Steven Rusnak is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 25 years of experience in investment management, working with a diverse range of clients and firms. His expertise centers on client service, portfolio management, and research, through which he supports clients in managing and growing their assets while aligning with their risk tolerances to achieve long-term financial goals such as education funding, philanthropic giving, and retirement planning. Steven holds a Bachelor’s degree in Economics from the University of Michigan and an MBA in Finance from the University of Michigan—Ross School of Business. He is a Chartered Financial Analyst (CFA) charterholder and a Personal Investment Advisor (PIA). Steven is also active in his community, serving as a member of the steering committee of Beth Chaverim Humanistic Jewish Community and volunteering with organizations including the Girl Scouts of America. Outside of work, he enjoys outdoor activities such as hiking, cycling, skiing, and playing hockey.

Benjamin Wagner is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at BMO, Salem Group, and Northwestern Mutual before joining Merrill. 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.

James Kiwiet is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he assists individuals and families with various financial decisions, offering personalized guidance tailored to clients' objectives. His expertise encompasses retirement planning, 401(k) and retirement account rollovers, asset allocation, portfolio construction, wealth management strategies, investment guidance, and financial goal planning. James holds a Bachelor's Degree in Marketing and Economics from Grand Valley State University and has earned the Personal Investment Advisor (PIA) designation. His approach emphasizes understanding clients' priorities through conversation, developing strategies aligned with their values to help them achieve financial security and confidence. Outside of his professional endeavors, James enjoys golfing, music, photography, pickleball, reading, swimming, and watching movies.

George Huggins is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 20 years of experience working with high net worth individuals and their families to design and manage investment portfolios that align with their cash flow requirements and long-term estate plans. He also specializes in liability management strategies that consider all aspects of a client's wealth and liquidity needs. Prior to joining Merrill in 1998, George managed a team of analysts at FleetBoston in Chicago, focusing on public and privately held middle market companies. He holds a Master’s degree in Financial Management from The University of Chicago and a Bachelor’s degree in Physics from DePauw University. George holds the Certified Investment Management Analyst (CIMA®) and Personal Investment Advisor (PIA) designations, and his FINRA registrations include Series 7 and 66.

Todd Helfrich serves as a Private Wealth Advisor at Merrill Private Wealth Management, where he works with clients and their advisors in the Midwest and across the country to develop and execute integrated wealth plans aligned with tailored financial and philanthropic goals. He focuses on family wealth management strategies, philanthropic planning, portfolio management services, and socially responsible investing. Todd joined Merrill after eight years advising ultra-high net worth families and managing charitable foundations at J.P. Morgan Private Bank. Prior to that, he spent over six years in national security service for the United States and began his career in investment banking, specializing in mergers and acquisitions, leveraged buyouts, and debt capital markets transactions at Deutsche Bank Securities. He graduated cum laude from Princeton University with a B.A. in Politics and earned an M.B.A. with honors in Finance from Georgetown University. Todd holds the Personal Investment Advisor (PIA) designation. He is also a member of the Board of Advisors at the University of St. Mary of the Lake. Todd is married with three daughters and resides in Lake Bluff, Illinois. His personal interests include football, golfing, spending time with his family, and traveling.

John Smith is a Private Wealth Advisor and senior advisor of the Smith-Davis-Morse Group at Merrill Private Wealth Management. He has more than 30 years of experience in wealth management and investment banking, providing customized financial and investment guidance to affluent individuals and families across the United States. He and his team work with entrepreneurs, senior executives, and multi-generational families to manage financial and investment risk and maintain wealth for the future. His expertise focuses on tailored wealth management offerings for ultra-affluent clients, including investment management, concentrated stock management, pre and post-liquidity event strategies, banking and lending services, estate planning, philanthropy, and tax-sensitive wealth transfer. The team acts as a single point of contact for clients with complex needs that span multiple lines of business, emphasizing diligent and proactive outreach and a strong focus on client goals. John holds a master's degree from the University of Chicago and a bachelor's degree from Bowdoin College. He is a Personal Investment Advisor (PIA) and active in professional organizations such as the Medinah Country Club, The Chicago Club, and serves on the Board of Trustees for The Harris Theater for Music and Dance. His previous community involvement includes board membership at La Rabida Children's Hospital, The Power House High School, and The St. Joseph Carondelet Child Center.

Isabelle Decombaz is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she held various roles including multiple positions at Denison University and the Embassy of El Salvador. 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.

Daniel Schuld is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He previously worked at FactSet and Northern Trust Securities, Inc., and has had multiple periods of employment with Merrill. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Kenneth Gaddy Jr. is a Financial Advisor at Merrill Lynch Wealth Management, specializing in helping executives and business owners manage complex financial situations that arise from career growth, business ownership, and increased wealth. His work focuses on coordinating various aspects of clients' financial lives to enable confident and intentional decision-making. His areas of expertise include investment management, retirement planning, tax-aware wealth strategies, equity compensation, business owner planning, estate and legacy planning, charitable giving strategies, and managing major liquidity and life transitions. Kenneth utilizes Merrill's proprietary Personal Wealth Analysis™ to offer a planning-first approach that emphasizes clarity, customization, and long-term value. Kenneth holds a Bachelor's degree from Central Michigan University and has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is involved with organizations such as Girls in the Game and Sigma Chi Fraternity, and participates in community initiatives including Feed My Starving Children and Innovative Entrepreneur, NFP.

