Thomas Stetser is a financial advisor with Merrill in Bloomfield Hills, MI, holding a Series 66 designation and nine years of industry experience. He has worked at Bank of America and Merrill Lynch since 2017. Outside of his advisory role, he serves as a director for the E William and France Kenyon Foundation, a charitable organization focused on religion, children, literacy, and animals. 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 investors, and charitable organizations.

Antoneta Berishaj is the Sales Manager for the Greater Houston Market at Merrill Lynch Wealth Management. She joined Merrill Lynch in 2000 and has held roles including Complex Administrative Manager overseeing offices in Texas and Louisiana. Her background as a registered FINRA Principal Supervisor contributes to her comprehensive understanding of risk management in wealth advisory. Her expertise encompasses family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization, among other areas. Antoneta holds FINRA registrations including Series 3, 7, 9, 10, and 66, and maintains licenses with the Texas Department of Insurance and the National Mortgage Licensing System (NMLS ID:1163440). She earned a Bachelor's degree in Applied Arts and Sciences from Lamar University. Antoneta resides in Spring, Texas with her wife and three children. She is involved with the Klein Independent School District and has personal interests that include boxing, fishing, and music.

Patricia Kresmery is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 63 and Series 66 credentials and 38 years of industry experience. She has been with Merrill since 2010. Outside of her advisory work, she is the managing member of EJS Closet LLC, a limited liability company that sells estate jewelry online. 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.

Mark O'Donnell is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Bloomfield Hills, Michigan. Since joining Merrill in 2000, he has concentrated on developing long-term relationships and assisting clients with various aspects of their financial lives. Mark provides a broad array of services, including portfolio development, 529 college investing plans, home mortgages, home equity lines of credit, securities-based loans, commercial loans, retirement plans, tax minimization strategies, and asset preservation with an emphasis on annuities to help secure retirement income. In his role as a Senior Portfolio Advisor, he manages discretionary custom investment strategies and selects from Merrill model portfolios and third-party investment options. Mark holds a bachelor's degree in General Studies from the University of Michigan at Ann Arbor and an MBA with a concentration in finance from Wayne State University in Detroit. He has earned the Chartered Retirement Planning Counselor (CRPC) designation and holds Merrill’s internal titles of Wealth Management Advisor and Senior Portfolio Advisor. His professional credentials include Series 7 and 66 FINRA registrations, life insurance licensing, and mortgage loan originator licensing (NMLS ID 535537). Residing in Birmingham, Michigan, Mark lives with his wife Barbara and their sons, Connor and Liam. He participates in community activities such as volunteering and is involved with organizations including the Pierce Elementary PTA in Birmingham and local initiatives like the Boy Scouts and baseball.

Kareem Chehab is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing personalized financial strategies to clients. He works closely with individuals to identify their financial goals and develop tailored portfolio strategies aimed at addressing a range of priorities, including home buying, education funding, elder care, and healthcare planning. Kareem holds a Bachelor's Degree from the University of Michigan System and has earned the Personal Investment Advisor (PIA) designation. He offers ongoing advice and guidance to adapt clients' portfolios in response to changing needs, serving as a resource for investing, retirement planning, and other financial matters. Additionally, he can connect clients with Bank of America specialists for banking, credit, home financing, and small business solutions. Committed to understanding what matters most to his clients and their families, Kareem emphasizes a collaborative approach to help pursue their short-, mid-, and long-term financial goals.

Scott Schropp is a financial advisor with Merrill in Bloomfield Hills, MI, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. He has been with Merrill since 2000 and concurrently with Bank of America, N.A. since 2011. Outside of his advisory role, Schropp is involved with the Schropp Family Fund, a donor-advised charitable organization affiliated with the Saginaw Community Foundation. 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 institutions.

Jill Governale is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has been with Merrill and Bank of America since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies constructed by internal and third-party managers and supports trading, account administration, and custody.

Jordan Ingram is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing tailored wealth management strategies to high-net-worth clients, focusing on areas including corporate benefits, executive compensation, family wealth management, personal retirement planning, portfolio management, and tax minimization. Jordan leverages his extensive market knowledge and experience to offer advice on estate planning, traditional banking, lending, and investments. Jordan began his career at the Chicago Board of Trade, where he managed U.S. Treasury cash and derivative positions and traded cash bonds and derivatives for over five years. After nearly a decade immersed in global markets and research, he transitioned to JP Morgan Private Bank, managing investment relationships for high-net-worth individuals for nine years. He subsequently joined Merrill Lynch, dedicating himself to client needs and simplifying complex financial situations. Jordan holds a degree in Finance from Oakland University and professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Outside of his professional commitments, Jordan coaches mini mite/mite hockey for the Birmingham Hockey Association and is involved with The Community House. He spends his free time with his wife, Sarah, and their three children, engaging in activities such as hockey, golf, and traveling.

