Elbert Bledsoe is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in developing strategies and providing advice for high-net worth individuals, their families, and their businesses, with a focus on understanding their short- and long-term financial objectives. His areas of expertise include corporate executive services, education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Elbert holds a bachelor's degree from Aquinas College and a master's degree from the University of Florida. He has earned the designations of CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He has over 39 years of experience assisting individuals and companies in pursuing their financial goals. Outside of his professional work, Elbert is involved in the community and serves on the boards of the North Florida School of Special Education and Safe Haven Ministries. He and his wife Lynn live in Jacksonville and are active in supporting various charitable organizations. He enjoys adventure sports such as kayaking, backpacking, and mountain climbing. Elbert values his faith, family, and friends.

Nicholas Reifschneider is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes positions at Heritage Insurance and involvement with Bo’s Ice Cream. He also has academic experience from the University of Florida. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Sims is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Planning Counselor™, and Personal Investment Advisor. In his role, William focuses on providing integrated wealth management planning, retirement planning, tax minimization strategies, and access to banking and trust services through Bank of America. He works closely with clients to develop personalized financial strategies tailored to their long-term goals. William has over 20 years of experience consulting C-level business executives on strategic decisions. Since joining Merrill Lynch Wealth Management in 2005, he has provided financial guidance to high-net-worth individuals and families, helping them to identify their life goals and plan for a secure financial future. His areas of expertise include college education planning, family wealth management, endowment and non-profit services, retirement income, portfolio management, and special needs planning. He has received awards recognizing his commitment to excellent customer service. William earned his bachelor's degree from Florida State University and his master's degree from the University of North Florida. He is involved in professional organizations such as the Florida Crown Region Porsche Club, NE Florida Estate Planning Counsel, and Theatre Jacksonville. William and his wife Maria, both Jacksonville natives, have raised four children and enjoy their homes in Jacksonville's historic San Marco neighborhood and Savannah's Landmark District. His personal interests include chess, drawing, football, music, painting, surfing, and traveling.

Joshua Owens is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Bank of America N.A. since 2023 and with Merrill Lynch, Pierce, Fenner & Smith since 2015. Outside of his advisory role, Owens serves as a board member for the East Village Townhomes homeowners association in Jacksonville, FL. 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.

Onycha Baker is a Senior Financial Advisor with Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER™ designation awarded by the Certified Financial Planner Board of Standards, Inc. She earned both her bachelor's and master's degrees from Florida Agricultural & Mechanical University. Onycha's career with Merrill Lynch began in 2008, during which she has provided individual investors with financial advice and wealth management planning. She specializes in areas including divorce transition planning, education planning, family wealth management strategies, personal retirement planning, portfolio management services, women and wealth, and retirement income. Onycha offers customized financial strategies for high net-worth individuals, retirees, families, and business owners, focusing on understanding clients' perspectives to help meet their financial goals. Outside of her professional work, Onycha is involved with the COP Youth Choir as a musician and has interests in cooking, interior decorating, music, spending time with family, and traveling.

Dimitrios Kavalieros is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, Dimitrios focuses on developing personalized financial strategies to help clients pursue their long-term goals. He integrates investment insights from Merrill Lynch and banking solutions from Bank of America to create flexible approaches suited to changing market conditions. He holds multiple professional designations, including Chartered Financial Analyst (CFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Dimitrios earned his bachelor's degree from the University of Florida. Committed to the Merrill tradition of community involvement, Dimitrios spends time volunteering with local organizations. His approach centers on working collaboratively with clients to understand their financial picture and tailor strategies that align with their priorities.

Antonio Conticelli is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 27 years of experience in the financial services industry and joined Merrill Lynch Wealth Management in 2012. Antonio works with high-net-worth individuals and families to understand their priorities and provide personalized attention and disciplined, customized strategies. He helps clients identify their primary financial goals and needs, including asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning services. His approach encompasses a range of investment options such as equities, fixed income, alternative investments, options, and ETFs. Additionally, he offers clients access to banking, credit, and lending services through Bank of America, N.A. Antonio holds a Bachelor's degree from Mount Saint Mary's University and the Merrill designation of Personal Investment Advisor (PIA). He is a past member of the Mount Saint Mary's University President's Council. He speaks both English and Italian. Antonio and his wife Barbara reside on Amelia Island, FL. They have been married for over 46 years and have two children and two grandchildren. Antonio is actively involved in his community as a lector and a member of the Finance Council at St. Michael Catholic Church in Fernandina Beach, FL. Clients have entrusted Antonio and his team with over $425 million in client balances as of January 1, 2025. Through his work, he aims to craft financial strategies designed to help clients pursue their long-term goals, while managing and preserving wealth for current and future generations.

Ingrid Gonzalez is a Series 66–licensed financial advisor at Merrill with 11 years of industry experience. She has been with Merrill since 2014. Outside of her advisory role, she co-owns a family rental property business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tutana Partsvania is a financial advisor with Merrill Lynch Wealth Management, serving clients as an FSA. She focuses on connecting clients to tailored plans and processes that align with their unique financial ambitions. Her work involves assisting individuals in planning for various personal goals, including funding education, preparing for retirement and healthcare expenses, and developing long-term family financial strategies. Tutana emphasizes understanding her clients' personal perspectives and priorities to create transparent and straightforward investment solutions. She holds a Bachelor's degree from Tbilisi State University and applies a client-centered approach to wealth planning, helping clients navigate the complexities of financial management.

