Ronald Dragotta is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he specializes in retirement benefit consulting and personalized wealth management strategies. With over 27 years of industry experience, he adopts a goals-based approach to help clients pursue their long-term financial objectives by utilizing professional asset managers and investment platforms. Ronald focuses on Merrill's 401(k) Retirement Plan platform and provides services to local communities and organizations. He works closely with a team within his office and leverages the resources of Bank of America and Merrill Lynch Wealth Management to deliver active and dedicated service. His areas of expertise include corporate benefits, divorce transition planning, employee benefits planning, employee financial health, personal retirement planning, and individual and corporate investment strategy. He holds a Bachelor's Degree from Hofstra University and professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of work, Ronald spends time with his wife Linda, an elementary school teacher, and their two daughters, Catherine and Caroline. They enjoy outdoor activities such as running, hiking, and kayaking on the Long Island Sound. Ronald is also involved in volunteering with community organizations.

John Horner is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in areas including Corporate Executive Services, Executive Compensation, Family Wealth Management Strategies, LGBT Wealth Planning, Managing New Wealth, Personal Retirement Planning, Socially Responsible, Values Based, and ESG Investing, Special Needs Planning Strategies, Sports & Entertainment, and Retirement Income. John has extensive experience in executive management, sales management, sales, marketing, and relationship management within the securities, investment management, and banking industries. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor of Science in Foreign Service in International Economics from Georgetown University School of Foreign Service. Outside of his professional work, John is involved with community organizations such as the New Canaan Fire Department. He is also affiliated with the New Canaan Fire Company No. 1, Trout Unlimited, and the National Sporting Clays Association. John is fluent in English and Spanish.

Suzanne Pfau is a financial advisor at Merrill with 31 years of industry experience. She has been with Merrill since 1994 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she serves as an administrator for a fiduciary entity based in Naples, Florida. Merrill, along 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 and third-party teams.

Erica Westfall is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2000. 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 both model-based and discretionary investment strategies.

Tanuja Katre is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing nine years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A., and has been with Merrill since 2021. 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 institutional investors.

Stephen Pavia is a financial advisor with Merrill, holding Series 63 and Series 65 licenses, and has 29 years of industry experience. He previously worked at JP Morgan Securities LLC, JP Morgan Chase Bank, and Wells Fargo Advisors. 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.

Timothy Indiveri is a Financial Advisor at Merrill Lynch Wealth Management. He holds the Professional Investment Advisor (PIA) designation and provides financial advisory services within the firm. Timothy earned a Bachelor's Degree from Roger Williams University. His professional role focuses on advising clients in wealth management and investment strategies. Outside of his professional work, Timothy has personal interests that include cooking, football, golfing, ice hockey, music, and tennis.

Taylor Marron is a Financial Advisor with Merrill Lynch Wealth Management, currently serving as part of the Clarke Group. She began her career in corporate bond sales at Morgan Stanley in 2001 and has held roles at Lehman Brothers and Barclays before taking time to raise her family. In 2022, she returned to wealth management, focusing on helping individuals gain clarity and confidence in their financial futures. Taylor's expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, small business strategies, women and wealth, tax minimization, and retirement income. Her background in institutional fixed income provides a strong foundation in risk and market understanding. She holds a Personal Investment Advisor (PIA) designation and a Bachelor's Degree from the University of Vermont, as well as having attended Green Mountain Valley School for high school and post-graduate studies. Taylor is fluent in French, German, and English. Beyond her professional work, Taylor is involved in her community through her participation on the Darien Board of Finance and contributions to organizations such as American Corporate Partners, Catch-A-Lift, Connecticut Republicans, Darien Junior Field Hockey, and the Town of Darien Representative Town Meeting. She lives in Darien, Connecticut, with her husband, and her personal interests include gardening, golfing, hiking, interior decorating, skiing, spending time with family, and traveling.

