Erum Yasin is a financial advisor with Merrill in Dallas, TX, holding a Series 66 designation and six years of industry experience. She has been with Merrill and Bank of America N.A. since 2013. 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.

Mackenzie Gibson is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping individuals, families, and professionals develop personalized investment strategies. She focuses on areas such as education planning, managing new wealth, personal retirement planning, women and wealth, tax minimization, and retirement income. Mackenzie works to build meaningful client relationships and provides guidance aimed at simplifying complex financial decisions. Mackenzie holds a Bachelor's Degree from the University of North Texas and holds the designation of Personal Investment Advisor (PIA). She draws on her expertise to help clients create clear paths toward their financial goals by uncovering what matters most to them and their families. Outside of her professional work, Mackenzie enjoys biking, gardening, horseback riding, music, photography, reading, spending time with her family, and traveling.

Paul Miller is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Paul earned a Bachelor's Degree from Philadelphia University. His role involves providing financial advisory services within the wealth management sector.

Gregory Hill is a Financial Advisor at Merrill Lynch Wealth Management. He brings a background as an Air Force veteran and experience growing up in a military family to his approach in working with clients. Gregory focuses on developing personalized financial plans that align with his clients' long-term goals. He specializes in areas including education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Gregory holds a Bachelor of Business Administration in Economics from the University of North Texas and holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, Gregory is involved with Milestone Church and enjoys fishing, hiking, and soccer.

Frederik Constantinesco is a financial advisor with Merrill in Dallas, TX, holding Series 63 and Series 65 credentials and 43 years of industry experience. His career includes roles at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, and Bank of America. Outside of the financial industry, he has worked as a salesman at COMP USA Superstore. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm integrates with Bank of America affiliates and offers multiple investment program strategies focused on manager selection, tax efficiency, and capital-markets access.

Stephen Tosha is a Senior Financial Advisor with Merrill Lynch Wealth Management. He serves a diverse client base that includes individuals, couples, small business owners, corporate executives, families, non-profits, foundations, and members of the LGBTQ community. His expertise spans family wealth management strategies, retirement planning, philanthropic planning, portfolio management, and values-based investing. Stephen is also qualified as a Portfolio Manager and incorporates personalized strategies that may include individual securities, Merrill model portfolios, and third-party investment approaches. Stephen brings a comprehensive background in corporate finance, investments, and business development. Prior to joining Merrill Lynch in 2016, he held senior roles at Morgan Stanley and led investment governance for a Dallas-based non-profit organization. He began his career at Verizon, where he gained experience in finance, treasury, sales, and operations over a 30-year tenure, ultimately retiring as a senior executive. His client advisory process emphasizes deep understanding of client values, scenario planning, and customized portfolio construction aligned with global macroeconomic trends. Stephen holds a Bachelor's Degree from the University of Phoenix and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He is engaged with the Dallas Resource Center and supports the Dallas Resource Center LGBTQ Low Income Senior Housing Project. Outside of work, Stephen enjoys cooking, music, running, writing, yoga, and spending time with his family.

Morgan Borg is a Financial Advisor with Merrill Lynch Wealth Management. In this role, Morgan works closely with clients to understand their personal and family financial priorities, developing strategies designed to pursue their short-, mid-, and long-term goals. Morgan provides resources ranging from general investing and retirement planning to enabling access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Morgan's expertise covers a range of client focus areas including college education planning, family wealth management strategies, retirement income, philanthropic planning, and portfolio management services. Morgan holds professional designations such as Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Morgan earned a Bachelor's Degree from Texas Christian University. Outside of professional responsibilities, Morgan is involved with professional organizations such as the Delta Gamma Dallas Alumnae Chapter and the Junior League of Dallas. Morgan also participates in community activities with the National Breast Cancer Foundation and Watermark Community Church. Personal interests include cooking, golfing, hiking, pickleball, reading, running, skiing, spending time with family, traveling, and yoga.

