Nicolas Hoeppel is a Financial Advisor affiliated with Merrill Lynch Wealth Management. He works closely with clients to understand their unique perspectives and priorities in order to develop personalized financial strategies. His client focus areas include family wealth management strategies, personal retirement planning, sports and entertainment, tax minimization, and retirement income. Nicolas holds a Bachelor's Degree from Indiana University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is a member of the Chicago District Golf Association and the Indiana University Alumni Association. Outside of his professional work, Nicolas enjoys cooking, golfing, music, pickleball, softball, spending time with his family, traveling, and watching movies.

Erin Anderson is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and previously worked at KPMG for two years. Anderson is based in Lisle, Illinois. 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.

G Mc Loughlin is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill in 2019, Mc Loughlin was involved with CEKA Creative Boutique for four years and spent seven years as a homemaker. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Patricia Penrod is a financial advisor at Merrill with six years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley Smith Barney, U.S. Bancorp Investments, U.S. Bank, and JP Morgan in various capacities. 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, providing model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wendell Claver is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies designed to help individuals and families preserve and grow their wealth through risk-efficient approaches tailored to each investor's goals. Wendell's expertise includes college education planning, executive and equity compensation services, family wealth management, retirement income strategies, and portfolio management. He has 15 years of experience as a professional trader, providing him with a deep understanding of financial market risks and asset allocation. Wendell holds a Bachelor's Degree from the University of Michigan and is designated as a Personal Investment Advisor (PIA). He is fluent in both English and Spanish. Wendell is affiliated with the University of Michigan Crew Team and actively participates in community activities through Compass Church. He lives in the Chicago suburbs with his wife and three children, and enjoys biking, cooking, football, painting, running, scuba diving, skiing, traveling, volleyball, and spending time with his family.

Jason Fair is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Naperville / Lisle branch. He manages portfolios for clients across the United States, primarily serving local individuals and families who are business owners and corporate executives. Jason and his team focus on helping clients achieve their financial goals by customizing strategies around priorities, risk tolerance, and goals, with regular quarterly meetings to track progress and propose recommendations. Jason began his career at Merrill in 1997 after graduating from Northern Illinois University with a Bachelor's degree in Finance. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Jason resides in Elburn, Illinois, with his wife Becky and their three daughters, Olivia, Kate, and Paige. Outside of his professional work, he enjoys bicycling, playing guitar, and being involved with their church.

Sharon Kracke is a financial advisor with Merrill in Lisle, Illinois, holding Series 63 and Series 66 licenses and 28 years of industry experience. She has been with Merrill since 1998. 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 entities.

Carl Anderson is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he supports clients with investments, planning, and education. He works as part of a wealth management team that emphasizes listening to clients, customization of financial strategies, and conservative wealth management to preserve wealth and provide clarity and education. Carl's expertise includes college education planning, retirement income, legacy planning, portfolio management, and tax minimization among other areas. He holds professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Prior to joining Merrill Lynch in 2019, Carl worked as a CPA at PwC in Chicago. He earned his bachelor's degree from Illinois Wesleyan University. Outside of work, Carl enjoys fishing, running, and spending time with his family. He resides in Wheaton with his wife and two daughters.

Kimberly Cipra is a financial advisor at Merrill with Series 63 and Series 65 licenses and three years of industry experience. Her prior roles include positions at Robert W. Baird and Coyle-Kiley Insurance Agency, Inc. She is currently based in Lisle, Illinois. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Anthony Ferrazzi is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Bank of America since 2018 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aaron Wauters is the Resident Director at Merrill, where he leads a team dedicated to providing comprehensive financial services that encompass investments, liabilities, and cash management. His office is located in the Naperville/Lisle branch of Merrill. Aaron has been with Merrill since 2001, serving a diverse client base including corporate executives, pre-retirees, and retirees with a focus on 401(k) plans. He holds several professional designations including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Aaron earned his Bachelor's degree from the University of Dubuque, where he also played football for four years. Prior to his career in finance, he served in the U.S. Marine Corps from 1997 to 2003 on both active and reserve duty. He has expertise in areas such as retirement income, family wealth management, small business strategies, and tax minimization. He takes a personal and proactive approach to assist clients in achieving their financial goals and maintaining customized retirement plan strategies. Outside of his professional work, Aaron is involved in his community as a board member of the Fox Valley Patriotic Organization and as the commissioner of the Geneva Baseball Organization. He resides in Geneva with his wife Mandy and their three sons. Aaron enjoys playing racquetball and golf, and he shares his home with the family’s Black Labrador, Maddux.

