Frederic Golden is a financial advisor with Merrill in Bradenton, Florida, holding a Series 66 credential and 20 years of industry experience. He has worked at Merrill since 2006 and concurrently with Bank of America since 2015. Outside of his advisory role, he serves as a general partner and managing member of Golden Dynasty, LLC, an entity formed to manage family-related business matters, and acts as a fiduciary in a guardianship capacity. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Brameister is a Senior Financial Advisor with Merrill Lynch Wealth Management. With 27 years of experience as a financial advisor on the west coast of Florida, he focuses on helping clients prepare for their financial futures through goal-based planning. He works closely with clients to define essential, important, and aspirational goals, then formulates and annually reviews strategies designed to meet those goals in a prudent and responsible manner. Rob’s areas of expertise include personal retirement planning, portfolio management, legacy and family wealth management strategies, socially responsible and ESG investing, college education planning, and retirement income planning. He advises clients on a range of financial products to assist with capital growth, income production, long-term care insurance, and estate planning. As a fifth generation Floridian and 51-year resident of Manatee County, Rob is deeply connected to his community and alongside his wife Krista, actively supports local non-profit organizations. Rob earned his Personal Investment Advisor (PIA) designation and holds a High School Diploma from Southeast High School. Outside of his professional work, he enjoys spending time outdoors boating, fishing, camping, hiking, and attending local sporting events with his family.

David Cohen is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been involved in the financial services industry since 1998 and joined Merrill Lynch Wealth Management as a Financial Advisor in 2002. David focuses on working with high-net-worth clients and their families, emphasizing a planning-based approach to help them understand and achieve financial independence. His primary areas of focus include Retirement Income Planning, Portfolio Management, and Wealth Transfer. He collaborates closely with clients' tax and legal advisors to deliver comprehensive wealth management plans. David holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He maintains several registrations with the Financial Industry Regulatory Authority (FINRA) and holds Life, Health, and Long-Term Care insurance licenses. He earned a Bachelor of Science degree in Finance from the University of Tampa and completed the Wharton Business School Executive Education Program. Outside his professional role, David is an avid sport fisherman and a US Coast Guard licensed Captain. Over more than two decades, his practice has become multi-generational, serving clients across several family generations.

Stephen Jerome is a Wealth Management Advisor and partner in the Polis Jerome Group at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2004 and holds the CERTIFIED FINANCIAL PLANNER™ (CFP) certification, which he earned in 2006. Mr. Jerome’s expertise includes college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Before joining Merrill Lynch, he owned a marketing business in the Atlanta, Georgia area for six years. Stephen earned a Bachelor of Science degree in Business Administration with a concentration in Finance from Samford University. He resides in Bradenton with his wife, Jennifer, and their three daughters. Outside of work, he enjoys golfing, traveling, and spending time with his family.

Trent Cowieson is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Trent earned his Bachelor's Degree from Florida Gulf Coast University.

Sarah Jackson is a Series 66 licensed advisor with Merrill in Bradenton, Florida, where she has worked since 2006. She has 13 years of industry experience. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Christopher Dandrow is a Financial Advisor with Merrill Lynch Wealth Management. He provides goals-based wealth management services to affluent families, accomplished professionals, and successful business owners, working alongside a team of specialists. Christopher focuses on cultivating long-lasting relationships by delivering customized advice, exceptional service, and a disciplined investing approach. Before entering wealth management, Christopher spent over 15 years as a P.G.A. Golf Professional, working at several prestigious clubs across the country. He holds a Bachelor's Degree from Cortland State and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional career, Christopher enjoys golfing, traveling, great seafood, and family-related activities. He is committed to understanding clients' values and goals to help them pursue their life objectives and plan their legacy.

Tram Nguyen is a Client Experience Advisor with Merrill Lynch Wealth Management. In this role, she collaborates with clients to understand their financial situations and introduces solutions available through Merrill and Bank of America. Her objective is to empower clients with the knowledge and tools needed to manage their financial lives and select appropriate platforms. She holds professional designations as an Accredited Asset Management Specialist (AAMS) and a Personal Investment Advisor (PIA). Tram earned her Bachelor's degree from Keiser University. Her approach centers on helping clients identify what matters to them and their families to develop strategies that pursue their financial goals.

