Ryan Berns is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in providing financial advice and education to empower professionals, focusing on areas such as corporate executive services, family wealth management, endowments and non-profits, legacy planning, retirement planning, socially responsible and values-based investing, special needs planning, investment strategy, tax minimization, and retirement income. Ryan holds multiple professional designations, including Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree in Finance from Arizona State University’s W. P. Carey School of Business and Barrett, the Honors College, and a master's degree in Personal Financial Planning from the College for Financial Planning. During his time at ASU, he was actively involved in the Men's lacrosse team, serving as Captain and Vice President. Outside of his professional role, Ryan is engaged in community activities, including serving as the Palo Verde Division Director for District 3 Toastmasters and coaching youth lacrosse teams such as AZ Hot Sauce, Ahwatukee Lightning, and Scottsdale United. He founded the Lacrosse Leadership Institute to help develop the skills of young players. Ryan enjoys spending time with his family, participating in golf, tennis, biking, cooking, hiking, running marathons, swimming, traveling, and practicing yoga.

Monica Ely is a financial advisor at Merrill with 42 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 1991, concurrently with a role at Bank of America since 2009. 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 developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brittany Miller is a financial advisor at Merrill with 18 years at the firm and 7 years of industry experience. She holds a Series 66 license and is based in Gilbert, Arizona. Outside of her advisory role, she is the sole owner of a rental property in San Tan Valley, Arizona. 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.

David Stahle Jr. is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2017. Outside of his advisory role, he serves as a Stake Assistant Clerk over Finance and Technology for the Church of Jesus Christ of Latter Day Saints, where he assists with budgeting and financial tracking. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients, offering a range of managed account programs, manager selection, and discretionary portfolio management. The firm is notable for its integration with Bank of America affiliates and emphasis on tax-efficient investment strategies.

Robert Decaro is a Wealth Management Advisor and managing partner of the Gunter Hamilton DeCaro Wealth Management Group at Merrill Lynch Wealth Management. In his role, he provides thoughtful advice and guidance to clients aimed at achieving their financial goals, combining his experience as an advisor and portfolio manager. Robert joined Merrill Lynch in 2008 after 13 years at Bank of America, where he provided lending and cash management solutions to retail and wealth management clients. Robert holds a Bachelor's degree in Accounting from California State University, Long Beach, and maintains several professional designations including CERTIFIED FINANCIAL PLANNER® professional, CERTIFIED PLAN FIDUCIARY ADVISOR®, Personal Investment Advisor, and Retirement Accredited Financial Advisor. He has also completed the Merrill Longevity Training Program through the Davis School of Gerontology at the University of Southern California. As a portfolio manager, Robert manages personalized and defined investment strategies for clients. Outside of his professional work, Robert is involved with organizations such as Feed My Starving Children and Ronald McDonald House. He enjoys spending time with his family, including traveling with his wife and two children, as well as participating in activities like baseball, bowling, camping, football, gardening, soccer, swimming, and woodworking.

Nicholas Paige is a Financial Advisor based in Arizona, affiliated with Merrill Lynch Wealth Management. He collaborates with clients nationwide to provide personalized wealth management, tax-aware strategies, cash flow planning, lending solutions, retirement planning, business transitions, liquidity events, and legacy planning. Nicholas works with families, business owners, and professionals, including attorneys, healthcare professionals, and business owners, guiding them through the financial complexities associated with their careers and wealth. Nicholas earned a Bachelor of Science in Business Administration with a concentration in Economics from Liberty University. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). Prior to his advisory role, he founded and operated a business consulting firm supporting small businesses and law firms. Originally from Arizona, Nicholas lived in several European countries pursuing a professional soccer career, experiences that contributed to his approach in building strong client relationships. Outside of work, he enjoys golfing, hiking, running, playing soccer, and spending time with his family.

Corey Young is a Financial Advisor with Merrill Lynch Wealth Management. Originally from Chicago, Illinois, he has nearly 10 years of experience in investing, personal growth, and financial planning. Corey is focused on helping individuals and families navigate financial decisions related to education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor's degree in Psychology from Bowling Green State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Corey's approach to financial advising centers on understanding clients' goals, values, and priorities to build customized financial plans that help them achieve their objectives. Outside of his professional role, Corey is a husband and father of two children. He enjoys spending time with his family, traveling, working out, trying new experiences, playing video games, and pursuing personal growth in various areas including spiritual, physical, and mental development.

