Ryu Yi serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their current financial situations and introduces them to solutions available through Merrill and Bank of America. He aims to empower clients with knowledge and tools to manage their financial lives effectively. Ryu Yi holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rice University.

Faheem Khwaja is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in integrating various aspects of clients' financial lives to help them achieve significant goals including retirement planning, investment consulting, and exit strategies for business owners. Faheem focuses on building trust and utilizes advanced wealth planning tools tailored to his clients' risk tolerance and financial objectives. He holds multiple professional certifications including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), and Chartered Retirement Plans Specialist (CRPS). Faheem earned an Associate's Degree from Adamajee Government Science College. His expertise extends to serving diverse clients, including business owners, and aligning financial plans with their unique needs. Born in Pakistan and residing in Houston for over three decades, Faheem is engaged in community service through volunteering with organizations addressing necessities such as food, medicine, clean water, and education. He communicates with clients in English and Urdu and emphasizes active listening, confidentiality, and privacy in his client relationships.

Jeffrey Stubbs is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been working in finance and wealth management since 1999 and has served as a wealth advisor with Merrill Lynch Wealth Management for over 18 years. Jeff focuses on providing wealth management strategies alongside his financial team, assisting affluent clients with concerns such as preserving wealth, mitigating taxes, caring for loved ones, asset preservation, and charitable giving. Jeff's expertise encompasses executive compensation, equity compensation services, family wealth management strategies, services for defined benefit plans, legacy planning, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He and his team utilize a consultative process to understand clients' values and goals, delivering customized recommendations beyond investments. His team collaborates with all lines of business at Bank of America banking services and Merrill Lynch Wealth Management. Jeff earned a Bachelor of Science degree with a minor in Business Administration from the University of Houston and has completed Rice Universitys Certified Financial Planning Program. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, Jeff is involved with the Spring Branch Memorial Sports Association.

Chioma Peter is a Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management strategies tailored to individual and family financial goals. She focuses on a wide range of client needs including college education planning, family wealth management, defined benefit plans, liquidity management, retirement planning, tax minimization, and investment strategies for both individuals and corporations. Chioma supports clients through access to Merrill's investment insights alongside the banking and lending solutions provided by Bank of America. Chioma’s professional mission is to provide financial guidance and investment management services that foster financial confidence for individuals, families, and small business owners. With extensive experience serving retail, small business, and high-net-worth clients, she applies her expertise to develop strategies in investment, retirement, education, and risk management. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations and has cultivated strong interpersonal skills working with diverse multicultural backgrounds. Her academic credentials include a Bachelor’s Degree from Obafemi Awolowo University and a Master of Business Administration (MBA) from the University of Lagos. Outside of her professional work, Chioma enjoys chess, interior decorating, music, reading, singing, and spending time with her family.

Thomas Gardner is a Wealth Management Advisor and First Vice President with The RG Group at Merrill Lynch Wealth Management. Since beginning his career in 1999, he has focused on providing personalized financial guidance and counsel to a select group of families. In 2015, he co-founded The RG Group to enhance client service by connecting clients to a team of experienced financial advisors and dedicated support professionals, offering access to the resources and strategies of Merrill, Bank of America, and Bank of America Private Bank. Gardner’s expertise includes family wealth management strategies, endowments and foundations services, legacy planning, retirement and philanthropic planning, portfolio management, investment strategy, tax minimization, and retirement income. He is a CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from the University of Mississippi. Outside of his professional work, Gardner participates in community organizations such as Houston Livestock Show & Rodeo, Knights of Columbus, St. Cecilia’s Catholic Church, and Trinity Classical School. He also volunteers as a Sunday School teacher and coaches i9 Volleyball. His personal interests include gardening, hiking, hunting, reading, scuba diving, skiing, tennis, traveling, and spending time with his family.

Michael Roma is a Senior Financial Advisor at Merrill Lynch Wealth Management and leads The RG Group. He draws on over 30 years of experience managing portfolios on both private and public sides, as well as his prior roles as a CFO and CEO in corporate investing and partnerships. Michael works closely with clients to develop personalized financial strategies that align with their long-term goals, emphasizing clear and jargon-free communication throughout the strategy and implementation process. His expertise includes family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. Michael utilizes an interactive engagement approach to build deep, long-term relationships and tailor investment portfolios that complement clients' personal and family lives. He also advises business owners on cash management, employee retirement benefits, partnership matters, and succession planning. Michael holds a Bachelor's Degree from St. John's University and carries professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He served as President of Business Network International from 2022 to 2023 and participates in community organizations such as the Alzheimer's Association of Houston, Star of Hope, Vita Living, and the Women's Resource Group of Houston.

Scott Martin is a financial advisor with Merrill based in Houston, TX. He holds Series 63 and Series 65 licenses and has 28 years of industry experience. His work history includes roles at Bank of America, N.A. since 2011 and at Merrill 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. The firm offers a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Douglass is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial services career in 1994 and specializes in helping clients build wealth management strategies tailored to their individual needs. His approach involves listening carefully and assisting clients in making informed decisions as they develop their financial plans. Michael holds several professional designations, including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a High School Diploma from Klein High School and attended Stephen F. Austin State University without completing a degree.

