Michael Villafane is a financial advisor with Merrill in Boston, MA, holding Series 63 and Series 66 designations and nine years of industry experience. His work history includes roles at Bank of America, Merrill, South End Partners, Boston University, Fidelity Brokerage Services, and Atlantic Respiratory Services. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Kevin Roszkowski is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1987 and has been with Merrill Lynch since 1990. Kevin specializes in developing strategies for high-net-worth individuals, their families, and their businesses to help them pursue their short- and long-term financial goals. Kevin's consultative approach to wealth management involves a thorough review of clients' financial situations, preferences, and goals. He provides personalized recommendations for asset allocation and engages in ongoing discussions covering investments, retirement, estate planning, and philanthropy. As a qualified Portfolio Manager, he manages customized investment strategies that may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party strategies, sometimes on a discretionary basis. Kevin holds a Bachelor's Degree in Business Management from the University of Arkansas, where he was a four-year letterman on the swim team. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of work, Kevin enjoys boating, cooking, fishing, music, scuba diving, skiing, swimming, and spending time with his wife Stacey and their sons Kyle and Cole.

Ryan Palmer is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2019, following positions at Bank of America Private Bank and Brown Brothers Harriman. Palmer serves as a committee member for The Ireland Fund, a charitable organization based in Boston. 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 individual and institutional clients.

Christian Kemp is a Private Wealth Advisor with Merrill Private Wealth Management, bringing over 30 years of experience in the financial services industry. He began his career in 1991 and joined Merrill in 1993, initially working in the estate planning department. Since 1995, he has been a part of The Sharma Group, where he assists in developing new client relationships and managing existing ones. His work includes creating wealth management and insurance strategies for individuals and businesses, providing estate planning services, and offering access to Bank of America's liability management and financing solutions. Christian holds a bachelor's degree in business from North Adams State College. He has earned multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst® (CIMA), and CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA). His expertise encompasses corporate executive services, family wealth management strategies, legacy planning, liquidity management, and retirement income planning. Outside of his professional role, Christian is involved with The American Cancer Society and breast cancer care and awareness. He resides in Easton, Massachusetts, with his three children Benjamin, Timothy, and Allison.

Patrick Carlucci is a financial advisor with Merrill in Boston, MA, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has worked at both Bank of America, N.A. and Merrill since 2013. 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.

Dyan Goodwin is a financial advisor at Merrill with 40 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill since 2009, concurrently affiliated with Bank of America since 2004. Outside of her advisory role, she owns a realty trust in Boston for estate planning purposes. 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 individuals, high-net-worth clients, and institutional investors.

Daniel Heyman is a Senior Financial Advisor at Merrill Lynch Wealth Management and a part of Peterson Heyman & Associates. He serves as a Senior Portfolio Advisor and holds the Chartered Retirement Planning Counselor™ (CRPC) designation as well as the Personal Investment Advisor (PIA) credential. Daniel has been with Merrill Lynch Wealth Management since 2011, bringing over a decade of experience in assisting clients with investment strategies and wealth management. Daniel's expertise includes college education planning, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible investing, values-based and ESG investing, women and wealth, tax minimization, and retirement income. He focuses on helping clients understand their investment needs and delivering investment processes designed to achieve their financial goals consistently. Working alongside Wealth Management Advisor Matt Peterson, Daniel is part of a team dedicated to providing advice and service that addresses the dynamic retirement landscape and market conditions. Daniel holds a Bachelor's Degree from Hamilton College and a Master's Degree from New York University. Outside of his professional role, he has interests in basketball, chess, football, hiking, music, reading, running, skiing, and spending time with his family.

Amit Chandra is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2017. Prior to that, he was with Crow Point Partners from 2012 to 2017. 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 strategies for individuals, high-net-worth clients, and institutional investors, with portfolio implementation that includes strategic asset allocation and tax-aware options.

Connor Murray is a financial advisor at Merrill with 12 years at the firm and 10 years of industry experience. He holds a Series 66 designation and is based in Boston, MA. 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 strategies designed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mercedes Shea is a financial advisor with Merrill in Boston, MA, holding a Series 66 license and having seven years of industry experience. She has been with Merrill and Bank of America since 2010. Outside of her advisory role, she co-owns and assists with marketing for a family-owned restaurant, CK Pearl, in Essex, Massachusetts. 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 individuals, high-net-worth clients, and institutional investors.

