Patrick Malone is a Wealth Management Advisor and Managing Director with Merrill Lynch Wealth Management, where he has served since 2006. He leads the Malone Vaughn Group, which provides tailored wealth management services to a select group of ultra-high net worth families nationwide, including current or former founders, CEOs, and executives of private or public companies. Patrick applies his experience and insight, leveraging the firm's resources to develop integrated strategies across multiple wealth disciplines such as investment management, retirement and education planning, cash management, and trust and estate planning. Patrick’s expertise includes advising senior executives, business owners, and multi-generational families on complex wealth management challenges. He focuses on helping clients preserve, deploy, and diversify their wealth while maintaining lifestyles through varying economic environments. Patrick holds professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Retirement Planning Counselor (CRPC™), and Personal Investment Advisor (PIA). He earned his bachelor's degree from Siena College and holds professional licenses in Life, Long-Term Care, and Annuities. Beyond his professional work, Patrick is active in community and alumni organizations, serving as co-chairman and member of The American Ireland Fund and participating in the Siena College Alumni Association. He resides in Hingham, Massachusetts, with his wife and two daughters.

Caroline Plansky is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. She previously worked at the University of Georgia and also has experience in the hospitality sector at Red Nun Bar & Grill. Merrill 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.

Mark Joyce is a Senior Financial Advisor and Managing Director with the Joyce Group, part of Merrill Lynch Wealth Management. He holds the position of Senior Vice President within Merrill's Wealth Management department. With forty years of experience, Mark has worked extensively with individuals, family offices, and small businesses to implement disciplined investment strategies. Mark's areas of expertise include executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. He holds a Bachelor's Degree from St. Michael's College and has earned the Personal Investment Advisor (PIA) designation. He has been recognized by Financial Times as one of the "Top 400 Advisors" in 2013, 2016, 2017, and 2018, by Barron's as one of the "Top 1,200 Financial Advisors" from 2018 to 2024, and by Forbes as part of the "Best-in-State Wealth Management Teams" from 2023 to 2026. Outside of his professional work, Mark enjoys boating, golfing, ice hockey, skiing, and spending time with his family.

Caitlin Roos is a financial advisor with Merrill in Boston, MA, holding a Series 66 designation and 10 years of industry experience. She has been with Merrill and Bank of America since 2015. Outside of her advisory role, Roos is involved in several nonprofit and community activities, including serving as a committee member for Tina's Wish, a board member of Gore Place, and participating in school and professional networking groups. 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.

James O'Brien is a Financial Advisor and Portfolio Advisor with Merrill Lynch Wealth Management. He is a member of the Fahey/O'Brien Group, where he contributes to delivering customized financial strategies tailored to clients' individual goals and values. His approach emphasizes understanding clients' priorities to enhance their overall financial well-being. O'Brien holds a Bachelor's Degree from Boston University and a High School Diploma from Thayer Academy. He possesses the Personal Investment Advisor (PIA) designation and is licensed with the Series 7, Series 66, and SIE certifications. Additionally, he is involved with the Boston University Athletics Young Alumni Council. His client focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. Outside of his professional responsibilities, O'Brien enjoys fishing, golfing, and music.

Maxwell Dobrushkin is a Wealth Management Advisor and partner at The Dobrushkin Group, part of Merrill Lynch Wealth Management. He joined Merrill in 2016 and focuses on helping individuals, families, and business owners navigate complex financial challenges with advice across wealth planning and investment needs, including cash management, portfolio construction and implementation, and retirement income planning. Maxwell holds a Bachelor’s degree from The Ohio State University and an MBA with Honors from Boston University’s Questrom School of Business. He is a CERTIFIED FINANCIAL PLANNER® professional and has earned a Graduate Certificate in Financial Planning from Boston University. He is also a Merrill qualified Portfolio Manager and Personal Investment Advisor, enabling him to manage client portfolios on a discretionary basis. Outside of his advisory role, Maxwell is involved in professional organizations including the Boston Economic Club, the Boston Committee on Foreign Relations, and CFA Society Boston. He enjoys skiing, traveling, and spending time with his family. Maxwell was recognized by Forbes as one of "America’s Top Next-Gen Wealth Advisors Best-in-State" in 2025 and 2026, and his team has been named among Forbes’ "Best-In-State Wealth Management Teams" for three consecutive years.

