Michael Ribich is a Senior Financial Advisor with The J&R Group at Merrill Lynch Wealth Management. In his role, he manages day-to-day administration of complex client relationships for both individuals and institutions and contributes as a co-leader in the team's marketing efforts. He specializes as a Retirement Benefits Consultant, assisting corporations in the development and execution of retirement plans. Michael holds the designations of Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His educational background includes a high school diploma from Marist High School and completion of a non-accredited certificate program from UCLA Anderson School of Management Executive Education. He is affiliated with professional organizations such as the Associated Equipment Distributors, National Association of Plan Advisors, and National Marine Manufacturers Association. Born and raised on the southside of Chicago, Michael resides in Western Springs, Illinois, with his wife Kimberly and their three children. He enjoys boating, fishing, baseball, football, golfing, and spending time with his family. Michael maintains a connection to his community through involvement with Marist High School.

Stephen Misner is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked for 13 years at Grosvenor Capital Management, L.P. before joining Merrill in 2022. 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.

Michael Reinhardt is a Wealth Management Advisor with over 30 years of experience in wealth management and investments. He is affiliated with Merrill Lynch Wealth Management and focuses on a planning-based approach combined with a high-touch service model. Michael provides clients with custom-tailored wealth management strategies that address wealth accumulation, preservation, and transfer. His work includes portfolio development, liability management, tax minimization strategies, and asset preservation, with an emphasis on securing a retirement income stream for life. Michael works with a diverse client base, including business owners of for-profit and non-profit entities, offering strategies related to cash management, financing, and retirement plans. His areas of expertise extend to divorce transition planning, employee benefits planning, legacy planning, philanthropic planning, portfolio management services, individual and corporate investment strategy, tax minimization, and services for endowments, foundations, and non-profits. He values building enduring client relationships through objective guidance and outstanding service, often resulting in multi-generational client relationships. Michael holds a Bachelor's Degree from Miami University and has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, he is involved with the Great Lakes Adaptive Sports Association and the Make-A-Wish Foundation of Illinois. His personal interests include ice hockey, soccer, and spending time with his family.

Joel Cohen is a financial advisor with Merrill in Chicago, IL, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked at Bank of America, N.A. since 2015 and Merrill since 2013. Outside of his advisory roles, he is involved with Wisco Water, LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, and institutional investors with model-based and discretionary investment strategies developed by internal and third-party managers.

Jaime Salwierak is a financial advisor at Merrill with 24 years of industry experience. He has been with Merrill since 2011 and holds Series 63 and Series 66 licenses. 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 managed by internal CIO teams and third-party style managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Dorothy Korbel is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2021 and previously held roles at Bank of America/U.S. Trust and Bank of America, N.A. Outside of her advisory work, Korbel serves as a co-trustee for a Special Needs Trust and is a member of the Lyric Opera Planned Giving Advisory Council in Chicago. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm utilizes model-based and discretionary investment strategies developed by internal and third-party managers.

Owen Corazzelli is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Fis and several positions associated with Indiana University. 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.

Savannah Braxton is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has been with Merrill since 2019 and previously worked at Woodforest National Bank and held academic roles at DePaul University, Concordia University Chicago, and the College of Lake County. Outside of her advisory role, she works as a consultant and independent contractor for delivery and task services companies. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Seamus Carney is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill for over 17 years and works with a specialized team of Retirement Benefit Consultants. In this role, he serves as a Fiduciary for clients' 401(k) and other company-sponsored retirement plans, partnering with Plan Sponsors and committees to conduct regular reviews and provide education and support to participants and their beneficiaries. Seamus also manages investment portfolios for families and offers guidance with probabilistic projections to help clients make rational, fact-based decisions. With over 20 years of experience, Seamus supports corporate retirement planning clients through advisory services and works closely with plan executives and participants on wealth management and retirement planning. His areas of expertise include college education planning, divorce transition planning, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategy, and retirement income. Seamus graduated from the University of Illinois System with a bachelor's degree. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In his personal time, he enjoys sailing, cycling, ice hockey, skiing, yoga, and boating. He resides in the North Shore of Chicago with his family, who are engaged in various community and charitable activities.

