Ratnadeep Damle is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on understanding clients' financial and life priorities to customize strategies that align with their goals. His expertise includes college education planning, international wealth management, legacy planning, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Before joining Merrill, Ratnadeep managed the international division of an aerospace software company. He holds a Bachelor's Degree from the Massachusetts Institute of Technology and a Master's Degree from Columbia University. He carries the Personal Investment Advisor (PIA) designation. Ratnadeep is involved with community organizations such as Civil Air Patrol, CyberPatriot, and the MIT Alumni Group in the Delaware Valley Region. He speaks English, Marathi, French, Hindi, German, and Japanese. His personal interests include hiking, music, reading, singing, spending time with family, traveling, and yoga.

Carmine Ciccolella is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1994. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Carmine specializes in retirement planning strategies, fixed income portfolio construction, and wealth management for affluent individuals and small business owners. His approach emphasizes preservation of capital, cash flow, and tailoring recommendations to align with each client’s income and growth objectives. Carmine holds a Bachelor of Science degree from the United States Naval Academy and a Master of Science degree from Golden Gate University. Following his graduation in 1986, he served as a Naval Officer for seven years, gaining experience in financial and logistics responsibilities. His professional focus includes family wealth management, liquidity management, tax minimization, investment planning, and estate transfer strategies. Carmine works closely with a Registered Wealth Management Client Associate to provide comprehensive financial advisory services. Residing in Hockessin, Delaware, Carmine is married with two sons. He is active in his local church and alumni association groups. Outside of work, he enjoys baseball, golfing, reading, and spending time with his family.

Vartan Karakelian is a Sales Manager and Wealth Management Advisor with Merrill Lynch Wealth Management. He has been serving affluent clients since 2001, providing guidance in areas such as divorce transition planning, equity compensation services, family wealth management strategies, managing new wealth, portfolio management services, tax minimization, and retirement income. He focuses on crafting written financial strategies tailored to each family's goals to help clients make informed decisions and achieve important outcomes. Mr. Karakelian holds a Bachelor's degree from Drexel University and a Master's degree from the University of Pennsylvania. He has earned several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional work, Mr. Karakelian is involved in his community as a deacon at St Gregory's Armenian Church and has served as a former Exchange Club President. He also participates in the Salvation Army and supports orphans and disadvantaged children abroad. His personal life centers on his family, including his wife of 35 years and their two children.

Elizabeth Smith is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

D. Scott Wisman is a Wealth Management Advisor with extensive experience at Merrill Lynch Wealth Management. Since 1982, he has provided customized wealth management services to affluent individuals, families, and professionals. His approach emphasizes taking a comprehensive view of wealth management that goes beyond clients' investments, beginning with listening to understand what is truly important to them before making recommendations. Scott draws on over 40 years of experience navigating both turbulent and prosperous markets. He specializes in constructing and managing fixed income portfolios and focuses on helping clients make decisions based on long-term goals rather than short-term market fluctuations. His client focus areas include college education planning, corporate executive services, executive compensation, family wealth management strategies, personal retirement planning, portfolio management, investment strategy, tax minimization, and retirement income. Scott earned his Bachelor's degree from Virginia Polytechnic Institute & State University. He holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has been recognized by Forbes as one of America's Best-in-State Wealth Advisors for multiple consecutive years and was named to Barron's America's Top 1,200 Financial Advisors list from 2011 to 2017. Outside of his professional work, Scott is an avid skier and sports car enthusiast. He resides in West Grove, Pennsylvania, with his wife, Barbara. They have two children, Jennifer and Michael, the latter of whom is a Financial Advisor with the team.

John Rosecky is a Wealth Management Advisor with Merrill Lynch Wealth Management. He assists clients by providing financial services through a broad platform that can be tailored to meet specific needs. His approach involves working closely with clients to create personalized financial strategies designed to help pursue their individual goals. John's expertise encompasses liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. He carefully considers cost, tax implications, and risk to help ensure clients make informed and confident financial decisions. He also has access to specialists in commercial loans, corporate financing, trust services, 401(k) plans, residential mortgages, and life/long-term care insurance. He holds a Bachelor's Degree from Drexel University and professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). John is involved in professional and community organizations such as the St. Andrews Society of Philadelphia and serves as President of the Delaware County Medical Society Public Health Fund. He also participates in community volunteer activities.