James Desmond is a Financial Advisor with Merrill Lynch Wealth Management. He holds the Chartered Retirement Planning Counselor (CRPC) designation. James Desmond earned his Bachelor's Degree from the University of South Florida - Saint Petersburg.

Chris Zabawski is a financial advisor at Merrill with 18 years of industry experience. He holds the Series 63 and Series 66 licenses and has been with Merrill since 2015. 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.

Thomas Grubb is a financial advisor with Merrill, holding a Series 66 designation and over 25 years of industry experience. He has been with Merrill since 2007 and has concurrently worked with Bank of America since 2015. Outside of his advisory role, he holds power of attorney positions in non-investment-related entities. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Edward Luecke is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on assisting individuals and families with a range of financial services, including corporate executive services, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, and retirement income. Edward and his team employ a disciplined process to help clients achieve long-term financial success. This process involves creating tailored financial plans to provide clarity and confidence, building and managing diversified portfolios adaptable to various market conditions, simplifying clients' financial lives by serving as a trusted resource, and delivering direct personal service. Their work emphasizes fostering financial well-being and building multigenerational relationships anchored on trust and consistent service. Edward holds a Bachelor's Degree from the University of Rhode Island and has earned professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Outside of his professional role, he has personal interests that include antiquing, cooking, fishing, painting, scuba diving, and traveling.

Jacqueline Luckner is a financial advisor with Merrill in Bradenton, FL, holding Series 63, 65, and 66 designations and 21 years of industry experience. She has been with Merrill since 2018 and has prior work experience primarily in the fitness and early childhood education sectors. Outside of finance, she works as a delivery employee for Door Dash. 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.

Robert Clifton is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2003 and joined Merrill Lynch in 2012. Robert focuses on developing strategies and recommendations tailored to individuals, families, and businesses aiming to meet their short- and long-term financial goals. His approach to wealth management is consultative and objective, emphasizing a comprehensive understanding of each client’s financial situation, preferences, and goals. Robert offers recommendations for asset allocation based on income, growth expectations, time horizon, risk tolerance, and liquidity needs. He collaborates closely with clients, their families, Merrill specialists, and outside professionals to address specialized planning needs, including investments, credit and lending, retirement, and estate planning services. Robert’s client focus areas include employee benefits planning, family wealth management strategies, services for endowments, foundations, and non-profits, personal retirement planning, portfolio management services, sports and entertainment, and retirement income. Robert earned a High School Diploma from Denbigh High School and holds the Personal Investment Advisor (PIA) designation. Originally from southeastern Virginia, he has lived in the Sarasota/Bradenton area for ten years with his wife, Robin. They participate actively in community projects and volunteer work. Outside of work, Robert enjoys chess, cooking, golfing, tennis, traveling, yoga, and spending time with his family.

Kenneth Kubik is a financial advisor with Merrill in Bradenton, FL, holding Series 63 and Series 65 credentials and 37 years of industry experience. He has worked at Merrill and Bank of America since 2009, with prior experience at Morgan Stanley from 1991 to 2008. Outside of his advisory role, he is a limited partner in JKLM Powerpartners, a holding company for minor league baseball teams. 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.

Dennis Kruk is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that are designed to be flexible and responsive to changing market conditions and his clients’ evolving needs. His approach focuses on understanding the full financial picture of clients and their families to create comprehensive and customized plans. He offers access to investment insights from Merrill as well as banking and lending solutions from Bank of America to address various aspects of clients' financial lives. Dennis holds a Bachelor's Degree from Baruch College and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). His client focus areas include family wealth management strategies, managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income. In addition to his advisory work, Dennis is involved in his community through volunteering with organizations such as Habitat for Humanity and Southeastern Guide Dogs. Outside of work, he enjoys biking, golfing, swimming, and spending time with his family.