Kenneth Cylkowski is a financial advisor with Merrill, holding Series 63, Series 65, and Series 66 designations and 26 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2016. 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, providing a variety of model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Joseph Mastroberto is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings a veteran's perspective to the financial services industry, having begun his career in 1996 as a retirement consulting actuary. In 2004, Joseph joined Merrill to extend his expertise to individual and small business investors, focusing on retirement planning, wealth management, and investment strategies for both individuals and corporations. Before joining Merrill, Joseph spent nine years advising companies on the design, implementation, and valuation of retirement programs. His approach to financial advising emphasizes a comprehensive and systematic methodology tailored to each client's risk tolerance, time horizon, liquidity needs, and investment goals. He works alongside other Merrill specialists to address clients' total financial picture, including retirement preparation, education savings strategies, portfolio management, wealth preservation, and wealth transfer planning. Joseph earned a Bachelor of Science degree in Mathematics from the University of Michigan. He holds the Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) designations. In his personal time, Joseph enjoys ice hockey, reading, and tennis.

Derick Grembi serves as a Private Wealth Advisor at MKG & Associates within Merrill Private Wealth Management. He brings over 30 years of experience in financial services, focusing on investment analysis and implementation, wealth strategy, and portfolio management. Derick's primary role involves developing custom portfolio strategies tailored to the unique and evolving needs of families. He provides strategic vision, investment oversight, and relationship leadership, guiding the firm's investment philosophy and portfolio strategy. Before joining Merrill in 2014, Derick was a Director and Portfolio Manager at BlackRock's Private Investors Group, where he customized investment strategies for high net worth clients and institutions. He holds the Chartered Financial Analyst (CFA) designation, the CERTIFIED FINANCIAL PLANNER (CFP) certification, and the Personal Investment Advisor (PIA) credential. Derick earned a Bachelor's degree from Oakland University and is a member of professional organizations including the CFA Institute. Derick is recognized for his contributions to wealth management, having been named to the Forbes "Best-in-State Wealth Advisors" list for five consecutive years. He is active in his community, serving on the boards of Men of the Sacred Heart and Legatus. Derick resides in Rochester Hills, Michigan, with his wife Diane and their seven children, often spending time coaching their sports teams.

John Moran is a Financial Advisor and Portfolio Advisor at Merrill Lynch Wealth Management. He serves as a resource to business owners, executives, and wealthy families, assisting them in navigating complex financial situations to achieve their financial goals. His expertise includes executive compensation, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. John's approach involves understanding clients' priorities through thoughtful conversations, followed by designing and implementing personalized financial plans. He and his team provide a comprehensive experience that covers family wealth planning, tailored investment strategies, retirement and cash flow planning, tax-aware investing, legacy planning, banking, lending, and charitable giving strategies. He holds a Bachelor's Degree in Finance from Michigan State University and has earned the Personal Investment Advisor (PIA) designation. John is involved with the Brother Rice High School Alumni Association and the Michigan State University Alumni Association. His community involvement includes contributions to the Capuchin Soup Kitchen and the Gleaners Community Food Bank of Southeastern Michigan. Outside of work, John enjoys basketball, boating, fishing, football, pickleball, swimming, and spending time with his family.

Steven Briggs is a Wealth Management Advisor with over 40 years of experience, all of which have been with Merrill Lynch Wealth Management. He specializes in serving clients including business executives, owners, and professionals, focusing on investment advisory, cash management, and life cycle planning services. Steve leads The Briggs Group alongside financial advisor Jennifer Mains and client service associate Amy Irish, providing a comprehensive approach to clients' financial well-being. Throughout his career, Steve has developed many long-term client relationships that often span generations. He is recognized for his commitment to addressing a wide range of client needs such as estate planning, customized lending, and long-term care expenses. His approach includes ongoing client contact and adapting strategies to meet evolving financial goals. Steve holds multiple professional designations including CERTIFIED FINANCIAL PLANNER®, Certified Investment Management Analyst® (CIMA®), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor of Arts degree from Vanderbilt University and graduated from Culver Military Academy. He is a member of the Sigma Nu Fraternity and is involved with the Furniture Bank of Southeastern Michigan. Steve resides in Orchard Lake, Michigan, with his two grown children.

