Daniel Memo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1998 and began his career with Smith Barney. Daniel focuses on serving high net worth individuals and business retirement planning. He holds FINRA Series 7, 66, 3, and 31 registrations. Daniel earned a Bachelor of Science degree in Business Administration from John Carroll University. He also holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His areas of expertise include college education planning, corporate benefits, equity compensation services, retirement income, and small business strategies. Daniel is active in the Poland community where he resides with his wife, Erin, and their four sons. He participates in organizations such as the Poland Community Baseball Association, Poland Flag Football, and St. Vincent De Paul. He has served as a board member of the Rich Center for Autism and is affiliated with Magic of Michael. Outside of work, Daniel enjoys baseball, basketball, football, golfing, swimming, table tennis, traveling, and spending time with his family.

Robert Cucitrone is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 2001 and Bank of America, N.A. since 2011. 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.

Joel Bender is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has developed personalized financial strategies to help clients pursue their long-term goals. He began his career with Merrill in 1989 and has accumulated over 37 years of experience in the financial services industry. Joel is a lifelong resident of the Youngstown/Canfield area and has worked in the local office throughout his career. His expertise covers a range of client focus areas, including education planning, family wealth management strategies, managing new wealth, personal retirement planning, small business strategies, and individual and corporate investment strategy. Joel holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from Baldwin-Wallace College. In addition to his professional work, Joel participates in community service, volunteering with organizations in the areas he serves. He also engages in personal interests such as cooking, fishing, and gardening.

Samuel Eddy is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their financial goals and develop personalized wealth management strategies. His approach emphasizes frequent communication and a consultative, objective commitment to helping affluent individuals and their families pursue long-term financial objectives. Sam joined Merrill in 2011 after a more than 30-year coaching career in college football. He holds a Bachelor's degree from Taylor University and a Master of Science degree from the University of Massachusetts Amherst. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Active in the Youngstown community, Sam participates in the Youngstown State University Penguin Club and is a member of St. Patrick's Catholic Church. He and his wife, Connie, live in Boardman, OH and are parents to two adult children. His client focus areas include personal retirement planning, small business strategies, and retirement income.

George Albertini is a financial advisor at Merrill with 22 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2004 and at Bank of America since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.

Karen Segesto is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 35 years of experience in the financial services industry. Her professional background includes personal banking, lending, financial planning, and investment management. She utilizes the resources of the Merrill Lynch Wealth Management investment platform along with Bank of America's banking services to provide comprehensive financial support to her clients. Karen's approach emphasizes understanding her clients' goals, priorities, and aspirations to ensure the advice she provides aligns with both their short-term needs and long-term objectives. Her expertise encompasses family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. She holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Hiram College. In addition to her professional work, Karen is actively involved in her community. She serves on the Board of Youngstown Area Goodwill and is the Vice President and Co-Founder of Sight For All United. She is also a member of the Leadership Mahoning Valley Class of 2003. Her personal interests include cooking, reading, spending time with family, traveling, watching movies, writing, and practicing yoga.

Ryan Wetzel is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has built his career over the past 10 years helping individuals and families develop financial strategies that align with their personal priorities and long-term goals. His areas of focus include college education planning, family wealth management strategies, legacy planning, retirement income planning, and portfolio management services. Ryan holds a Bachelor’s Degree from The University of Akron and holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Life Underwriter (CLU), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). He emphasizes understanding clients’ unique perspectives to deliver transparent and personalized wealth management solutions. Outside of his professional responsibilities, Ryan enjoys bowling, cooking, golfing, and spending time with his family. He is also involved in community efforts through United Way’s Success By 6 initiative.

Linda Hanek is a Series 66-licensed financial advisor with Merrill in Canfield, Ohio, and has 24 years of industry experience. She has been with Merrill Lynch since 1999. 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.

Katie Solvesky is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has built a career since 2001. She specializes in creating highly customized financial strategies that evolve with her clients' personal and business circumstances, with a particular focus on helping business owners monetize their efforts to meet their goals. Katie holds a Bachelor of Science degree in General Business Administration from Youngstown State University and has earned several professional designations including Certified Private Wealth Advisor®, CERTIFIED FINANCIAL PLANNER®, Certified Exit Planning Advisor®, and Certified Plan Fiduciary Advisor®. She has also studied at The University of Chicago Booth School of Business while earning her CPWA® Certificate. Her expertise encompasses areas such as family wealth management, legacy planning, retirement planning, tax minimization, and individual and corporate investment strategy. In addition to her professional work, Katie is involved in various organizations including the Estate Planning Council of Cleveland and the Investment & Wealth Institute. She volunteers with The Beatitude House as well as in school and children’s activities. Outside of work, she enjoys activities such as yoga, skiing, kayaking, hiking, antiquing, cooking, gardening, horseback riding, football, volleyball, and spending time with her family. Katie resides in Chagrin Falls with her family.

