Michael Tarpy is a Senior Financial Advisor at Merrill Lynch Wealth Management and a co-founder of the ST Group. He joined Merrill in 2014 after a 16-year career as an options and equities trader, where he developed extensive experience in the financial markets. Michael applies both technical insight and an understanding of client priorities to help individuals crystallize their long-term goals and identify strategies aligned with their aspirations. Michael specializes in areas including college education planning, family wealth management, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor of Science degree in Business Administration from the University of Tennessee and carries the Personal Investment Advisor (PIA) designation. A native of Nashville, Tennessee, Michael currently lives in Chicago, Illinois with his wife and two children. He is actively involved in his community, serving on the Board of Directors for the St. Ignatius Rowing Club. Michael also enjoys skiing in Whistler, British Columbia and golfing at the Racine Country Club.

Richard Breitenecker is a Financial Advisor with Merrill Lynch Wealth Management, bringing more than 25 years of experience in the financial industry. He works with families and individuals to support their wealth growth and management, focusing on delivering personalized strategies that align with their unique ambitions. His expertise includes college education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Richard collaborates closely with clients to define their financial goals and develops tailored portfolio strategies that adapt as their situations evolve. He holds the Personal Investment Advisor (PIA) designation. Richard earned a Bachelor's degree from Duke University and an MBA from the University of Chicago. He is active in several professional organizations, including the Duke University Chicago Alumni Club, the Security Traders Association of Chicago, and the University of Chicago Booth Alumni Club. His community involvement includes participation with Chicago Blues Lacrosse, Illinois Girls Lacrosse Association, Lakeshore Lacrosse Club, and Paws Chicago. Outside of work, he enjoys adventure sports, golfing, music, pickleball, racquetball, skiing, surfing, tennis, traveling, and volleyball.

Daniel Eurich is a Financial Advisor with Merrill Lynch Wealth Management. He advises clients in areas including college education planning, legacy planning, and personal retirement planning. Daniel holds a Bachelor's Degree and a Master's Degree from Florida State University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Originally from Florida, Daniel currently resides in Chicago. Outside of his professional duties, he enjoys cooking, football, golfing, running, skiing, spending time with his family, and traveling.

Jack Prock is a financial advisor at Merrill in Chicago, IL, holding a Series 66 designation. He has been with Merrill since 2024 and has prior experience at Miami University and Amazon. 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.

Sandra Seaborg is a financial advisor at Merrill with 36 years of industry experience. She has held her current position at Merrill Lynch since 2010 and holds Series 63 and Series 66 designations. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Erica Means is a financial advisor at Merrill with 10 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at JPMorgan Chase Bank NA and J.P. Morgan Securities LLC. Based in Chicago, IL, she has been with Merrill since 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies managed by internal teams and third-party style managers.

Sean Jamison is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has been with Bank of America and Merrill since 2015. 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.

David Wright is a Private Wealth Advisor at Merrill Private Wealth Management. He brings over 33 years of wealth management experience to his work with a select group of families and private foundations. David focuses on helping clients define and articulate their goals for their wealth and designs strategies to align their investment objectives with opportunities in the capital markets. His expertise includes managing liquidity events such as business sales, diversification of concentrated stock positions, and inheritance planning. David began his financial services career working on the Chicago Board Options Exchange for J.P. Morgan and later joined Morgan Stanley in 1988, where he served as an Executive Director in the Private Wealth Management division. In 2002, he moved to Merrill. He is a Personal Investment Advisor and a specially qualified Senior Portfolio Manager, providing customized portfolio construction, risk management, and wealth transfer strategies. David has been recognized on Forbes' "Best-in-State Wealth Advisors" list and Barron's "Top Financial Advisors" list multiple times, as well as being named to the Financial Times Top 400 Financial Advisors in 2016 and 2017. He holds a bachelor's degree in business administration from the University of Michigan and an MBA in finance from Northwestern University. Outside of his professional activities, David enjoys biking, golfing, swimming, and writing.

James Oberheide is a Private Wealth Advisor and Managing Director leading The Oberheide-Schlesinger Group at Merrill Private Wealth Management. He manages a team focused on providing personalized investment advice to a select group of affluent families, trustees, entrepreneurs, executives, and private foundations. Prior to joining Merrill, James was a Managing Director and Senior Investment Consultant at Morgan Stanley Private Wealth Management. He also worked as a Principal and Senior Advisor with Bernstein Global Wealth Management and managed relationships at Lotus Development Corp.'s OneSource Division. With over thirty years of experience in financial services, James specializes in generational wealth planning and advising significant assets. He has been recognized on Forbes Magazine's Best-In-State Wealth Advisors list from 2016 to 2024 and the Best-In-State Wealth Management Teams list in 2023 and 2024. He has also been named to Barron's Top 1,200 Financial Advisors from 2011 to 2023 and the Financial Times FT Top 400 Advisers. James has served as a featured speaker at Barron's Top Advisory Teams and Chicago Regional Summits and contributed video content for Barron's. James earned his Bachelor of Arts degree in communications from Southern Illinois University. He holds FINRA Series 7, 31, 63, and 65 licenses and has obtained the Personal Investment Advisor (PIA) designation.

