Thomas Waters is a financial advisor with Merrill and holds Series 65 and Series 66 credentials. He has 20 years of industry experience, with prior roles at Karpus Investment Management, Wilmington Trust Investment Advisors, and M&T Securities. Waters also serves as the Foundation Board Chair for Community Services for Every1, a nonprofit organization based in Buffalo, NY. 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 institutional accounts.

Martin Zaklikowski is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 35 years of experience in financial and wealth management. Since joining Merrill Lynch in 1995, he has specialized in advanced investment strategies, retirement planning, and estate planning. His approach emphasizes a comprehensive understanding of client needs to develop tailored wealth management strategies. He holds a bachelor's degree in Finance and Political Science from Canisius College and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation granted by the Certified Financial Planner Board of Standards, Inc. Martin is a member of the Financial Planning Association (FPA) and the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. He has also served on the boards of Hopevale, Inc., St. Francis High School, and the Frontier Community Education Advisory Committee. Outside of his professional work, Martin enjoys gardening, music, and spending time with his wife Rebecca and their two children, Adam and Lauren.

Daryl Planter is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 1992 and assists clients in managing their individual wealth through various market cycles. Daryl specializes in retirement planning, divorce transition planning, family wealth management strategies, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree from the State University of New York at Buffalo and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Daryl emphasizes a comprehensive approach to wealth management based on understanding clients' individual needs. Daryl actively participates in community service by volunteering with local organizations, reflecting a commitment to the communities he serves.

Francesca Vitale is a financial advisor at Merrill with six years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Prior to her current role beginning in 2024, she worked at Wilmington Trust N.A., M&T Bank, LPL Financial, and Bank of America. Vitale serves on the junior advisory board of Niagara University, where she participates in discussions on enrollment trends and fundraising initiatives. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Carolyn Sullivan is a CFP® with 32 years of industry experience, currently affiliated with Merrill and Bank of America. She has worked at Merrill since 2000 and at Bank of America, N.A. 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, offering model-based and discretionary investment strategies for a variety of client types including individuals and institutions.

Chris Sebastian is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He began his career at Merrill Lynch in 1991 and currently leads a 14-person team providing a family office-like experience to clients. Chris serves a select group of highly successful clients, including executives, doctors, attorneys, and entrepreneurs, designing tailored strategies that reflect their unique circumstances. With over 30 years of experience, Chris oversees the team's strategic initiatives and execution of business plans. His areas of expertise include executive compensation, equity compensation services, family wealth management strategies, institutional consulting, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Chris holds a Bachelor of Science degree in Business from Clarkson University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional role, Chris has personal interests in gardening, softball, and tennis.

Faraaz Mohammed Ali is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2020. He is also the author of a children's book titled *With Allah In My Heart*, which he wrote for his son. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, and institutions.

Samuel Cappiello is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in employee benefits planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Samuel works to help clients pursue their financial goals through personalized wealth management strategies that adapt to changing market conditions. He holds the designation of Personal Investment Advisor (PIA) and has earned an Associate's Degree/College Diploma from ECC. Samuel leads The Cappiello Group, which has been serving the Western New York area for over 30 years. The group operates with a team structure where each member focuses on a specific portion of the portfolio and planning process, creating tailored and customized portfolios for individual clients. Samuel is committed to community involvement, following the Merrill tradition of participating in the communities served. He volunteers with organizations in the Western New York community.

Michael Ferranti is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Buffalo. He works with individuals and small businesses to provide custom investment advice and guidance, utilizing Merrill's extensive resources and tools. Michael prioritizes client satisfaction and consistency through open communication and availability. As a specially qualified Portfolio Manager in Merrill's asset management platform, he manages personalized or defined strategies on a discretionary basis which may include individual stocks, bonds, Merrill Lynch model portfolios, and third-party strategies. He is also a Certified Fiduciary Plan Advisor (CPFA®), a designation from the National Association of Plan Advisors (NAPA). Prior to joining Merrill Lynch Wealth Management, Michael worked as a consumer lender at Wells Fargo. He holds a Bachelor's Degree from Canisius University. Michael is a native of Buffalo and resides in the Elmwood Village area with his wife Lauren and their children Grace, Charlie, and Sam. Michael participates in community activities including volunteering with the Buffalo Equestrian Center and the Buffalo Therapeutic Riding Center. His personal interests include football, golfing, ice hockey, music, reading, spending time with his family, traveling, and watching movies.