Michael Sweeney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings over two decades of experience helping corporate professionals, lawyers, doctors, and other individuals simplify their wealth management through tailored strategies. Michael works closely with clients to develop personalized financial plans that address liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. He also assists small business owners with managing 401(k) plans and optimizing employee benefits. Michael holds a Master's Degree from Fordham University and a Bachelor's Degree from Syracuse University. He is a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). He integrates the resources of Merrill Lynch and banking services from Bank of America to provide a comprehensive approach to wealth management. Michael emphasizes a long-term, disciplined financial strategy to help clients pursue their unique goals through changing market conditions. Outside of his professional role, Michael volunteers within the communities he serves. His personal interests include billiards, golfing, hiking, and reading.

Francois Morin is a Wealth Management Advisor with extensive experience in financial services, including roles on both institutional capital markets and wealth management sides. He has more than twenty years of experience working on Wall Street, encompassing positions such as portfolio manager, trader, and head of trading at various firms. His focus is on assisting families, family businesses, and endowments by bringing clarity and structure to their finances, covering areas like assets, liabilities, business successes, estates, and generational wealth transfer. He holds a Bachelor of Science degree in Economics from The Pennsylvania State University and carries professional designations including Certified Financial Planner (CFP) and Personal Investment Advisor (PIA). His expertise includes executive compensation, family wealth management strategies, services for endowments and non-profits, legacy planning, philanthropic planning, portfolio management, socially responsible investing, and tax minimization. Outside of his professional career, Francois is involved in community activities such as volunteering and coaching for the Norwalk and Darien youth lacrosse programs. He resides in Rowayton, Connecticut with his wife Jessica and their three children. His personal interests include fishing, gardening, hiking, music, skiing, soccer, and tennis.

Jake Sendley is a Financial Advisor at Merrill, where he helps clients develop growth plans tailored to their short-, medium-, and long-term goals. He works with individuals, families, and businesses to design investment strategies centered on portfolio construction, risk management, and planning for education, retirement, tax, and estate needs. Jake emphasizes working directly with clients to build trusting, long-term relationships. Before joining Merrill in 2021 as a Financial Solutions Advisor, Jake gained experience at a Registered Investment Advisor (RIA) firm in West Hartford during his studies at the University of Connecticut. After earning his bachelor's degree in Finance from the University of Connecticut, he began his career on a wealth management team at Wells Fargo Advisors. He holds Series 7 and Series 66 registrations and is a Personal Investment Advisor (PIA). Originally from Smithfield, Rhode Island, Jake has lived in Stamford, Connecticut since 2018. Outside of his professional work, he participates in several recreational sports teams in Stamford, including softball, golf, beach and indoor volleyball, and kickball. He also enjoys traveling, attending live events, and spending time with his siblings and family.

Michael Emhardt is a Financial Advisor with Merrill Lynch Wealth Management who specializes in delivering personalized wealth management strategies to high-net-worth families. He focuses on key areas including education planning, legacy planning, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. With over 15 years of experience, Michael works to understand his clients’ priorities and develop disciplined, customized financial plans. Michael holds a Bachelor's Degree from the University of Delaware and maintains the CERTIFIED FINANCIAL PLANNER® (CFP) certification, as well as the Personal Investment Advisor (PIA) designation. His mission centers on building long-lasting professional relationships founded on integrity, trust, and personalized service, offering comprehensive advisory solutions tailored to help clients achieve their life goals. Outside of his professional work, Michael enjoys baseball, basketball, football, golfing, spending time with his family, and traveling.

Christopher Morley is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the designations of Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA), reflecting his professional qualifications in wealth management and investment advisory services. Mr. Morley earned his Bachelor's Degree from Kenyon College. His role focuses on providing personalized financial guidance and wealth management strategies to clients.

Graham Murray is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 20 years of experience as a financial advisor. Since joining Merrill Lynch in 2007, he has focused primarily on working with employers and plan participants to develop and manage successful retirement plans. In 2015, he was designated a Retirement Benefits Consultant, and he actively assists over 100 corporate clients with implementing and overseeing their retirement plans. He holds several professional designations including Certified Plan Fiduciary Advisor™ (CPFA™) earned in 2018 from the National Association of Plan Advisors and Certified 401(k) Professional (C(k)P®) through the Trusted Retirement Advisor University at The Anderson School of Business at UCLA. Graham engages directly with clients to understand their financial concerns and goals, developing tailored recommendations with the support of a network of specialists within Merrill Lynch Wealth Management and Bank of America, N.A. Graham earned a Bachelor's Degree from Manhattanville College and also attended Hobart & William Smith Colleges. He resides in Stamford, CT with his wife Susie, Vice President at Blythedale Children’s Hospital, and their two children. They spend time during the summer and fall at their home on Martha's Vineyard.