Robert O'Neill is a Senior Financial Advisor at Merrill Lynch Wealth Management with over eight years of experience in the financial services industry. He specializes in helping families and individual clients develop personalized wealth management strategies to pursue their long-term financial goals. In his role, Robert leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to tailor flexible strategies that align with clients' needs and changing market conditions. Robert holds a Personal Investment Advisor (PIA) designation. He earned his High School Diploma from Providence Senior High School and attended the University of North Carolina System without obtaining a degree. He is actively involved in his community, serving on the Lincoln Park Zoo Auxiliary Board. Outside of his professional responsibilities, Robert enjoys golfing, music, racquetball, scuba diving, skiing, surfing, and watching movies. His approach centers on working one-on-one with clients to create financial strategies designed to support their unique goals.

William Krug is a Wealth Management Advisor with Merrill Lynch Wealth Management, working within The Scandariato Group. He focuses on helping clients define their priorities and financial goals, developing tailored strategies to achieve those objectives, and actively monitoring progress throughout the process. William serves a diverse client base including business executives and second-generation business owners, offering guidance on financial growth, business sales, and holistic financial planning. William began his career at Merrill Lynch Wealth Management in 2019 after completing a professional baseball career with the Windy City Thunderbolts. He is a graduate of the University of Illinois, where he earned a bachelor's degree in civil engineering and was a member of the varsity baseball team. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of his professional work, William lives with his wife Liz and their son in the northwest suburbs of Chicago. He enjoys spending time on the golf course, at his lake home in Wisconsin, and continues to pursue his interest in baseball by providing instruction to local players. He is also involved with the Park Ridge Baseball/Softball organization.

Mason Mahoney is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at the University of Arizona, the Cato Institute, and the United States Senate. Outside of finance, he has experience working in the restaurant industry and educational settings. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Leah Green is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2021. Outside of her advisory role, she is employed part-time as a restaurant hostess at Liam Fitzpatrick's in Lake Mary, Florida. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Rory Gallagher is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His work history includes eight years each at Merrill, Bank of America, and Northern Trust Securities Inc. 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.

Paul Kavanaugh is a Financial Advisor at Merrill Lynch Wealth Management based in the Bank of America Tower in Chicago. He joined Bank of America and Merrill in November 2022 to leverage his extensive financial industry experience to assist clients in planning for and achieving their financial and life priorities. Paul works with individuals and families, particularly those approaching or in retirement, focusing on delivering clear, coordinated financial plans beyond just investment management. He utilizes Merrill's Personal Wealth Analysis® to help clients quantify where they stand, define their priorities, and stay on track toward their financial goals. With over 25 years of experience in commodities and markets, Paul began his career after earning a Bachelor of Arts in Economics from Albion College. He spent 26 years in commodity brokerage, serving as a Research Analyst with media appearances on outlets such as the Wall Street Journal, CNBC, and CBS National News. His expertise areas include executive compensation, family wealth management strategies, liquidity management, personal retirement planning, sports and entertainment, and tax minimization. His professional designations include Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Beyond his professional role, Paul is involved with Bank of America's Intergenerational Employee Network and participates in community activities such as the Bank of America Marathon. His personal interests include boating, jet skiing on Lake Michigan, cooking, and swimming, with a particular enjoyment for grilling for friends and family.

Cole Severson is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Goldman Sachs & Co, Dreamweavers INC, Cornerstone Wealth Services, and the University of Wisconsin-Madison. 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 and third-party managers and serves a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Brunner is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior roles include positions at The Mather Group and Comprehensive Financial Consultants, along with various periods of full-time 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Can Cui is a financial advisor at Merrill based in Chicago, IL, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Bank of America, JF Dining Inc., Computer Systems Institute, and BIR Training Center. 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.

Robert Gale is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at JP Morgan Chase Bank and JP Morgan Securities. He is based in Chicago, IL. 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, and institutions.

David Ponsot is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he collaborates with select individuals and families to develop goals-based portfolios that address retirement planning, college saving, wealth transfer, and portfolio management services. He leverages a team of professionals to provide comprehensive support in investment management, banking, home financing, securities lending, and tax minimization strategies. David also focuses on serving clients in the sports and entertainment sectors. David holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Chartered Retirement Planning Counselor™ (CRPC) designations, as well as credentials as a Personal Investment Advisor (PIA) and in Sports & Entertainment (SE). He earned a Bachelor's degree in Finance from DePaul University and has been with Merrill since 1995. Outside of his professional responsibilities, David resides in Chicago’s Lincoln Park neighborhood with his wife, Beth, and their two children. His personal interests include golfing, softball, skiing, fishing, hiking, music, and spending time with family. He is also involved with Companies That Care, an organization promoting socially responsible employment practices.