John Flynn is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management, based in Burlington, Massachusetts. He has been in the financial services industry since 1994, beginning his career as a Financial Advisor at BayBank. He joined Merrill Lynch in 2009 following the merger with Banc of America Investments. John focuses on forming long-term relationships and assisting clients with all aspects of their financial lives. John advises clients on wealth accumulation, preservation, and transfer through individually customized wealth management strategies using a defined process. He offers a wide range of services including portfolio development, education planning, liability management, retirement planning, and asset preservation, emphasizing a client's complete financial picture. His client focus areas include college education planning, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. John holds a Bachelor's degree from Boston College earned in 1987 and a Master's degree in Business Administration from Northeastern University obtained in 1998. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, John is interested in baseball, basketball, swimming, and spending time with his family. He is married with three children and engages in community volunteer activities aligned with Merrill's tradition of community participation.

Christopher Arrigg is a Senior Financial Advisor at Merrill Lynch Wealth Management in Burlington, Massachusetts. He works with business owners, C-suite executives, high-net-worth families, and fast-growing professionals to assist with complex financial decisions involving liquidity events, concentrated equity, family wealth planning, retirement, and tax-efficient strategies. His approach emphasizes planning first, helping clients organize their financial lives and achieve their long-term goals through informed decision-making. He also serves as a Portfolio Manager and Retirement Benefits Consultant, managing personalized strategies that may include various investment options. Christopher holds the Certified Plan Fiduciary Advisor (CPFA) designation, is a Personal Investment Advisor (PIA), and a Retirement Benefits Consultant (RBC). He earned his Bachelor's Degree from Bentley University and completed his high school education at Austin Preparatory School. He is involved with the Bentley Greater Boston Alumni Chapter and graduated Magna Cum Laude from Bentley University. Outside of his professional role, Christopher participates in community activities with Lazarus House Ministries, Inc. His personal interests include adventure sports, baseball, basketball, chess, cooking, golfing, photography, spending time with family, traveling, and watching movies.

Sebeta Kalpee is a financial advisor at Merrill with 14 years of industry experience. She has held her current role at Merrill since 2015 and holds Series 63 and Series 66 designations. 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.

Meaghan Anderson is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in serving ultra-high-net-worth individuals and families, including female executives, clients navigating significant life transitions, and multigenerational households. Meaghan focuses on aligning clients' wealth with their values, purpose, and legacy through a consultative, planning-first approach that prioritizes understanding each client's unique goals and life stage. Her expertise encompasses college education planning, family wealth management strategies, legacy planning, philanthropic planning, personal retirement planning, and services tailored for endowments, foundations, and non-profits. Prior to joining Merrill Lynch, Meaghan spent over a decade at Neuberger Berman advising ultra-high-net-worth clients and began her career at Knight Capital Group. She has been recognized by Forbes as a "Top Next-Gen Wealth Advisor Best In State" in Massachusetts for both 2023 and 2024. Meaghan earned a Bachelor of Science degree in Business Management and Economics from Boston College. She holds the Personal Investment Advisor (PIA) designation. She serves on the Professional Advisor Leadership Council for the Community Foundation for MetroWest and participates on the Community Engagement Committee for the Boston Estate Planning Council. Meaghan lives outside of Boston with her five children and enjoys hiking, running, yoga, horseback riding, swimming, and spending time with her family.

Douglas Beaudoin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and Personal Investment Advisor (PIA) credential. Douglas earned an Associate's Degree from Manchester Community College and a Bachelor's Degree from Southern New Hampshire University. His professional approach focuses on building trust-based relationships through genuine connections and understanding clients' needs. His expertise includes risk management, financial planning, investments, tax management, insurance, estate planning considerations, and retirement savings and income planning. Douglas emphasizes simplifying complex financial concepts and guiding clients toward achieving their financial goals through sound strategies and education. Outside of his professional role, Douglas is a father of three and resides in Massachusetts. He enjoys spending time with his family, watching movies, and engaging in activities such as football, golfing, ice hockey, table tennis, and traveling.

Robert Kostigen is a Senior Financial Advisor with Merrill Lynch Wealth Management. He is part of the HRSK & Associates team, which averages 15 years of experience in the financial services industry, delivering expertise in retirement and education planning strategies, insurance strategies, and trust planning services. Robert and his team focus on building enduring relationships grounded in trust, integrity, and accessibility while providing sound guidance and strong service. They employ a defined, goals-based process for wealth management, emphasizing a long-term investment approach centered on asset allocation, diversification, and discipline, leveraging the resources and research of Merrill Lynch. Robert holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Suffolk University. His approach involves helping clients achieve their personal and family financial goals by creating customized plans that reflect their perspectives and priorities.

