Zachary Smith is a financial advisor at Merrill in Jacksonville, FL, with 11 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Merrill Lynch Pierce Fenner & Smith since 2014. 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 designed by internal Chief Investment Office teams and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, with portfolio implementation that varies by strategy and includes tax-aware options for higher tax-sensitivity investors.

Tamara Spigner is a financial advisor at Merrill with 13 years of industry experience. She holds the Series 66 designation and has worked at Merrill and Bank of America, N.A. She is also an independent travel agent and sales representative for a home-based travel business. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers for a range of individual and institutional clients.

William H. Merriam III serves as a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1990 and has developed a wealth management practice with a team of ten professionals. His focus encompasses capital preservation, income generation, and growth strategies tailored for individuals and business owners. These strategies include asset allocation, investment selection, options and hedging, as well as tax minimization. With more than 30 years of investment experience, Bill provides guidance in areas such as education planning, family wealth management strategies, legacy planning, liquidity management, and retirement income. His approach aims to connect all aspects of a client's financial life to prioritize and pursue their most important goals. Bill holds a Bachelor's Degree in Business Finance from Florida State University and holds several professional certifications, including Certified Investment Management Analyst (CIMA), Certified Financial Planner (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He is also a member of the Investments & Wealth Institute. His dedication to the field has been recognized through consecutive years on Barron's Top 1,200 Financial Advisors and Forbes Best-in-State Wealth Advisors lists. In his personal time, Bill enjoys fishing, football, golfing, hunting, and tennis.

Michael Tumolo is a Series 66-licensed financial advisor with Merrill in Jacksonville, FL, with 22 years of industry experience. He has worked at Merrill since 2017 and previously spent a year at Morgan Stanley. 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.

Laura Granados is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Her previous positions include roles at VyStar Credit Union and Bank of America, N.A. She has also worked in automotive sales and at a country club prior to her finance career. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Christopher Westphal is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has been with Merrill since 2014. Outside of his advisory role, he owns two sole proprietorships: Moonwalker Surfboards, where he handcrafts and sells surfboards locally, and Westphal's Astro Images, through which he photographs and paints astronomical subjects for sale. 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 individuals, high-net-worth clients, and institutional investors.

Matthew Cain is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 9 years of industry experience. He has been with Merrill since 2011. 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 a variety of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Karen Barnett is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2009. Prior to Merrill, she has been affiliated with Bank of America, N.A. since 1999. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Tenisha Fairclough is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill since 2007. Outside of her advisory role, Fairclough owns and operates a home bakery business called Just Cakin' It, where she bakes and decorates cakes part-time. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Robert Morris is a financial advisor with Merrill in Jacksonville, Florida, holding a Series 66 designation and 19 years of industry experience. He has worked at Merrill since 2006. Outside of his advisory role, he owns and operates Cowford Fabrication Company, a metal fabrication business specializing in metal artwork and custom signs. Merrill serves a diverse client base, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs and discretionary portfolio management. The firm integrates with Bank of America affiliates and emphasizes manager selection and tax-efficient investment strategies.

Christina Liza is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at both Bank of America, N.A., and 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Willie Arrington II is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and with 25 years of industry experience. He has been with Merrill since 2000. 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 range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Spencer Merriam is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2014 and became part of the Merriam Team in 2015. In his role, he advises clients by implementing tailored strategies aimed at achieving their long- and short-term financial goals. He also oversees portfolio changes for the team and conducts investment research to support portfolio decisions. Spencer holds a Bachelor's degree in Finance from the University of North Florida and a Master's degree in Finance from Florida State University. He has earned professional designations including Accredited Asset Management Specialist (AAMS), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional work, Spencer enjoys playing golf and tennis. He is an active volunteer with the local Jacksonville Gator Bowl Charity Club and is a member of the Bowden Society at Florida State University.

Andres Jurado is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 credential and 14 years of industry experience. He has worked at both Merrill and Bank of America since 2012 and 2013, respectively. Outside of his advisory role, he works part-time as a hospital interpreter at Baptist Hospital ER and delivers for Uber. 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, and institutions, with support in trading, account administration, and custody.

Robert Trull is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2009. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Holly Mac Lean is a financial advisor with Merrill, holding a Series 66 designation and 25 years of industry experience. She has worked at Merrill since 1999 and has also been affiliated with BOFA Securities, Inc. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Susan Collet Thresher is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. She has worked at Merrill since 1995. Outside of her advisory role, she is a consultant and independent contractor for Pampered Chef, selling kitchen utensils and cookware. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Austin Merriam is a Wealth Management Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' retirement goals and objectives to develop unique and comprehensive wealth management strategies tailored to their priorities. He manages risk and diversification to help clients achieve their investment goals while maintaining a balanced financial outlook. Additionally, Austin oversees his team's access to annuities and assists clients interested in utilizing them. Austin joined the Merriam Team in 2017. He earned a Bachelor's degree in Business from Florida Southern College in 2016 and completed a Master's degree in Finance at Florida State University in 2017. He holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. Outside of his professional career, Austin enjoys spending time with his wife, son, and daughter. He participates in golf and tennis and is actively involved in community service through the Jacksonville Gator Bowl Charity Club. He also coaches his son's basketball team.

John Batista is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and having nine years of experience at Merrill following six years at Dr. Brink & Associates - Pearle Vision. Outside of his advisory role, he is a co-owner and manager of CJJ Sunshine Properties, LLC, a limited liability company involved in short-term rental property activities, and serves as a board member for Florida Business Professionals of America, a career and technical student organization. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, and charitable organizations.

Christina Chamberlain is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has worked at Bank of America and Merrill since 2015. Outside of her advisory role, she owns two sole-proprietorship entities related to managing childcare expenses. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.