Carl Koenig is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Doylestown, Pennsylvania office. He has been with the firm for over 30 years, assisting clients through the Wealth Management Process to develop tailored financial strategies. His expertise spans retirement, education, and estate planning, with a focus on goals-based investing and uncovering overlooked aspects of clients’ financial situations. Carl holds a Bachelor of Science degree in Business Administration with a concentration in Economics from Old Dominion University. He was inducted into Omicron Delta Epsilon, the Honors Society in Economics, and completed the Merrill Financial Advisors Leadership Program through The Wharton School at the University of Pennsylvania. He also holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Carl resides in Newtown, Pennsylvania with his wife and three daughters. Outside of his professional work, he enjoys spending his leisure time fishing, biking, traveling, and being with his family.

Cindy Hall is a Senior Financial Advisor with the Polis Jerome Group at Merrill Lynch Wealth Management. She has been with the company since 2002 and holds a Bachelor of Science degree in Communications from Southern Illinois University. Cindy focuses on a Goals Based Wealth Management approach, working with clients to understand their individual needs and helping them pursue their financial goals. Her expertise includes personal retirement planning, women and wealth, and retirement income. Throughout her career, Cindy has built long-standing relationships with clients through an extensive understanding of the services offered by Merrill Lynch. She and her team collaborate to recommend financial strategies aligned with each client's unique situation and objectives. Cindy holds the Personal Investment Advisor (PIA) professional designation. Cindy resides in Parrish with her husband, Tim, and their two daughters, Kelsea and Madison. She is involved with the community through Kids Bank Rowlett Elementary. Her personal interests include biking, gardening, music, swimming, watching movies, and spending time with family and friends.

Jason Kintner serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to develop personalized wealth management strategies that align with their long-term financial goals. Drawing on the investment insights of Merrill and the banking solutions of Bank of America, he helps clients pursue their objectives through flexible financial planning tailored to evolving market conditions. Before joining Merrill Lynch Wealth Management in 2012, Jason was involved in founding and managing several businesses in the Los Angeles area. His experience as a business owner informs his passion for assisting business owners and individuals with concentrated wealth positions in integrating their personal and business financial benefits. He emphasizes understanding each client's unique situation and designing plans that account for investments, taxes, and legal considerations to optimize financial outcomes. Jason earned a Bachelor's degree in Biochemistry and Molecular Biology from the University of California at Berkeley. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Additionally, he participates in community volunteer activities consistent with Merrill’s tradition of local engagement.

Ellen Cycotte is a financial advisor at Merrill with a Series 66 designation and 19 years of industry experience. She has been with Merrill since 2009. 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.

Charles Polis is a Senior Consultant with Merrill Lynch Wealth Management. He joined the firm in 1998 and is a partner in the Polis Jerome Group. Mr. Polis holds a Bachelor of Arts degree in Marketing from the University of South Florida and a Master of Business Administration degree from Webster University. He has earned the Certified Investment Management Analyst® designation awarded by the Investments & Wealth Institute™ and has completed certification programs in Investment Strategist, Endowments and Foundations, and Alternative Investments at the Wharton School of the University of Pennsylvania. Additionally, he holds the Personal Investment Advisor (PIA) professional designation. Outside of his professional role, Charles Polis enjoys fishing, running, and spending time with his family.

Charles F. Elzer III is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He marked his thirtieth year as a financial advisor at Merrill Lynch in 2022, bringing extensive experience across multiple investment cycles and market environments. His professional focus includes college education planning, services for endowments and non-profits, legacy and philanthropic planning, retirement income, portfolio management, tax minimization, and managing new wealth. Mr. Elzer earned a Bachelor's degree in Business Administration with a minor in economics from Hofstra University. He holds the Personal Investment Advisor (PIA) designation. His community involvement encompasses serving on the board of trustees for the Just for Girls Foundation and the Tampa Chapter of Safari Club International, as well as participating on the Endowment Committee of his church. He has held leadership roles such as past president of the Manatee County Chapter of the Coastal Conservation Association and past president of Just for Girls, Inc. Additionally, he has supported the Manatee Opera Guild and served as a trustee for the Bishop Museum of Science and Nature. Outside of his professional and community commitments, Mr. Elzer enjoys adventure sports, fishing, gardening, hunting, scuba diving, reading, traveling, and spending time with family and their Labrador Retrievers.

