Matthew Burns is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 designations and two years of industry experience. His prior work includes roles at UBS Financial Services, JPM Distribution Services, and Bank of America. 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.

Michael Reddish is a CFP® and Series 63-registered financial advisor with Merrill in Charlotte, NC. He has 11 years of industry experience, all with Merrill since 2015. Merrill, together with 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.

Paola Rivera Llorens is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. Her background includes roles at Bank of America and Banco Popular de Puerto Rico, as well as time spent in training and education. 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 clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

William Windley is a Series 66-licensed financial advisor with Merrill in Charlotte, NC, with 13 years of industry experience. He has been with Merrill since 2012. Outside of his advisory role, he serves as a board member on the finance committee for the Warlick Family YMCA in Gastonia, NC. 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.

Richard Sterling is a Wealth Management Advisor at Merrill Lynch Wealth Management. He assists clients by focusing on what truly matters in their financial lives, providing guidance on a range of topics including tax-efficient investment strategies, retirement income, estate planning coordination, insurance evaluation, and lending options. Richard emphasizes building evolving financial plans tailored to clients' unique circumstances, family priorities, and market conditions. He specializes in areas such as college education planning, executive compensation, family wealth management strategies, LGBT wealth planning, liquidity management, personal retirement planning, women and wealth, tax minimization, and retirement income. Richard is a CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a bachelor's degree and a master's degree from the University of North Carolina System. Outside of his professional work, Richard enjoys basketball, biking, cooking, football, hiking, music, skiing, soccer, spending time with his family, and watching movies. He is a member of the Metrolina Business Council and participates in community activities such as the 24 Hours of Booty event.

Valencia Hill is a Series 66-licensed financial advisor at Merrill with 2 years of industry experience. She has worked at Bank of America, N.A. and Wake Forest University since 2025 and has been with Merrill since 2014. Hill serves as a board member of the Greensboro Symphony Orchestra, where she participates in voting on initiatives and promoting attendance. 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 and profit-sharing plans, corporations, and charitable organizations.

Christian Coyle is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. Prior to joining Merrill, he worked at Invictus Capital Partners and has a background that includes roles in the solar energy sector and accounts payable. Outside of his advisory role, he serves as a consultant for Veritas Capital, LLC, a company specializing in distressed real estate properties. 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, pensions, corporations, and charitable organizations.

Steve Boland is a financial advisor at Merrill in Charlotte, NC, holding a Series 66 designation with seven years at Merrill and four years of prior experience at Duke University. He serves as an officer for CYPGives, Inc., a charitable organization that fundraises for local nonprofits in Charlotte, and is a board member of The Charlotte ETA Group, which supports acquisition entrepreneurs and business development in the Charlotte area. 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.

Stephanie Titus is a financial advisor at Merrill in Charlotte, NC, holding a Series 66 credential with 16 years of experience at Merrill and a total of 4 years in the industry. 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.

Kathleen Burns is a financial advisor at Merrill with three years of industry experience. She holds a Series 66 designation and previously worked at Ford Motor Credit Company for 34 years. She also serves as an executor in a fiduciary capacity outside of her advisory role. 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 and institutional clients.

Todd Galeota is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2016 and Bank of America, N.A. since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Lawrence is a financial advisor at Merrill in Charlotte, NC, holding a Series 66 designation with four years of industry experience. He has been with Merrill since 2010, totaling 16 years at the firm. 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 developed by internal teams and third-party managers.

David Fohr II is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 65 designations and 28 years of industry experience. His prior roles include positions at UBS Financial Services, Wells Fargo Clearing, and Wells Fargo Advisors. 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.

Sandlin Douglas is a financial advisor at Merrill with 23 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at institutions including Bank of America, Wells Fargo Clearing, and Wachovia Bank. He serves as board chair of Senior Services of Forsyth County and holds board positions with several nonprofit organizations focused on education, the arts, and community welfare. 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, and institutions, integrating strategic asset allocation and tax-aware options.

Adam Davey is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on legacy planning, personal retirement planning, and tax minimization. Adam works with clients to develop strategies that address their short-, mid-, and long-term financial goals and provides ongoing advice tailored to changing needs. He facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Before transitioning to financial advising, Adam spent ten years in the golf industry as a member of the PGA. His passion for investing motivated a career change that continues to emphasize helping clients in meaningful ways. He describes his approach as transparent, honest, and focused on simplification and stress reduction in the financial planning process. Adam holds a Bachelor's Degree from Pfeiffer University, an Associate's Degree from Loughborough University, and a High School Diploma from Spalding Grammar School. He has earned the Personal Investment Advisor (PIA) designation. Outside of work, Adam enjoys golfing, soccer, and spending time with his family.

Brent Collins is a financial advisor with Merrill based in Charlotte, NC, holding a Series 66 credential and eight years of industry experience. Prior to joining Merrill in 2018, he worked at Wells Fargo for eight years. Outside of his advisory role, Mr. Collins serves on several nonprofit boards, including the Leukemia & Lymphoma Society and Leadership Winston-Salem, and is involved with the Novant Health Forsyth Medical Center Foundation. 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, pension plans, corporations, and charitable organizations.

Parker Tootle is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, Merrill, Indian Creek Yacht & Country Club, and NewPower Worldwide. 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 a wide range of clients including individuals, high-net-worth clients, and charitable organizations.

Kent Fox is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with the firm since 1998 and holds the Chartered Retirement Planning Counselor (CRPC) designation from The College for Financial Planning Institutes Corp. In addition, he is approved to use the Merrill title of Senior Portfolio Advisor, which allows him to manage custom investment strategies on a discretionary basis and select from a wide range of Merrill model portfolios and third-party investment strategies. Kent's professional experience includes coordinating the financial affairs of families, retirees, corporate executives, and business owners while employing a goals-based approach to wealth management. He graduated first in his department from Penn State University with a Bachelor of Science degree. Prior to his university education, Kent served 3.5 years in the U.S. Army, attended the U.S. Army Ranger Leadership School, and served six months in Somalia during Operation Restore Hope. Kent currently resides in Fort Mill, SC with his wife Denise and their three children. He enjoys fishing, hiking, traveling, and spending time with his family. He actively contributes to his church, the YWCA of the Carolinas, and Veteran's Bridge Home in Charlotte. After 15 years of volunteering for his children's sports, school clubs, and fundraising, he is currently in transition from those activities.

Jason Martin is a Wealth Management Advisor with over 20 years of experience in the financial services industry. He began his career managing and instructing a martial arts school in the Charlotte area, which became one of the top-rated schools in North America, before transitioning to financial advisory services in 2000. Since joining Merrill Lynch Wealth Management, Jason has focused on assisting individuals, families, and businesses in achieving their financial goals through comprehensive wealth planning. Jason holds a Bachelor’s Degree in Business and Finance from the University of North Carolina Charlotte and is certified as a CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His areas of client expertise include corporate executive services, executive compensation, defined benefit plans, legacy planning, liquidity management, managing new wealth, personal retirement planning, socially responsible and ESG investing, tax minimization, and retirement income. Residing in Kannapolis, North Carolina, Jason lives with his wife and two children. Outside of his professional work, he maintains an active lifestyle enjoying adventure sports, biking, hiking, football, and traveling. He continues to practice martial arts, holding a Fifth Degree Black Belt in Shorinji Kempo and a First Degree Black Belt in Arnis, and is engaged with several professional organizations.

Audra Almeida 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 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, and institutional investors.