Cassidy Free is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in developing personalized financial strategies that align with her clients' unique goals and values. Her approach centers on helping clients identify and prioritize objectives such as education planning, retirement income, executive compensation, tax minimization, and preserving capital to manage, grow, and maintain their wealth. Cassidy holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned her Bachelor's Degree from Southern Methodist University. Her expertise includes family wealth management strategies, individual and corporate investment strategy, portfolio management services, and planning for potential health care costs. Outside of her professional responsibilities, Cassidy enjoys cooking, hiking, pickleball, reading, running, skiing, spending time with her family, tennis, and traveling.

William Gilbert is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Dallas and Frisco. He works collaboratively with his team to provide clients with clarity, comfort, and confidence as they pursue their financial goals, focusing on strategies such as retirement income, education planning, and family wealth management. William holds a Bachelor's Degree and an MBA from Dallas Baptist University. He has attained several professional designations including Accredited Wealth Management Advisor (AWMA), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His team's combined industry experience totals ninety-eight years, allowing for a broad range of expertise across various client needs. Outside of his professional responsibilities, William is a member of F45 at KOTA Wellness and participates in the Watermark Community Church of Dallas. He enjoys engaging in activities with his family including skiing and attending sporting events in the Dallas/Fort Worth area.

Patricia Fuentes Lara is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has over 16 years of experience in the financial services industry, focusing on partnering with successful individuals, families, corporate executives, and business owners to define and pursue their financial goals. Patricia specializes in integrating investment management, strategic planning, and risk considerations to develop comprehensive wealth management strategies. Her areas of expertise include equity compensation and retirement plan strategies, financial planning for corporate professionals and business owners, and providing guidance on college education planning, employee benefits, legacy planning, retirement income, and more. Patricia holds the Chartered Financial Consultant® (ChFC®) and Certified Plan Fiduciary Advisor® (CPFA®) designations, as well as credentials as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). She earned a B.S. degree in Operations and Information Systems Management from The Pennsylvania State University. Patricia is proficient in English and Spanish and is active in professional and community organizations including ALPFA, Hispanic Women Network of Texas (HWNT - Dallas), Women Business Council – Southwest (WBC-S), and the YMCA of Metropolitan Dallas. She is committed to the financial literacy of the Hispanic Latino community and participates in educational seminars. Outside of work, Patricia enjoys cooking, traveling, and spending time with her family.

Zachary Burton is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2017, he has worked with individuals, families, and business owners to develop personalized financial strategies. He leverages Merrill's investment capabilities and the banking resources of Bank of America to provide services including wealth management, retirement planning, investment strategies, portfolio management, and financial guidance. Zach's expertise covers areas such as education planning, executive and equity compensation services, family wealth management, retirement income, and tax minimization. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, the Personal Investment Advisor (PIA) certification, as well as FINRA Series 7 and Series 66 registrations and a Life, Accident, and Health Insurance license. He earned his Bachelor's Degree from the University of Oklahoma. He lives in Prosper, Texas with his wife and two children. Outside of work, Zach is involved in community organizations including the Dallas Off Road Bicycle Association and the OU Club of Dallas. He also volunteers with initiatives such as Habitat For Humanity and the Special Olympics. His personal interests include golf, travel, and supporting the Oklahoma Sooners.

Jose Lopez Jolly is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing clients with personalized guidance and tailored financial strategies to help them confidently pursue their goals. His expertise includes college education planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, small business strategies, investment strategy for individuals and corporations, tax minimization, and retirement income planning. Jose holds a Bachelor of Science in Finance from The University of Texas at Dallas and professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is fluent in both Spanish and English, enabling him to serve a diverse clientele effectively. Outside of his professional role, Jose enjoys baseball, football, music, reading, soccer, spending time with his family, and traveling. His approach centers on understanding clients' goals, values, and priorities to provide trusted advice and help navigate life's opportunities and challenges.

Kenneth Masoner is a financial advisor at Merrill based in Dallas, TX, holding a Series 66 designation with six years of industry experience. He previously worked at Merrill Lynch, Fenner, Pierce and Smith Inc and Bank of America, N.A. No additional outside activities are noted. 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.