Liam Mc Carthy is a Financial Advisor with the Pimental Radler Cohen Group at Merrill Lynch Wealth Management. The group oversees $1 billion in client balances as of March 31, 2026, and was named to the Forbes 2026 "Best-In-State Wealth Management Teams" in Massachusetts. Liam creates customized financial plans and strategic investment portfolios aimed at delivering long-term value and financial confidence for his clients. He works primarily with professionals such as physicians, scientists, engineers, senior technology leaders, portfolio managers, and other investment professionals across healthcare, biotechnology, pharmaceutical, technology, and investment sectors. Liam helps clients navigate liquidity events, equity compensation, complex financial decisions, and long-term planning by employing target asset allocation frameworks, advanced risk management techniques, and tax-efficient management strategies to reduce the impact of market volatility. Liam holds a Bachelor's Degree from the University of Massachusetts and holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, he has interests including basketball, boxing, chess, gardening, golfing, music, pottery, reading, soccer, and swimming.

Sean Kolloff is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, and retirement income. Sean works collaboratively with clients to develop personalized financial strategies tailored to their long-term goals, leveraging the investment insights of Merrill and the banking solutions of Bank of America. He holds a Bachelor's Degree from the University of Miami and has earned multiple professional designations, including Certified Exit Planning Advisor (CEPA), Chartered Market Technician (CMT), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Sean is also active in his community, volunteering with organizations such as Angel Flight NE and the Concussion Legacy Foundation. Outside of his professional work, he enjoys gardening, golfing, and sewing.

Rory Mc Cullough is a financial advisor at Merrill with Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Merrill in 2025, he worked at Citigroup and Fidelity Investments. He also has experience in various roles outside the financial sector, including positions at Providence College and involvement with a creative studio and an international company. Merrill, in partnership with 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, and institutional accounts, with an emphasis on strategic asset allocation and tax-aware options.

Valeria Pankey is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Her prior work includes roles at Fidelity Investments, Roessel Joy, Alo Yoga, Lemon & Thyme, Lululemon Athletica, and Florida State University. 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.

Michelle Bedard is a financial advisor at Merrill in Boston, MA, holding Series 63 and Series 66 licenses with 12 years of industry experience. She has been affiliated with Bank of America and Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1995. 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.

Denis Hamboyan is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He brings over a decade of experience in banking, financial services, and financial advising, with a background rooted in wealth management. Denis’s professional history includes roles at Bank of America/Merrill, State Street Corporation, Brown Brothers Harriman, and a FinTech startup, where he developed skills in customer service, operations, and financial analysis. Denis specializes in retirement planning for individuals and families, particularly those from biotech, pharmaceutical, and scientific fields. He also provides guidance for younger clients on college planning, tax-efficient investment strategies, and comprehensive goal-based financial planning. His approach emphasizes a client-first philosophy that incorporates cash flow analysis, risk tolerance assessment, and investment selection aimed at maximizing tax efficiency in both taxable and retirement accounts. He holds FINRA Series 7 and 66 registrations, Massachusetts Life, Accident, Health, and Sickness Insurance Licenses, and the designations of Chartered Retirement Planning Counselor™ (CRPC™) and Accredited Wealth Management Advisor™ (AWMA™). Denis earned his bachelor's degree from the University of Massachusetts Amherst and is associated with the College For Financial Planning. Outside of work, he enjoys golfing, skiing, hiking, fishing, and traveling, and spends time with his family in Massachusetts, Maine, and across New England.

Ryan Shen is a Financial Advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, and portfolio management services. Originally from Connecticut, Ryan transitioned his career to Boston in 2024. He works primarily with individuals and families, developing customized wealth management and retirement planning strategies. Ryan holds a Bachelor's Degree from Bentley University and has earned the Personal Investment Advisor (PIA) designation. He is fluent in English and Spanish, enabling effective communication with a diverse client base. His investment journey began in high school with stock trading, which has informed his approach to financial advising. Outside of work, Ryan enjoys a range of activities including baseball, chess, cooking, football, golfing, reading, spending time with his family, tennis, and watching movies. His dedication to understanding clients' personal goals allows him to provide tailored advice for investing, retirement planning, and saving for unexpected events.