Katie Soule is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career in financial services in 2002 and joined Merrill in 2015. Prior to becoming a financial advisor, Katie served as a Certified Public Accountant in several major accounting firms and corporations. This background provides her with insight into the key decision points that clients encounter in their personal and professional finances. She focuses on areas such as retirement planning, family wealth management, legacy planning, and investment strategy, working closely with clients and their other professional advisors to develop tailored, tax-efficient strategies. Katie does not provide tax, accounting, or legal advice in her role at Merrill. Katie earned a Bachelor of Science degree in Accounting from the University of Delaware and an MBA from the University of Southern Maine. She holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Certified Private Wealth Advisor (CPWA). She is active in her profession and community, serving on the board of the Massachusetts Society of CPA's.

Christopher Mc Cauley is a financial advisor with Merrill in Burlington, MA, holding a Series 66 designation and 25 years of industry experience. He has worked at Merrill since 2009 and has been associated with Bank of America, N.A. since 2011. Outside of his advisory role, he serves as an advisory board member for the Briarbrook Condominium Association, which involves oversight of property management. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ian Stauder is a Senior Financial Advisor with the Caputo Group at Merrill Lynch Wealth Management. He has over a decade of financial experience, including prior work at Fidelity, where he developed an understanding of the complexities of wealth management, emphasizing the importance of professional guidance in preventing emotional decision-making. Ian works closely with a diverse group of clients, ranging from biotech entrepreneurs and executives to young professionals and families beginning to accumulate wealth. He employs a disciplined, planning-based approach and manages the firm's wealth analyses, tailoring strategies to each client's goals, risk tolerance, timeline, and liquidity needs. Ian focuses on helping clients articulate the purpose of their money and aligns financial plans accordingly, covering areas such as college planning, retirement planning, exit planning, and legacy planning. He encourages discussions with both spouses to understand their values and visions. Ian finds value in meeting with clients to assess progress toward their financial goals and to explain recommendations as needed. His expertise includes divorce transition planning, executive and equity compensation, family wealth management, philanthropic planning, personal retirement planning, and portfolio management services. He holds a Bachelor's degree in Economics from Wheaton College in Massachusetts and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). Ian resides in Sudbury with his wife and three children. He is involved in community organizations such as Big Brother Big Sister and Habitat for Humanity. His personal interests include fishing, football, golfing, reading, skiing, spending time with family, and traveling.

John Vanasse is a Senior Financial Advisor at Merrill Lynch Wealth Management. He advises a select group of corporate executives, business owners, affluent individuals, and families, focusing on simplifying their financial lives through comprehensive strategies tailored to their goals and values. His approach encompasses investment management, retirement planning, tax-efficient wealth strategies, and estate planning services. John joined Merrill in 2018, bringing four years of prior experience from an asset management company. He is passionate about building, preserving, and transferring wealth efficiently across generations and is supported by a team with extensive combined wealth management and investing experience. His expertise includes college education planning, family wealth management, legacy planning, philanthropic planning, socially responsible investing, tax minimization, and retirement income strategies. John earned a bachelor's degree in Economics with a concentration in Financial Markets from Colby College in 2014. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, John has served on the Board of Directors for the Notre Dame Education Center in South Boston. He enjoys boating, fishing, golfing, reading, and spending time with his family.

Chad Battaglia is a Wealth Management Advisor and the Founding Partner and Managing Director of The Battaglia Group at Merrill Lynch Wealth Management. He began his career in financial services in 1998 and joined Merrill in 2004. He holds a Bachelor's degree in Finance from Bentley University and the Certified Investment Management Analyst® (CIMA®) designation through the Investments & Wealth Institute® and The Wharton School of the University of Pennsylvania. He also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. With over 25 years of experience, Chad works with executives, partners, business owners, entrepreneurs, and multigenerational families facing complex financial decisions. His expertise includes wealth planning, tax-efficient investing, retirement planning, risk management, equity compensation strategies, liquidity events, and multigenerational wealth transfer. Chad and his team provide a personalized, team-based approach to coordinate clients' financial lives and develop strategies aligned with their unique goals and values. Outside of his professional responsibilities, Chad enjoys spending time with his family on Cape Cod, golfing, traveling, and supporting charitable and community initiatives.