Robb Scott serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on helping high net-worth individuals and families develop personalized wealth management strategies aimed at achieving their long-term financial goals. Robb leverages the investment resources of Merrill and the banking solutions of Bank of America to create flexible strategies that address the diverse components of clients’ financial lives. Robb's expertise includes wealth management planning, portfolio management for businesses, institutional clients, individuals, and small businesses. His advisory services cover areas such as college education planning, family wealth management, legacy planning, personal retirement planning, small business strategies, and retirement income. He holds the professional designations of Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Robb earned his High School Diploma from Katy High School. Outside of his professional responsibilities, he participates in community volunteer activities and enjoys a variety of personal interests including biking, boating, hunting, music, scuba diving, skiing, swimming, traveling, watching movies, and spending time with his family.

Carrie Short is a Senior Financial Advisor with Merrill Lynch Wealth Management. She initially joined Merrill Lynch in 2006 after graduating from Texas A&M University with a degree in Human Resource Development and Business. After eight years as a Client Associate, Carrie left the firm to spend more time with her family before returning in 2016 to serve as a Financial Advisor on the RG Group. In her current role, she acts as the team's relationship manager, working proactively with clients to build strong relationships and understand their financial needs and goals. Carrie holds the Personal Investment Advisor (PIA) designation and focuses on areas such as college education planning, family wealth management strategies, managing new wealth, and retirement income. She is a member of the professional organization Gamma Phi Beta and is involved in her community as the Vice President of the Parent Teacher Organization. Outside of her professional responsibilities, Carrie enjoys cooking, traveling, volunteering at her son's school, and spending time with her family. She and her husband Preston live in the Garden Oaks area with their 12-year-old son.

Oscar Ferrufino is a Financial Advisor with Merrill Lynch Wealth Management, bringing 13 years of industry experience to his role. He began his career at Bank of America as a teller and progressed to become a Financial Advisor at Merrill, where he has been for eight years. Oscar's approach involves taking the time to understand clients' priorities to help develop their short-, mid-, and long-term financial goals. His expertise includes college education planning, employee benefits planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, sports and entertainment, tax minimization, and retirement income. He serves as a resource for general investing, retirement planning, and saving for unexpected events, and can facilitate access to Bank of America specialists for banking, credit, home financing, and small business solutions. Oscar holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma from Westbury High School. He is fluent in English and Spanish. Outside of his professional work, Oscar's personal interests include baseball, fishing, music, photography, and watching movies.

Jeanette Briones serves as a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In her role, she assists clients in developing personalized financial plans that address objectives such as funding education, preparing for retirement and healthcare expenses, and achieving long-term family goals. Jeanette’s approach incorporates clients' individual perspectives and priorities to create tailored investment strategies. She holds the professional designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from the University of Houston System. Jeanette focuses on providing clarity and transparency in wealth planning to help clients navigate the complexities of investing.

Joseph Dvoracek is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since becoming a financial advisor in 2018, he has specialized in working with individuals, families, and business owners to consolidate, grow, and preserve wealth through disciplined planning and investment management. His client focus areas include education planning, family wealth management strategies, personal retirement planning, portfolio management services, women and wealth, and retirement income. A native Texan, Joseph holds a Bachelor's Degree from the University of Texas at Austin and graduated from Stavanger American School in Norway. Before transitioning to financial advising, he had a 30-year career in corporate and agency marketing. He holds the Personal Investment Advisor (PIA) designation. Joseph is active in his community, supporting organizations such as the Houston SPCA, the Houston Arboretum and Nature Center, and the Houston Zoo. He and his wife Margaret, to whom he has been married for 30 years, share a passion for animal welfare and care for several rescue animals. His personal interests include biking, cooking, gardening, golfing, music, skiing, soccer, and spending time with his family.

Nadia Khan is a financial advisor with Merrill in Houston, TX. She holds a Series 66 designation and has 11 years of industry experience. Khan has been with Merrill and Bank of America, N.A. since 2015. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Elias Contreras is a Wealth Management Advisor at Merrill Lynch Wealth Management. He provides investment advice and strategies that are guided by an understanding of his clients' life goals, risk tolerance, time horizon, and liquidity needs. Elias focuses on helping clients pursue long-term financial goals through personalized wealth management strategies. He works closely with current and future leaders, offering solutions for complex scenarios such as concentrated stock positions, options, and ESOPs. Elias holds a Master of Business Administration (MBA) and a Bachelor's Degree from the University of St. Thomas in Texas. He is a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is a member of professional organizations including OneGoal and The Executive and Professional Association of Houston. Born and raised in Houston, Elias is engaged in his community through volunteer work with Habitat For Humanity and the Houston Food Bank. He enjoys basketball, biking, cooking, and running in his personal time.