Julia Marble is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 65 credentials and 28 years of industry experience. She has been with Merrill since 2002. 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 and profit-sharing plans, corporations, and charitable organizations.

Collin Kotek is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Equitable, Natixis, and various positions in education and retail. 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.

Jayashree Rajesh is a financial advisor at Merrill with 24 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2005. Outside of her advisory role, she serves on the Memberships Committee of the Parent Teacher Student Organization at her son's high school. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Firestone is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management in Charlotte. He is also a partner in The Rivlin Firestone Group. With over 30 years of experience, Michael provides financial guidance to companies and individuals, creating Wealth Management Plans and financial strategies that align with clients' goals and objectives. His areas of focus include wealth preservation, investment portfolio selection, retirement income strategies, concentrated stock strategies, charitable giving, business succession strategies, college planning, estate maximization strategies, long-term care, and access to mortgage lending through Bank of America. Michael participates in Merrill's Alternative Investment Academy accreditation program covering Hedge Funds, Private Equity, and Real Assets. Michael holds the CERTIFIED FINANCIAL PLANNER® certification from the Certified Financial Planner Board of Standards, Inc.; the Chartered Retirement Planning Counselor™ (CRPC™) designation from The College for Financial Planning Institutes Corp.; the Certified Plan Fiduciary Advisor® (CPFA®) designation issued by the National Association of Plan Advisors; and FINRA Series 7 and Series 66 registrations. He also possesses life and health insurance licenses, as well as long-term care and Medicare licenses. He previously worked as a Certified Public Accountant (CPA) at Ernst & Young and KPMG, providing assurance, advisory, and tax services to Fortune 1000 companies, C-level executives, audit committees, and boards of directors. Additionally, he led a mergers and acquisitions department for a Fortune 10 company for over six years. Michael earned both his MBA in Finance and Bachelor of Business Administration in Accounting with Magna Cum Laude honors from Pace University. Michael volunteers and donates to various charities, including First Book of Charlotte and Junior Achievement, and has served as a board member for various religious organizations. He enjoys traveling and spending time with his wife, Lisa, their two sons, and their dog Clay.

William Annin is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with clients to help simplify and manage their financial lives by delivering a comprehensive approach to managing wealth. His approach begins with listening to each client's needs and ensuring every strategy is grounded in an understanding of their personal goals. William utilizes the investment insights of Merrill and the banking convenience of Bank of America to address various aspects of clients' financial lives. His areas of expertise include college education planning, executive compensation, investment consulting for defined contribution plans, portfolio management services, and retirement income. William holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from the University of North Carolina System. William is involved in his community through participation in the Fort Mill Rotary Club. In his personal time, he enjoys biking, golfing, and swimming.

Brian Parrish is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2010 and has been in the financial services industry since 1998. Brian follows a disciplined process that begins with taking time to fully understand each client's particular needs, concerns, and priorities. He offers access to Merrill's investment resources and Bank of America's banking services to help clients address various aspects of their financial lives. Brian's areas of expertise include college education planning, family wealth management strategies, liquidity management, personal retirement planning, tax minimization, and retirement income. He holds a bachelor's degree in Applied Economics with a minor in Finance from East Carolina University. Additionally, he holds the Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA) professional designations. Brian lives in Charlotte, North Carolina with his wife Jennifer and their three children. They spend much of their free time watching their children participate in various sports. Brian's personal interests include cooking, fishing, golfing, hunting, music, reading, and traveling.

Katie Scott is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and 10 years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2016. 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, and institutional investors.

Cynthia Galvan is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 65 designations. Her prior experience includes roles at Fidelity Investments and Fidelity Personal and Workplace Advisors before joining Merrill in 2021. 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 individual and institutional clients.

Andrew Harding is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Merrill since 2009 and concurrently affiliated with Bank of America since 2004. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individual, high-net-worth, and institutional clients with model-based and discretionary investment strategies constructed by internal and third-party managers.

Courtland Stout is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 license and four years of industry experience. His prior work includes roles at Bank of America, MML Investors Services, MassMutual, Truist, and Northwestern Mutual. Outside of finance, he is involved in a family-owned wedding and event planning business, Grace + Honey Events, where he assists with event setup and planning. 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 investors.

John Paul Sullivan is a Senior Financial Advisor with the Biedrycki Sullivan Vaughan Group at Merrill Lynch Wealth Management in Charlotte, North Carolina. He began his career in the financial services industry in 2016 with TIAA and joined the Biedrycki Sullivan Vaughan Group in July 2017. At Merrill Lynch, he works with clients to develop and execute customized financial strategies aimed at achieving both their short- and long-term goals, utilizing the resources of Merrill Lynch and Bank of America. John Paul holds a bachelor's degree from North Carolina State University, where he majored in finance and minored in accounting. He is a CERTIFIED FINANCIAL PLANNER (CFP) certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. His expertise encompasses family wealth management strategies, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Outside of his professional role, John Paul is involved in the community through Heart Math Tutoring. He enjoys fishing, football, golfing, hiking, ice hockey, reading, skiing, soccer, table tennis, and spending time with his family.

