Steven Scher is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1999 and joined Merrill Lynch in 2012 from Morgan Stanley. Steven specializes in providing customized wealth management plans tailored to clients' individual financial needs, objectives, and risk tolerance. His approach encompasses investment and risk management strategies, retirement income planning, trust and estate services, as well as charitable and legacy planning. He leverages the resources of Merrill Lynch and Bank of America to support his clients' financial goals. Steven is a graduate of Baruch College with a Bachelor of Business Administration degree in Marketing. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His group focuses on delivering tailored, goals-based advice and guidance that go beyond investing to address clients' specific needs. Steven lives in Merrick, New York with his wife and three children. He values family time and dedicates time to volunteering with community organizations. His personal philosophy emphasizes developing personalized financial strategies that consider risk tolerance, time horizon, and liquidity requirements.

James Gallego is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized, goals-based wealth management plans that aim to facilitate achieving their financial objectives while providing financial confidence. His approach involves understanding each client's full financial picture and creating flexible strategies tailored to their long-term goals. James holds a Bachelor's Degree from Brockport College and a Master of Business Administration (MBA) from Columbia Business School. He is a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). He is also a member of the Economic Honor Society Omicron Delta Epsilon. In addition to his professional work, James participates in community activities, including involvement with the Bethpage Chamber of Commerce. His personal interests include golfing, spending time with his family, and writing.

Julia Battaglia is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been in the financial services industry since 1996 and joined Merrill in 2011. Julia focuses on helping clients develop financial strategies tailored to their needs, including retirement planning, business solutions, and legacy planning. Her approach centers on understanding clients' short- and long-term financial objectives to provide personalized guidance. With over 25 years of experience, Julia has developed expertise in areas such as investment planning, risk management, retirement income strategies, tax-efficient wealth transfer, college education planning, liquidity management, and managing new wealth. She works with individuals, families, and business owners to help them make informed financial decisions. Julia holds the Personal Investment Advisor (PIA) designation and communicates fluently in English and Italian. Julia attended Hofstra University and received her high school diploma from John Adams High School. Beyond her professional work, she serves as Co-President of the Long Island Women's Exchange. Her personal interests include cooking, gardening, scuba diving, and traveling.

Walter Josiah is a financial advisor with Merrill, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He has been with Merrill since 2017 and is also associated with Bank of America, N.A. since 2018. 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 supported by internal and third-party managers.

Emanuel Alyaszadeh Cohen is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. Cohen focuses on areas including education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, and tax minimization. Prior to his current role, Cohen worked nearly five years as an Equity Derivatives Broker at BGC Group, where he worked with institutional clients and executed complex options orders. He leverages this experience to assist clients in identifying opportunities and making informed financial decisions. Cohen holds the Personal Investment Advisor (PIA) designation and earned a degree in Finance from Baruch College. Outside of his professional work, Cohen has interests in adventure sports, football, pickleball, running, and spending time with his family. He is proficient in English, Farsi, and Hebrew.

Raffaele Degruttola is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in wealth management planning and corporate retirement services. Since becoming a financial advisor in 2004, he has focused on providing tailored financial plans that align with clients' financial needs, objectives, and risk tolerance. Before entering the financial industry, Raffaele was a teacher, a background that enhances his ability to clearly explain financial concepts to plan administrators and participants. He holds multiple professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA®), Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Personal Investment Advisor (PIA), and is recognized as a Retirement Benefits Consultant (RBC). These credentials support his expertise in assisting corporate retirement plans with investment management, employee education, and ERISA fiduciary responsibilities. Raffaele earned his Bachelor of Arts degree from the University of Colorado and currently lives in Nassau County with his wife and two daughters.

