Scott Beckley is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over fifteen years of experience working in the financial advisor services industry in Denver, focusing on providing wealth planning and financial advice to his clients. Scott works with corporate executives and families considering retirement or cash flow organization, helping them simplify their finances and achieve greater financial security. His approach involves explaining the wealth management process in-depth and building customized portfolios within clients' risk tolerance and time horizon. Scott holds a B.S. in Finance from Michigan State University and an MBA from the University of Colorado. He has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Scott was recognized by Forbes as one of the "Best in State Wealth Advisors" in 2021 and 2022. Scott is involved with the Denver Zoological Foundation's Leadership Council, where he has served as Co-Chair, and is a member of the Denver Zoo and Lake Valley Golf Club. He and his wife Suzanne have a daughter. Outside of work, Scott enjoys golfing, spending time with his family, and traveling.

Michelle Losasso is a Senior Financial Advisor with Merrill Lynch Wealth Management. She joined Merrill Lynch in 2011 after five years as a financial advisor at RBC. Prior to her career in finance, Michelle worked at Christie's Auction House in New York City. Her primary areas of focus include retirement income planning for retirees and pre-retirees, wealth building strategies for goal-oriented families and individuals, as well as specific planning strategies for women investors and members of the LGBT community. Michelle emphasizes ongoing portfolio management, proactive communication, and goal tracking in her client service model to deliver a personalized experience tailored to each client's needs. Michelle holds a Bachelor's Degree from Manhattanville College and is a Personal Investment Advisor (PIA). Beyond her professional commitments, she is involved with the Epilepsy Foundation of Colorado and Wyoming. In her personal time, Michelle enjoys yoga, art, reading, antiquing, cooking, dancing, interior decorating, music, and spending time with those important to her.

Mary Stults is a financial advisor with Merrill in Denver, CO, holding a Series 66 designation and 25 years of industry experience. She has worked at Merrill Lynch Pierce Fenner & Smith Inc since 2000 and at Bank of America, N.A. since 2011. Merrill, together 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, pension and profit-sharing plans, corporations, and charitable organizations.

Davis Owens is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he collaborates with a team of specialists to assist businesses and individuals in determining and achieving their financial objectives. His primary focus is on addressing the investment needs and goals of each client while maintaining transparency throughout the advisory relationship. Born and raised in Oklahoma City, Davis Owens holds a Bachelor of Business Administration degree in Finance from the University of Oklahoma. He holds the Personal Investment Advisor (PIA) designation, supporting his capabilities in providing personalized financial strategies. Davis emphasizes working one-on-one with clients to develop flexible wealth management plans tailored to their long-term goals. He also participates in community volunteering, reflecting the Merrill tradition of engagement in the communities served.

Heather Pacheco is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2009 and brings over 20 years of experience in financial services. Heather works primarily with high-net-worth individuals and families to connect all aspects of their financial lives, helping them prioritize and pursue their short- and long-term financial goals through customized strategies aligned with their priorities. Heather holds a Bachelor of Business Administration degree in Finance from Mercer University. She is also certified as a CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her expertise covers a range of areas including college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. In her personal life, Heather enjoys spending time with her husband and daughter biking, skiing, gardening, golfing, and reading. She is involved in her daughter's school and their church community.

Christine Eakins is a financial advisor at Merrill with 18 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch since 2005. Outside of her advisory role, she serves as a committee member for Cherry Creek Has Heart, a nonprofit organization that decides on local charity donations. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers both model-based and discretionary investment strategies developed by internal and third-party managers.

Chelsea Botta is a Private Wealth Advisor with Merrill Private Wealth Management at Mayer, Botta and Associates. Based in Boston, she provides specialized advice and guidance to individuals and families with complex wealth management needs across multiple regions of the United States. Chelsea focuses on serving multi-generational families, wealth creators, and clients actively building their wealth, assisting them with investment management, cash-flow analysis, wealth strategy, charitable giving, trust and estate planning services, banking and lending, and business succession planning. Chelsea joined Merrill Private Wealth Management in 2012 and brings expertise from her prior six years as an Investment Analyst, where she gained experience in capital markets, including asset allocation modeling, manager research, risk analysis, and diversification strategies. She holds a Bachelor of Science in Business Administration with a concentration in Finance and minors in Accounting and Economics from Marist College, graduating Magna Cum Laude. While at Marist, she was a member and two-year captain of the women's soccer team. Outside of her professional work, Chelsea enjoys playing in a local co-ed soccer league, staying active with her rescue dogs Chase and Bruno, and traveling.

Eric Mac Vittie is a financial advisor at Merrill in Denver, CO, holding a Series 66 designation with 14 years of industry experience. His work history includes roles at Bank of America, Merrill, US Bank, and GHP Investment Advisors. 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.

