Zarjish Yousa is a financial advisor at Merrill in Chicago, IL, with 10 years of industry experience. She holds the Series 63 and Series 66 licenses and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Michelle Koehn is a financial advisor at Merrill in Chicago, IL, holding Series 63 and Series 65 licenses with 27 years of industry experience. She has been with Merrill since 1997. Outside of her advisory role, she is an owner of a rental property in New Buffalo, Michigan. 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.

Kaitlyn Sawyer is a Financial Advisor at Merrill Lynch Wealth Management. She began her career at Merrill as a summer intern during college and, after graduating with honors from the University of Missouri with degrees in Economics and Political Science, joined the firm as a junior associate on a Merrill Wealth Management team in Chicago. Over time, she has developed a bespoke, high-touch advisory practice serving clients including finance and sales executives, medical professionals, and retirees. Kaitlyn focuses on uncovering and resolving financial blind spots through innovative wealth planning and tax-conscious solutions. Her expertise includes long-term asset allocation, cash optimization, and liquidity strategies, which she customizes for each client through comprehensive wealth planning reviews and Merrill Personal Wealth Analysis®. She holds the Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), and Personal Investment Advisor (PIA) designations. Committed to community involvement, Kaitlyn participates in local initiatives such as the Chicago Community Trust, Tutoring Chicago, and the Big Shoulders Fund. She integrates her professional approach with a dedication to client service and ongoing development within the financial advisory field.

Rachel Cardenas is a financial advisor at Merrill in Chicago, IL, holding a Series 66 designation with five years of industry experience. Her prior roles include positions at Kenosha Human Development Services, Johnson Bank, and TCF Bank, as well as community service work at Children's Hospital of Wisconsin. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Ryan Konsler is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in Family Wealth Management Strategies, Personal Retirement Planning, and Small Business Strategies. Ryan focuses on creating financial strategies that align with his clients' values and help protect their wealth. Ryan holds a Bachelor of Science degree in Business Administration with a concentration in Finance from John Carroll University. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Beyond his professional responsibilities, Ryan is involved in his community as an Associate Board Member of the Daniel Murphy Scholarship Foundation. He enjoys spending time with his family, golfing, and traveling to Door County, Wisconsin.

Nipun Chauhan is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of the Reinhardt Wealth Management Group. Since joining the group in 2019, Nipun has focused on delivering disciplined, process-driven wealth management tailored to the complete financial picture of select families and small business owners. His expertise includes education planning, services for endowments and non-profits, investment consulting for defined contribution plans, personal retirement planning, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income. Nipun is a first-generation immigrant born and raised in India. He earned a Bachelor of Arts in Finance with a minor in Entrepreneurship from Lake Forest College, where he also played college soccer. He holds the Series 7 and Series 66 FINRA registrations and has earned the designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He speaks English, Hindi, Gujarati, and Marathi. Outside of his professional work, Nipun lives in Roscoe Village with his wife and is involved in youth soccer coaching through the American Youth Soccer Organization (AYSO). His personal interests include soccer, swimming, table tennis, cooking, football, music, tennis, traveling, and spending time with his family.

Lindsey Clark is a Financial Advisor and leader of the California division of The BBV Wealth Management Group at Merrill Lynch Wealth Management. She works with a dedicated team to deliver personalized, goals-based wealth management strategies. Lindsey partners closely with individuals and families to simplify complex financial decisions, providing guidance across investment management, financial planning, and long-term wealth preservation. Raised in a family engaged in finance, Lindsey pursued a Bachelor's degree in Mathematics and Economics with a Business minor at the University of California, San Diego. She was selected for Merrill's competitive Financial Advisor Development Program, where she excelled and gained recognition in the industry. Lindsey holds several professional designations including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), and Chartered Retirement Planning Counselor (CRPC). She has spoken at major events such as the Forbes Top Women Advisor Summit. Lindsey serves as Co-Chair of the LGBTQ Giving Council for the Chicago Foundation for Women and is an Auxiliary Board Member for the Lincoln Park Zoo. Outside of her professional commitments, she enjoys hiking, horseback riding, music, painting, pickleball, running marathons, spending time with her family, and traveling.

Alexander Zelasko is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill and Bank of America, N.A., he worked in strategy and spent time at the University of Chicago - Booth School of Business and Parker Hannifin. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Darwin Brown is a financial advisor at Merrill with credentials including Series 63 and Series 66 and three years of industry experience. Before joining Merrill in 2022, he worked at BMO Harris Private Bank and operated his own law practice specializing in estate planning and probate. He serves on the board of directors for the Chicago Sinfonietta and has held various nonprofit and community leadership roles. 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 diverse client base including individuals, pension plans, corporations, and charitable organizations.