Graham Wolfram is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he works with successful individuals and their families to build, manage, preserve, and transition their wealth. Graham draws on the extensive resources available within Merrill Lynch, including leading analysts, proven money managers, and respected independent industry publications, to assist clients in making informed financial decisions. With 16 years of experience, Graham offers expertise in retirement planning, option strategies, fixed income analysis, and estate planning strategies. He also provides support for clients' insurance needs and access to lending services through Merrill Lynch affiliates. Prior to joining Merrill Lynch in 2018, he spent seven years focused on preserving and growing high net worth investments at another leading firm. Graham holds a bachelor's degree from the University of Kentucky in Animal Science with a minor in Economics and has earned the Personal Investment Advisor (PIA) designation. Graham resides in Port Washington, New York. He enjoys walking along the North Shore with his dog, attending sporting events, traveling upstate, and engaging in activities such as baseball, chess, football, and reading. He is also committed to community involvement through volunteering with local organizations.

Harold Williams is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his investment career with Merrill Lynch in 1983 and brings more than 40 years of experience with the firm to client relationships. His focus areas include suggesting strategies for investing, legacy and retirement income planning, and managing liabilities. Harold can recommend asset allocation strategies to help individuals, families, and business clients manage risks and preserve assets. Harold holds a bachelor's degree in economics from Brooklyn College and earned a master's degree in business administration with a concentration in finance from Adelphi University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He has been involved with advisory networks such as the Merrill Lynch Advisor Growth Network and the Merrill Lynch Black/African American Leadership Council. Outside of his professional work, Harold has a range of personal interests including baseball, basketball, football, golfing, hiking, music, photography, tennis, traveling, and spending time with his family.

Francesco Caiazzo is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in creating goals-based financial plans that adapt to each client's life stage and priorities, focusing on areas such as retirement readiness, tax-efficient investing, education planning, and legacy strategies. Since joining Merrill in 2019, Francesco has dedicated his career to helping clients navigate the complexities of financial planning with a disciplined, planning-first approach. He holds a Bachelor's Degree from Molloy College and is a CERTIFIED FINANCIAL PLANNER (CFP) and Certified Private Wealth Advisor (CPWA). Francesco emphasizes clarity, confidence, and control in his tailored financial roadmaps, working closely with clients to achieve their long-term goals. Francesco resides in Garden City South and enjoys spending quality time with his family, watching sports, and traveling. He is pursuing a personal goal to visit every NFL stadium, combining commitment, flexibility, and enjoyment much like the financial plans he develops for his clients.

Erin O'Grady is a financial advisor at Merrill with 26 years of industry experience and holds a Series 63 designation. She has been with Merrill since 2010. Outside of her advisory role, she is involved part-time with Melaleuca, a company focused on consumer direct purchasing of environmentally safe products. 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 individuals, high-net-worth clients, and institutional investors.

W May is a Wealth Management Advisor at Merrill Lynch Wealth Management with over four decades of experience in the financial services industry. Leading a large team, W May specializes in creating customized financial strategies for high-net-worth individuals and their families. Their approach emphasizes simplicity and transparency, focusing on personalized wealth management that centers on the investor rather than market fluctuations. Key client focus areas include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. W May holds a Bachelor's Degree from Providence College and a Master's Degree from Adelphi University. They carry the designation of Personal Investment Advisor (PIA). Outside of their professional work, W May is a dedicated runner who has completed 14 marathons and run over 100,000 miles. Residing in Matinecock, NY, they enjoy basketball, swimming, and spending time with family and friends. W May is also engaged in community activities related to the Leukemia & Lymphoma Society and Girls Youth Basketball.

Olatunbosun Jose is a Financial Advisor with Merrill Lynch Wealth Management. He brings two decades of experience in the financial services industry, focusing on helping clients pursue their financial goals through personalized wealth management strategies. His areas of expertise include family wealth management, legacy planning, retirement income, portfolio management, small business strategies, tax minimization, and both individual and corporate investment strategies. Olatunbosun is also a Chartered Retirement Planning Counselor™ and a Personal Investment Advisor. He holds a high school diploma from Brooklyn Technical High School and attended Polytechnic University of New York without a degree conferred. Olatunbosun is committed to building strong relationships with his clients and supports their financial decisions with knowledge and accessible advice. Outside of his professional role, he volunteers with organizations in the community, including America Needs You, where he mentors young professionals and advocates for financial literacy programs in the public and charter school system. In his personal time, Olatunbosun enjoys a variety of activities such as basketball, biking, chess, football, golfing, hiking, reading, running, swimming, and tennis. He also values spending time vacationing with his family.