G O'Neil IV is a Wealth Management Advisor based in Connecticut, affiliated with Merrill Lynch Wealth Management. He has over 36 years of industry experience in providing investment guidance to affluent individuals and successful corporations. G O'Neil IV specializes in areas including college education planning, family wealth management strategies, legacy planning, personal retirement planning, tax minimization, and retirement income. He holds multiple professional designations such as Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Saint Lawrence University. Outside of his professional work, G O'Neil IV's personal interests include biking, boating, golfing, hiking, ice hockey, running, and skiing.

Edward Naylor is a Wealth Management Advisor at Merrill Lynch Wealth Management, with an office located in Darien, Connecticut. He focuses on integrating all aspects of wealth management planning, placing particular emphasis on investment advice. Ed has developed a process supported by extensive technical skills and practical experience to address the financial and multi-generational issues faced by affluent families. With over 20 years of experience in the investment industry, Ed began his career in 1994 at Douglas C. Lane & Associates in New York, where he performed research, trading, and operations. He later served as an Assistant Portfolio Manager at Hutchinson Capital Management in San Francisco, specializing in trading equities and bonds and structuring tailored municipal bond portfolios. Since joining Merrill Lynch in 2003, Ed has worked as a First Vice President, Portfolio Manager, and Wealth Management Advisor. He is experienced in utilizing both third-party active asset managers and passive strategies to construct and manage portfolios aligned with client risk profiles and time horizons. Additionally, he has researched and implemented alternative asset class strategies, including hedge funds, private equity, and managed futures. Ed holds an M.B.A. in Finance from Vanderbilt University and a B.A. in English from Hobart College. He also has professional designation as a Personal Investment Advisor (PIA). Ed resides in Rowayton, Connecticut, with his family.

Sarah Kennedy is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been part of Merrill Lynch since 2012, progressing from a Registered Client Associate to her current senior role. Sarah's work focuses on providing personalized wealth management strategies, coordinating closely with client families to support long-term wealth planning, client review enhancements, and acting as a liaison among clients, team members, and specialists. Sarah began her financial services career in 2011 at a boutique investment advisory firm in Norwalk, CT. She holds a Bachelor's of Science degree in Finance and Marketing from the Charles F. Dolan School of Business at Fairfield University and is a Personal Investment Advisor (PIA). Her areas of focus include family wealth management strategies, legacy planning, liquidity management, retirement planning, philanthropic planning, portfolio management, and tax minimization. Outside of her professional work, Sarah serves on the Board of Directors for YWCA Darien/Norwalk, reflecting her community involvement. She lives in Darien with her husband Mike and their dog Max. Her personal interests include biking, cooking, gardening, interior decorating, traveling, and spending time with family and friends.

Richard Kelley is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their individual goals and changing market conditions. His approach integrates investment insights from Merrill and banking and lending solutions from Bank of America, aiming to help clients pursue a broad range of objectives. His client focus areas include college education planning, corporate executive services, executive and equity compensation, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, tax minimization, and retirement income. Richard holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Kenyon College. Richard is also involved in community volunteering, reflecting the Merrill tradition of service. Outside of work, he enjoys biking, golfing, and skiing.

Michael Mancuso is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2021, previously associated with Bank of America, N.A. since 2026. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution and custody services. The firm uses multiple investment strategy options and emphasizes integration with Bank of America affiliates to support a broad range of trading, lending, and capital-markets activities.

