United States Navy, he transitioned to financial advising with a focus on helping individuals and families pursue their financial goals. He utilizes Merrill's investing insights and access to Bank of America's banking services to support clients in enhancing their financial strategies. Evan works with clients on retirement planning and overall financial strategy by assessing lifetime cash flow needs, risk tolerance, time horizon, liquidity, and goals. He offers wealth planning services integrated with credit, lending, and banking solutions through Bank of America to manage all aspects of clients' financial lives. His client focus areas include college education planning, family wealth management strategies, legacy planning, and managing new wealth. He holds a Bachelor's degree in Economics from the United States Naval Academy and is a Personal Investment Advisor (PIA). Evan is involved in his community through coaching soccer and volunteering with veteran organizations. He resides in Pass Christian with his wife and three children and enjoys boating, camping, fishing, hiking, and spending time with his family.