Peyton Gentry is a Financial Advisor with the Payne & Mencias Group at Merrill. He joined the group in May 2020 and provides expertise in all areas of wealth management, working to cater to the personalized needs of each client. Peyton helps clients develop strategic plans for long-term wealth management, focusing on areas such as education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, and tax minimization. Peyton graduated from the Kelley School of Business at Indiana University Bloomington with a bachelor's degree in Finance, specifically focused on Wealth Management. He earned the CERTIFIED FINANCIAL PLANNER® certification in 2021 and holds the Personal Investment Advisor (PIA) designation. He maintains a strong focus on continuing education to support his practice. Outside of his professional role, Peyton is actively involved in several community organizations, including the Dubois County Community Foundation, Heart of Jasper, Jasper High School Girls Soccer, Mentors for Youth, and the Young Professional Network of Southern Indiana (YPNSI). Peyton resides in Jasper, Indiana, and enjoys activities such as hunting, fishing, basketball, camping, football, golfing, pickleball, soccer, and volleyball. He values community involvement and volunteerism, having logged over 300 volunteer hours between 2023 and 2025.

Carlos Ramirez is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2017. Outside of his advisory role, Ramirez owns and manages two businesses: Investment Holdings, LLC, a holding company for purchased businesses, and Prime Finders, LLC, an e-commerce store. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal teams and third-party managers.

Ronald Mencias is a Wealth Management Advisor and Managing Director of the Payne & Mencias Group at Merrill Lynch Wealth Management. He has been with Merrill for over 20 years, bringing extensive experience in serving successful investors and wealthy families. His areas of focus include college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Ronald holds a bachelor's degree in accounting from the University of Notre Dame and an MBA in finance from Butler University. He has earned the CERTIFIED FINANCIAL PLANNER® certification as well as the Certified Investment Management Analyst® designation. Ronald has been recognized on multiple industry lists including Forbes' "Best-in-State Wealth Management Teams" and "America's Top Wealth Management Teams High Net Worth," as well as Barron's "Top 1,200 Financial Advisors" for sixteen consecutive years. Born and raised in Indiana, Ronald resides in Carmel with his wife and two children. Outside of his professional duties, he enjoys spending time with his family, playing tennis, traveling, and practicing yoga.

Kevin Niceley is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been a financial advisor since 1985 and joined Merrill in 2009. He focuses on providing strategic wealth management support to families, endowments, and foundations. His client expertise includes family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, and personal retirement planning. Kevin holds the Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments & Wealth Institute® and taught in conjunction with the Wharton School of Business. He also holds the Chartered Retirement Planning Counselor™ designation and is a graduate of Ball State University with a bachelor's degree in Finance and Business Administration. Kevin is a member of the Investments & Wealth Institute®. In addition to his professional work, Kevin is active in his community, having served on several boards including the Aspire Mental Health Organization where he served as Past President, Audit and Finance Chair, and Capital Campaign Chair. He and his wife, Jenny, have three children and live in Carmel, Indiana. His personal interests include boating, golfing, music, and tennis.

Rebecca Moncivaez is a financial advisor with Merrill in Indianapolis, IN, holding a Series 66 designation and 21 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2002 and at Bank of America, N.A. since 2019. 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 supported by internal and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mary Smith is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2014, following prior roles at Morgan Stanley Smith Barney, Morgan Stanley & Co., Incorporated, and Stifel Nicolaus. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies managed by internal CIO teams and third-party style managers.

Jose Fourquet is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2014. Outside of his advisory role, he serves as an advisory board member for Packfiles, a technology company based in Tampa Bay, and is on the board of directors for Tampa Bay Wave, a business accelerator. 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, pension plans, corporations, and charitable organizations.

James Gray is a financial advisor with Merrill in Indianapolis, Indiana. He holds the Series 63 and Series 65 licenses and has five years of industry experience. His prior work includes roles at Bank of America, Triad Advisors, and Money Concepts Capital Corp. Outside of finance, he owns and manages several rental properties. 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, and institutional investors.

Elizabeth Sheets is a financial advisor with Merrill in Indianapolis, IN, holding a Series 66 designation and 19 years of industry experience. She has been with Merrill since 2006. Outside of her advisory role, she serves as a committee member for the Good Samaritan Foundation, working on an education center honoring her father. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Scott Kennedy is a Senior Financial Advisor affiliated with Merrill Lynch Wealth Management. He began his career in 1997 with Prudential Securities and later co-founded the Lockwood & Kennedy Group in 2001. In 2009, he and his team transitioned to Merrill, where he formed the Horrall & Kennedy Wealth Management Group upon Jeff Lockwood's retirement in 2016. In 2020, Scott expanded the team to include Marc Pyatt, focusing on wealth and investment management. Scott specializes in implementing goal-based wealth management strategies for families, covering areas such as retirement income planning, inter-generational wealth transfer, wealth creation and preservation, tax minimization, and legacy planning. His approach assists families in maintaining their lifestyles through various economic environments and life transitions. He holds a Bachelor of Arts degree from Indiana University and has earned several professional designations, including Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor®. Scott is involved with professional organizations like the Indiana University Alumni Association and the Indiana University Varsity Club. He resides in Carmel, Indiana with his wife Jenny and their two children, Ryan and Lauren, and enjoys attending Indiana University football and basketball games.

Shannon Emberton is a Series 66 licensed financial advisor with Merrill in Indianapolis, IN, and has 9 years of industry experience. She has been with Merrill since 2016. 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.