James Cappiello is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1988, beginning his career immediately after earning his bachelor's degree from Canisius College. Over his 35 years in the investment field, James has gained extensive experience navigating market cycles and providing investment guidance. His areas of expertise include family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. As a Personal Investment Advisor (PIA), James focuses on connecting all aspects of a client's financial life to help prioritize and pursue their most important goals. Outside of his professional role, James enjoys cooking, gardening, and spending time with his family.

Joseph Bianchi is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works directly with clients to define their financial goals and develop portfolio strategies aimed at helping them achieve those objectives. He provides ongoing advice and adapts financial plans as clients' situations evolve. Joseph has expertise in areas including general investing, retirement planning, and preparing for unexpected financial needs. He emphasizes understanding what matters to each client and their family to create tailored strategies. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He holds a Bachelor's Degree from Florida State University. Outside of his professional work, Joseph's personal interests include camping, fishing, football, golfing, hiking, hunting, ice hockey, music, and skiing.

Joseph Beecher is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 20 years of experience in the financial services industry, specializing in retirement benefits consulting and investment planning. Joseph advises corporate retirement plans and develops investment strategies for high net worth individuals, retirees, and small business owners. His approach incorporates insurance and estate planning services to assist clients in meeting their financial goals. Joseph holds a Bachelor's Degree from SUNY College at Buffalo and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He serves on the Board of Directors for the Girls Education Collaborative, participates on the United Way Endowment Committee, and acts as Class Representative for Canisius High School. Joseph lives in Buffalo, NY with his wife Amanda and their three children. Outside of his professional role, Joseph enjoys adventure sports, basketball, boating, camping, fishing, hiking, spending time with family, and watching movies. He is involved in the community through his work with Canisius High School and the Girls Education Collaborative.

Michael Burns is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Merrill since 1985 and has also worked at Bank of America, N.A. 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 plans, corporations, and charitable organizations.

Sally Abell is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Buffalo, New York. She has been in the financial services industry since 1984 and joined Merrill Lynch in 2006. Sally specializes in managing portfolios for high net worth individuals and their families, helping them generate cash flow and increase wealth through customized investment strategies. Her expertise includes personal retirement planning, portfolio management services, tax minimization, retirement income, and addressing the unique needs of women and wealth. Sally holds a Bachelor of Science degree in engineering from the State University of New York at Buffalo, earned in 1981. She obtained the Chartered Financial Analyst® (CFA®) designation in 1996 and is a Personal Investment Advisor (PIA). She is also a co-founder and former president of the CFA Society of Buffalo. Sally is a qualified Portfolio Manager and utilizes a range of investment approaches, including individual stocks and bonds, Merrill model portfolios, and third-party strategies. When servicing clients through the Investment Advisory Program, she may manage portfolios on a discretionary basis. Outside of her professional role, Sally is involved with St. Paul's Lutheran Church and enjoys biking, reading, singing, tennis, traveling, and spending time with her family. She lives in Buffalo with her husband and their two children.

Anthony Orange is a financial advisor with Merrill in Buffalo, NY, holding a Series 66 designation and 10 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

David Meisenzahl is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to develop strategies that address their individual financial goals and priorities. David focuses on areas including employee benefits planning, executive and equity compensation, personal retirement planning, portfolio management, small business strategies, investment strategy, tax minimization, and retirement income. David holds a Bachelor's Degree and a Master of Business Administration (MBA) from the University at Albany. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Through Merrill Lynch, he leverages global investing resources as well as the credit, lending, and banking services of Bank of America to support his clients. Outside of his professional work, David enjoys a variety of activities such as hiking, pickleball, reading, scuba diving, skiing, spending time with his family, surfing, swimming, tennis, and traveling.