Gabrielle Hodgson is a financial advisor with Merrill in Denver, Colorado, holding Series 65 and Series 66 licenses and bringing 23 years of industry experience. Her prior roles include positions at Vanguard Marketing Corporation, The Vanguard Group, Inc., and Federated Investment Counseling. She serves on the development committee of the Food Bank of the Rockies, assisting with fundraising and community outreach. 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, and institutions.

Breanna Latt is a financial advisor with Merrill based in Denver, CO, holding a Series 66 designation and two years of industry experience. Her prior experience includes roles at Oppenheimer and Andersen Law PC. 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, and institutional investors.

Christopher Sommese is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Plowshay - Jenkins Group since April 2026. He brings over a decade of experience in helping individuals, families, and business owners build, manage, and preserve wealth. Christopher focuses on a personalized, goals-based approach to financial planning, aligning strategies with each client's long-term vision. He partners with clients throughout every stage of their financial lives, including investment management, retirement planning, wealth transfer, and risk management. By leveraging the resources of Bank of America, N.A. and Merrill, along with a disciplined investment process, he delivers strategies adaptable to changing markets and life circumstances. Christopher holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Originally from Northern Virginia, Christopher moved to Colorado in 2010 to attend business school at the University of Colorado Boulder, where he earned his bachelor's degree. Outside of work, he enjoys spending time with his wife, Abbie, their two Labrador retrievers, and their pet rabbit. His personal interests include hiking, camping, golfing, and snowboarding in Colorado.

Luke Fox is a Financial Advisor at Merrill Lynch Wealth Management. He collaborates with business owners, executives, and families to design customized strategies that address the complexities of growing and preserving wealth. His approach incorporates insights from Merrill and banking solutions from Bank of America to help clients pursue their financial goals. Luke's expertise includes executive compensation, legacy planning, personal retirement planning, tax minimization, and retirement income. He and his team focus on connecting all aspects of clients' financial lives, providing guidance on topics such as managing concentrated stock positions, balancing growth and liquidity, and preparing for major transitions like business sales or retirement. He holds a Bachelor's Degree from the University of Oklahoma and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Outside of his professional work, Luke spends time fishing, golfing, hunting, skiing, and with his family. He also engages in volunteer activities within his community as part of Merrill's tradition of community participation.

Jay Oyer is a Wealth Management Advisor at Merrill Lynch Wealth Management with over two decades of experience. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, awarded by the Certified Financial Planner Board of Standards, and other professional credentials including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Colorado State University. Jay focuses on helping clients create financial security and flexibility tailored to their personal goals, whether they are building a home, a business, or developing a long-term wealth plan. He aims to simplify complex financial decisions and empower clients through education and collaboration. His expertise includes college education planning, corporate executive services, employee benefits planning, executive compensation, family wealth management strategies, personal retirement planning, portfolio management, socially responsible and ESG investing, tax minimization, and retirement income. Outside of his professional work, Jay enjoys traveling and spending time with his wife Morgan. He maintains physical fitness through activities such as biking, hiking, running, swimming, skiing, and golfing, and has interests in cooking, drawing, and the arts and humanities. He participates in community volunteering consistent with Merrill's tradition of service.

Sara Burns Fobian is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2018, following seven years at Diamond Polsky & Bauer. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Randi Zamazal is a financial advisor at Merrill in Denver, CO, with 27 years of industry experience. She has held her current position at Merrill since 1998. Zamazal holds the Series 63 and Series 66 designations. Merrill, together 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 plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.

Anthony Delgado is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the downtown Denver office as part of the Stults Livran Group. In this role, he collaborates with families, individuals, and business owners to develop customized investment strategies aimed at helping clients pursue their financial goals. He emphasizes transparency in fee structuring and client communication while providing access to Merrill's investment insights and Bank of America's banking and lending solutions. Delgado holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Colorado State University. Committed to understanding clients’ financial priorities through active listening, he focuses on creating personalized wealth management strategies tailored to each client’s long-term objectives. Outside of his advisory work, Delgado is involved with the CSU Alumni Association and the Denver Athletic Club. He also participates in community volunteer activities, reflecting the Merrill tradition of community engagement.

Katherine Van Meter is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in a variety of client focus areas including college education planning, divorce transition planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. With close to thirty years of experience, Katherine and her team concentrate on retirement planning, guiding clients through each phase of life by understanding their unique needs and goals. She holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Houston System. Outside of her professional work, Katherine enjoys fishing, golfing, running, scuba diving, spending time with her family, and traveling.

Varoon Jewahar is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill in multiple periods totaling over eight years, with additional experience at Citigroup and Robinhood Markets. 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.

Francis Loughran is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His prior work includes roles at Bank of America, Merrill Lynch, BOKF, and Brinker International. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, with portfolio implementation tailored to client needs.