Joseph Palmesano is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been advising high-net-worth families and institutional clients since 2003. He leads a team managing over 120 client relationships and more than $900 million in client assets, focusing on retirement planning, defined contribution and benefit plan consulting, individual and corporate investment strategy, and wealth management for South Florida auto dealers and captive insurance trusts. Joe and his team emphasize developing wealth management strategies that align with clients’ complex financial goals, utilizing the analytical tools and resources available through Merrill Lynch to enhance investment outcomes. In 2025, Joe and his team were recognized on the Forbes Best-in-State Wealth Management Teams list. Before joining Merrill Lynch, Joe spent 14 years working in retirement plan consulting across the Washington, D.C., and South Florida markets, assisting business owners and executives with company retirement plan design and implementation. In 2010, he was selected by Bank of America leadership to support Commercial Bank clients with wealth management needs. Joe holds the Certified Investment Management Analyst® (CIMA®) designation, among other credentials, and is a member of the Investments & Wealth Institute™. He earned a Bachelor of Science degree from John Carroll University and completed his CIMA® education at the University of Chicago Booth School of Business. A native of Rochester, New York, Joe attended McQuaid Jesuit High School and now lives in Fort Lauderdale, Florida with his wife Michelle and their two sons. Outside of his professional work, Joe enjoys golfing, skiing, traveling, and is involved in community activities including supporting St Anthony's Friends for Education.

Julie Williamson Bresset is a financial advisor with Merrill in Fort Lauderdale, FL, holding Series 63 and Series 66 credentials and 21 years of industry experience. She has worked at Merrill since 2022 and previously at SunTrust Advisory Services from 2016 to 2022. Bresset serves on the boards of Junior Achievement of South Florida and CAN Community Health Care, organizations focused on financial literacy for youth and health care advocacy, respectively. 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 institutions.

Melinda Gambino is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 27 years of experience in the financial services industry, with nearly all of those years spent at Merrill. She specializes in providing financial investment guidance to multi-generational families, franchise owners, female business owners, recently widowed or divorced clients, and heirs. Her approach centers on a disciplined, comprehensive, and consultative process that aligns financial strategies with each client’s risk tolerance, time horizon, liquidity needs, and overall life goals. Melinda also assists charitable organizations and clients interested in socially responsible and Environmental, Social, and Governance (ESG) investing. Her expertise covers family wealth management, legacy planning, philanthropic planning, retirement income, portfolio management, and services tailored for endowments, foundations, and non-profits. Melinda holds the Personal Investment Advisor (PIA) designation and attended the University of Southern Mississippi. She emphasizes maintaining strong client relationships through accessibility, knowledge, and experience, always placing clients’ needs as a priority. In addition to her professional duties, Melinda is engaged in community involvement, volunteering with schools and nonprofit organizations to promote social responsibility. Her personal interests include antiquing, chess, cooking, drawing and sketching, football, gardening, knitting and crocheting, painting, spending time with family, and traveling.

Kristin Reyes is a Series 66 licensed financial advisor at Merrill with five years of industry experience. She has worked at Bank of America and Merrill since 2019 and previously spent eight years at AT&T. 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 plans, corporations, and charitable organizations.

Brian Ehrenberg is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and bringing 26 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006 and previously worked at Morgan Stanley from 2000 to 2006. 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 designed and managed by internal and third-party teams.

Susan Peets is a Senior Financial Advisor with over 20 years of experience in wealth management at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, tax minimization, and retirement income, helping clients create personalized financial strategies tailored to their unique goals and values. Susan holds the Personal Investment Advisor (PIA) designation and completed her high school education at Auburn High School. She emphasizes the importance of understanding clients' priorities through one-on-one conversations to develop flexible strategies that adapt to changing market conditions. In addition to her professional work, Susan is engaged in community activities through volunteering, reflecting her commitment to the Merrill tradition of service. Her personal interests include boating, music, running, spending time with family, traveling, and watching movies.

Andre Gonzalez is a financial advisor with Merrill, holding Series 63 and Series 66 designations and 13 years of industry experience. His prior work includes roles at Synovus Bank, Synovus Securities Inc., and Wells Fargo entities. Merrill, in partnership 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.

Jeanne Wolk is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and with 9 years of industry experience. She has been with Merrill since 1990, accumulating 36 years with the firm. Outside of her advisory role, she directs and teaches dance with the Sundanz Dancers and has served as a cheerleader director for the Fort Lauderdale Strikers. 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 institutions.