Briana Hanson is a financial advisor with Merrill in Boston, MA, holding a Series 66 designation and six years of industry experience. She has been with Merrill since 2019 and previously worked at Synchrony Capital GP and Boston University. Outside of her advisory role, she is associated with a family business entity, Seaport Sanctuary LLC, but does not have an active management role. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Melissa Hennessey is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 20 years of experience in financial services. She began her career on the banking side for 12 years before transitioning into investments, providing a well-rounded perspective to client financial lives. Melissa holds multiple industry licenses, including the SIE, Series 6, 7, 63, and 65 FINRA registrations, as well as Life and Health Insurance licenses. She is also pursuing a Bachelor's degree in Financial Planning through Southern New Hampshire University. Melissa holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She works closely with individuals, families, and business owners to develop personalized wealth management strategies. Her client focus areas include college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, women and wealth, sports and entertainment, and retirement income. Outside of her professional work, Melissa's personal interests include cooking, gardening, hiking, reading, spending time with her family, traveling, and watching movies. She emphasizes a planning-driven approach grounded in listening first, offering clear guidance and proactive support as clients' lives and goals evolve.

Jason Jani serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, where he focuses on delivering personalized wealth management strategies to high-net-worth individuals, families, and business entities. Based in downtown Boston, he provides services to clients across the greater Boston area and throughout the country. Jason integrates goal-based financial planning and asset management to assist clients in pursuing their long-term financial goals. Jason's approach centers on fostering meaningful client relationships through comprehensive education, meticulous planning, and decisive action. His areas of expertise include family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. He holds the Personal Investment Advisor (PIA) designation. He earned a Bachelor's Degree from Fairfield University. Outside of his professional role, Jason spends time with his family and engages in activities such as basketball, boating, golfing, photography, and soccer. He is also involved in community volunteering, consistent with Merrill's tradition of service.

Timothy Lyons is a Senior Financial Advisor with Merrill Lynch Wealth Management, focusing on serving highly accomplished executives in the biosciences field in the Boston area. He aligns clients' goals with their finances by creating and updating personalized financial plans that simplify their financial lives and help them focus on what matters most. With 13 years of experience in finance, Timothy specializes in a range of client focus areas including college education planning, corporate executive services, family wealth management, managing new wealth, portfolio management, socially responsible investing, tax minimization, and retirement income strategies. He and his team approach financial planning by understanding the complexities of clients' balance sheets and integrating them into customized financial strategies. Through partnerships with qualified specialists, they provide access to banking, lending, and asset management services tailored to individual plans. Timothy holds a Bachelor's degree from Endicott College and professional designations including Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). In his personal time, he enjoys golfing, hiking, and volleyball.

James Adelman is a financial advisor based in Boston, MA, affiliated with Merrill. He holds a Series 66 designation and has four years of industry experience. Prior to joining Merrill in 2020, he worked at Bentley University from 2016 to 2020. Merrill 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 developed by internal and third-party managers.

Paul Mc Auliffe Jr. is a financial advisor with Merrill in Boston, MA, holding a Series 66 designation and five years of industry experience. He has worked at Bank of America and Merrill since 2021. 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 individuals, high-net-worth clients, and institutional investors.

Rachyl Mosley is a financial advisor with Merrill based in Boston, MA, holding a Series 66 designation and seven years of industry experience. She has worked with Merrill since 2018 and previously spent time at J. Derenzo Co. from 2017 to 2018. She also has a background working at the University of Alabama from 2014 to 2018. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Connor Mc Guirk is a Private Wealth Advisor with Merrill Private Wealth Management, having joined the firm in 2023. He collaborates with new and existing clients to develop and implement customized wealth plans aimed at fulfilling multi-generational wealth objectives. Connor's role encompasses working closely with business owners, entrepreneurs, executives, and multi-generational families to address complex financial decisions, including liquidity event planning, business owner planning, tax-efficient wealth strategies, retirement planning, estate planning coordination, and family wealth transfer. Before joining Merrill, Connor served as a Senior Internal Consultant at Eaton Vance Asset Management, where he supported Private Wealth Advisors across the Mid-Atlantic and New England regions by assisting with asset allocation, high-net-worth investment solutions, and client presentations. He holds a Bachelor's degree in Political Science from the College of the Holy Cross, obtained in 2017, and has earned the Personal Investment Advisor (PIA) designation. Connor resides in Charlestown with his wife, Caity, and their puppy, Birdie. His personal interests include cooking, golfing, hiking, ice hockey, music, skiing, and yoga.

Donald Cregg Jr. is a financial advisor at Merrill with 25 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses and has been with Merrill since 2009. Prior to that, he worked at Bank of America N.A. beginning in 2008. 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.

Clare Sheehan is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes ten years at Morgan Stanley and Morgan Stanley Private Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.