Meryl Charnow serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in assisting clients with their finances as they navigate through life changes. She manages custom investment strategies on a discretionary basis, utilizing a wide range of Merrill model portfolios and third-party investment options. Her approach integrates wealth management planning, investments, and credit and banking services, providing clients with a single point of contact to simplify their financial needs. Meryl works closely with clients to understand their unique goals and develops personalized financial strategies tailored to pursue those objectives. She collaborates with clients' attorneys, CPAs, and other advisors to better serve their interests. Her expertise encompasses areas such as college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. She holds a Master's Degree from Boston University and a Bachelor's Degree from the University of Massachusetts, along with professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Meryl engages with her community through involvement in organizations such as Best Foot Forward, Tri-County Humane Society, Jewish Federation, Beach Clean Up, Soroptimist, and events like Boating and Beach Bash for Special Needs. Her personal interests include gardening, music, reading, spending time with family, and swimming.

Phoebe Chapman is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley from 2012 to 2018 before joining Merrill and Bank of America in 2018. Outside of her advisory role, she serves as a trustee for the Jeanette Himes Trust. 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 for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kevin Peebles is a financial advisor at Merrill in Fort Lauderdale, FL, holding a Series 66 designation with one year of industry experience. His prior work includes roles at JPMorganChase and PageGroup. 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 a range of individual and institutional clients.

Anne Dolph is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over three decades of experience in financial services since beginning her career in 1985 and joining Merrill Lynch in 1989. She specializes in delivering personalized wealth management strategies, focusing on comprehensive wealth planning, retirement and estate planning, investment management, and tax-efficient strategies for individuals, families, and businesses. Anne maintains a limited client base of 100 to ensure personalized, hands-on service and emphasizes financial education, particularly for younger generations, to support sustainable wealth preservation and growth. Anne holds a Bachelor's Degree from Spring Hill College in Mobile, Alabama, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Raised in St. Louis, Missouri, she resides in Fort Lauderdale with her husband and three children. Beyond her professional role, Anne contributes to her community as a sustaining member of the Junior League of Fort Lauderdale and The Children's Opportunity Group.

Lisa Croyle is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 63 designation and 32 years of industry experience. She has worked at Merrill since 2010 and previously held positions at Oppenheimer, Wells Fargo Clearing, and Prudential Equity Group, LLC. 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.

Kristina Vinal is a Series 66 licensed financial advisor with Merrill in Fort Lauderdale, FL, and has seven years of industry experience. She has been with Merrill and its affiliate Bank of America, N.A. since 2017. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anthony Decerbo is a Wealth Management Advisor at Merrill Lynch Wealth Management, serving entrepreneurs, business owners, and corporate executives who have built significant wealth and seek coordinated strategies to protect and grow their assets. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) and CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA) designations and partners with a select group of clients whose wealth management needs have outgrown generalist advice. Anthony's expertise includes executive compensation, RSUs and concentrated position management, business ownership and succession planning, tax minimization, multigenerational wealth and legacy planning, alternative investments, as well as banking, cash management, home financing, and lending solutions through Bank of America. His team collaborates with Merrill's Private Executive Services group in New York City to provide clients access to institutional-level resources typically reserved for the largest private wealth relationships. A native of South Florida, Anthony earned a Bachelor's Degree from Florida State University. He is affiliated with professional organizations including BNI Millionaires and Seminole Club of Broward County. Outside of his professional role, he enjoys basketball, football, running, spending time with his family, traveling, and watching movies.

Nicholas Durfee is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping clients pursue their short-, mid-, and long-term financial goals by developing personalized strategies. His work covers areas including general investing, retirement planning, and saving for unexpected events. Nicholas also provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. His client focus areas include Family Wealth Management Strategies, Portfolio Management Services, and Small Business Strategies. Nicholas holds several professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his Bachelor's Degree from Elon University and is a member of the Elon Alumni Network. Outside of his professional role, Nicholas enjoys boating, cooking, fishing, golfing, skiing, tennis, and traveling.

Dr. Linda Weitz Stone is a Wealth Management Advisor and Vice President at Merrill in Ft. Lauderdale, Florida. She holds several professional designations including Certified Portfolio Manager (CPM®), CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Plan Fiduciary Advisor® (CPFA®), and Accredited Domestic Partnership Advisor™ (ADPA®). She serves as Director at Large for the Academy of Certified Portfolio Managers. As a Senior Portfolio Manager, she offers customized investment strategies, incorporating individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. She has the flexibility to manage portfolios on a discretionary basis and to assist other Merrill advisors with managing client assets using her own strategies. Linda has over 35 years of experience in the financial services industry, beginning her career on Wall Street soon after graduating high school. She holds a Ph.D. in Business Administration from Northcentral University, as well as an MBA and a Bachelor of Science degree from Nova Southeastern University. She focuses on helping clients pursue individual financial goals and maintain a comfortable retirement. Linda lives in Hollywood, Florida, with her husband. She has three children and four grandchildren. Outside of work, she enjoys family outings, biking, skiing, and international travel.

Michelle Valdez is a Financial Advisor at Merrill Lynch Wealth Management. In her role, she focuses on helping clients uncover what matters to them and their families to create strategies aimed at pursuing their financial goals. Michelle prioritizes understanding her clients' individual needs to provide personalized advice on a range of topics including general investing, retirement planning, and preparing for unexpected expenses. She holds multiple professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Sports & Entertainment (SE), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Michelle earned her bachelor's degree from Pontificia Universidad Catolica Madre y Maestra. Michelle communicates effectively in both English and Spanish, enabling her to serve a diverse client base. She encourages clients to reach out for ongoing discussions about their financial goals, concerns, and questions, providing ongoing guidance as their needs evolve.