Samuel Impastato is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he provides goals-based wealth management services to affluent families, accomplished professionals, and successful business owners. He specializes in delivering personalized retirement plan solutions designed to address the pre- and post-retirement needs of small business owners and their employees, supporting 401(k) sponsors with investment options, education, and plan services. His client focus areas include divorce transition planning, family wealth management strategies, legacy planning, LGBT wealth planning, tax minimization, and retirement income. Samuel earned a Bachelor of Business Administration in Finance and Economics from Michigan State University. He holds several professional designations, including the Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC), underscoring his expertise in retirement planning and fiduciary responsibilities. In addition to his professional work, Samuel is active in his community and professional organizations. He is a member of the Detroit Athletic Club—where he serves on the Finance Committee—and the Red Run Golf Club, serving on the House Committee. He has also been involved with the Troy Kiwanis Club. In his free time, he enjoys golf, traveling, great food and wine, and spending time with family and friends.

Jennifer Goodman is a Series 66 licensed advisor with Merrill in Bloomfield Hills, MI, with eight years of industry experience. She has worked at Bank of America, NA and Merrill since 2018 and previously spent 11 years at Fifth Third Bank. 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, and institutional investors.

Andrew McGuire is a Senior Financial Advisor and Associate Partner with MK Private Wealth, where he provides wealth management solutions to high net worth corporate and medical professionals, private equity professionals, and attorneys preparing for and transitioning to retirement. He also addresses the needs of the rising generation for many ultra-high net worth families served by his team. Prior to rejoining MK Private Wealth in 2018, Andrew worked in an advisory and planning capacity at Plante Moran Financial Advisors, supporting executives and business owners. Andrew's approach involves developing and implementing comprehensive wealth management plans to help clients achieve their goals amidst today's uncertain political, economic, and social environment. He collaborates closely with clients to make informed decisions and often serves as an objective second opinion within a top wealth management team. Andrew holds a Bachelor of Science in Finance from Oakland University and maintains FINRA Series 7, Series 63, and Series 65 registrations, as well as Life, Accident, and Health insurance licenses in Michigan. He has also earned the Personal Investment Advisor (PIA) designation. Outside of his professional role, Andrew serves as a Deacon and member of the Praise Team at Christ Community Church in Sterling Heights, Michigan, and is a member of the Detroit Athletic Club. He enjoys spending time with his wife, Samantha, and being on the golf course.

Thomas Konopka is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides personalized financial planning services tailored to each client's specific goals and needs. His approach emphasizes simplicity and transparency in wealth planning to help clients pursue personal objectives such as retirement income, college education funding, and family wealth management. Thomas has expertise in areas including tax-efficient wealth building, retirement planning, corporate benefits, and managing new wealth. He focuses on helping clients meet retirement, educational, and legacy needs through customized strategies. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Lake Superior State University. Outside of his professional work, Thomas enjoys basketball, boating, fishing, reading, spending time with his family, and traveling.

Mark Geraghty is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Mark's approach to financial advising centers on working closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals. He holds a Bachelor's degree from Western Michigan University and has obtained the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Mark has been with Merrill since 2008, bringing extensive experience in wealth planning, advice and guidance, and portfolio construction. Outside of his professional role, Mark is involved with community organizations including St Regis Catholic School, Birmingham Little League Baseball, and USA Hockey. His personal interests include baseball, cooking, golfing, ice hockey, photography, reading, spending time with his family, and practicing yoga.

Stevi Edmunds is a financial advisor at Merrill Lynch Wealth Management specializing in personal retirement planning, family wealth management strategies, legacy planning, education planning, and retirement income. She is dedicated to helping individuals, families, and businesses achieve their financial goals through a client-centric approach that focuses on creating personalized wealth management strategies. Her expertise includes investment planning, tax-efficient strategies, and risk management. Stevi holds a Bachelor's Degree from Franklin College and maintains professional designations including Accredited Asset Management Specialist (AAMS), CERTIFIED FINANCIAL PLANNER® (CFP), and Personal Investment Advisor (PIA). She emphasizes building long-term relationships based on trust and integrity, tailoring financial plans to each client's unique perspectives and priorities. As a Merrill advisor, she aims to connect all aspects of her clients’ financial lives to help prioritize and pursue their most important goals. Beyond her professional work, Stevi is involved with Rotary and enjoys boating, fishing, and spending time with her family.

Mary Lester is a financial advisor with Merrill in Bloomfield Hills, MI, holding a Series 66 designation and six years of industry experience. She has been affiliated with both Merrill and Bank of America since 2012. Outside of advisory work, she is involved with Silver Tree Creations LLC as a digital template designer and assists with social media promotion and account balancing for the business. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and various institutions.