Jonathan Wood is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Exton, Pennsylvania office. He is part of The Wood Cain Group, a team with over 92 years of Wealth Management and Financial Services experience, focusing on serving a select group of successful families and businesses. The team bases its planning relationships on clients' financial needs, objectives, time horizons, and risk tolerance, aiming to assist in wealth accumulation, preservation, and transfer strategies. Jonathan's expertise includes areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. The team's process incorporates asset allocation, liability management, tax minimization strategies, and asset preservation. He holds a Bachelor's Degree from Pennsylvania State University and a High School Diploma from Ridgewood High School. Jonathan is also a member of the Pennsylvania State University Alumni Association.

Lei Knopp is a financial advisor with Merrill in Exton, Pennsylvania, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill Lynch since 1995. 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 institutions.

Elama Ali is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to her current role, she worked at Aunt Molly's Discount Beverage and Aston Gardens. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Andrew Aramany is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2005 and brings over two decades of experience in the financial services industry, including prior positions at the Vanguard Group and Lincoln Financial Group. Andrew holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), CHARTERED FINANCIAL CONSULTANT (ChFC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Andrew earned a bachelor’s degree from the University of Delaware and a master’s degree from Villanova University. At the University of Delaware, he was awarded an Athletic Letter Award for football. He works closely with clients to develop investment strategies tailored to their financial goals and risk tolerance, focusing on areas such as college education planning, liquidity management, managing new wealth, personal retirement planning, and women and wealth. In addition to his advisory role, Andrew teaches investment-related courses at the Life Long Learning Institute at Immaculata University and Chester County Night School. Andrew resides in Downingtown, Pennsylvania, with his wife and three children. His personal interests include biking, football, golfing, racquetball, running, scuba diving, and tennis.

Christine Gordon is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning her career in financial services in 1999, she has focused on assisting clients through a holistic, formula-based approach to accumulating, managing, and preserving wealth. Christine works closely with individuals, families, and businesses, providing integrated wealth management and planning services based on a comprehensive understanding of each client’s financial situation and priorities. With over two decades of experience, Christine’s expertise includes retirement planning, business transition strategies, college education planning, legacy planning, and socially responsible investing. She holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christine also completed a Non-Accredited Certificate Program at Taylor University. She is active in professional and community organizations such as the Southern Chester County Chamber of Commerce and Believers In Business, where she serves on committees and the board. Christine is committed to providing objective advice and personalized service, emphasizing integrity and attention to detail. She views financial advising as a process that requires adaptability to life changes and aims to empower clients to take control of their financial lives. Living in Chester County, she participates in local community activities and enjoys cooking, gardening, golfing, horseback riding, and photography.

Andrew Rosecky is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in managing new wealth, personal retirement planning, and portfolio management services, working closely with clients to develop personalized financial strategies tailored to their individual goals. His approach includes thorough consideration of costs, tax implications, income needs, and risk management. Andrew holds a Bachelor's Degree from Drexel University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise extends to a range of financial services such as commercial loans, corporate financing, trust services, 401(k) plans, residential mortgages, and life/long term care insurance, with banking, credit, and lending offerings provided through Bank of America. In addition to his professional focus, Andrew engages in community volunteering activities in line with the Merrill tradition. He has personal interests in football, music, pickleball, and yoga.

Brett Mayne is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has worked at Merrill since 2019 and was previously with Bank of America, N.A. He also has experience with Bank of America Merrill Lynch and spent time working at the University of Tampa. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Snelling is a Wealth Management Advisor at Merrill Lynch Wealth Management, serving managers, professionals, and rising executives. He advises clients through financial transitions related to career moves and retirement. Since beginning his career as a financial advisor in 1983, Peter has guided clients in preserving and growing their assets through various market cycles and life events. He focuses on a wide range of financial matters, including wealth accumulation, legacy planning, education investing, and long-term planning. Peter regularly offers workshops on career transitions and retirement. He joined Merrill Lynch in 2008 to utilize the firm's extensive platform. Peter works cooperatively with clients' other advisors, such as tax attorneys and accountants, and leverages expertise in estates and trusts through Merrill and Bank of America. Peter holds a Bachelor's Degree from the University of Delaware and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He and his team maintain a boutique practice size to provide a high-touch approach, with many client relationships spanning more than 20 years.

Helen O'hara is a Wealth Management Advisor at Merrill Lynch Wealth Management. She works with families, small business owners, and corporate executives through every phase of their financial journey—from career-building years and pre-retirement planning to retirement and legacy planning. Helen helps clients navigate uncertainty, gain clarity about their future, and simplify their financial lives so they can focus on what matters most. Prior to joining Merrill, Helen spent over 25 years building a local real estate company into an industry leader. She began her career at Deloitte, where she earned her Certified Public Accountant (CPA) designation and developed a strong foundation in business and finance. She holds a Bachelor of Science degree in Accounting from Villanova University School of Business. Helen earned the CERTIFIED FINANCIAL PLANNER™ (CFP) certification in 2014 and also holds designations as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Helen resides in West Chester, PA with her family and rescue dogs. Outside of work, she enjoys cycling, boating, traveling, and spending time at the Jersey Shore. She is involved with community initiatives such as Better Money Habits through Bank of America and participates in the professional organization Beacon.

