Marnie Maclaren is a financial advisor with Merrill in Florham Park, NJ, holding a Series 66 designation and bringing 25 years of industry experience. She has worked with Merrill Lynch, Pierce, Fenner & Smith Inc since 2000. In addition to her advisory role, Maclaren serves as a voting member of the Florida Securities Dealers Association and participates on one of its committees. 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.

Pablo Cardoso is a Series 66 licensed financial advisor with 18 years of industry experience. He is currently with Merrill and Bank of America N.A., joining in 2022, and has held previous roles at Santander Securities, JPMorgan Chase, PNC Wealth Management, and other firms. He serves as the treasurer for the North Plainfield High School PTO. 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.

Michael De Nucci is a financial advisor at Merrill in Florham Park, NJ, holding a Series 66 designation. He has been with Merrill and Bank of America, N.A. since 2026. Prior to his advisory role, he was associated with Lehigh University and Pope John XXIII. 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.

Carmine Pezzella is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1994. He focuses on retirement planning strategies, fixed income portfolio construction, and wealth management for affluent individuals and small business owners. Carmine places particular emphasis on capital preservation, cash flow, and tailoring recommendations to align with each client’s income and growth objectives. He 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 from the Naval Academy, Carmine served as a Naval Officer for seven years in various roles involving financial and logistics responsibilities. He has earned the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning Institutes Corp. Beyond his professional career, Carmine resides in Hockessin, Delaware with his wife and two sons. He is an active member of his local church and alumni associations. His personal interests include baseball, golfing, reading, and spending time with his family.