Robert Black is a financial advisor with Merrill in Dallas, TX, holding a Series 66 designation and 26 years of industry experience. He has been with Merrill since 2016 and has concurrently worked with Bank of America, N.A. since 2017. Outside of his advisory role, he is a co-owner of Gardner Torrey LLC, an investment business focused on buying, remodeling, and selling homes. 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 diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Cherrie Moussaid is a financial advisor with Merrill in Dallas, TX, holding a Series 66 designation and 17 years of industry experience. Her prior experience includes roles at UBS Financial Services and The Talbots Stores. She serves as a co-trustee for a family living trust. 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 various client types.

Aalexys Garcia is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, she works with clients to understand their current financial situations and introduces them to solutions available through Merrill and Bank of America. Her objective is to provide clients with the knowledge and tools necessary to take control of their financial lives and select platforms that best meet their needs. Garcia holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Texas System. Her professional philosophy centers on helping clients identify what matters most to them and their families to create strategies aimed at pursuing their financial goals.

Alejandra Virik is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She previously worked for seven years at Goldman Sachs Personal Financial Management. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Dominick Santangelo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has devoted his career to assisting clients in achieving their financial objectives, including retirement planning, wealth preservation, and tax management strategies. Dominick's professional experience spans advising and leadership roles at Morgan Stanley, Wells Fargo, and Merrill Lynch, providing him with a strong foundation in the banking and financial services industry. His expertise encompasses a broad range of client focus areas such as college education planning, executive compensation, family wealth management strategies, liquidity management, portfolio management services, and retirement income. Dominick utilizes Merrill's extensive planning tools and product offerings to develop tailored financial plans that address clients' unique goals and priorities. Dominick holds an Accredited Certificate Program from Queensborough Community College and the Personal Investment Advisor (PIA) designation. Originally from Brooklyn, New York, he has lived and conducted business both within the United States and internationally. Outside of his professional work, Dominick enjoys activities including basketball, bowling, cooking, football, golfing, music, running, swimming, tennis, and spending time with his wife Traci and their three children, Dominique, Michael, and Claire.

Ronald Thomas is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since November 1979. With over four decades of experience, he focuses on family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He and his team utilize the extensive resources and expertise available through Merrill Lynch and Bank of America to develop customized financial strategies tailored to clients' goals. Ron holds a Bachelor's Degree from the University of Missouri and is a Personal Investment Advisor (PIA). He has dedicated his career to helping clients plan for their financial futures and the well-being of their loved ones. In addition to his professional work, Ron volunteers as an usher at Christ Church Plano. He enjoys baseball, basketball, football, music, reading, running, and traveling. Ron and his wife, Susan, live in Plano, Texas, and have two adult daughters.

Courtney Hardin is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in serving both institutional clients and high-net-worth individuals, focusing on areas such as 401(k) and defined contribution plans, fiduciary governance, retirement program design, and wealth transfer strategies. Courtney partners closely with CFOs, CHROs, and fiduciary committees to optimize retirement programs and improve participant outcomes, emphasizing disciplined, client-focused approaches grounded in listening and strategic alignment. Courtney holds a Bachelor's Degree from the University of Arkansas and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is also a member of the University of Arkansas Alumni organization. Outside of her professional role, Courtney is involved in community service such as feeding the housing insecure in Dallas, TX. Her personal interests include gardening, singing, and advocacy, particularly related to the LGBTQ+ community.

Christopher Miller is a Wealth Management Advisor currently serving as a Managing Director with the Tosha Miller Group, a Dallas-based advisory team. He specializes in wealth management for affluent families, providing guidance in investment management, wealth planning, retirement strategies, business succession, philanthropy, and legacy planning. His role involves a personalized, relationship-driven approach to helping clients preserve, grow, and transition wealth across generations. With over 30 years of experience, Christopher has held significant positions including Senior Market Executive and Managing Director at Merrill, overseeing substantial client assets and managing large teams across multiple U.S. markets. He began his career at Morgan Stanley in New York, progressing through roles such as Financial Advisor, Vice President, and Regional and Market Sales Manager. His expertise encompasses a wide range of client focus areas including college education planning, executive compensation, family wealth management strategies, liquidity management, retirement income, and services tailored to women and new wealth. Christopher holds an undergraduate degree from the University at Buffalo School of Management and earned an MBA magna cum laude from the University of Notre Dame's Mendoza College of Business. He holds the Certified Private Wealth Advisor® (CPWA®) designation among other professional credentials. Beyond his professional work, he is involved in the community as a Board Member of the University of Notre Dame Club of Dallas and serves as an Executive-in-Residence at the University of Notre Dame. His personal interests include biking, cooking, hiking, music, and spending time with his family.