Victoria Bucher is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has worked at Merrill and Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Katelyn Wilson is a financial advisor at Merrill with nine years of industry experience. She holds the Series 66 designation and has worked at Merrill and Bank of America, N.A. since 2017. Prior to that, she was employed at USLI from 2011 to 2017. Merrill, together with 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.

Madeline Huis is a financial advisor with Merrill in Exton, PA, holding a Series 66 designation and two years of industry experience. Her prior work includes roles at West Chester Animal Hospital, SoundHorse, Woodstock Eventing, and WR Sporthorses. 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.

Andrew Zeplin is a financial advisor with Merrill in Exton, PA, holding a Series 66 designation and 10 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2015. He serves as a board member of the Kimberton Meadows HOA, contributing to community governance and maintenance. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutions, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage services. The firm integrates closely with Bank of America affiliates and emphasizes tax-efficient investment management and manager-selection capabilities.

Kathleen Durkin is a financial advisor at Merrill with 31 years of industry experience. She has held positions at Merrill since 2017 and previously at Wells Fargo Clearing. She holds Series 63 and Series 66 designations. Outside of her advisory work, Durkin is involved with the Delaware County Medical Society Public Health Fund, where she helps organize and distribute grant funding to local charities. 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.

Ronald Kummerer Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Exton, Pennsylvania. In 2022, he earned the internal titles of Senior Vice President and Senior Financial Advisor/Portfolio Advisor. With over 25 years at Merrill, he has experienced various market conditions and specializes in portfolio construction, investment research, and creating customized financial and income strategies for clients preparing for or currently in retirement. Ronald holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Accredited Asset Management Specialist (AAMS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His education includes a Bachelor's Degree from Millersville University of Pennsylvania and an Accredited Certificate Program from Harvard University. He serves clients in Exton and surrounding offices and communicates in both English and Spanish. Residing in Coatesville, Pennsylvania, Ronald is active in his community, coaching soccer at Coatesville Area Senior High School and volunteering with organizations such as Cradles to Crayons and East Brandywine Youth Athletics. His personal interests include baseball, cooking, football, golfing, music, skiing, soccer, softball, and woodworking.

James Della Guardia is a Senior Financial Advisor with Merrill Lynch Wealth Management. With 32 years of experience in the financial services industry, he focuses on developing long-term relationships with clients, working collaboratively to ensure they understand their investments and the reasons behind them. His client services include college education planning, divorce transition planning, retirement income strategies, portfolio management, tax minimization, and managing new wealth, among other areas. James earned a bachelor's degree in Economics from Nicholls State University after initially attending The University of Miami, where he played baseball from 1985 to 1988. He holds the Personal Investment Advisor (PIA) professional designation. In addition to his financial career, James has a background in semi-professional baseball and resides in Phoenixville, Pennsylvania, where he has lived since 1998. He is actively involved in his community and enjoys spending time with his family and participating in sports such as baseball, football, golf, and softball.

Michael Wisman is a Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2014, providing clients with personalized wealth management strategies aimed at achieving their investment and retirement objectives. He serves affluent families, corporate executives, retirees, and business owners as part of Main Line Wealth Management & Associates. Michael focuses on areas including liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a bachelor's degree in economics from Susquehanna University and has earned the Chartered Retirement Planning Counselor (CRPC) designation as well as the Personal Investment Advisor (PIA) credential. Outside of his professional work, Michael enjoys traveling, tennis, skiing, Thoroughbred horseracing, hiking, running, and spending time with his family. He lives in Kennett Square, Pennsylvania, with his wife, Hope, and their son, Cole.

Joseph Brooks is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in 1981 as a Financial Advisor in Philadelphia before relocating his practice to Media, Pennsylvania, in 1984. From 1993 to 2013, he served as the Resident Director of the Media office. After choosing to focus exclusively on client service in 2013, he expanded his practice with the addition of his daughter in 2017 and later integrated with the Exton office team in 2021. Joe’s expertise encompasses a range of client focus areas including divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, defined benefit plans, personal retirement planning, portfolio management, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He applies his knowledge of risk management and personalized financial planning to support clients in building, preserving, and generating wealth. He holds a Bachelor of Science degree in Accounting from St. Joseph’s University and has earned professional designations such as Certified Investment Management Analyst (CIMA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional responsibilities, Joe enjoys golfing, reading, traveling, and spending time with his wife Denise, their three children, and five grandchildren. He has also served as President of Aronimink Golf Club in Newtown Square, Pennsylvania.

