Christopher Austin is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. In his role, he manages custom investment strategies on a discretionary basis, selecting from a wide range of Merrill Lynch model portfolios and third-party investment options to help clients pursue their financial objectives. He works with individuals, families, and businesses to create personalized financial plans tailored to short-, mid-, and long-term goals. His expertise includes retirement planning, advanced strategies for affluent clients such as tax mitigation and legacy planning, and connecting clients with Bank of America specialists for banking, credit, home financing, and small business solutions. Christopher holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Christopher earned a Bachelor's Degree from West Chester University. He is involved with professional and community organizations such as the Charlotte Youth Professional Group and Levine Museum, and participates in community initiatives including Beds for Kids and the Carolina Youth Coalition.

Frank Johnson is a financial advisor at Merrill with Series 63 and Series 65 credentials and 37 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. for 25 years and at Bank of America, NA for 17 years. He holds a power of attorney position for an entity named F E J in Charlotte, NC. 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.

James Wolf is a Senior Financial Advisor and Managing Director at Merrill Lynch Wealth Management and a senior partner with The Anderson Wolf Godsey Group. He has been in the financial services industry since 2007 and joined Merrill in 2013. He offers expertise in areas such as college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and women and wealth. James holds a Bachelor of Science degree in Finance and Marketing from the Darla Moore School of Business at the University of South Carolina. He has earned several professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a senior member of The Anderson Wolf Godsey Group, which has over 90 years of experience. His approach focuses on developing strategies for high-net-worth individuals, their families, and their businesses to address all aspects of their financial lives. Beyond his professional work, James serves as President of the Charlotte Gamecock Club and the University of South Carolina Alumni Association Charlotte Chapter. He is also involved with the Cystic Fibrosis Foundation Standout Charlotte and is a member of the Charlotte Chamber of Commerce, Sigma Phi Epsilon, and the SC Alpha Alumni Association. In his spare time, he enjoys golf, football, music, traveling, and spending time with his family.

Cleo Kontoulas is a Senior Financial Advisor at Merrill Lynch Wealth Management. She supports clients by developing personalized wealth management strategies tailored to their unique financial goals. Cleo works closely with her clients using a goals-based approach, integrating insights from the Merrill and Bank of America teams to address areas such as college education planning, executive compensation, family wealth management, retirement planning, and socially responsible investing. Cleo graduated from the University of South Carolina in December 2015 with a Bachelor's degree in Economics and a minor in Finance. She began her career in the financial services industry immediately after graduating and joined Merrill Lynch Wealth Management in January 2020. She holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of her professional work, Cleo volunteers with community organizations. Her personal interests include boating, chess, football, golfing, reading, skiing, soccer, traveling, watching movies, and spending time with her family and dog.

Kelly Upton is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and 23 years of industry experience. She has been with Merrill since 2014. Outside of her advisory role, she serves as an executor for non-investment related entities in South Carolina. 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 clients, and charitable organizations.

Robert Kleiderlein is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on understanding clients’ unique financial situations to develop personalized strategies aimed at helping them pursue long-term goals. His practice emphasizes listening to clients first, addressing areas such as college education planning, divorce transition planning, family wealth management, legacy planning, retirement planning, tax minimization, and retirement income. Robert holds a Master’s Degree from the University of Texas System and a Bachelor’s Degree from Skidmore College. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is fluent in English and French. Residing in South Charlotte with his wife and three teenage children, Robert enjoys outdoor activities such as skiing, hiking, boating, and swimming. He is a competitive masters rower and coaches a Cancer Survivors group focused on recovery, fitness, and peer support. His community involvement includes participation with the Belmont Rowing Center and Y-Guides.

Matthew Stading is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with a select group of clients to help them grow, preserve, and pass on their wealth through strategies that manage cash flow, investment portfolios, and liabilities with tax efficiency in mind. His services include retirement planning, trust and estate planning in collaboration with family accountants and attorneys, company-sponsored 401(k) plan design, 529 college savings plans, and lending solutions through Bank of America N.A. Matthew emphasizes personalized wealth management strategies utilizing time-tested programs. He holds a business degree from the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill and has earned the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. Matthew is a native North Carolinian currently residing in Waxhaw with his wife Taylor and their three children. Matthew is active in his community and participates in volunteering, including involvement with the Arthritis Foundation and the Waxhaw Athletic Association. He is also a member of Forest Hill Church and the Wesley Chapel Weddington Athletic Association.