Sheila Milano is a Senior Financial Advisor with Merrill Lynch Wealth Management. She began her career in the investment industry in 2000 and has been working alongside Dan since 2005. Sheila is focused on simplifying clients' financial and banking needs by providing tailored wealth management solutions. Sheila holds FINRA Series 7 and 66 registrations and has earned the Personal Investment Advisor (PIA) designation. Her expertise encompasses areas such as college education planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Sheila and her team emphasize understanding clients' financial situations in detail and designing customized approaches to help clients pursue their personal financial goals while managing investment risk. Sheila earned her Associate's Degree from Youngstown State University and holds a High School Diploma from Girard High School. She resides in Boardman with her husband, Steve. Outside of work, Sheila enjoys hiking, interior decorating, sewing, and spending time with her family.

Traci Reagle is a financial advisor with Merrill based in Canfield, Ohio, holding a Series 66 designation and 18 years of industry experience. She has worked at Merrill Lynch since 2009. 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 developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Carchedi is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 20 years of experience in financial advising. He works with a diverse clientele across Ohio and more than ten other states, including physicians, corporate executives, business owners, widows, and multi-generational families. His comprehensive service offerings encompass college education planning, family wealth management strategies, personal retirement planning, philanthropic planning, portfolio management, tax minimization, and retirement income strategies. James also collaborates closely with clients' CPAs and attorneys to ensure alignment of tax and estate planning approaches. James began his career at American Express Financial Advisors before joining Merrill in 2007. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Certified Plan Fiduciary Advisor® (CPFA®) designation, as well as the Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) credentials. James earned his bachelor's degree with a marketing concentration from Malone College, where he was a four-year football letter winner. Beyond his professional work, James serves as Vice President of Community Affairs for Meritage of Miracles, a fundraising event supporting pediatric palliative care at Akron Children's Hospital Mahoning Valley. He also holds the position of Secretary of the Board for the Ohio Glaciers, an organization dedicated to developing young baseball athletes. James resides in Poland, Ohio, with his wife and two sons, and enjoys attending their sporting events as well as trips to wine country in Napa and Sonoma Valley.

Howard Hargate III is a Senior Financial Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management. He began his career in financial services in 2013 and has developed a practice centered on disciplined, goal-oriented wealth management. Howard specializes in building diversified portfolios aligned with client objectives, balancing growth, income, and capital preservation with an emphasis on risk management and flexibility. He holds a Bachelor's degree with a double major in Finance and Accounting from Youngstown State University, where he served as President of the Student Investment Club. Howard also earned an MBA in Finance from Nova Southeastern University. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC), reflecting his expertise in fiduciary oversight and retirement planning. Howard is qualified to manage client assets on a discretionary basis through personalized investment strategies incorporating equities, fixed income, Merrill model portfolios, and third-party strategies. Outside of his professional work, he resides in Canfield, Ohio with his family and enjoys activities such as working out, golf, and hunting.

Munvaar Ali is a Series 66-licensed financial advisor at Merrill with one year of industry experience. Prior to joining Merrill and Bank of America in 2026, he held various roles across retail, education, and banking sectors, including positions at Walmart and WesBanco. 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 to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christine Gerst is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in comprehensive wealth management strategies that align with her clients' financial and personal goals. Christine provides tailored advice and access to investment insights from Merrill, along with banking and lending solutions from Bank of America to address various financial needs. Her client focus areas include college education planning, defined contribution plan investment consulting, managing new wealth, personal retirement planning, socially responsible and values-based investing, and wealth management for women. With extensive experience in the financial services industry, Christine serves a diverse clientele, including physicians, corporate executives, business owners, and members of the LGBT community. She holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christine earned her bachelor's degree from Youngstown State University. Christine is actively involved in community organizations, serving on the boards of YWCA Mahoning Valley and The Henry H. Stambaugh Auditorium, as well as participating in the Akron Children's Hospital Community Leadership Council and the Athena Award Committee. Her personal interests include cooking, fishing, football, gardening, spending time with family, and watching movies.

Gina Domico is a financial advisor with Merrill, holding a Series 66 designation and 21 years of industry experience. She has worked at Merrill Lynch and Bank of America since 2001 and 2011, respectively. 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 tailored by internal and third-party managers.

Sheila Wistar is a financial advisor with Merrill holding a Series 66 designation and has two years of industry experience. She previously worked at CrossCountry Mortgage, LLC for six years and had brief roles at Union Savings Bank and Merrill before her current position. 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 strategies for individuals, high-net-worth clients, and various institutional investors.