Seth Wadley is a financial advisor with Merrill in Chicago, IL, holding a Series 66 designation and six years of industry experience. He has been associated with Bank of America and Merrill Lynch since 2016. Outside of his advisory role, he is the sole owner of a rental property in Tucson, AZ. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jeffrey Gelman is a financial advisor with Merrill in Chicago, IL, holding a Series 66 designation and 13 years of industry experience. His prior work includes roles at Charles Schwab and Charles Schwab Bank from 2015 to 2018. 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.

Kathleen Gould is a financial advisor with Merrill in Chicago, IL, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. She has been with Merrill since 2011. 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 individual, high-net-worth, and institutional clients.

Elena Stanley is a Financial Advisor with the Eidell Christian Group at Merrill Lynch Wealth Management. She has over 15 years of experience in the financial services industry and holds the Personal Investment Advisor (PIA) designation. Elena earned her Bachelor's Degree from DePaul University. Elena specializes in holistic wealth planning, including areas such as 401(k) rollovers, inheritance and wealth transfers, alternative investments, retirement planning, estate planning strategies, and focuses on supporting women and wealth. Her client focus covers college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, tax minimization, and retirement income. Elena employs a proven legacy wealth management planning process that emphasizes educating, planning, and investing to build lasting client relationships. She is involved in professional organizations such as ECHO and HER STORY, and participates in community initiatives with ECHO and HER IDEA. Outside of work, Elena enjoys gardening, golfing, music, painting, spending time with her family, swimming, watching movies, and practicing yoga.

Cheryl Washington is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career in financial services in 2004 after 14 years in Corporate America, holding global management positions in marketing, finance, and technology with several Fortune 100 companies, including Pillsbury, 3M, and BP. Cheryl joined Merrill Lynch in December 2005 and works with families, corporations, and institutional clients to provide investment solutions aligned with their investment policy objectives. Cheryl holds a Bachelor of Business Administration in Accounting and Marketing from the University of Wisconsin-Madison and an MBA in Marketing and International Business from Indiana University's Kelley School of Business, where she was a Consortium Fellow. She has also completed considerable coursework towards a Master's Degree in eCommerce from DePaul University. Her professional certifications include the CERTIFIED FINANCIAL PLANNER (CFP®), Chartered Retirement Planning Counselor (CRPC®), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She is a lifetime member of the National Black MBA Association and Delta Sigma Theta Sorority. Cheryl follows Merrill's tradition of community involvement and dedicates time to volunteering with local organizations.

Brooke Thompson is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2000, concurrently serving at Bank of America, N.A. since 2010. 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.

Patrick Sweeney is a financial advisor with Merrill in Chicago, IL. He holds a Series 66 designation and has 11 years of industry experience, having worked at Bank of America and Merrill since 2015. 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.

Candice Neal is a Financial Advisor at Merrill Lynch Wealth Management, specializing in wealth management strategies and customized financial planning. With 18 years of experience in the financial services industry, she assists clients nationwide in navigating important financial decisions, particularly as they prepare for retirement or experience life transitions. Candice began her career at MB Financial Bank, N.A., where she built a foundation in retirement planning and asset management. She holds the Accredited Asset Management Specialist (AAMS) and Chartered Retirement Planning Counselor (CRPC) designations, and graduated with a B.S. in Finance from Southern Illinois University, Carbondale. Her approach emphasizes education, transparency, and personalized guidance to help clients achieve long-term financial sustainability. Beyond her professional role, Candice is actively involved in her community as a mentor for the Women's Exchange in Chicago. She enjoys spending time outdoors engaging in activities such as hiking, cycling, and watching sunrises. A native of Chicago, she participates in various organizations including the Culture and Heritage Network, Delta Sigma Theta Sorority, Inc., LEAD for Women, and The Women's Exchange - Chicago Chapter.

Mc Guire Saffin is a Series 66-licensed financial advisor at Merrill with seven years of industry experience. His work history includes roles at Merrill since 2018 and Bank of America, N.A. since 2021. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily 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 and third-party teams.

Carolyn Pejsa serves as a Financial Advisor at Merrill Lynch Wealth Management. She holds the professional designation of Personal Investment Advisor (PIA). Carolyn earned her Bachelor's Degree from the University of Illinois System. Her role focuses on providing clients with investment guidance and financial planning services. Additional details about her experience, areas of expertise, and personal interests have not been provided.

Iain Mirrilees is a Private Wealth Advisor with Merrill Private Wealth Management and a member of The Bhatia Group. In his role, he focuses on maintaining and growing client relationships, conducting portfolio reviews and performance reporting, and assisting with investment manager due diligence and alternative investments. He serves ultra high net worth individuals, families, and institutions, providing tailored wealth strategies. Before joining The Bhatia Group, Iain worked as a Relationship Manager for high net worth traders at Merrill and for a mutual fund company specializing in liquid alternatives. He holds the Chartered Alternative Investment Analyst (CAIA) designation, the Certified Private Wealth Advisor (CPWA) credential, and the Personal Investment Advisor (PIA) designation. Iain earned his Bachelor’s degree from Wheaton College, where he studied Philosophy with a focus on Political Science and Economics. Outside of his professional work, he enjoys reading, skiing, tennis, traveling, and woodworking.