Cassandra Urbano is a financial advisor with Merrill in Charlottesville, VA, holding a Series 66 designation and 17 years of industry experience. She has worked at Merrill since 2008 and has also been with Bank of America, N.A. since 2016. 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 and profit-sharing plans, corporations, and charitable organizations.

Nelson Ham is a Senior Financial Advisor based in Charlottesville, Virginia, within the Global Wealth and Investment Management Division of Merrill Lynch Wealth Management. He joined the SCH GROUP in December 2013, which comprises three advisors and one dedicated client associate with over 65 years of combined experience. Nelson has obtained Series 7 and Series 66 FINRA Registrations, as well as state Insurance licensures, and successfully completed Merrill Lynch's five-stage Practice Management Development program. He holds the Personal Investment Advisor (PIA) designation. Raised in Albemarle County, Virginia, Nelson earned a bachelor's degree from the University of Virginia where he studied business and graduated with honors. Prior to joining Merrill Lynch, he worked as an educator instructing students on SAT and PSAT preparation, as a sales and marketing director partnering with a commercial real estate developer in Virginia, and as an Estate Manager assisting affluent families. His expertise includes education planning, family wealth management strategies, legacy planning, philanthropic planning, portfolio management services, socially responsible investing including ESG, individual and corporate investment strategy, tax minimization, and retirement income planning. Nelson is actively involved in his community, volunteering with PACEM and the Virginia Special Olympics. He is also a member of the Monticello Cabinet, supporting preservation and education efforts. In his spare time, he enjoys outdoor activities such as fishing, hiking, and skiing around the Blue Ridge Mountains, as well as spending time with his family.

Martin Harar is a Wealth Management Advisor with nearly 50 years of experience in all aspects of wealth management. He began his career immediately after graduating from Virginia Tech in 1977, spending 36 years at State Farm Insurance, first as an agent in Reston, Virginia, and later transitioning to management in 1995. After retiring from State Farm in 2013, Martin started his career with Merrill Lynch Wealth Management. He holds a Bachelor's degree from Virginia Tech and is a CERTIFIED FINANCIAL PLANNER™ certificant. Martin focuses on clients' goals and concerns, utilizing a goals-based wealth management process to customize plans emphasizing asset preservation and retirement income. His areas of expertise include education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, socially responsible and values-based investing, tax minimization, and retirement income. Martin is actively involved in his community as a parishioner of St. Thomas Aquinas, member of the Knights of Columbus, volunteer at Charlottesville Catholic School and The Covenant School, and member of the Charlottesville Committee on Foreign Relations. He serves as President of the Charlottesville Chapter of the Virginia Tech Alumni Association. He embodies Virginia Tech's motto "Ut Prosim" or "That I May Serve" in both his professional work and community involvement.

Mary Megginson is a financial advisor with Merrill in Charlottesville, VA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has been with Merrill Lynch and its affiliates since 1990. Outside of her advisory role, she is involved part-time with QVC, a home shopping network company. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jennifer Patterson is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial services industry. She has worked extensively with institutional investors on Defined Benefit and Defined Contribution plans, qualified and non-qualified plans, securities lending, performance and risk analytics, plan design, customized communication, and employee education. Jennifer assists clients in navigating complex financial dynamics including wealth accumulation, generational wealth building, retirement planning, income distribution, and related strategies. Her approach utilizes a goals-based wealth management process where she assesses individual situations to identify and prioritize financial goals. Jennifer develops tailored wealth management strategies considering clients' risk tolerance, liquidity needs, and time horizons, tracking progress and adjusting plans as needed due to life changes or market events. Through Merrill's broad suite of products and services, she offers access to banking, lending through Bank of America, investments, estate planning, trusts, and retirement planning to provide comprehensive financial solutions. Jennifer holds a Bachelor of Science in Business Administration with a concentration in Finance from Old Dominion University and is a Personal Investment Advisor (PIA). She is a military spouse who enjoys spending time with her family, crafting, reading, and hiking.

Brock Petrie is a Wealth Management Advisor with Merrill Lynch Wealth Management who began his financial services career in 2011. Prior to joining Merrill Lynch, he spent 15 years in college athletics, focusing on fiscal management and revenue generation. Brock holds several professional designations, including the CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree in Economics and Business from the University of Illinois and a Master's degree in Sports Management from The Ohio State University. Brock works closely with individuals, families, and business owners to develop personalized wealth management strategies that align with their specific goals and financial needs. His areas of focus include college education planning, legacy planning, managing new wealth, personal retirement planning, small business strategies, and retirement income. Brock and his wife, Cindy, live in Charlottesville with their family. He is actively involved in his community and attends City Church in Charlottesville. In his personal time, he enjoys basketball, cooking, football, golfing, pickleball, reading, softball, spending time with family, traveling, and volleyball.

Thomas Fullman is a financial advisor with Merrill in Charlottesville, VA, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has been with Merrill since 2013. 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.