Britton Larson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2013 and holds professional designations including Certified Financial Planner (CFP) and Certified Investment Management Analyst (CIMA). Britton works primarily with dynamic and highly successful families, focusing on investment management and assisting clients through critical life transitions that have long-lasting financial impacts. Before his current role, Britton began his career as a Certified Public Accountant, specializing in tax planning and preparation for businesses and individuals. He holds a Bachelor's Degree in Accountancy and a Master's Degree in Taxation from Arizona State University. While Britton does not provide tax advice in his current position, his background influences his approach to financial planning, emphasizing tax efficiency. Outside of work, Britton enjoys spending time with his wife and four children, engaging in activities such as gardening, camping, hiking, and scuba diving. He is also involved in his community as a youth mentor at The Church of Jesus Christ of Latter-Day Saints.

Chase Anderson is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on developing personalized wealth management strategies tailored to the individual and family goals of his clients. Chase provides guidance in areas including executive compensation, family wealth management, legacy planning, managing new wealth, personal retirement planning, small business strategies, sports and entertainment, individual and corporate investment strategies, and tax minimization. He integrates investment insights from Merrill with banking and lending solutions available through Bank of America. Chase holds a Bachelor's Degree from Arizona State University and professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He emphasizes a client-first approach, taking the time to uncover what matters most to each client in order to create strategies that pursue their short-, mid-, and long-term financial goals. His work includes providing ongoing advice and access to specialists for banking, credit, home financing, and small business solutions. Outside of his professional role, Chase enjoys adventure sports such as baseball, boxing, football, hiking, pickleball, surfing, and swimming. His personal philosophy centers on helping clients identify what is important to them and their families to effectively pursue their financial objectives.

Christopher Downs is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services business since 1993 and joined Merrill Lynch in 1999. In 2006, he accepted the position of Resident Director of the Mesa, Arizona office. He specializes in corporate executive services, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, special needs planning strategies, tax minimization, and retirement income. Christopher holds the Chartered Retirement Planning Counselor™ (CRPC™) designation awarded by The College for Financial Planning Institutes Corp, the Certified Exit Planning Advisor (CEPA®) designation from the Exit Planning Institute, and the Personal Investment Advisor (PIA) designation. He earned his Bachelor's Degree from the University of Missouri System. Christopher participates in community service and volunteers with organizations such as Feed My Starving Children and Rotary. His personal interests include adventure sports, football, and spending time with his family.

Martin Midgley is a financial advisor with Merrill in Gilbert, AZ, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Merrill since 2009 and has been associated with Bank of America, N.A. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Drew Keilen is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in comprehensive financial planning and investment management. With over 20 years of industry experience, he takes a full balance sheet approach to help clients through significant life transitions such as retirement, business sales, and real estate acquisitions. His role involves identifying unique client goals, developing tailored strategies, and coordinating a team of specialists to implement these plans effectively. Drew holds a Bachelor's Degree and a Master of Business Administration (MBA) from Arizona State University. He has earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). His expertise encompasses areas such as college education planning, executive compensation, family wealth management strategies, liquidity management, personal retirement planning, and tax minimization. Living in the East Valley with his wife and two sons, Drew enjoys coaching youth sports, fitness, fishing, and traveling with his family. He has also been involved in community activities, serving as a board member for the Cancer Support Community in Arizona from 2013 to 2016 and participating in East Valley Baseball.

Nathan Montague is a Financial Advisor with Merrill Lynch Wealth Management. In this role, he works with clients to develop personalized investment strategies that align with their financial goals, providing investing advice as well as access to Bank of America for banking and lending needs. His client focus areas include family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. Montague holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned his Bachelor's Degree from Brigham Young University. Montague speaks English and Tagalog (Filipino). Outside of his professional work, his personal interests include baseball, camping, football, and golfing.

Ralph Gehring is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1983 and holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation, awarded by the Certified Financial Planner Board of Standards, Inc. Prior to joining Merrill Lynch in 1996, he spent 20 years in commercial banking and financial planning. During his banking career, he approved and helped underwrite consumer and commercial financial facilities such as lines of credit, consumer loans, and commercial loans. At Merrill Lynch, Ralph focuses on a range of services including Business Financial Services, Personal Financial Services, Personal Investments, Estate Planning Services, Risk Management, Portfolio Management, Asset Preservation Techniques, and Tax Minimization. He helps clients identify and prioritize their financial goals and provides strategies to grow, preserve, and distribute their wealth. His experience covers investments, debt management, ongoing advice, and follow-up to address various aspects of clients' financial lives. Ralph earned his Bachelor of Science degree in Finance from Arizona State University. He resides in Chandler, Arizona, with his wife LaVonna. He participates in community service projects when available.