Bevin Countryman is a Financial Advisor with Merrill Lynch Wealth Management. In this role, Bevin works closely with clients to understand their priorities and develop strategies aimed at achieving their short-, mid-, and long-term financial goals. Bevin provides guidance on a range of financial topics including investing, retirement planning, and preparation for unforeseen expenses. Clients also have access to additional resources through Bank of America specialists in banking, credit, home financing, and small business solutions. Bevin's expertise covers areas such as college education planning, corporate executive services, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Bevin holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Bevin earned a Bachelor's Degree from Northern Illinois University. Outside of work, Bevin enjoys activities including baseball, biking, boating, cooking, golfing, music, reading, spending time with family, traveling, and volleyball.

Andrew Newsom is a Series 66-licensed financial advisor with Merrill in Jacksonville, FL. He has one year of industry experience and previously worked at Bank of America, N.A. Newsom's background includes roles outside finance, such as teaching at the University of North Florida and Santa Fe College, as well as experience at eBay. 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 a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering both model-based and discretionary investment strategies.

Bozena Bakula is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and seven years of industry experience. She has been with Merrill since 2015 and previously worked at Bank of America, N.A. beginning in 2022. 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.

Joel Frost is a financial advisor at Merrill with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2020, including time at Fidelity Investments and prior roles outside the financial industry. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, utilizing both internal and third-party management teams.

Benjamin Oxnard IV is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides comprehensive wealth management services tailored to the unique goals of his clients, focusing on family wealth management strategies, liquidity management, retirement planning, portfolio management, and tax minimization. He emphasizes a disciplined planning process grounded in clear analysis, designed to adapt as clients' lives and market conditions evolve. Prior to joining Merrill Lynch in 2012, Benjamin worked as a management consultant in Washington, D.C., advising institutional clients on organizational and strategic challenges. He holds a Bachelor of Science degree in Psychology with a concentration in Behavioral Analysis from James Madison University. He is a Personal Investment Advisor (PIA) and is originally from Savannah, Georgia. Benjamin resides in the Venetia area of Jacksonville with his wife, Whitney, and their son, Benjamin. His community involvement includes serving as an assistant wrestling coach at the Episcopal School of Jacksonville and as a director for St. Johns Riverkeeper. Outside of work, he enjoys spending time with his family, coaching wrestling, golfing, and activities near the water.

Kylie Kall is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. She has been with Merrill since 2016 and is also involved with Painting with a Twist, an outside business activity she has participated in since 2014. Kylie previously served at The Cummer Museum of Art & Gardens from 2014 to 2017. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Craig Walker Jr. is a financial advisor with Merrill who holds the Series 66 designation and has eight years of industry experience. He has worked at Merrill and Bank of America since 2018 and previously held roles at Trademark Sports Management, Foreside Fund Services, and Angel Oak Capital Advisors. Outside of his advisory work, he serves as president and advisory board member of the River City United Foundation, a charitable organization focused on engaging young professionals in Jacksonville-based philanthropy, and is a board member of the University of Georgia Young Alumni Board. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individual, high-net-worth, institutional, and charitable clients.

Olajide Amoran is a Financial Advisor at Merrill Lynch Wealth Management. He is engaged in providing financial advisory services within the wealth management sector. Specific details about his experience, areas of expertise, education, credentials, or personal interests were not provided.

Eric Steen is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined the financial services industry in 2013 after spending 13 years managing a family business. Eric takes a disciplined approach to long-term wealth planning that aligns with clients' personal financial goals. He emphasizes a tactical approach supported by investment insights from Merrill and comprehensive banking and lending solutions through Bank of America. Eric's expertise covers education planning, equity compensation services, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, sports and entertainment, and retirement income. He holds professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Eric earned a bachelor's degree from Nichols College and a master's degree from the University of North Florida. Outside of his professional role, Eric is a commissioned officer in the Florida Army National Guard and an active member of that organization. He is married with three sons and enjoys sports such as baseball, basketball, football, soccer, and pickleball, in which he competes. His personal interests also include chess, cooking, hiking, traveling, watching movies, and spending time with his family.

Elio Murillo is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to help them make informed financial decisions and develop strategies that align their wealth with their personal goals. His work encompasses areas such as retirement planning, investment management, legacy planning, and philanthropic planning. With over 10 years of experience in the financial services industry, Elio focuses on creating personalized financial strategies by understanding each client's unique goals and values. His approach is rooted in integrity and transparency, aiming to simplify financial complexity and help clients pursue meaningful outcomes. Elio holds a Bachelor of Business Administration from the University of Florida and holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification as well as the Chartered Retirement Planning Counselor™ (CRPC) designation. He is also registered with multiple FINRA licenses. Bilingual in Spanish and English, Elio lives in Jacksonville, Florida, with his wife and their two young sons, and enjoys fishing, football, soccer, traveling, watching movies, and spending time with family.

Bruce Chappell is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1966, serving the ultra-high net worth client segment in Jacksonville for over 58 years. Bruce is one of the longest-tenured advisors at Merrill Lynch, providing guidance to multiple generations of families and their extended networks. His expertise lies in developing strategies for high-net-worth individuals, their families, and their businesses to help them achieve both short-term and long-term financial objectives. Bruce holds a Bachelor of Science degree in Civil Engineering from Duke University and maintains the Professional Investment Advisor (PIA) designation.