Michael Nahill is a Wealth Management Advisor with Merrill Lynch Wealth Management. As the lead investment architect for Nahill, Dunn & Associates, he focuses on designing customized wealth management strategies and investment portfolios tailored to the unique goals of each client. His approach integrates a disciplined investment management process, responsive service, a client-focused team, and transparency regarding fees, risks, and outcomes. With over 30 years of capital markets experience, including more than 20 years advising professional investment managers at leading mutual funds, pension funds, endowments, and hedge funds, Nahill brings extensive expertise to his role. He specializes in areas such as family wealth management, investment consulting for defined contribution plans, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Nahill holds a B.A. in Economics from Boston College and an M.B.A. from Columbia University. He is a CERTIFIED FINANCIAL PLANNER® certificant and has earned the designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In addition to his professional work, Nahill is committed to community involvement and follows the Merrill tradition of volunteering with local organizations. His personal interests include golfing, interior decorating, music, and reading.

Alexander Smith is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has been associated with both Merrill and Bank of America, N.A. since 2015. Merrill serves a diverse client base, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes manager selection and tax-efficient strategies, leveraging its integration with Bank of America and its capital-markets platform.

Karen Himmel is a financial advisor at Merrill with 42 years of industry experience. She has been with Merrill since 1983 and holds Series 63 and Series 65 licenses. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Dunn is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings over 20 years of experience as a financial advisor combined with 10 years as a management consultant, including work with PricewaterhouseCoopers. Kevin specializes in advanced wealth management and estate planning strategies, focusing on tax-efficient investment approaches for high-income clients. Kevin holds the Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), and Certified Plan Fiduciary Advisor (CPFA) designations, along with credentials as a Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC). He earned a Bachelor of Science in Foreign Service in International Economics from Georgetown University and a Master’s degree from the University of Massachusetts Amherst. Fluent in English, Spanish, and French, Kevin is involved in professional and community organizations such as St. Mark's Church and More Than Words.

Kathleen Richards is a Wealth Management Advisor with Merrill Lynch Wealth Management in Burlington, Massachusetts. She began her financial services career in 1985 and joined Merrill Lynch in 1987. Kathleen organizes and coordinates the financial lives of clients and their families, business owners, professionals, and non-profit organizations, and has over 26 years of experience at Merrill Lynch Wealth Management. Kathleen helps clients meet both their short-term cash needs and longer-term financial goals using a goals-based approach to planning and investing while considering each client's personal preferences and objectives. She provides customized solutions based on clients' risk tolerance, time horizon, liquidity needs, investment goals, and related costs. Her areas of expertise include goals-based planning, retirement planning, portfolio development, trusts and estate planning, corporate cash management and lending, insurance analysis, and education planning. Kathleen holds a bachelor's degree from the University of Massachusetts and holds the CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. Outside of her professional role, Kathleen and her husband support organizations including the Alzheimer's Association and the Greater Boston Food Bank. In her personal time, she enjoys hiking, gardening, and playing pickleball.

Ryan Arsenault is a Wealth Management Advisor with The Battaglia McCauley Group at Merrill Lynch Wealth Management. He began his career in financial services in 2013 and joined Merrill Lynch in 2019. Ryan provides investment and wealth management strategies tailored to entrepreneurs, corporate executives, retirees, and their families. His approach emphasizes clear communication, disciplined planning, and aligning investment decisions with clients' broader financial goals as their lives and priorities change. He collaborates regularly with clients' attorneys, accountants, and other trusted advisors to coordinate strategies effectively. Ryan holds a Bachelor's Degree from the University of New Hampshire and is a CERTIFIED FINANCIAL PLANNER® (CFP) certificant. He is also a Personal Investment Advisor (PIA) and participates in the UNH Alumni Boston Chapter. Outside of his professional work, Ryan is involved with the Greater Boston Food Bank and enjoys bowling, cooking, football, golfing, ice hockey, skiing, tennis, traveling, watching movies, and spending time with his family.

Heather Scearce is a Financial Advisor with Merrill Lynch Wealth Management, where she has been creating personalized wealth strategies since 2022. She works closely with clients to understand their unique priorities and develop financial plans that address a range of goals, including retirement planning, socially responsible investing, and tax minimization. Heather provides ongoing advice and access to a wide range of financial services through Bank of America specialists. Prior to her career in financial advising, Heather owned and operated a Pilates and personal training studio, where she helped clients achieve their health and fitness objectives. She holds a Bachelor's Degree from the University of Washington and the Personal Investment Advisor (PIA) designation. Outside of her professional role, Heather enjoys boating, dancing, gardening, music, spending time with family, tennis, traveling, and yoga.

Rennee Lammi is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has worked at Merrill and Morgan Stanley during her career. 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.