John Wyman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2007 and brings over 40 years of experience to his role. John focuses on providing clients with individually tailored investment management strategies. His expertise includes advising clients on wealth accumulation, preservation, and transfer, with particular emphasis on tax minimization and asset preservation. He collaborates closely with clients and their family advisors, such as accountants and attorneys, to deliver comprehensive wealth management solutions. John earned the Certified Investment Management Analyst (CIMA) designation from the Wharton School of Business at the University of Pennsylvania and holds a Bachelor's Degree from Southern Connecticut State University. He is also a Personal Investment Advisor (PIA). Outside of his professional work, John is involved with the Marilyn Dugan Foundation. He and his wife Val have six children and twelve grandchildren.

Eric Lowrey is a financial advisor with Merrill in Boston, MA, holding Series 63, 65, and 66 licenses and 21 years of industry experience. He has worked at Bank of America and Merrill since 2012. Outside of his advisory role, he serves as Vice President of The Massachusetts 9/11 Fund, a nonprofit supporting families affected by the September 11, 2001 attacks. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Leigh Boisture is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, Leigh provides guidance and support to clients in managing their financial assets and planning for their financial futures. Leigh holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA), reflecting expertise in financial planning and investment advisory services. Leigh earned a Bachelor's Degree from Vanderbilt University.

John Vaughn is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with high net worth individuals and families nationwide, providing wealth management services and specialized advice in areas such as retirement and education planning, investment and cash management, equity compensation analysis, and credit and lending through Bank of America, N.A. John manages the Retirement and Employee Benefits practice, consulting with public and private companies on the implementation and ongoing management of their 401k plans through the Merrill Fiduciary Advisory Services platform. His expertise includes working with Section 16 insiders, business owners, and various forms of equity compensation. He holds a Bachelor's Degree from DePauw University and maintains several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Equity Plan Consultant (EPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). John is actively involved with the Boys and Girls Clubs of Boston, serving on the Board of Trustees and the Friends Council Leadership Committee, and participates in the Boys and Girls Club of Charlestown. In his personal time, he enjoys biking, golfing, running, skiing, swimming, and spending time with his family.

Karin Bielecki is a Wealth Management Advisor at Merrill Lynch Wealth Management with more than 30 years of experience in the financial industry. She is a CERTIFIED FINANCIAL PLANNER® professional who focuses on helping clients navigate major life transitions through personalized financial strategies. Karin works with individuals on retirement planning, portfolio management, and women’s wealth, aiming to support long-term, multigenerational financial goals. Her career began in insurance and banking, and she joined Merrill Lynch Wealth Management in 2006. Karin has also taught personal finance classes and values ongoing financial education for her clients. She holds a high school diploma from Glenbard North High School, a bachelor's degree from North Central College, and a master's degree from the University of Phoenix. Her professional designations include CFP and Personal Investment Advisor (PIA). Outside of her professional work, Karin supports the Northern Illinois Food Bank and has contributed to community initiatives such as sewing clothing for Dress-a-Child and teaching sewing to Girl Scout troops. She enjoys activities including cooking, gardening, knitting, photography, reading, sewing, and traveling. Karin and her husband, Mark, have been married since 2008.

Nicholas Spinelli is a financial advisor at Merrill with one year of industry experience and holds a Series 66 designation. He has prior experience at Bank of America, N.A. and Dell EMC, and has been affiliated with Merrill since 2019. He is also connected to academic institutions including Boston College and Bentley University. 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 for individuals, high-net-worth clients, and institutional investors, combining internal and third-party portfolio management with custodial support.

Samuel Fuentes Escarcega is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Prior to joining Merrill in 2021, he worked at Bank of the West and T-Mobile. Outside of his advisory role, he co-owns a rental property with his wife through a limited liability company. 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.