Craig Considine is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2010, alongside a 15-year tenure at Bank of America, N.A. Outside of his advisory role, he co-owns a rental property in Colorado Springs with family members. 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.

Penelope Salazar is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2015. 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.

Matthew Lebowski is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies tailored to clients’ unique financial goals and aspirations. His client focus areas include college education planning, corporate benefits, family wealth management strategies, legacy planning, personal retirement planning, tax minimization, and retirement income. Matthew and his team use a Proven 4-Step Process that involves assessing financial needs, building a custom plan through Personal Wealth Analysis™ software, implementing the strategy, and tracking progress to help clients pursue financial freedom. His team includes a CERTIFIED FINANCIAL PLANNER® professional and provides expertise in proprietary financial modeling tools, advanced tax mitigation strategies, access to pre-vetted investment opportunities, and philanthropic planning. He holds a Bachelor’s Degree from Colorado State University and the Personal Investment Advisor (PIA) designation. Matthew emphasizes understanding clients’ life priorities to deliver personalized advice beyond market considerations. Outside of his professional role, he participates in community volunteering and enjoys golfing, music, pickleball, skiing, and traveling.

Philip Nevins is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on developing personalized financial strategies tailored to individual client goals, utilizing investment insights from Merrill and banking and lending solutions from Bank of America. Philip holds a Bachelor's Degree from Syracuse University and has earned the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. He is committed to working closely with clients to help them pursue their long-term financial objectives. Additionally, he participates in community volunteering activities aligned with Merrill's tradition of community involvement.

Michael Mullen is a Wealth Management Advisor and a CERTIFIED FINANCIAL PLANNER® professional with Merrill Lynch Wealth Management. He co-founded the Mullen Group in Greenwood Village, providing leadership and advice to high-net-worth individuals and families. Michael's work focuses on helping clients deploy their wealth strategically and meaningfully, with expertise in retirement planning, concentrated and restricted stock strategies, pre- and post-liquidity event planning, trust and estate planning, risk mitigation, and tailored portfolio management. He holds a Bachelor's Degree from the University of Northern Colorado and maintains professional credentials as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Michael is also associated with the Certified Financial Planner Board of Standards, Inc. His client focus areas include college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Michael's personal interests include basketball, camping, cooking, football, golfing, hiking, spending time with family, traveling, watching movies, and yoga. He is involved in several community organizations, including the ASPIRE Foundation of Colorado, National Brain Tumor Society, Colorado Make A Wish, and the Children's Diabetes Foundation.

James Mccabe is a financial advisor at Merrill with 33 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Merrill since 1996 and Bank of America since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for fiduciary clients. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a combination of model-based and discretionary investment strategies.

Alexander Frank is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, and portfolio management services. Alex focuses on helping individuals, families, and business owners connect their financial resources to the life they want to build. Alex graduated from Virginia Polytechnic Institute & State University in 2014 and began his career with Merrill the same year. Over his career, he has worked directly with clients in branch offices, supported advisors in a home office capacity, and partnered with advisors across the United States. He holds the Personal Investment Advisor (PIA) designation and is affiliated with the American Institute of Architects (AIA). Based in Colorado, Alex enjoys adventure sports including camping, fishing, golfing, hiking, pickleball, skiing, and swimming. His professional philosophy centers on using finances as a foundational tool to create freedom, opportunity, and fulfillment, rather than as an end in itself.

Jared Beke is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2016, alongside a tenure at Merrill starting in 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 offers model-based and discretionary strategies managed by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Carrie Natonek is a Series 66-licensed financial advisor with Merrill in Greenwood Village, CO, where she has worked since 2011. She has 15 years of industry experience. 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.

Thomas Rauchut is a financial advisor at Merrill with a Series 66 designation. He joined Merrill and Bank of America in 2026 and has prior experience at Logan, Thomas & Johnson LLC as well as various other positions. 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.