Kyle Hiatt is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies that align with their individual goals, providing access to Merrill Lynch's investment insights as well as banking and lending solutions through Bank of America. His focus is on assisting families, retirees, corporate executives, business owners, and medical professionals in managing their financial affairs. Kyle holds a Bachelor's degree in Finance from Arizona State University and holds the Personal Investment Advisor (PIA) designation. He emphasizes the importance of understanding his clients' needs and objectives to deliver tailored wealth management strategies. Committed to community involvement, Kyle participates in volunteer activities with local organizations. He enjoys spending time with his wife Lilli and their four children, engaging in family-related activities.

David Stahle is a financial advisor with Merrill in Gilbert, AZ, holding Series 63 and Series 65 licenses and possessing 38 years of industry experience. He has worked at Merrill since 1988 and has concurrently been affiliated with Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a ward bishop for The Church of Jesus Christ of Latter-day Saints. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm emphasizes manager selection and monitoring with tax-focused investment capabilities and benefits from integration with Bank of America’s broader banking and capital markets platform.

Kieron Flint serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. With 24 years of experience in the financial services industry, he assists individuals, families, and small businesses in establishing and implementing wealth plans aimed at achieving both short-term and long-term financial goals. Prior to his current role, Kieron spent fifteen years as an investment consultant with MFS Investment Management before joining Merrill Lynch Wealth Management and the Schneck & Flint Wealth Management Group in 2017. His expertise includes pre-retirement accumulation, retirement income distribution strategies, estate planning, and wealth transfer discussions. He focuses on various client areas such as college education planning, corporate retirement plan services, divorce transition planning, and portfolio management services. Kieron holds a Bachelor's degree in Business Administration from Villanova University. He has earned professional designations including Certified Investment Management Analyst (CIMA) from the Wharton School of Business through the Investments & Wealth Institute, CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Active in his community, Kieron is a member of the Fiesta Bowl Committee, contributing to fundraising efforts and event hosting for local charities. He resides in Ahwatukee with his two sons.

Craig Bottolfson serves as a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, where he has been advising clients since 2004. He works closely with individuals and families, providing guidance on wealth management and retirement planning strategies. His areas of expertise include college education planning, divorce transition planning, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management, small business strategies, women and wealth, tax minimization, and retirement income. Craig holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Investment Management Analyst® (CIMA®), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA). He earned his bachelor's degree from the W.A. Franke College of Business at Northern Arizona University in Flagstaff. He was recognized on the Forbes “Best-in-State Wealth Advisors” list in February 2021. Craig is based in Arizona and is involved with his family and community through Mission Community Church in Gilbert. Outside of work, he enjoys biking, camping, hiking, reading, skiing, watching movies, and spending time outdoors with his wife and four children.

Parker Lindhorst is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals and families to create personalized wealth management strategies tailored to their goals and priorities. His approach focuses on building long-term relationships through trust, communication, and a deep understanding of each client's unique financial situation. He provides guidance to help clients navigate important financial decisions while maintaining focus on their long-term objectives. Parker's expertise encompasses assisting clients with a variety of financial priorities, including investing, retirement planning, and managing competing demands such as home buying, college savings, and healthcare needs. As a Merrill Financial Advisor, he works one-on-one with clients to define their financial goals and develop portfolio strategies designed to achieve them, offering ongoing advice and adapting strategies as clients' situations change. He holds a Bachelor's Degree from Brigham Young University and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional work, Parker has interests in chess, golfing, and running.

Eric Schneck is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their priorities and develop strategies that address their short-, mid-, and long-term financial goals. His approach includes providing ongoing advice and adapting portfolios as clients' circumstances evolve. His expertise covers a range of areas including college education planning, family wealth management strategies, institutional investment consulting, legacy planning, liquidity management, managing new wealth, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Eric holds a Bachelor's Degree from Arizona State University and holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional role, he has personal interests in baseball, basketball, fishing, golfing, scuba diving, and spending time with his family.