Mark Richelsen is a financial advisor at Merrill with Series 63 and Series 66 licenses and two years of industry experience. He previously worked at Fidelity Investments and has held roles across various companies including Rover, Plus Relocation Services, and Primerica. 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 institutions.

Troy Hooker is a financial advisor at Merrill with seven years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Merrill since 2020. Prior to that, he was employed at J.P. Morgan Securities and has held positions in the financial and security sectors. Merrill 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.

Jenny Jeter is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with the firm since 1997 and works with ultra-affluent business owners, senior executives, defined contribution and defined benefit plans, non-profits, foundations, and endowments. Jenny focuses on simplifying financial processes and connecting clients to Merrill's global resources, collaborating with specialists and other advisors to address the entirety of each client's financial life. Her expertise includes corporate benefits, divorce transition planning, executive compensation, institutional and corporate benefit services, investment consulting for defined contribution plans, philanthropic planning, and services for sports and entertainment clients. Jenny holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), Certified 401(k) Professional (C(k)P®), Chartered Retirement Plans Specialist™ (CRPS™), and Certified Plan Fiduciary Advisor® (CPFA®). Jenny earned a bachelor's degree in finance from Texas Christian University. She is involved in several community organizations including the Junior League of Dallas, the Kappa Kappa Gamma alumnae association, Leadership Dallas, Leadership University Park, and the TCU Dallas Alumni Network. She also serves on the Park City Club Advisory Board to promote civic engagement.

John Ledford is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he serves as the "quarterback" of his clients' advisory teams, helping to develop, implement, and refine customized wealth management plans for high-net-worth individuals, entrepreneurs, executives, and families throughout the United States. His expertise includes corporate executive services, education planning, family wealth management strategies, liquidity management, retirement income, and tax minimization. John has earned national recognition for his professional work, including Forbes' "Best-In-State Wealth Advisors" from 2021 through 2026. He applies his interest in behavioral finance to help clients avoid common investing biases and mistakes. Throughout his career, he has advised clients on various complex financial needs, such as managing concentrated or restricted stock, business sale and liquidity events, retirement income strategy, long-term wealth transfer and education planning. He holds a Bachelor of Arts degree from the University of Oklahoma, a Master of Arts in Finance from the University of Texas, and has completed Executive Education at Yale University. John has earned the Certified Private Wealth Advisor (CPWA) certification, among other professional designations. Outside of his professional work, he is a member of the Jesuit College Preparatory School of Dallas Alumni Association. John and his wife, Kelley, have two sons and a daughter.

Robert Epstein is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in business financing, private sales and divestitures, custom lending, estate planning strategies, and business retirement plans. His client focus areas include employee benefits planning, family wealth management strategies, retirement income, and tax minimization, among others. Robert holds a Master's Degree from the University of Texas System and a Bachelor's Degree from the University of Richmond. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His background includes military and law enforcement experience, and he remains active with organizations such as the Air Force Association, Jewish War Veterans, Military Order of World Wars, and Rotary Club. Outside of his professional work, Robert is involved in community activities through military veterans organizations, several synagogues and temples, and Rotary Club. He is married with five children and maintains personal interests in biking, boxing, golfing, music, painting, reading, swimming, tennis, writing, and spending time with his family.

Julie Lozano is a Series 66 licensed financial advisor with Merrill in Dallas, TX, and has 12 years of industry experience. She has been with Merrill since 2008. 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 plans, corporations, and charitable organizations.