Katie Schichtel is a financial advisor at Merrill with a Series 66 designation and 12 years of experience at the firm since 2014. She is based in Buffalo, NY. 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 to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Boyd Wible is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1993 and currently operates with a team of eight individuals based in Buffalo, New York. Boyd applies an active investment philosophy, developing customized stock and bond portfolios aligned with clients’ risk tolerance. He specializes in areas including family wealth management strategies, legacy and philanthropic planning, retirement income, tax minimization, and socially responsible investing, among others. Boyd holds the CERTIFIED FINANCIAL PLANNER™ designation and the Personal Investment Advisor credential. He earned a bachelor's degree in engineering and management from Clarkson University. Boyd resides in Springville, New York. Outside of his professional work, he has interests in camping, ice hockey, music, skiing, and traveling. He is also affiliated with The Children's League.

William Kuch is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1988, providing customized service support to clients as well as internal services to the advisor team. William holds the Personal Investment Advisor (PIA) designation. He earned his High School Diploma from Southbridge High School. Throughout his career, he has contributed to helping clients manage their investments to support their retirement goals.

Paul Nowakowski is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in assisting individuals, families, businesses, and organizations with financial strategies and investment planning. He specializes in areas including family wealth management, retirement planning, investment consulting for defined contribution plans, and legacy planning. Paul is recognized as one of approximately 235 Financial Advisors nationwide designated as a Premier Retirement Benefits Consultant by Merrill Lynch. Paul holds a Bachelor of Arts degree in Political Science and Business Administration from Wittenberg University and an MBA from Embry Riddle Aeronautical University. He is a CERTIFIED FINANCIAL PLANNER™ professional and also holds the Certified Plan Fiduciary Advisor® designation. His approach emphasizes personalized financial plans tailored to clients’ priorities, with a focus on being a steward of their financial futures. Outside of his professional commitments, Paul resides in Orchard Park, New York with his wife and three children. He is a member of Orchard Park Country Club and enjoys activities such as golf, skiing, and football.

Ann Marie Williams is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she joined in January 2023 as part of the Wible, Runfola, and Miranda team. She specializes in developing financial strategies tailored to the needs of business owners, professional women in transition, and retirees. Her approach involves comprehensive planning, beginning with understanding her clients' financial needs and goals to help them achieve their ideal lifestyles in retirement. With over 20 years of experience, Ann Marie holds Series 7 and 66 FINRA registrations and insurance licenses for life, accident, and health. She earned a Bachelor of Science degree in International Business and Marketing from Rochester Institute of Technology and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She is a member of the National Association of Women Business Owners (NAWBO). In addition to her professional work, Ann Marie is involved with the Hospice Signature Society and Windsong Radiology. She speaks both English and French, and her personal interests include cooking, gardening, golfing, reading, swimming, tennis, and traveling.

Michael R. Kenline is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2019, attracted by their comprehensive financial strategies and focus on providing a world-class customer experience. In his role, Mr. Kenline emphasizes a team approach while meeting directly with clients to oversee their financial health and help them pursue their long-term goals. Mr. Kenline specializes in areas such as Corporate Executive Services, Equity Compensation Services, Liquidity Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Small Business Strategies, Individual and Corporate Investment Strategy, Tax Minimization, and Retirement Income. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He earned a Bachelor of Arts in Economics and a Bachelor of Science in Business Management from SUNY Fredonia. Outside of his professional work, Mr. Kenline is a Trustee and Board Member of the Westminster Economic Development Initiative. His personal interests include boating, fishing, golfing, hunting, skiing, and swimming.

Jennifer Runfola is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been with the firm since 1994 and leads a team of nine professionals serving clients in Buffalo, New York, and across the nation. Her practice focuses on individual wealth management, retirement and goal-based planning, portfolio construction, and managing both individual and corporate assets. Jennifer holds the Chartered Retirement Planning Counselor (CRPC), Accredited Domestic Partnership Advisor (ADPA), and Personal Investment Advisor (PIA) designations. She graduated cum laude from Canisius College. Her client focus areas include legacy planning, managing new wealth, and women and wealth. Jennifer resides in Amherst, New York.