Adam Mauro is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on clear communication, an open door policy, and goal-based financial planning to assist clients in managing their financial lives effectively. Adam specializes in working with younger professionals, families, and entrepreneurs who are in the process of building wealth. His expertise includes college education planning, divorce transition planning, family wealth management strategies, institutional and corporate benefit services, legacy planning, and retirement income. He also helps individuals and families prepare for and transition into retirement by creating coordinated strategies for investments, income needs, and long-term goals. For small business owners, Adam takes a comprehensive approach by addressing both business and personal wealth aspects. He holds a Bachelor's Degree and a Master's Degree from the University of Colorado System. Adam has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Outside of his professional role, he has personal interests in baseball, basketball, chess, football, music, softball, swimming, writing, and yoga.

Chase Pfister is a Financial Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial goals and develop strategies that address a range of needs including investing, retirement planning, and managing new wealth. He also provides access to specialists in banking, credit, home financing, and small business solutions offered through Bank of America. Chase's expertise covers areas such as executive compensation, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Personal Investment Advisor (PIA) designation and has earned a Bachelor's Degree from Miami University. Outside of his professional work, Chase enjoys adventure sports, camping, cooking, fishing, football, golfing, hiking, hunting, skiing, and spending time with his family. His approach centers on helping clients uncover what matters to them and their families to create strategies to pursue their financial goals.

Annette Forney is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 1999 and Bank of America, N.A. since 2018. 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 to individuals, high-net-worth clients, and various institutional investors.

Janet Curzon is a Series 66 licensed financial advisor at Merrill with 19 years of industry experience. She has been with Merrill since 2003. 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 using model-based and discretionary investment strategies developed by internal and third-party managers.

Jarod Matlock is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in assisting business owners, retirees, and families in navigating sudden wealth events such as business sales, inheritances, concentrated stock positions, or the activation of retirement assets. His approach involves helping clients develop clear and lasting financial plans by analyzing the various factors involved and discussing tradeoffs honestly and methodically. Mr. Matlock utilizes his engineering background to provide a straightforward and analytical perspective, enabling him to lay out complex financial components and maintain clarity throughout the decision-making process. His areas of expertise include LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. He holds a Bachelor's Degree from Murray State University and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He is a member of the Murray State Alumni Association. Outside of his professional duties, Mr. Matlock enjoys chess, gardening, reading, and writing.

John Zoda Jr. is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America and Merrill since 2015. He serves as Alumni Outreach Director and board member for the Seminoles Club of the Rockies, a charitable organization connecting Florida State University alumni. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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 institutions, with a range of asset allocation and tax-aware approaches.

Charles Wagner is a Series 66-licensed financial advisor with Merrill in Greenwood Village, CO. He joined Merrill in 2026 and has prior work experience in various roles including positions at Whole Foods, KeyBank, and the University of Arkansas. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional investors.

Benjamin Garneau is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Englewood, Colorado. He serves both individual clients and small businesses, focusing on areas such as divorce transition planning, family wealth management strategies, individual and corporate investment strategy, as well as services for endowments, foundations, and non-profits. His professional role includes providing personalized wealth management strategies and access to investment insights from Merrill alongside banking and lending solutions through Bank of America, N.A. With experience dating back to 1993 at Merrill Lynch Wealth Management, Benjamin has over three decades of expertise in financial strategy, retirement planning, investments, business lending, and cash management. Prior to joining Merrill, he spent 19 years in the commercial banking sector, holding senior roles including Senior Vice President at multiple regional banks. Benjamin holds a Bachelor's Degree from Northwestern University and a Master of Business Administration (MBA) from the University of Detroit. He has earned professional designations such as Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, Benjamin dedicates time to volunteering in his community and enjoys football, gardening, reading, running, and spending time with his family.

Gwendolyn Boland is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. Before joining Merrill and Bank of America in 2025, she worked in education for over a decade and was involved with Crater Hill Equestrian. 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 both model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Emily Schmidt is a Wealth Management Advisor at Merrill Lynch Wealth Management. She focuses on a planning-based approach, beginning with a thorough discussion of the client's goals and objectives to develop personalized financial strategies. Her professional work includes areas such as legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Emily holds a Master's Degree from Hahnemann University Graduate School and a Bachelor's Degree from Muhlenberg College. She has earned the professional designations of Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In line with Merrill's tradition, Emily participates in community service through volunteering. Outside of her professional activities, she enjoys gardening, horseback riding, photography, and skiing.