Mastura Zahid is a financial advisor with Merrill in Dallas, TX, holding a Series 66 designation and 23 years of industry experience. She has been with Merrill since 2016. 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.

Robert D. Boyd Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 2017 after earning his bachelor's degree from Southern Methodist University. In his role, Robert works with a team of investment professionals to provide wealth management services to individuals and families, combining their expertise with Merrill's global resources. Robert specializes in areas including college education planning, executive compensation, family wealth management strategies, liquidity management, retirement planning, socially responsible investing, tax minimization, and portfolio management. He holds the Personal Investment Advisor (PIA) designation and is committed to helping clients plan, execute, and achieve their financial goals through tailored investment strategies and access to comprehensive financial tools and research. Beyond his professional responsibilities, Robert volunteers at Southern Methodist University and has been involved with the SMU Young Alumni Board and the World Affairs Council of Dallas-Fort Worth. He enjoys baseball, football, golfing, running, skiing, spending time with his family, traveling, and watching movies.

Ruchika Gupta is a Wealth Management Advisor with Merrill Lynch Wealth Management. She leverages over 15 years of senior corporate executive experience in banking and financial services across multiple global geographies to help individuals and businesses develop comprehensive roadmaps that accomplish their financial goals and simplify financial complexities. Ruchika’s expertise includes college education planning, executive compensation, legacy planning, managing new wealth, personal retirement planning, tax minimization, retirement income, and serving women and wealth clients. She holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation as well as the Personal Investment Advisor (PIA) credential. Ruchika earned both her Bachelor’s and Master’s degrees from the University of Allahabad and is proficient in English, Hindi, and German. Outside of her professional role, Ruchika enjoys boating, cooking, gardening, hiking, spending time with her family, and practicing yoga. She has also served as a board member for the Economic Development Council at the Metro Denver Chamber.

Rony Nehring Interiano is an International Wealth Advisor affiliated with Merrill Lynch Wealth Management. He serves ultra-high-net-worth individuals, families, businesses, and philanthropic organizations, delivering integrated wealth management services. His areas of focus include asset allocation modeling, customized lending through Bank of America, alternative investments, and personalized multi-generational wealth planning aimed at growing, preserving, and transferring wealth effectively. Rony began his career as an Investment Analyst at Morgan Stanley Private Wealth Management before joining Merrill Lynch in 2016. He holds a bachelor's degree in finance and entrepreneurship from Babson College, where he graduated cum laude. Rony holds the CERTIFIED FINANCIAL PLANNER® professional designation awarded by the Certified Financial Planner Board of Standards Inc. Originally from Barcelona, Spain, he is fluent in English, Spanish, and French, and conversational in Italian and Hebrew. In addition to his professional commitments, Rony is involved in community philanthropy, including participation on the Education Committee for the Greater Miami Jewish Federation International division and engagement with the Rickshaw Dispatch Project in Guwahati, India. He currently resides in Aventura, Florida with his wife and two children.

Todd Dahlin is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management in Dallas, Texas. He has more than 28 years of experience and leads a seven-person team focused on helping clients achieve their financial goals. His areas of expertise include retirement income planning, executive compensation plans, business needs, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, and tax minimization. Todd serves a diverse client base including corporate executives, business owners, physicians, and families with generational wealth across the country, providing personalized wealth management strategies tailored to their priorities and values. Todd is committed to his clients' interests and employs a detailed process of discovery to help them define their priorities and goals. He holds several professional designations including Chartered Retirement Planning Counselor™ (CRPC™), Certified Private Wealth Advisor® (CPWA®), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his Bachelor's Degree from Dallas Baptist University. His dedication and expertise have been recognized through multiple honors, including being named to Barron's "Top 1,500 Financial Advisors" for 2024-2026 and Forbes' "Best-in-State Wealth Advisors" and "Best-in-State Wealth Management Teams" from 2022 to 2026. Todd resides in Keller, Texas with his wife Carly and their two children who participate in sports. Outside of work, he enjoys working out, playing pickleball, and has completed several marathons and triathlons. He is also involved in his community, volunteering with local organizations and supporting his children’s athletic activities.