Armand Bassi III is a Wealth Management Advisor with Merrill Lynch Wealth Management in Burlington, Massachusetts. He began his career in financial services in 1993 at Prudential Securities and joined Merrill in 1998. As a Senior Vice President and qualified Portfolio Manager, Armand provides personalized portfolio management services, including managing his own personalized or defined strategies that may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Armand focuses on working closely with affluent and ultra-affluent clients to design tailored wealth management strategies that address their goals, timelines, liquidity needs, and risk thresholds. His expertise includes equity and bond markets, mutual funds, hedge funds, private equity, managed futures, commodities, market-linked investments, and options. He offers guidance not only on investment management but also on retirement income planning, trust and estate planning, business structuring, and credit and lending solutions. He earned a bachelor's degree in finance from Southern New Hampshire University and holds the Personal Investment Advisor (PIA) designation. Armand is active in his community, serving on the Board of Directors for the Burlington Area Chamber of Commerce, participating in the Burlington Government Affairs and Charitable Foundation Committees, and coaching youth soccer. He enjoys skiing, boating, and golfing with his family.

Sarthak Jena is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on helping individuals, families, and business owners align their wealth with their goals through personalized planning and investment guidance. He provides access to resources from Merrill and Bank of America to support his clients in areas such as investing, retirement planning, and managing unexpected financial needs. His expertise includes college education planning, employee benefits planning, family wealth management strategies, investment consulting for defined contribution plans, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Sarthak holds the Professional Investment Advisor (PIA) designation. Sarthak earned a Bachelor's Degree from Emory University and completed a Master of Business Administration (MBA) as well as a Master of Science in Finance (MSc Finance) from Hult International Business School. Outside of his professional work, his interests include cooking, music, pickleball, reading, running, soccer, spending time with his family, swimming, tennis, and writing.

Gabriel Perez is a financial advisor at Merrill with Series 66 and Series 63 licenses and five years of industry experience. He has worked at Merrill since 2020 and has been with Bank of America, N.A. since 2023. Prior to his advisory career, he was affiliated with Universidad de Puerto Rico for six years. 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.

Amy Moore is a financial advisor at Merrill with 43 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill since 1982, concurrently serving at Bank of America 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 individuals, high-net-worth clients, and institutions.

Robert Vanasse Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with high-net-worth families across generations, focusing on retirement planning and financial well-being. Robert aims to understand clients' needs and objectives to help formalize and prioritize their financial goals. He has over 35 years of experience assisting business owners, corporate executives, and their families with opportunities related to estate taxes and next generation planning. His expertise includes planning, developing wealth management strategies, and portfolio management. Robert holds a Bachelor of Arts and Sciences degree in Economics from Boston College. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification, the Chartered Retirement Planning CounselorSM (CRPC®) designation, the Certified Private Wealth Advisor (CPWA) credential, and the Personal Investment Advisor (PIA) designation.

Thomas M. Caputo is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 34 years of experience in the wealth management field and joined Merrill Lynch in 2004. His professional focus includes developing strategies and providing advice for individuals, families, and businesses by understanding their short- and long-term financial objectives. Tom's expertise encompasses a wide range of wealth management areas, including corporate executive services, executive and equity compensation, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. He holds the CERTIFIED FINANCIAL PLANNER4 designation awarded by the Certified Financial Planner Board of Standards, Inc., among other professional credentials. He is a graduate of Boston College's Carroll School of Management. Tom lives in Milton, Massachusetts, with his wife, Kait, and their three children. The family is active in the community and supports several organizations, including Brigham and Women's Hospital NICU, The Boys & Girls Club, the National Kidney Association, and the St. Rock Haiti Foundation.

Rama Yarram is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with Citizens Securities, Inc. and Citizens Bank. Outside of advisory work, he is employed at Michaels Store in a customer service and cashier role. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutional accounts.

Mark Lozier is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity and Bank of America. Outside of his advisory role, he owns and operates a personal and household services business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual, institutional, and charitable clients.

Olivia Gierlich is a Wealth Management Advisor at Merrill Lynch Wealth Management, working with a select group of families, retirees, corporate executives, business owners, and entrepreneurs in the Boston area. She focuses on understanding and connecting with her clients to create customized financial strategies that align with their goals and simplify their financial lives. Olivia collaborates with clients' tax advisors and estate attorneys to develop coordinated approaches to complex financial challenges. Her expertise includes portfolio management, personal retirement planning, executive compensation, divorce transition planning, socially responsible and ESG investing, and family wealth management strategies. She utilizes advanced probability planning software to construct individualized financial roadmaps and offers personalized advice to address the diverse financial concerns of her clients. Olivia earned a bachelor's degree from the Massachusetts Institute of Technology in Management Science/Finance with a minor in International Politics. She holds professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Olivia resides in Cambridge, MA, and is active in her community through involvement with MIT's Alumni Association and the Pi Beta Phi Bostonian Alumnae Club. Her personal interests include traveling, reading, playing softball, and exploring new culinary experiences.