Patrick Mackey is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been working in the financial advisory industry since 1992, bringing over 28 years of experience to his role. Prior to joining Merrill Lynch in 2009, Pat spent 17 years with Morgan Stanley Smith Barney. He holds a Bachelor's degree in Business Administration from Towson University. Pat's areas of focus include college education planning, divorce transition planning, employee financial health, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He is also a Personal Investment Advisor and has experience as a Portfolio Manager, managing personalized investment strategies on a discretionary basis. Originally from the Maryland/Washington, D.C. area, Pat and his wife moved to Manatee County in 1991. They have three daughters. Outside of his professional work, Pat enjoys studying financial market history, college football, traveling, and outdoor activities such as deep-sea fishing. He is involved in community initiatives including support for Take Stock In Children in Manatee County.

Louise Down is a Financial Advisor at Merrill Lynch Wealth Management. She has over 25 years of experience in fixed income trading and portfolio management. Her previous roles include Executive Director and Head of Advisory Fixed Income Trading at Morgan Stanley Smith Barney, Head of Trading at TD Asset Management USA, Head of Investment Grade Trading at AXA Investment Managers, Vice President of Portfolio Trading at Conning Asset Management, and roles at Standish Mellon Asset Management and Putnam Investments. Louise's expertise covers areas such as family wealth management strategies, institutional investment consulting, legacy planning, liquidity management, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. She holds several FINRA registrations including SIE, Series 7, 66, 52, 53, and 24, and is a Personal Investment Advisor (PIA). She earned her Master of Business Administration from Boston University's Questrom School of Business and a Bachelor of Science in Finance from the Isenberg School of Management at University of Massachusetts at Amherst. Louise enjoys cooking, gardening, golfing, hiking, music, running, skiing, spending time with her family, and playing tennis. She is currently based in Florida, having relocated from the Northeast.

Andrew Gerth is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of the Mackey-Shaughnessy Wealth Management Group. He focuses on helping clients achieve their financial goals through personalized wealth management strategies, which include wealth accumulation, preservation and transfer, tax minimization, portfolio and liability management, and coordination with external professionals such as attorneys and CPAs. He also leverages access to banking and lending solutions through Bank of America to provide a comprehensive approach to client needs. Andrew holds a Bachelor’s Degree in Finance and Management from the University of Florida. He holds professional certifications including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He has expertise in areas such as college education planning, family wealth management, liquidity management, retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. A lifelong resident of Florida, Andrew is actively involved in community organizations including Ducks Unlimited, Boy Scouts of America, and the Children’s Home Network. He serves as a Regional Commissioner for the Boy Scouts of America, is a committee member for Ducks Unlimited Tampa 100 Chapter and the General H. Norman Schwarzkopf Memorial Sporting Clays Classic benefiting the Children’s Home Network. Outside of his professional activities, Andrew enjoys outdoor activities including fishing, biking, boating, camping, woodworking, and photography.

Timothy Shaughnessy is a Wealth Management Advisor and a founding member of the Mackey Shaughnessy Group at Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification and the Chartered Retirement Planning Counselor™ (CRPC™) designation, as well as the Personal Investment Advisor (PIA) credential. Timothy began his career in finance in 2009 with Guardian Life Insurance, which provided him with a foundation to approach financial planning from a holistic perspective. He grew up in the Bradenton, Florida community and attended Bayshore High School before playing football at Kent State University and Delta State University, where he also earned his bachelor's degree. Since joining Merrill Lynch Wealth Management in 2013, Timothy has focused on building a practice centered on quality relationships and trust. His areas of expertise include college education planning, legacy planning, family wealth management strategies, and portfolio management services. Timothy is actively involved in his local community, serving as a board member of Anna Maria Island Rotary and volunteering as a youth football coach. He resides in Bradenton with his twin boys, Liam and Rory.