David Siwiec is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He serves as the primary portfolio strategist for The DBSR Group, a boutique-style team focused on delivering personalized strategies to meet the complex needs of clients across various wealth phases. His clientele includes families, professionals, business owners, trustees, and not-for-profits. David's work involves leveraging the resources of Merrill Lynch and Bank of America to address client goals amid changing market and economic conditions. David's career in financial advising began immediately after earning his bachelor's degree from Canisius College. He started at Shearson Lehman Brothers in Buffalo, progressing through several corporate reorganizations before joining Merrill Lynch Wealth Management. He holds professional designations including Certified Portfolio Manager (CPM) and Personal Investment Advisor (PIA). David has been recognized in the Forbes Best-in-State Wealth Advisors list in both 2021 and 2022. In addition to his professional commitments, David has been actively involved in the community. His past roles include serving as President of the Bond Club of Buffalo and as a board member of the Parkside Community Association. He also volunteers with the Boys and Girls Clubs and participates in mentorship through the Canisius Golden Griffin Fund. David resides in Buffalo, New York, and enjoys spending time with his family.

Denise Williams is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Gallagher is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill, Merrill Lynch, Pierce, Fenner & Smith, and Bank of America over the course of his career. He is based in Buffalo, NY. 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 investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Amanda Velarde is a financial advisor with Merrill in Buffalo, NY, holding the Series 66 designation and possessing eight years of industry experience. She has been with Merrill since 2010, totaling sixteen years at the firm. 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Leslie Zoerb is a financial advisor with Merrill in Buffalo, NY, holding Series 63 and Series 66 registrations and bringing 26 years of industry experience. Zoerb has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1998. 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, pension plans, corporations, and charitable organizations.

J. Austin Houlding is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2009, advising accomplished clients and their families across the United States on wealth preservation, transfer, and stewardship. Within his team, he oversees business plan design and implementation, and manages fixed income portfolios. Austin holds both a Bachelor of Science degree and a Master of Science degree in International Business from D’Youville College. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His areas of expertise include executive compensation, equity compensation services, family wealth management strategies, institutional and corporate benefit services, personal retirement planning, and more. He has been involved with the United Way of Buffalo and Erie County, having previously served as Vice Chair. In his personal time, Austin enjoys golfing, tennis, and spending time with his family.

Amy Abrahamson is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Merrill Lynch, Wells Fargo Clearing Services LLC, and Morgan Stanley. She serves on the Board of Trustees for the Buffalo Olmsted Parks Conservancy. 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 tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Ryan is a financial advisor with Merrill, holding Series 63 and Series 66 designations and 26 years of industry experience. He has worked at Merrill since 2007 and at Bank of America since 2009. Outside of his advisory role, he serves on the board of the Burchfield Penney Art Center in Buffalo, NY. 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 a range of clients including individuals, high-net-worth investors, and charitable organizations.

Todd Mann is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been providing investment advice and services to high net worth private clients and businesses since 1995. Todd focuses on personal retirement planning, portfolio management services, and retirement income, working one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals. He holds a Bachelor's Degree from Canisius College and maintains professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Todd follows the Merrill tradition of community involvement and dedicates time to volunteering through his church. His personal interests include boating, chess, and tennis.

Bryan Mackey is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with the firm since 2007, following his service as a captain in the United States Army. Based in the same office for 15 years, Bryan works with individuals and families to help define and achieve their long-term financial goals through comprehensive services, including planning, investments, elder and estate planning, tax considerations, and insurance. Bryan's areas of expertise include executive compensation, family wealth management strategies, personal retirement planning, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification awarded by the Certified Financial Planner Board of Standards and is also a Personal Investment Advisor (PIA). Bryan earned a Bachelor of Arts degree in English with a minor in Business from the State University of New York System. Outside of his professional career, Bryan enjoys biking, boating, skiing, and spending time with his family. He has served on the board of a local veteran organization. Bryan and his wife, Nicole, a pediatric nurse practitioner, live in Lewiston with their young son.

Jay Logan is a financial advisor at Merrill in Buffalo, NY, holding a Series 66 designation and beginning his advisory career in 2025. He has prior experience at Bank of America, N.A., and 1st Priority Mortgage Inc. 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, pension plans, corporations, and charitable organizations.

Michael Santomauro is a financial advisor at Merrill with 10 years of industry experience and a Series 66 designation. He has worked at Merrill since 2014. 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.

Kristopher Reumann is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. He has been associated with Bank of America and Merrill since 2014. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.