Liang Shen is a Financial Advisor at Merrill Lynch Wealth Management. He aims to help individuals and businesses take control of their finances and achieve financial priorities by creating and developing generational wealth through personalized investment advice, tax-efficient strategies, estate services, and comprehensive financial planning. His approach is characterized by complex financial planning tactics tailored to clients' unique needs. Liang has extensive experience in finance, economics, business administration, and management with a demonstrated history in the global market industry. He possesses solid skills in financial modeling, analyzing, forecasting, valuation, and portfolio management. Liang is proficient in advisory services and behavioral finance, focusing on professional responsibility and acting in the best interest of his clients. He holds a Bachelor's Degree from Shanghai Normal University and has earned multiple Master's degrees, including an MBA from Hult International Business School and degrees from Harrisburg University of Science and Technology. Liang maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is proficient in English, Chinese, Mandarin, and Taiwanese.

Khristal Slater is a Financial Advisor at Merrill Lynch Wealth Management. She works directly with clients to define their financial goals and develop portfolio strategies designed to help achieve them. Her approach involves ongoing advice and adapting portfolios as clients' situations change. Her areas of focus include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Khristal holds the designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from the University of Technology. Outside of her professional work, Khristal enjoys gardening, interior decorating, music, and traveling. Her philosophy centers on uncovering what matters most to clients and their families to create strategies tailored to their financial goals.

Keunmi Choi is a Senior Financial Advisor affiliated with Merrill Lynch Wealth Management. He provides clients with personalized wealth plans that integrate investment insights from Merrill and banking solutions from Bank of America. With a customer-first, goals-based wealth management approach, he focuses on helping clients build predictability into their financial futures. Keunmi Choi has experience working with a wide range of client needs, including college education planning, family wealth management, international wealth management, retirement income, tax minimization, and small business strategies. He also has expertise in corporate benefit programs such as equity compensation, defined benefit and contribution plans, and nonqualified deferred compensation. Fluent in English and Korean, he offers services to a diverse client base. He holds a Bachelor's Degree from Baylor University and an MBA from Georgia State University. Keunmi Choi holds the Personal Investment Advisor (PIA) designation. In addition to his professional work, he is a member of Evergreen Church and serves as President of the Air Force Academy Central Texas chapter.

Sanjay Malik is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in integrating various aspects of his clients' financial lives to help them prioritize and pursue their most significant goals. His approach involves understanding each client's financial situation, risk tolerance, time horizon, and liquidity needs to develop tailored strategies that align with their aspirations. Sanjay focuses on areas including personal retirement planning, small business strategies, and tax minimization. He emphasizes open dialogue with clients to address issues such as future health care expenses, education funding, business sales, home purchasing, and legacy creation. Utilizing the investment insights of Merrill and the banking services of Bank of America, he provides comprehensive resources to support clients' financial objectives. He holds a Bachelor's Degree from Narsee Monjee College of Commerce and Economics and is a Personal Investment Advisor (PIA). Sanjay is multilingual, speaking Marathi, Gujarati, Punjabi, English, and Hindi. Outside of his professional work, his personal interests include cooking, gardening, photography, reading, soccer, tennis, and watching movies.

Sze Nip is a financial advisor at Merrill with 18 years at the firm and 4 years of industry experience. He holds Series 63 and Series 66 licenses and is based in Forest Hills, NY. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal teams and third-party managers.

Rochelle Cohen is a Senior Financial Advisor with Merrill Lynch Wealth Management. She works with individuals, families, and business owners to develop personalized financial strategies that address risk tolerance, time horizon, and liquidity needs. Rochelle leverages the combined resources of Merrill Lynch and Bank of America to provide investment management, individual and business financing, retirement planning, and trust and estate planning consultation. With extensive knowledge across stocks, bonds, hedge funds, private equity, and derivatives, Rochelle collaborates closely with clients to organize their financial affairs, define goals, and establish plans that balance current liquidity needs and future objectives. She emphasizes ongoing oversight and adjustment of strategies, including portfolio structuring, budgeting, and coordination with other professionals such as accountants, attorneys, and insurance agents to deliver comprehensive financial guidance. Rochelle holds a Bachelor's Degree from the University of Maryland and is a Personal Investment Advisor (PIA). She serves on the Board of Directors for Citylights at Queens Landing Coop Board. Outside of her professional work, she enjoys cooking, golfing, listening to music, watching movies, and spending time with her family.

James Gargiulo is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 30 years of experience in the financial industry, with a background that includes 15 years at Morgan Stanley as an equities market maker, trading and managing risk for large institutional clients. Following that, he spent more than nine years as a Private Client Advisor at JPMorganChase, supporting individuals, trusts, estates, and small businesses. Since joining Merrill in 2019, James continues to provide personalized wealth management strategies tailored to his clients’ unique financial goals. His areas of expertise include education planning, family wealth management, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, investment strategy, tax minimization, and retirement income. James holds a Personal Investment Advisor (PIA) designation and earned a Bachelor’s Degree from LIU CW Post. James is actively involved in his community, volunteering with organizations focused on children and charity through his local community church. Outside of his professional commitments, he engages in various personal interests including adventure sports, baseball, biking, dancing, football, ice hockey, music, soccer, traveling, and watching movies.

Shi Jin is a Financial Advisor at Merrill Lynch Wealth Management. In this role, Shi works with professionals, business owners, and families to simplify complex financial decisions and develop long-term strategies for building, preserving, and transferring wealth. Shi's approach involves understanding clients' goals, values, and life priorities to align their financial resources effectively. Shi brings experience across banking, investment advisory, and wealth management. Expertise includes general investing, retirement planning, and preparing for unexpected financial needs. Shi holds professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Shi earned a Bachelor's Degree from Ohio State University and is proficient in both English and Chinese. Beyond professional responsibilities, Shi participates in community efforts such as Habitat for Humanity.

