Efrain Pantoja is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In his role, he focuses on connecting clients with tailored financial planning and investment strategies that align with their unique ambitions and priorities. His work includes assisting clients with funding education, planning for retirement and healthcare expenses, and developing personalized plans to support long-term family goals. Efrain holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned his high school diploma from Andress High School. His approach emphasizes simplicity and transparency to help clients navigate the complexities of wealth planning.

Griffin Lyon is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He previously worked for Duval County Public Schools for nine years before joining Merrill in 2021. 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.

Denise Villarreal Ruiz is a Series 66 licensed financial advisor with 11 years of industry experience. She has been with Merrill since 2011 and concurrently with Bank of America, N.A. since 2019. Outside of her advisory role, she is the general partner and managing member of BullNest LLC, a small retail storefront business in Jacksonville, FL, and provides occasional administrative support to a family-run home inspection business. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, utilizing model-based and discretionary investment strategies for a range of clients including individuals, pensions, corporations, and charitable organizations.

Joseph Maloy is a financial advisor at Merrill with Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Merrill and Bank of America, he worked at Fidelity Investments for two years. Outside of his advisory role, he owns a business that designs and prints custom shirts. 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.

Marwan Benchaaboune is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving clients since 2007. He focuses on delivering personalized wealth management strategies by collaborating closely with clients to understand their life priorities. His client service approach involves coordinating efforts with attorneys, tax professionals, and insurance experts to simplify financial lives and support goals such as family wealth management, personal retirement planning, portfolio management, and retirement income. Benchaaboune holds a Master’s Degree from West Texas A and M University and a Bachelor’s Degree from Holy Spirit University. He is a CERTIFIED FINANCIAL PLANNER® (CFP) and holds additional professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is experienced in equity trading and analysis, wealth outlook, estate planning, and risk management. Fluent in English, French, and Arabic, he is committed to a goals-based approach with a wealth management team dedicated to building client relationships. Active in his community, Benchaaboune participates in social and philanthropic events and values connecting with people passionate about their work. Outside of his professional responsibilities, his personal interests include biking, football, music, racquetball, soccer, table tennis, and spending time with his family.

Jeremy Brown is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 19 years of industry experience. He has worked at Merrill since 2005 and at Bank of America, N.A. since 2011. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm utilizes multiple investment program strategies and integrates closely with Bank of America affiliates to support trading, lending, and capital-markets activities.

Ronald Keller is a financial advisor at Merrill with 20 years of industry experience and holds a Series 66 designation. His career includes roles at Bank of America, Empower Retirement LLC, Gwfs Equities, Inc., and multiple tenures at Merrill. 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.

Claudia Kildow is a financial advisor at Merrill with five years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2020. Prior to her current role, she was employed at Dillard's Clearance Center and Publix Supermarkets. 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 and profit-sharing plans, corporations, and charitable organizations.

Christopher Adair is a financial advisor with Merrill in Jacksonville, FL. He holds the Series 63 and Series 66 designations and has 10 years of industry experience. Prior to his current role at Merrill since 2015, he worked at Bank of America, N.A. and served in the United States Marine Corps Reserve from 2012 to 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, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Jason Johnson is a financial advisor at Merrill with 23 years at the firm and 12 years of industry experience. He holds Series 63 and Series 66 licenses and is based in Jacksonville, FL. He has worked at Bank of America, N.A. since 2014 alongside his role at Merrill. Merrill serves a wide range of clients including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage custody services. The firm utilizes multiple investment program strategies and emphasizes integration with Bank of America affiliates to support trading, lending, and capital-markets activity.

Carlos Alviarez Delgado is a financial advisor at Merrill with Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at Bank of America, Thrivent Financial, and TD Ameritrade. He is also the owner of Utopia Shop LLC, a company created for his daughters to sell sunglasses online. 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 both model-based and discretionary investment strategies for a variety of client types including individuals, high-net-worth clients, and institutions.

Sierra Hibbs is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and five years of industry experience. Her prior roles include positions at Bank of America, CitiGroup Global Markets, and Fidelity Investments. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Andres Moreno is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and four years of industry experience. He has worked at Bank of America, Merrill, and SS&C Advent. Outside of his advisory role, Moreno is involved in a floor and coating contractor startup as a general partner and managing member. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Austin Shanahan is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2017. He is also the owner of ACT Imports, a limited liability company based in Ponte Vedra Beach, 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 both model-based and discretionary investment strategies for a range of individual and institutional clients.

Christian Ramos is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Fidelity Investments, Wells Fargo, and Mount Sinai Health System. 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 and profit-sharing plans, corporations, and charitable organizations.

Evan Moore is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with one year of experience. His prior experience includes roles at Bank of America and Integrity Data Solutions Inc., as well as involvement with Boston College in various capacities. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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 strategies developed by internal and third-party managers.

Carlos Asencio Valentin is a financial advisor at Merrill with Series 63 and Series 66 licenses and four years of industry experience. He has previously worked at Bank of America, Investment Planners Inc., Advisers Alliance, and held roles outside finance including positions at Intramericana University and Oakley Sunglasses. In addition to advising, he is active as an insurance agent focused on traditional insurance sales. 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.

Deitmar Dains is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he joined in 2017. He specializes in asset management for high-net-worth individuals and families, focusing on college education planning, executive compensation, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. He leads a wealth management team at the Summit, NJ branch, working alongside his business partner and supported by two staff members, including a CERTIFIED FINANCIAL PLANNER® Professional. With over 26 years of experience in the financial services industry, Deitmar began his career as a fixed income specialist at Gibraltar Securities, which later became RBC Dain Rauscher. He also served as Vice President in the Private Client Group of Bear Stearns and as Senior Vice President at Morgan Stanley prior to joining Merrill Lynch. He holds a bachelor's degree from Syracuse University and maintains FINRA series 7, 63, and 65 registrations along with life insurance licenses. Additionally, he holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Deitmar resides in Short Hills, New Jersey with his wife, two children, and their dog Teddy. His team, the Sentinel Team, has been recognized on the Forbes "Best-in-State Wealth Management Teams" list for 2023, 2024, and 2025.

Precious Harper is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 designations and has worked at both Merrill and Bank of America since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Redding is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 17 years of industry experience. He has worked at Merrill since 2008 and Bank of America since 2011. He is also affiliated with the University of North Florida 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.