Susan Kirkpatrick is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 credentials. Her prior experience includes roles at Janney Montgomery Scott, Fortitude Advisory Group L.L.C., Wamu Investments, Inc., and Essex National Securities, LLC. Merrill 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.

Patrick Feeney is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 credential and eight years of industry experience. His prior roles include positions at Bank of America, N.A., Suntrust Advisory Services, Inc., Suntrust Investment Services, Inc., Suntrust Bank, and The Northern Trust Company. Outside of his advisory work, he is a passive owner of an LLC that operates an online e-commerce store selling nutritional supplements. Merrill provides managed account services through its Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a variety of model-based and discretionary investment strategies supported by internal and third-party management teams.

Adrian Force is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career at Merrill Lynch in September 1987 shortly after graduating from Towson University with a Bachelor's Degree in Business. Adrian holds the Personal Investment Advisor (PIA) designation. Adrian focuses on working with individuals in managing new wealth, personal retirement planning, portfolio management services, and retirement income. He emphasizes building strong relationships with clients through in-depth conversations about their financial goals and life concerns. Adrian stays current on industry trends, products, and regulations by regularly attending Merrill seminars. Residing in Timonium, Maryland, Adrian lives with his wife, Emily, and their dog. He is involved with the Philemon Ministry, which assists men recently released from prison in reintegrating into society. Adrian's personal interests include cooking, dancing, golfing, music, reading, spending time with family, and traveling.

Jacob Spiegel is a Financial Advisor with Merrill Lynch Wealth Management, serving ultra-high net worth families and business owners across the United States. He is based in Fort Lauderdale, FL, and works with clients to develop strategies that prioritize their financial goals amid changing markets and complex financial landscapes. Raised on a farm in Kansas, Jacob developed an appreciation for hard work, discipline, and long-term planning. He earned a Bachelor's degree in Finance and Economics from Kansas State University and holds professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). As a member of The Mordis Group, he provides a range of services beyond investment advice including investment and risk management, trust and estate planning services through Bank of America, banking and lending services, access to family office services, alternative investments, insurance solutions, and philanthropy. Jacob focuses his practice on education planning, family wealth management strategies, legacy planning, personal retirement planning, sports and entertainment, and tax minimization. Outside of his professional work, he enjoys baseball, basketball, boating, fishing, football, golfing, hunting, music, and spending time with his family.

Robert Benites is a Wealth Management Advisor at Merrill Lynch Wealth Management. He collaborates with families, business owners, and clients nearing retirement age to pursue financial goals and ensure the allocation of assets aligns with long-term success. Robert focuses on creating tailored strategies by first understanding each client's priorities and then defining a personalized approach using the tools available through Merrill Lynch. He has experience advising clients on life insurance and annuity needs, asset preservation strategies, estate planning, retirement planning, legacy planning, philanthropic planning, and managing new wealth. Robert supports a variety of client needs, including family wealth management, liquidity management, portfolio management, small business strategies, and sports and entertainment sectors. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). Robert earned a Bachelor's Degree from Florida International University. He speaks English and Spanish. Residing in Weston, Florida, Robert enjoys boating, soccer, tennis, and spending time with his wife Valerie and son Thomas. He is active in his church and participates in Lifework Leadership, part of the National Christian Foundation.

Mack Alexis is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and over 21 years of experience with the firm since 2005. 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 plans, corporations, and charitable organizations.

Stephen Constantine is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings four decades of experience to his role, focusing on providing long-term, consultative, and goals-based wealth management strategies. His client services include college education planning, family wealth management, retirement planning, portfolio management, tax minimization, and specialized areas such as socially responsible investing and special needs planning. Stephen holds a Bachelor's Degree from Florida Atlantic University and has earned professional designations including Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA). He is also a member of AHEPA Chapter 487. In addition to his professional pursuits, Stephen participates in community service through Habitat For Humanity in Palm Beach County. He enjoys billiards, golfing, and traveling in his personal time.

Gilda Gallardo is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 license and 17 years of industry experience. She has worked at Merrill since 2011, with a one-year tenure at Morgan Stanley in between. Outside of her advisory role, she is the owner of a specialty food online store and holds an active real estate broker license, though she does not pursue real estate as a primary business. 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, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jonathan Vasquez Pinto is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. His prior experience includes roles at Bank of America, MML Investors Services, MassMutual Life Insurance, and Mutual of Omaha. Outside of advising, he is involved with GMS Infinite, providing interpreting services for healthcare companies. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, and institutional investors.

Michael Cavallaro is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2015 and brings four years of experience in the financial services industry. Michael specializes in serving business owners, entrepreneurs, and families, focusing on their unique wealth management needs. He integrates corporate benefit programs such as equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans into long-term financial approaches for corporate executives. Michael holds a Bachelor's Degree from Florida State University and holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. He utilizes resources from Bank of America's banking and lending platform to develop holistic financial strategies tailored to each client's goals. His client focus areas include legacy planning, managing new wealth, personal retirement planning, and tax minimization. Outside of his professional work, Michael enjoys golfing, hiking, and skiing. He is fluent in both Spanish and English.