Lauren Rivera is a financial advisor at Merrill with Series 63 and Series 65 designations and eight years of industry experience. She has worked at Merrill since 2018 and also has experience at Bank of America, Raymond James Financial Services, and AXA Advisors. Rivera's background includes roles outside the financial sector, such as positions at Belk and Stephen F. Austin State University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Lyons is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with a select group of families, providing financial guidance tailored to each client’s unique circumstances. Christopher focuses on creating custom strategies that align with clients' priorities and the changing market environment. He leverages investment insights from Merrill and lending solutions from Bank of America to support comprehensive wealth management plans. Christopher's expertise includes college education planning, corporate executive services, retirement income, family wealth management strategies, equity compensation, and divorce transition planning, among other specialized areas. He holds multiple professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from the Purdue University System. In addition to his professional work, Christopher participates actively in his community through involvement with the Dallas Boys and Girls Club. Outside of work, he enjoys adventure sports, boating, and skiing. His approach emphasizes one-on-one collaboration to develop personalized financial strategies aimed at helping clients pursue their long-term goals.

John Reed is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2003 after working at a global securities firm, bringing over two decades of experience in wealth management. John holds the Series 7, 63, and 65 FINRA registrations and is a CERTIFIED FINANCIAL PLANNER® professional. He earned a Bachelor of Business Administration in Finance and Economics from Southern Methodist University in 1998. Prior to his financial career, John served four years as an Infantryman in the United States Marine Corps. John specializes in creating customized wealth management strategies for high net worth individuals, business owners, executives, and families. His areas of focus include executive stock concentration, retirement and education planning, banking and liability management for individuals and small business owners, and family generational planning incorporating insurance and trust management services. He emphasizes disciplined, goal-oriented approaches derived from his military background to guide clients towards their financial objectives. Outside of his professional work, John enjoys outdoor and fitness activities such as biking, camping, hiking, hunting, running, swimming, and traveling. He is actively involved in his community and serves as an ambassador for Carry the Load, a nonprofit organization supporting military personnel and first responders.

Ashley Grissom is a financial advisor at Merrill with 22 years of industry experience. She holds the Series 66 designation and previously worked for RBC Capital Markets from 2013 to 2023 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Leonard is a financial advisor at Merrill with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1986, also working at Bank of America, N.A. since 2009. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Hayden Bowring is a Wealth Management Advisor and Vice President at Merrill Lynch Wealth Management, joining the firm in 2015. He holds the CERTIFIED FINANCIAL PLANNER® certification and is a qualified Senior Portfolio Advisor. In his role, he manages discretionary custom investment strategies for clients, selecting from Merrill Lynch model portfolios and third-party investment options to help clients pursue their financial objectives. Hayden earned a Bachelor of Business Administration in Financial Management from the University of St. Thomas (MN), graduating Cum Laude in 2017. Prior to joining Merrill Lynch as a financial advisor in 2017, he began his career at the firm as an intern in 2015. He is also a Personal Investment Advisor (PIA) and a graduate of Bishop Lynch High School. Residing in Dallas, Texas with his wife Jennifer, Hayden integrates his professional expertise with a planning process that emphasizes understanding clients' goals and needs, including asset allocation, education funding, retirement income planning, tax minimization, and estate planning services. His investment approach aims to grow wealth steadily over the long term by employing disciplined strategies and industry research from Bank of America Global Research and Merrill Chief Investment Office.

John Bakewell IV is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads client initiatives across areas including investment management, lending, insurance, retirement, and estate planning services. John works with a select group of clients to design tailored wealth management strategies that align with their unique circumstances. John began his career with Merrill Lynch Wealth Management in 1992. He holds a Bachelor's Degree in Economics & Finance from the University of Texas at Dallas and holds the Personal Investment Advisor (PIA) designation. Lending services are provided through Bank of America, N.A. Outside of his work, John supports organizations such as Carry The Load, Big Brothers Big Sisters, and Texas Family Initiative. He enjoys adventure sports, golfing, hunting, skiing, traveling, and spending time with his family.