Jeffrey Resnick is a financial advisor at Merrill with 29 years of industry experience, including 22 years at Merrill. He holds the Series 63 and Series 66 designations. Outside of his advisory role, he serves as a part-time umpire for a recreational softball league. 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 range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Reinaldo Alonso Malubay is a Client Experience Advisor at Merrill Lynch Wealth Management. He began his career with Merrill in August 2002, starting in the Global Private Client division based in Miami. He is part of an 11-person team operating in Miami and New York that serves clients with various financial needs. Reinaldo holds a Law degree and a Master's degree in Stock Exchange and Financial Markets from the Instituto de Estudios Bursatiles in Madrid, Spain. He maintains FINRA Series 7 and 66 registrations, as well as Variable Annuity and Insurance licenses. He is fluent in Spanish and French and holds the Personal Investment Advisor (PIA) designation. He is an active member and Knight of Honour and Devotion of the Order of Malta, dedicating time to charitable work for the sick and the poor worldwide. Reinaldo lives in Coconut Grove, Florida with his wife Adriana and their three children: Alonso, Adriana, and Alejandra.

Joseph Bucci is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on understanding his clients' priorities to develop strategies that pursue their short-, mid-, and long-term financial goals. He assists clients with general investing, retirement planning, and preparing for unexpected financial needs. Additionally, he provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. Joseph's areas of client focus include college education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, small business strategies, socially responsible and values-based investing, sports and entertainment, tax minimization, and retirement income. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Gannon University and a High School Diploma from Cathedral Preparatory School. Outside of his professional role, Joseph enjoys adventure sports, basketball, bowling, fishing, football, golfing, hunting, ice hockey, music, and skiing.

Boris Chiporukha is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Merrill, he worked at Capital One Bank, N.A. for nine years. He is also the owner of WEST COURT GROUP LLC, an entity currently inactive but intended for property acquisition purposes. 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.

Michael Juhn is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing comprehensive wealth management strategies tailored to clients' unique financial situations and goals. His approach involves developing personalized financial plans that remain flexible in response to changing market conditions and client needs. Michael offers access to investment insights from Merrill and banking and lending solutions from Bank of America to support various aspects of his clients' financial lives. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, personal retirement planning, and retirement income. Michael holds the CERTIFIED FINANCIAL PLANNER (CFP) designation as well as the Personal Investment Advisor (PIA) credential. He earned a Bachelor's Degree from the State University at Buffalo and communicates with clients in both Korean and English. Outside of his professional responsibilities, Michael enjoys golfing, hiking, and traveling. He is committed to community involvement and spends time volunteering with local organizations, following Merrill's tradition of service in the communities it serves.

Mircea Selegean is a financial advisor with Merrill, holding a Series 63 designation and 36 years of industry experience. He has worked at Merrill since 1990 and has also been with 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gaurav Suri is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at JP Morgan Chase for six years. 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.

Esther Luk is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Bayside, New York. She has been in the financial services industry since 1973, beginning her role as a full-time Financial Advisor at HSBC Securities in 1994 before joining Merrill Lynch in 2008. Esther focuses on forming long-term relationships with clients and assisting them with all aspects of their financial lives, offering a defined process to create individually customized wealth management strategies. Her expertise spans wealth accumulation, preservation, and transfer, covering areas such as portfolio development, education planning, liability management, retirement planning, tax minimization, and asset preservation. Esther provides sophisticated strategies related to concentrated stock positions, company stock options, liquidity, and other investment management approaches, with an emphasis on ensuring a lifetime retirement income stream. She collaborates closely with clients’ trusted advisors, including accountants and attorneys, to address tax, trust, philanthropic, and estate matters. Esther attended Hunter College and Queens College from 1975 to 1979, majoring in Business Administration. She holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Esther is fluent in English, Cantonese, and Mandarin. Outside of her professional work, she participates in community volunteering and has personal interests in music, reading, and singing.

George Plauche is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides financial advisory services to clients, assisting them in managing their wealth and financial planning needs. Details about his specific areas of expertise, experience, education, credentials, personal interests, or community involvement have not been provided.

Ming Huang is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in managing new wealth, philanthropic planning, and retirement income, providing tailored financial strategies to meet the unique needs of each client. With over two decades of experience in the financial industry, Ming takes a holistic approach by considering clients’ short- and long-term goals, risk tolerance, investment preferences, and tax factors. He is committed to building long-term relationships and offering ongoing support and guidance throughout all stages of the financial journey. Ming holds a Bachelor's Degree from Baruch College and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, he has personal interests in music, racquetball, and watching movies.

David Cummins is a financial advisor with Merrill in Forest Hills, NY, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with Bank of America and Merrill Lynch since 2014. 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 and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies constructed by internal and third-party managers.

Adrien Ventura is a financial advisor at Merrill with eight years of industry experience, including prior roles at Loring, Wolcott & Coolidge and Bank of America, N.A. He holds the Series 66 designation and is based in Forest Hills, NY. 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 to individuals, high-net-worth clients, and institutions.

Misael Mendoza is a financial advisor at Merrill with a Series 66 designation and 19 years of industry experience. He has worked at Merrill since 2007 and is also associated with Bank of America, N.A. since 2026. 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 managed by internal teams and third-party managers for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Karen Kalkines is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Her prior roles include positions at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Co. She was also briefly self-employed under her own name in 2018. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.