Curtis Kuramoto is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since 1994, he has advised high net worth individuals and corporate entities on wealth management strategies. Curtis earned his Certified Public Accountant (CPA) certification in 1984 and spent the majority of his public accounting career with the firm now known as PricewaterhouseCoopers. In 1990, he obtained his Certified Financial Planner (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc. Curtis holds a bachelor's degree from Florida State University. He does not provide tax advice in his current role. Curtis lives in South Florida with his wife and two children.

Brandon Dorsey is a financial advisor at Merrill with 14 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith since 2014. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Beauharnais is a Senior Financial Advisor with Merrill Lynch Wealth Management. He serves as a primary resource for clients on a range of financial matters, working closely with individuals, families, and business owners to implement informed financial decisions. His focus includes simplifying complex financial scenarios and aligning strategies with clients' specific plans. With over two decades of lending experience, Benjamin advises clients on optimizing liquidity and navigating lending strategies, including commercial and residential real estate transactions. His professional approach emphasizes clarity, communication, and thoughtful planning to support clients' financial objectives. Benjamin holds a bachelor's degree from Syracuse University, a master's degree from the University of Southern California, and a master's degree in Wealth Management from Columbia University. He also holds the Personal Investment Advisor (PIA) designation.

Eduardo Flores Vega is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his expertise in providing personalized investment guidance. Eduardo completed an Accredited Certificate Program at Colegio Rosa Bell, which contributes to his foundation in financial advisory services.

Eleanor Schnell is a Wealth Management Advisor with Merrill Lynch Wealth Management, providing comprehensive wealth management strategies tailored to individual client needs. She focuses on understanding clients' financial goals to create flexible strategies that address various aspects of their financial lives, leveraging investment insights from Merrill and banking solutions from Bank of America. Her expertise includes college education planning, family wealth management, legacy planning, retirement income, tax minimization, and portfolio management services, with particular attention to women and wealth and managing new wealth. Eleanor holds a Bachelor's Degree from Kean University and maintains professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Eleanor resides in Coral Springs with her husband and four children. She participates actively in her community, serving as a coach for the Coral Springs Basketball Club's recreational basketball program. Her personal interests include basketball, table tennis, spending time with her family, and watching movies.

Michelle Hampton Anderson is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1998. Outside of her advisory role, she works part-time assisting a veterinarian at Acacia Animal Hospital, performing duties such as lab work and surgery assistance. 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 a range of model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Julian Latimer IV is a financial advisor at Merrill with 21 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2004 and has been affiliated with Bank of America, N.A. since 2010. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Melanie Farmer is a financial advisor at Merrill with 27 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 2012. Based in Fort Lauderdale, FL, she serves clients through one of the largest institutions in the industry. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via 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.

Mark Ugartechea is a financial advisor at Merrill in Fort Lauderdale, FL, with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including NewBridge Securities Corporation and National Securities Corp. Outside of his advisory role, he is the owner and officer of Supreme Shop Store, an online business focused on order fulfillment and marketing. 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.

Penelope Blair is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009, having also worked at Bank of America, N.A. since 2005. Blair serves as a board member for the Second Chance Society and PACE Center for Girls of Broward, focusing on strategic planning, fundraising, and community support initiatives. 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.

Jason Edelmann is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2007. Outside of his advisory role, he serves as a board member for the Broward Center for the Performing Arts Foundation and the Greater Fort Lauderdale Alliance. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gerardo Rodriguez is a Financial Advisor with Merrill Lynch Wealth Management, based in the Ft. Lauderdale office. He joined Merrill Lynch in 2022 as a Wealth Management Client Associate of the Garland A. Rodriguez Group. Prior to this role, Gerardo began his career in 2020 with Ernst & Young, working within the Financial Services industry. Gerardo holds a Bachelor's degree in Commerce and Business Administration, majoring in Operations Management with a specialization in Supply Chain Management from The University of Alabama, completed in 2019. He is a Personal Investment Advisor (PIA) and provides expertise in areas including college education planning, family wealth management strategies, institutional investment consulting, international wealth management, liquidity management, new wealth management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Born and raised in Fort Lauderdale, Florida, Gerardo is bilingual in English and Spanish. Outside of his professional commitments, he enjoys golf, boating, fishing, and spending time with friends and family.