Isabella Peterson is a financial advisor at Merrill in Charlotte, NC, holding a Series 66 designation with one year of industry experience. Prior to joining Merrill, she held roles at Morgan Stanley and James Madison University. Outside of finance, she is a professional women’s lacrosse player competing in the Women’s Lacrosse League and owns a lacrosse training business focused on coaching girls. 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, and institutional investors.

Cole Cecconi is a Financial Advisor with Merrill Lynch Wealth Management in Charlotte, North Carolina. He works with individuals, families, and business owners to develop personalized financial strategies, focusing on investment planning, retirement planning, wealth management, and long-term financial goals. Cole emphasizes clear communication and thoughtful guidance to assist clients in making confident decisions about their financial future. He began his career with the CBC Group as an intern in 2023 and holds the Personal Investment Advisor (PIA) designation. Cole earned his Bachelor's Degree and Master of Business Administration (MBA) from Rollins College. He leverages his education and experience to provide tailored financial advice aligned with clients' needs and objectives.

Andrew Holden is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Ameriprise and has experience in logistics and capital management, as well as roles related to education and swim club management. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies driven by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations, offering a range of investment approaches including tax-aware strategies and customizable investment restrictions.

Nicholas Sarno is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he partners with clients to create customized wealth strategies that align their investments, retirement plans, and legacy goals with their priorities. His approach involves listening carefully to clients to understand what they value most and developing strategies designed to help them pursue their financial goals. His areas of expertise include executive compensation, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Nicholas utilizes the global investing resources of Merrill, along with access to the credit, lending, and banking services of Bank of America. Nicholas holds a Bachelor's Degree from High Point University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and as a Personal Investment Advisor (PIA). Outside of his professional work, his personal interests include boating, golfing, hunting, music, and surfing.

Gregory Record is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he joined in 2012. He serves as a Senior Portfolio Advisor, managing discretionary custom investment strategies and selecting from Merrill model portfolios and third-party investment options. His work focuses on developing comprehensive and integrated wealth management approaches for individual and business clients. Greg's expertise encompasses a wide range of wealth management services, including investments, personal and business planning, estate planning, trusts, lending services through Bank of America, executive compensation, and corporate advisory services. He works with clients such as business owners, key executives, professionals, real estate entrepreneurs, and retirees, providing both personal wealth management and corporate advisory solutions. Greg graduated from Roanoke College in 2010 and currently serves on the Charlotte Alumni Committee. He volunteers as President of the Rocky River Trout Unlimited Chapter. Outside of work, he spends time with his family, including his wife Emma, their two sons, Wyatt and Ace, and their yellow lab, Hank. His personal interests include fishing, golfing, running, and skiing.

James Henry III is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 2017, bringing extensive experience in financial services dating back to 2000. James specializes in areas including wealth and investment management, cash flow planning, legacy planning, education planning, family wealth management strategies, investment consulting for defined contribution plans, liquidity management, personal retirement planning, philanthropic planning, tax minimization, and retirement income. He holds a Bachelor's Degree in Finance from Florida State University and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). James is a member of the Queen City Corvette Club and participates in community involvement with Princeton's Meow in Concord, NC. Outside of his professional life, James enjoys spending time with his family, boating, football, gardening, golfing, and traveling. He is also an enthusiast of Corvettes and classic cars, and participates in motorsports and Cars and Coffee events.

Edison Miller is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2015, he has served as a relationship manager, focusing on evolving client experience standards and the goal identification process. Edison and his team provide clients with comprehensive wealth management strategies, combining Merrill Lynch’s investment insights and the banking services of Bank of America to address various aspects of their financial lives. Edison began his career in the financial services industry in 2014. His expertise covers a wide range of areas including college education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, small business strategies, and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor of Science in Business Administration from the University of North Carolina at Wilmington. Edison is bilingual in English and Spanish. Outside of his professional role, Edison and his wife Carly reside in the Charlotte area. He has interests in camping, football, golfing, hiking, music, running, soccer, traveling, and spending time with family. He is involved in community organizations such as the Charlotte Rescue Mission and the Humane Society of Charlotte.

Lana Hillis is a financial advisor at Merrill with 31 years of industry experience. She has held Series 63, 65, and 66 credentials and has been with Merrill since 2005. 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 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.

Nicholas Medlin is a financial advisor at Merrill with 17 years at the firm and five years of industry experience. He holds a Series 66 designation. 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 various institutional investors.