Jeffrey Bohus is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2013. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its 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.

Karen Kasper is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. She has been with Merrill since 2008. Outside of her advisory role, she is involved with Kraftworks by Kasper, LLC, a retail business specializing in custom cups and wood crafts, where she assists with bookkeeping and online store setup. 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 variety of clients including individuals, high-net-worth clients, and institutions.

Edward Zobian is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with clients to preserve, grow, and efficiently distribute their wealth to help them achieve their financial goals. Since 1995, he has provided financial strategies and services that include retirement and estate planning, access to capital, philanthropic strategies, and investment strategies. Edward begins his process by thoroughly understanding his clients' needs and goals and collaborates with them to build plans aimed at achieving their objectives. Edward earned a Bachelor's Degree in Economics from Haverford College in Pennsylvania. Over the years, he has cultivated expertise in a range of client focus areas, including family wealth management strategies, services for endowments, foundations, and non-profits, personal retirement planning, philanthropic planning, socially responsible investing, special needs planning, and retirement income strategies. He holds the Professional Designation of Personal Investment Advisor (PIA). In addition to his professional work, Edward is actively involved in community organizations. He serves on the Board of Habitat for Humanity of Chester County and is the Chair of the Board of Presidential Advisors for Fiorenza's Food for Friends. Through these roles, he contributes to efforts such as helping families build affordable homes and connecting excess food sources with organizations that feed the hungry.

Frederick Hoey III is a financial advisor with Merrill who holds a Series 66 designation and has 22 years of industry experience. He has worked at Merrill since 2003 and has also been affiliated with Bank of America, N.A. since 2011. Merrill serves a wide range of clients including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and monitoring through multiple program strategies and leverages its integration with Bank of America affiliates for trading, lending, and capital-markets activities.

Frederick Hoey is a financial advisor at Merrill with Series 63 and Series 65 licenses and 61 years of industry experience. He has been with Merrill since 1964 and has also worked at Bank of America since 2009. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes tax-efficient investment strategies and leverages its integration with Bank of America affiliates to support a broad range of financial activities.

Alex Lamperti is a financial advisor at Merrill with 26 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 1998, alongside Bank of America, where he has been employed since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brian Carickhoff is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has extensive experience in financial advising, having joined Merrill in 2005 after eight years at Morgan Stanley. His practice focuses on serving a diverse client base including business owners, physicians, engineers, and members of the LGBTQ community, addressing complex financial and life transitions such as retirement, liquidity events, career changes, and loss of loved ones. Brian holds a Bachelor's degree from West Chester University and carries multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP®), Accredited Domestic Partnership Advisor (ADPA™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He applies a planning-based approach driven by facts and proven strategies, aiming to help clients achieve meaningful financial outcomes while managing risk. A former Indirect Fire Infantryman in the U.S. Army, Brian was awarded two Army Achievement Medals, the National Defense Medal, the Kuwait Liberation Medal, and the Southwest Asia Service Medal with one Bronze Service Star before an honorable discharge following Operation Desert Storm/Shield. In 2018, he founded Operation Honor Guard, a nonprofit dedicated to honoring fallen soldiers by maintaining their headstones. Brian is also involved in various community organizations including the Little American Football Association, West Chester Juniors Basketball Association, West Chester United Soccer Club, and the YMCA - Greater West Chester. He enjoys spending time camping, golfing, playing soccer, and being with his family.

Stephen Ianniccari is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing tailored wealth management strategies, including retirement income planning, estate planning services, concentrated holdings management, and tax minimization strategies to help clients pursue their financial goals while managing and preserving their wealth. Stephen specializes in areas such as corporate executive services, divorce transition planning, executive and equity compensation services, institutional and corporate benefit services, legacy planning, personal retirement planning, portfolio management, small business strategies, and tax minimization. He holds a Bachelor's degree from Pennsylvania State University and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is actively involved in his community, serving on the board of the local Rotary Club and as an ambassador for the Chamber of Commerce. Stephen is also a member of the Penn State Alumni Association. He lives in Wilmington with his wife and sons.

Laura Banes is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. She has worked at Merrill since 2019 and has prior experience in the restaurant industry. Outside of her advisory role, she has worked in customer service at Ron’s Original Bar and Grill. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Klaus Miller is a financial advisor at Merrill with 48 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1978, including a 15-year tenure at Bank of America, N.A. Miller is based in Exton, PA. 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.