Riley Keltner is a Financial Advisor with Merrill Lynch Wealth Management. In this role, Riley works closely with individuals, families, business owners, and executives to develop personalized wealth management, retirement, and investment strategies. Riley's work focuses on helping clients navigate important financial decisions with clarity and confidence, aiming to align financial plans with each client's unique ambitions and priorities. Riley's areas of expertise include education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Holding the Professional Investment Advisor (PIA) designation, Riley earned a Bachelor's Degree from Indiana University and is a member of the Sigma Alpha Epsilon professional organization. Outside of professional pursuits, Riley's personal interests include cooking, fishing, golfing, running, and traveling.

Raymond Baniewicz is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley for seven years. His background includes academic appointments at Olivet Nazarene University and the University of Illinois. 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 a range of model-based and discretionary investment strategies.

Nathan Ciocca is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at VML and Bank of America. Nathan has also held various positions outside finance, including employment at The Venetian Las Vegas and Torchy's Tacos. 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 a range of clients, including individuals, high-net-worth investors, and institutional entities.

Nell Vandeveld is a Financial Advisor with Merrill Lynch Wealth Management and a member of the BBV Wealth Management Team. She focuses on empowering clients to feel confident in their financial decisions by taking a holistic approach to wealth management. Nell collaborates closely with clients' CPAs and estate attorneys to ensure that financial strategies align with their overarching goals. With expertise in areas such as college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, personal retirement planning, philanthropic planning, women and wealth, tax minimization, and retirement income, Nell brings a comprehensive perspective to her advisory role. She holds a Personal Investment Advisor (PIA) designation. Nell earned her bachelor's degree from Indiana University and graduated from Mother McAuley High School. Outside of her professional work, she is involved with the community organization PAWs Chicago and enjoys activities such as golfing, singing, spending time with her family, swimming, traveling, and yoga.

Sean Kennedy is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials. His previous roles include positions at E*Trade Securities LLC, Northern Trust, Millennium Trust Company, and an earlier tenure at Merrill. Kennedy serves as a board member for EGKs for EGK, a charitable organization focused on fundraising for AED equipment and heart screenings in the Greater Chicagoland 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Milta Hernandez is a financial advisor at Merrill with 27 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Merrill since 2018. Her prior experience includes roles at Fifth Third Securities from 2015 to 2017. 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.

Morgan Bryan IV is a financial advisor with Merrill in Chicago, Illinois. He holds a Series 66 designation and has 22 years of industry experience. He has been with Merrill, Lynch, Pierce, Fenner & Smith Incorporated since 2013. Outside of his advisory role, he serves as a power of attorney for his in-laws. 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.

Roshan Singri is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previously worked at Merrill Lynch and First Merchants Bank. His early career includes several roles connected to The Ohio State University and positions in the food service 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anders Kilen is a financial advisor at Merrill with a Series 66 designation and approximately four years of experience. His prior work history includes roles at the University of Wisconsin, TDS Telecommunications, 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations by offering model-based and discretionary investment strategies supported by internal and third-party managers.

Lawrence Dragani is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at U.S. Bank, Wisconsin Club, Johnson Financial Group, Clarios, Marquette University, Northern Indiana Manufacturing, and Plymouth High School. 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.

Helen Balch is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been a financial advisor since 1993, bringing over 25 years of wealth management experience to her clients. Helen works closely with two financial advisors she has known for over 20 years, as well as a team of Client Associates focused on delivering an outstanding client experience. Their team provides access to specialists in banking through Bank of America, trust management, and philanthropy. Helen began her financial services career in 1984 as a municipal bond buyer for Unit Investment Trusts with Tucker Anthony in New York. After relocating to Chicago, she expanded her experience in the municipal bond market as an underwriter, where she monitored new issues and competitively bid on them. She later transitioned into her role within the Wealth Management Group. Helen holds a Bachelor of Science degree in Management and Economics from C.W. Post College, Long Island University. She has earned the designations of Certified Divorce Financial Analyst (CDFA) and Personal Investment Advisor (PIA). She is a member of professional organizations including the National Association of Women Business Owners and the Women's Exchange of Chicago, where she is also involved in mentoring. Additionally, Helen participates in community groups such as the Kenilworth Garden Club. She lives in Wilmette with her husband and their four sons, and dedicates time to her family and their boys' hockey programs.