Scott Patterson is a financial advisor at Merrill with 24 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2001, concurrently working at Bank of America since 2009. Outside of his advisory role, he serves as Committee Member and Alumni Association Membership Chair for the US Naval Academy Alumni Association Chapter and is a Chief Staff Officer in the US Navy Reserve, providing synthetic training for deploying combat forces. Merrill serves a wide range of clients including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm utilizes multiple Program Strategy types and an extensive roster of manager-constructed strategies, with investment management overseen by its Chief Investment Officer and platform governance.

Laura Fraser is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America since 2018. Prior to that, she held positions at Ftn Financial Securities Corp and Ftn Financial Capital Markets. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bryan Vides is a Financial Advisor based in Charlottesville, Virginia, affiliated with Merrill Lynch Wealth Management. He has more than 17 years of experience within the financial industry, including ten years serving in Merrill's downtown Los Angeles market and international division in San Diego, California. Prior to his current role, Bryan worked with ultra-high net worth clients at Wells Fargo Advisors in Beverly Hills. Born and raised in Los Angeles, California, Bryan spent three years in Central America before attending California State University Los Angeles, where he earned a bachelor's degree in Business with a major in Finance. He holds Series 7 and Series 66 FINRA registrations, state insurance licenses, and a Real Estate Broker license, which has supported his work advising clients in commercial real estate alongside financial investments. Bryan enjoys spending time with his wife Ana, their three children, and their pets. He is an avid cyclist, runner, and collector of classic cars. He volunteers at the Church of Incarnation, where he provides baptism classes to parents.

Glenn Bannan is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Charlottesville, Virginia. He has over 25 years of experience in the financial services industry, including more than 15 years with Merrill. Glenn specializes in delivering personalized financial guidance and comprehensive wealth management strategies for individuals and families. His approach begins with a thorough discovery process that considers investments, retirement and college savings, insurance, healthcare planning, estate strategies, and tax considerations to develop tailored financial plans aligned with clients' goals and values. Glenn began his career in 1997 with UBS in Atlanta, followed by a role as Vice President at Deutsche Bank, where he assisted families transitioning from private business ownership to holding restricted stock in public companies. After moving to Charlottesville in 2008, he joined Merrill's local office and has since served the community and surrounding areas. He holds a Bachelor's Degree from West Virginia University and has earned several professional certifications, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Glenn is a member of the Central Virginia Estate Planning Council and has been involved in community service, including serving on the board of the United Way of Greater Charlottesville from 2013 to 2015 and leading financial literacy programs for middle school students with the Boys & Girls Clubs of Central Virginia. Outside of his professional responsibilities, he enjoys playing pickleball, tennis, and golf, and values spending time attending his son's soccer, squash, and golf events.

Carol Ham is a financial advisor with Merrill, holding Series 63, 65, and 66 licenses and with 29 years of industry experience. She has worked at Merrill since 1995 and Bank of America, N.A. since 2009. Ham serves as a trustee for Westminster Canterbury of the Blue Ridge, a life care community offering various levels of senior living and care services. 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.

Brian Coffing is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he develops personalized financial strategies and provides strategic advice to individuals, families, business owners, and charitable foundations. He collaborates regularly with a team of firm specialists to address complex financial needs. Brian earned a bachelor's degree in economics from the University of Virginia in 2002. Before joining Merrill Lynch Wealth Management in 2013, he managed a small business in the motorsports industry. He holds Series 7 and Series 66 FINRA registrations, Life and Health Insurance licenses, and is designated as a Personal Investment Advisor (PIA). Outside of his professional work, Brian engages in activities such as tennis, sailing, basketball, and exploring the Blue Ridge Mountains with his Jack Russell terrier.

John Dozier is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in serving affluent families and individuals with complex financial needs. He develops goals-based wealth strategies that align with clients' priorities, values, needs, and objectives. John began his career in Merrill's Junior Executive Training (JET) Program within Asset Management. After earning his Bachelor of Business Administration from Southern Methodist University and his Master of Business Administration from the University of Michigan, he worked on the institutional side of finance, creating derivative strategies for large hedge funds, endowments, pension funds, asset managers, and sovereign wealth funds. He has served as a Visiting Lecturer at the University of Virginia McIntire School of Commerce and holds the Certified Private Wealth Advisor® (CPWA®) designation from the Investments & Wealth Institute™. John has also taught in collaboration with the Yale School of Management’s Wealth Management Theory & Practice program. Beyond his professional expertise, John is a member of The Anglers Club of Charlottesville and actively participates in community organizations including the Southern Environmental Law Center Leaders Council and The Fralin Museum of Art at the University of Virginia Advisory Board. He lives in Southern Albemarle with his wife and two sons and pursues personal interests such as fishing, skiing, and traveling.

Pamela Friedman is a financial advisor at Merrill with 43 years of industry experience. She holds a Series 63 designation and has worked at Merrill since 1984 and Bank of America, N.A. since 2011. Outside of her advisory role, she is a limited partner and 50% owner of an LLC that holds undeveloped property in Charlottesville, Virginia. 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.