Anthony Salazar is a Wealth Management Advisor and managing partner of the Chicago-based HLA Group at Merrill Lynch Wealth Management. He leads the goals-based planning strategy, helping clients navigate complexity with clarity and confidence to achieve their desired financial outcomes. He brings over 18 years of investment and wealth planning experience, partnering with affluent business owners and corporate executives to align financial strategies with priorities such as family, legacy, and long-term purpose. His areas of expertise include college education planning, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, and small business strategies. Anthony holds several professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a bachelor's degree from Western Michigan University and completed accredited certificate programs from DePaul University and the University of Chicago. He is involved with the Roscoe Village Neighbors community group. Anthony resides in Chicago with his wife, two children, and dog, Ruby. In his personal time, he enjoys basketball, billiards, boxing, cooking, football, interior decorating, music, spending time with family, traveling, and watching movies.

James Marshall IV is a financial advisor at Merrill with a Series 66 designation and approximately two years of industry experience. Prior to joining Merrill, he worked in journalism with Missouri Business Alert and Columbia Missourian, and has an academic background including time at the University of Missouri and the University of Notre Dame. 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 and profit-sharing plans, corporations, and charitable organizations.

Amber O’malley is a financial advisor with Merrill in Chicago, IL, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. She has been with Merrill and Bank of America since 2015. 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, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ethan Jackson is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2020. Prior to his current role, he held positions at companies including Total Wine, RippleMatch, and Mutual of Omaha. 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 plans, corporations, and charitable organizations.

Andy Timmerwilke is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads the Oberlander Timmerwilke Group, focusing on holistic and unbiased financial guidance for goal-oriented individuals and families, including business owners, executives, entrepreneurs, and retirees. Andy's expertise encompasses family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, and portfolio management services. Andy holds several professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), and Certified Exit Planning Advisor (CEPA). He earned a bachelor's degree from Rasmussen College and attended Illinois State University. He and his team are committed to lifelong learning to stay current on industry strategies and serve clients comprehensively. Outside of his professional role, Andy is active in his community, serving as a board member of the Elmhurst Children’s Assistance Foundation. He lives in Elmhurst, Illinois with his wife and three daughters. His personal interests include running, skiing, traveling, and spending time with family.

Thomas Mathew is a Senior Financial Advisor at Merrill Lynch Wealth Management. He serves successful individuals, their families, and often their closely held businesses with a focus on retirement planning, investment portfolio design with tax efficiency and volatility mitigation, banking and lending needs, educational planning, and wealth transfer strategies. Thomas approaches wealth management with a holistic review of each client's financial situation and a deep understanding of their unique objectives, providing customized, goals-based financial strategies. Thomas holds a Bachelor's Degree from Northwestern University and carries professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is licensed with NMLS ID 559417 and offers banking and lending services through Bank of America N.A. Thomas works closely with a team of specialists to assist clients in areas such as trust and estate planning, alternative investments, insurance, home loans, and commercial banking. A lifelong Chicagoan, Thomas dedicates time to volunteering with community organizations. Outside of work, he enjoys hiking, music, spending time with his family, table tennis, and tennis.

Meredith Mullins is a financial advisor at Merrill in Chicago, IL, holding a Series 66 designation. She has worked in the financial industry since 2015, with prior roles at Flow Therapy, Mere's, and Pursue before joining Merrill and Bank of America in 2026. 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, and institutions.

James Murphy is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and has been with Merrill Lynch, Pierce, Fenner and Smith Incorporated and Bank of America, N.A. since 2011. Outside of his advisory role, he serves as co-trustee of a family trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, pension, corporate, and charitable clients.

Christopher Jablonsky is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with individuals and families to simplify their financial lives and help them focus on their priorities. Christopher's approach involves understanding what matters most to his clients and creating strategies to pursue their financial goals. His areas of expertise include executive compensation, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, and retirement income. Christopher assists clients with a range of financial planning needs, from general investing to preparing for retirement and managing unexpected events. Christopher holds a Bachelor's Degree from Illinois State University and holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, he enjoys spending time with his family and engaging in sports such as baseball, football, golfing, and ice hockey.

Charles Worms is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior experience at Merrill Lynch and Inno-Flex Corporation / Robert-Half. His background also includes roles during his studies at Miami University of Ohio. 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 supported 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.

Jeffrey Morse is a Private Wealth Advisor at Merrill Private Wealth Management. With over 20 years of experience in wealth management, he has been with Merrill since 2009, joining after more than a decade of experience at two other investment firms. Prior to his financial career, Jeffrey worked in engineering and robotics for a high-technology company based in Silicon Valley. As a qualified Portfolio Manager, he provides clients with tailored financial strategies, including the management of personalized portfolios incorporating individual stocks, bonds, Merrill model portfolios, and third-party investment strategies. He also serves clients through the firm's Investment Advisory Program, managing strategies on a discretionary basis where appropriate. Jeffrey holds a Bachelor's degree in engineering from the University of Illinois at Urbana–Champaign and an MBA in Finance from the University of Chicago Booth School of Business. He is a Personal Investment Advisor (PIA). His experience includes supporting high-net-worth clients, particularly focusing on the largest private business owners and CEOs in the United States. Outside of his professional work, Jeffrey is involved in community organizations such as the Black Bear Youth Hockey Foundation. He and his wife, Christine, reside in Winnetka, Illinois, with their four children.