Benjamin Smith is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017, following a year at U.S. Bank. His prior experience also includes two years at Bank of America N.A. 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 developed by internal and third-party managers.

Scott Memmott is a Senior Financial Advisor at Merrill Lynch Wealth Management. He and his team oversee and coordinate the financial affairs of affluent individuals and families, providing a client-focused approach founded on trust and integrity. Their services include goals-based investment planning, asset and liability management, trust and estate planning, education and retirement planning, banking services through Bank of America, cash management, lending services for businesses, and managing employer-sponsored retirement plans. Scott collaborates closely with clients' attorneys and CPAs to address tax, trust, and estate planning issues, including wealth transfer strategies. Scott joined Merrill Lynch Wealth Management in 2011 after an extensive career in private equity and corporate finance. He follows a disciplined wealth management process, using technology and research to develop personalized plans focused on controlling controllable factors, unemotional decision making, and minimizing downside volatility. His client focus areas include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree from Brigham Young University, graduating in 1985, and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Scott speaks English and Spanish. Outside of his professional endeavors, he is a long-time private pilot and enjoys basketball, boating, reading, skiing, swimming, tennis, traveling, and spending time with his wife Lara and their six children.

Daniel Downard is a financial advisor with Merrill in Chico, California, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Bank of America, Scottrade, and Waddell & Reed. Outside of advising, he is a self-published author with a novel available on Amazon.com. 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 institutions.

Jacqueline Gotelli is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. She has been with Bank of America and Merrill since 2019. Outside of her advisory role, she is involved as an owner in a family-owned limited partnership focused on real estate transactions. 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, and institutional investors, utilizing strategic and tactical asset allocation approaches.

Joshua Dyer is a financial advisor with Merrill in Chico, CA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His career includes roles at Bank of America, J.P. Morgan Securities, and Merrill. He serves as a board member of the High Country Pines Homeowners Association in Heber, Arizona. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.