Jerry Mc Mullen is a financial advisor at Merrill with 44 years of industry experience. He holds a Series 63 designation and has been with Merrill since 2014, concurrently working at Bank of America, N.A. 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 individual and institutional clients.

James Ruthrauff is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management, where he has contributed over 30 years of experience supporting accomplished families. His work focuses on simplifying and coordinating complex financial lives, helping clients make informed decisions during key opportunities and transitions, and ensuring that wealth management supports both long-term goals and current lifestyles. Through Kahn, Ruthrauff & Associates, he collaborates with a dedicated team and works alongside CPAs, attorneys, and other advisors to provide integrated and thorough planning. Mr. Ruthrauff specializes in areas including college education planning, personal retirement planning, portfolio management services, small business strategies, and retirement income. He holds several professional designations, including Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA). His educational background includes a Bachelor's Degree from Indiana Wesleyan University and a Master's Degree from the University of Florida. He is a member of the Economic Club of Michiana and has completed additional coursework at Yale University related to asset allocation, ethics, and investment management. Outside of his professional activities, James resides in Granger with his wife Jeannie. He is involved in the South Bend community, participating in cultural arts and supporting local charitable organizations such as Habitat for Humanity. His personal interests include biking, boating, skiing, tournament waterskiing, cycling, golf, CrossFit, and playing guitar.

Darrin Ottinger is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management. In this role, he leads a team focused on assisting clients with comprehensive wealth management, including financial, retirement, trust, and estate planning. With 33 years of experience in the wealth management business, Darrin and his team uphold Merrill’s fiduciary responsibility to prioritize client interests. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Darrin earned a Bachelor’s Degree from Indiana University and a High School Diploma from Frankfort High School. He is also committed to community involvement, dedicating time to volunteer with local organizations in alignment with Merrill’s tradition of service.

Brian Schuman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He advises High Net Worth and emerging High Net Worth clients, focusing on retirement income planning, portfolio development, liability management, tax minimization, and asset preservation. His client focus areas include college education planning, divorce transition planning, executive compensation, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Brian joined Merrill in 2007. Before that, he served as a Financial Advisor for Wachovia Securities for 10 years and worked for a decade as an associate at The Tom Lange Company. He holds the Chartered Retirement Planning Counselor (CRPC) designation, the CERTIFIED FINANCIAL PLANNER (CFP) certification, and the Personal Investment Advisor (PIA) designation. Brian graduated from Purdue University with a bachelor's degree in Agriculture Economics. He has been named to the Forbes "Best-in-State Wealth Advisors" list from 2019 through 2023. Brian resides in Carmel with his family and volunteers with Gleaners Food Bank.

Conrad Gregor is a Private Wealth Advisor with Gregor Private Wealth Group at Merrill Private Wealth Management. He joined Merrill in 2020 and participates in the Bank of America / Merrill Training Program, focusing on relationship management and goals-based wealth planning. His role includes serving an elite and limited circle of successful entrepreneurs, venture capitalists, investors, C-suite executives, sports professionals, and generations of wealthy families. Conrad is part of Merrill's Sports and Entertainment Program, managing client relationships with professional athletes and business owners, and also serves millennial clients and the next generation of client families. Before joining Merrill, Conrad had a career as a professional baseball player with several Major League Baseball organizations. He also founded a private baseball and fitness academy aimed at helping young athletes and adults achieve their personal wellness goals and objectives. Conrad's approach is informed by his experience as a business owner and former professional athlete, enabling him to relate well to many clients. His expertise areas include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, individual and corporate investment strategy, and tax minimization. Conrad holds a bachelor's degree in Finance and Entrepreneurship from Vanderbilt University, where he earned numerous accolades in their baseball program. He carries multiple professional designations such as Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He currently resides in Westfield, Indiana with his family. His personal interests include baseball, basketball, fishing, football, golfing, music, running, softball, spending time with his family, and traveling.

Manish Krishnamaneni is a Financial Advisor at Merrill Lynch Wealth Management. He provides investing advice and access to banking and lending services through Bank of America. Manish works with clients to understand their priorities and develop personalized investment strategies aimed at pursuing their financial goals. He holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Manish earned his Bachelor's Degree from Indiana University/Purdue University at Indianapolis.

Jordan Be Miller is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America and various organizations in Indiana, including Indiana University and local government departments. 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.

Tanner Ottinger is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping clients develop personalized strategies focused on education planning, employee financial health, personal retirement planning, special needs planning strategies, and retirement income. His approach emphasizes aligning financial plans with each individual’s unique perspectives and priorities, aiming to simplify the complexities associated with wealth management. Tanner holds a Bachelor's Degree from Indiana University and maintains professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP) and Personal Investment Advisor (PIA). He and The Ottinger Group are committed to guiding clients through the retirement planning process with tailored strategies designed to achieve financial security and a worry-free retirement. Outside of his professional work, Tanner has interests that include cooking, gardening, hiking, rock climbing, running marathons, swimming, traveling, and spending time with his family.

Michael Fish is a Senior Financial Advisor specializing in wealth management within Merrill Lynch Wealth Management. He focuses on developing personalized financial strategies tailored to clients' individual goals, aiming to adapt to evolving market conditions. Michael leverages investment insights from Merrill and financial solutions from Bank of America to support his clients' wealth management needs. He holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from Indiana University School of Business. Michael is also engaged in community activities, dedicating time to volunteer with local organizations, reflecting the Merrill tradition of community involvement.