Jeremy Walier is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has worked at Merrill Lynch Pierce Fenner & Smith since 2016 and previously spent three years with LPL Financial. Outside of his advisory role, he is involved in managing family land holdings in the Adirondack Park of New York through a family LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Grant is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 licenses and five years of industry experience. His prior work includes roles at The Vanguard Group and Bank of America. 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.

Glykeria Kalogeromitros is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She has experience working at Merrill and has also been involved with the UNC Kenan-Flagler Business School and the University of North Carolina at Chapel Hill. Outside of her advisory role, she was associated with Blue Bay Seafood Restaurant for five years. 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 serves individual, high-net-worth, pension, profit-sharing, corporate, and charitable clients using model-based and discretionary investment strategies developed by internal and third-party managers.

John Parker is a financial advisor at Merrill in Charlotte, NC, with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 2008, as well as Bank of America, N.A. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Newbanks is a Wealth Management Advisor at Merrill Lynch Wealth Management, bringing over 35 years of experience to his role. As a second-generation financial advisor, he specializes in helping individuals achieve their financial goals through goals-based investing. His expertise includes college education planning, retirement income, portfolio management services, liquidity management, and managing new wealth. John holds a Bachelor of Science degree in Business Administration from the University of North Carolina at Chapel Hill and earned a Master of Business Administration degree with honors from the University of Notre Dame. He also holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and the Personal Investment Advisor (PIA) certification. Outside of his professional pursuits, John is involved with Saint Gabriel Catholic Church through activities such as the Hand Bells and Men's Club. His personal interests include antiquing, chess, football, genealogy, painting, photography, reading, traveling, watching movies, and writing.

Matthew Bennett is a Financial Advisor with Merrill Lynch Wealth Management, focusing on providing wealth management strategies to high net-worth individuals and industry professionals. He works closely with clients to develop customized strategies that address tax mitigation, risk management, disciplined investment allocation, and long-term capital preservation. Matthew also coordinates with attorneys, accountants, and other trusted advisors to ensure decisions align with an intentional and cohesive financial plan. Matthew's areas of expertise include family wealth management strategies, legacy planning, personal retirement planning, and tax minimization. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Auburn University. He is a member of the Auburn Alumni Association. Outside of his professional work, Matthew is involved with the Boston Police Foundation. His personal interests include golfing, pickleball, running marathons, skiing, spending time with his family, and tennis.

Danna Demos is a financial advisor at Merrill in Charlotte, NC, holding a Series 66 designation with 10 years of industry experience. She has been with Merrill since 2010. 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.

David Krumdieck is a Senior Financial Advisor affiliated with Merrill Lynch Wealth Management. He specializes in providing financial planning and wealth management services that focus on delivering a worry-free retirement for his clients. His areas of client focus include education planning, family wealth management strategies, international wealth management, legacy planning, managing new wealth, portfolio management services, sports and entertainment, tax minimization, and retirement income. David holds a Bachelor's Degree from Auburn University and holds the Certified Trust and Fiduciary Advisor (CTFA) and Personal Investment Advisor (PIA) designations. His expertise involves creating tailored financial strategies that address various aspects of his clients' financial lives to ensure alignment and clarity. Outside of his professional role, David is involved in community activities including supporting the Make-A-Wish organization. His personal interests include biking, boating, cooking, fishing, golfing, hiking, music, photography, skiing, and traveling.

Jennifer All is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Merrill 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 various model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michelle Anderson is a financial advisor at Merrill with 36 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill since 2009, also working at Bank of America since 2011. Outside of her advisory role, she serves as a trustee for Speedway Children's Charities. 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, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Adam Russell is a financial advisor at Merrill with 20 years of industry experience. He has held positions at Merrill since 2009 and Bank of America N.A. since 2008. He 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.

Olivia Romesburg is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. Prior to joining Merrill, she worked at Wells Fargo for three years and has experience in the restaurant industry. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

David J. Cichan is a Managing Director and Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Southpark Office in Charlotte, North Carolina. He has been a financial advisor since 1991, including 15 years at Smith Barney where he served as Senior Vice President – Investments and Senior Portfolio Manager, before joining Merrill Lynch in July 2007. David focuses on working closely with clients to establish their financial goals and develop, implement, and regularly track strategies aimed at achieving those goals. David holds a Bachelor of Science degree in Business Administration with a concentration in Management from Bloomsburg University, earned in 1980. Before entering wealth management, he spent 11 years in the Human Resources field and operated his own consulting firm for five years. He is a Personal Investment Advisor (PIA) by professional designation. Originally from Pennsylvania, David is married to his wife Lisa and they have two children, Alex and Christian. His personal interests include golfing, music, and yoga.