Brent Garcia is a financial advisor at Merrill in Dallas, TX, with seven years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2018. Prior to this, he spent seven years with United Protective Services. 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, institutions, and charitable organizations.

Robert Goode is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 2002 and specializes in delivering comprehensive wealth management strategies tailored to individual client needs. His approach emphasizes understanding clients' life priorities to develop personalized financial plans that align with their goals and aspirations. Robert's expertise encompasses a broad range of client focus areas including college education planning, divorce transition planning, family wealth management strategies, and services for endowments, foundations, and non-profits. He also has experience with defined benefit and defined contribution plans, employee financial health, LGBT wealth planning, liquidity management, and personal retirement planning. He holds a Bachelor's degree in Animal Science and a Master's in Business Administration, both from Texas A&M University System. Robert has earned professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In addition to his financial advisory role, Robert is involved with organizations including the International Brangus Breeders Association and the International Red Brangus Breeders Association, and supports community foundations related to these groups. Outside of work, he enjoys biking, hiking, horseback riding, spending time with his family, and traveling.

Mohamed Yahiaoui is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, socially responsible and values-based investing, and serves clients in the sports and entertainment sectors as well as retirement income planning. Mohamed holds a Bachelor's Degree from Georgia Tech and possesses professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is committed to building and maintaining strong client relationships and dedicates his expertise to assisting clients with critical financial decisions. Fluent in English and French, Mohamed is involved in community organizations such as Brookdale Hospice and The Stewpot Dallas, which focuses on feeding the homeless. He also has interests in chess, fishing, and football, and has been associated with the Georgia Tech Football Team.

Eric Herman is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 2019 and focuses on relationship management within his team. Eric provides personalized service, objective advice, and disciplined investment management to enhance the lives of his clients and their families. He earned a Bachelor's degree in economics from Arizona State University. Eric holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is a member of the Jesuit Dallas Alumni Association, the Arizona State University Alumni Dallas/Fort Worth Chapter, and the Young Professionals Dallas Regional Chamber. Eric resides in Dallas and is dedicated to building long-term client relationships through open and frequent communication. His approach includes explaining complex topics in easy-to-understand language and focusing on clients' values and life goals.

Anthony Whetstone is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill since 1979. 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.

Angela Jeon is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2018. Prior to joining Merrill, she was employed at Deloitte and previously worked in the hospitality sector. 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 institutional investors.

Brian Kraft is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He is a founding member of The Kraft Group within the firm and has been recognized on the Forbes "Best in State Wealth Advisors" list for 2023-2024. Brian leads a goals and objectives-based wealth management practice, focusing on helping clients pursue their significant financial goals through personalized strategies. With over two decades of experience, Brian specializes in portfolio management, asset allocation, retirement and estate planning strategies, college education planning, family wealth management, legacy planning, and tax minimization. He provides his clients access to Merrill's investment insights and Bank of America's banking and lending solutions. His approach emphasizes developing flexible strategies that adapt to changing market conditions. Brian holds a Bachelor's Degree in Finance from the University of Oklahoma and holds certifications as a CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He actively participates in community volunteering and enjoys a range of personal interests including football, gardening, photography, pickleball, scuba diving, skiing, softball, tennis, and traveling, spending quality time with his family.

Michael Shearer is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial services career in 1988 after graduating from the University of Arkansas with a Bachelor of Science in Finance and Banking. Since joining the firm, he has focused on providing wealth planning and guidance to clients. Michael brings expertise in advising affluent individuals, business owners, and executives. His areas of specialization include equity compensation, concentrated and restricted stock strategies, deferred compensation plans, intergenerational wealth transfer strategies, and exit strategies for business owners. He works with clients in various focus areas such as college education planning, corporate executive services, divorce transition planning, legacy planning, and personal retirement planning. Michael is a CERTIFIED FINANCIAL PLANNER (CFP) and holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, Michael's personal interests include reading, traveling, and woodworking.