Anthony Russo is a financial advisor with Merrill in Garden City, NY, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has worked at Merrill since 2008 and is also associated with Bank of America, NA since 2009. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients through managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes manager selection and tax-efficient strategies while leveraging its affiliation with Bank of America to support trading, lending, and capital markets activities.

Timothy Tasso is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in providing financial services to elite athletes and entertainers, families, retirees, corporate executives, business owners, professionals, and telecommunications workers in New York transitioning into retirement. His team also focuses on assisting special needs families, particularly those affected by autism, drawing from his personal experience as a father of a young special needs child. Timothy began his financial services career in 1999 trading equities on Wall Street before joining Merrill Lynch Wealth Management. He holds a Bachelor's Degree in Sports and Exercise Science from Wake Forest University and has earned the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. His approach includes multigenerational planning and a service model emphasizing regular contact and customized financial plans to help clients prioritize and pursue their financial goals. In his personal time, Timothy enjoys spending time with his family, gardening, working out, staying active outdoors, and engaging in activities related to permaculture.

Rosemarie Alvaro is a financial advisor with Merrill in Garden City, NY, holding a Series 66 designation and 18 years of industry experience. She worked at Merrill from 2008 to 2009 and returned in 2012, having also spent two years at Morgan Stanley. Outside of her advisory role, she serves as a trustee and holds power of attorney for family-related fiduciary responsibilities. 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, and institutional investors.

John Scala is a financial advisor with Merrill in Garden City, NY, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with Merrill since 1988 and has also worked at Bank of America since 2009. Outside of his advisory role, he operates a sole proprietorship selling his own photographs. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional clients.

Maylan Studart Anders is a Wealth Management Advisor at Merrill Lynch Wealth Management. She focuses on serving the wealth management needs of current and former professional athletes, high net-worth families and individuals, small businesses, and retirees. Maylan combines her professional experience with Merrill's wealth management platform to help clients navigate their finances with an emphasis on asset preservation, consistent growth, and tax efficiency. Prior to joining Merrill Lynch, Maylan worked as a financial journalist for outlets including Yahoo Finance, Modern Wall Street, and TheStreet. She also had a nine-year career as a professional jockey. This diverse background informs her approach to financial planning, enabling her to guide clients through significant life transitions such as retirement and career pivots. She works closely with clients' teams of attorneys, accountants, and other advisors to coordinate financial and legacy planning strategies. Maylan holds several professional designations including Accredited Estate Planner (AEP), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned a Bachelor of Fine Arts in Global and Electronic Journalism from New York Institute of Technology and a Master of Science in Finance from the University of Massachusetts. She is fluent in English, Portuguese, and Spanish. Maylan is involved in community organizations such as Camp HorseAbility, Muscular Dystrophy Association, and Ronald McDonald House.

Thomas Mccormack is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2011. 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 both model-based and discretionary investment strategies managed by internal Chief Investment Office teams and third-party style managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Nero is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1996 and joined Merrill Lynch in 2015 following a successful career at Bank of America where he worked in various divisions including retail, small business, and global banking. Robert specializes in portfolio construction, retirement income planning, and financial management with a focus on both sides of a client’s balance sheet. He works closely with clients to develop individualized strategies aimed at achieving their short- and long-term objectives. Robert holds a bachelor’s degree in English and American literature from Tufts University and holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. His client focus areas include college education planning, family wealth management, legacy planning, socially responsible investing, and services tailored for women investors and medical professionals. He values clear communication, deep understanding of client needs, and accessibility in his advisory role. Outside of his professional work, Robert lives in Huntington Village with his wife, Davina. He is involved in his community through volunteering with organizations such as the New York Blood Center and New York Cares and is a member of the Huntington Chamber of Commerce. His personal interests include music, photography, reading, tennis, traveling, watching movies, and yoga.

Nicholas Curmi is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at Binghamton University and 2ndlife Batteries. 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.