Brian Ceglarski is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Darien, Connecticut. He works with a select group of families and individuals, assisting them in growing, preserving, and transferring their wealth across multiple generations. Brian provides access to the investment insights of Merrill Lynch Wealth Management and the banking services of Bank of America, helping clients address various aspects of their financial lives, including education funding, tax minimization, retirement planning, and lending strategies. Brian began his career in the financial services industry in 2007 and joined Merrill Lynch Wealth Management in October 2015. He is a Personal Investment Advisor and holds Series 7, 55, 63, and 65 FINRA registrations. Brian is a 2006 graduate of Fairfield University. He works alongside his team, originally started by his father Paul, who has been with Merrill since 1982. In addition to his professional work, Brian is involved in several community organizations. He serves on the Stamford Hospital Foundation Board and participates actively in Hackers for Hope, which raises awareness and funds for cancer research. Previously, he participated in the Wall Street Decathlon benefiting Memorial Sloan Kettering Cancer Center. Brian resides in Darien with his wife, Ali, and their three sons, Gus, Charlie, and Hudson. In his spare time, he enjoys playing hockey and golf.

David Ornstein is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1991. Based in the Darien office since its opening in 2000, David works with high-net-worth families, business owners, and corporate executives to develop strategies for managing their personal and business finances. His expertise includes technical investment management strategies such as hedging and diversifying concentrated single stock positions. Additionally, his team addresses sophisticated wealth transfer strategies and philanthropic planning, leveraging comprehensive resources across Merrill Lynch Wealth Management. David holds a Bachelor's degree from Eckerd College and a Personal Investment Advisor (PIA) designation. He resides in Greenwich, where he served over 14 years on the Representative Town Meeting. A lifelong sailor, David is a former board member of the Indian Harbor Yacht Club and is involved with US Sailing. His practice emphasizes understanding clients' life priorities to create personalized plans tailored to their goals and aspirations.

James Clarke is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads The Clarke Group, providing customized, goals-based strategies tailored to the intricate needs of business owners, senior corporate executives, members of the LGBTQ community, and multi-generational families. James utilizes the resources within Merrill Lynch Wealth Management to deliver services including financial planning, portfolio management, life insurance, trust and estate planning, as well as access to banking and lending solutions through Bank of America. He works closely with clients' legal and tax advisors to align advice with tax minimization and estate planning strategies. James began his financial services career in 1994 as a client service associate at a premier investment bank and transitioned through roles including investment representative, vice president, and senior vice president. In 2008, he joined a global banking institution as a Director before joining Merrill Lynch Wealth Management in 2014. Throughout his career, he has advised high net worth individuals and families on retirement planning, insurance, banking solutions, and trust and estate matters. He holds the Certified Private Wealth Advisor® professional designation and Personal Investment Advisor credential. James earned a Bachelor's degree from Boston College. He and his wife, Susan, reside in Darien, Connecticut with their four daughters. Outside of his professional work, James is involved in the community as a member of the Bank of America New York Metro LGBTQ+ Business Council, a volunteer at New Covenant Center in Stamford, CT, and served on the Board of the Darien YMCA from 2017 to 2023. His personal interests include cooking, paddle tennis, fishing, skiing, boating, running, and spending time with his family.

Daniel Anderson is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. He has been with Merrill since 1992 and also serves Bank of America, N.A. clients. Outside of his advisory role, he is president of the Darien Volunteer Fire Department, overseeing non-firefighting functions. 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, retirement plans, corporations, and charitable organizations.

Patrick Wayland is a Wealth Management Advisor at Merrill Lynch Wealth Management with a career spanning two decades in financial services. He specializes in planning and portfolio construction, focusing on executives and private business owners. His areas of expertise include corporate executive services, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and tax minimization. Patrick earned both a Bachelor of Science and a Master of Science in Electrical Engineering from Johns Hopkins University. He holds several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He also serves on the boards of the Nantucket Conservation Foundation and Snell Properties, a family-owned real estate company. In addition to his professional pursuits, Patrick contributes to the community as a judge for the Johns Hopkins Business Plan Competition. His personal interests include cooking, music, reading, skiing, spending time with family, tennis, and traveling.

Michael Mercuri is a financial advisor with Merrill in Darien, CT, holding a Series 66 designation and four years of industry experience. His work history includes roles at Fairfield University and Deloitte prior to joining Merrill in 2021. 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.

Ari Lander is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, he held various roles including multiple engagements with Ridgefield Hardware and positions at Fairfield University and Dan Smick Painting. Outside of finance, he has been involved with Ridgefield Hardware as an ongoing activity since 2021. 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 for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.