Patrick Hagerty is a Financial Advisor at Merrill Lynch Wealth Management, where he has been since 2017. In this role, he works with families, business owners, and executives to help them achieve their financial goals by developing personalized plans tailored to their aspirations. Patrick leverages the offerings of Merrill and Bank of America to provide solutions that address his clients' evolving financial needs. Prior to joining Merrill Lynch Wealth Management, Patrick began his financial industry career in 2011, after earning his Bachelor's Degree from Saint Ambrose University. He has held positions at Scottrade and PNC Bank. His areas of focus include executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, and small business strategies. Patrick holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, Patrick is involved with the Lions Club. He lives in the Southwest Suburbs of Chicago with his wife and two sons. His personal interests include baseball, golfing, and spending time with his family.

Nicholas Black is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies tailored to clients’ individual goals, leveraging investment insights from Merrill as well as banking and lending solutions from Bank of America. His approach focuses on gaining a comprehensive understanding of each client’s full financial picture to create strategies adaptable to changing market conditions. Nicholas holds a Bachelor’s degree from Purdue University System and has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is committed to community involvement and dedicates time to volunteering with local organizations, reflecting the Merrill tradition of community service.

Tawfiq Farraj is a Financial Advisor at Merrill Lynch Wealth Management. With over eight years of experience, he focuses on helping clients understand and pursue their unique financial goals. Tawfiq specializes in areas including college education planning, retirement income strategies, portfolio management, tax minimization, and socially responsible investing. He emphasizes understanding clients' personal perspectives and priorities to develop tailored financial plans. Tawfiq holds a Bachelor's Degree from the University of Illinois System and has earned the Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA) designations. He resides in Berwyn with his wife and children. In addition to his professional work, Tawfiq is active in his community through the Oak Park River Forest Community Trust Foundation. His personal interests include basketball, bowling, chess, cooking, music, spending time with family, and watching movies.

Ashley Graham is a financial advisor at Merrill with 20 years of industry experience. She has held her current position at Merrill since 2005 and holds a Series 66 designation. 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 managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Susan Zick is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in delivering a comprehensive approach to wealth management that begins with understanding a client’s financial situation, family, and priorities. Susan collaborates with clients to create personalized strategies designed to be flexible and responsive to changing needs and market conditions. She also provides access to Merrill’s investment insights and the banking and lending solutions of Bank of America. Her areas of focus include college education planning, divorce transition planning, legacy planning, LGBT wealth planning, management of new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, women and wealth, and retirement income. Susan holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She earned her high school diploma from Benet Academy. Outside of her professional work, Susan has interests in boating, golfing, photography, reading, and scrapbooking. Her approach centers on understanding clients’ life priorities to develop financial plans aligned with their goals and aspirations.

William Christensen is a Series 66-registered advisor at Merrill with five years at the firm. His prior work experience includes roles at DSTP LLC and Home Depot. 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.

Kimberly Clark is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill and its predecessor entity since 1991. 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.

Bruce Gilbert is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has devoted over 40 years to providing financial and wealth management advice and services, focusing on developing investment portfolios based on clients' needs and goals with an emphasis on financial strategies, asset allocation, and diversification. Bruce provides consulting on both sides of the balance sheet, assisting clients in areas such as liquidity management, retirement planning, and tax minimization. He holds a Bachelor's degree in Economics from the University of Michigan and an MBA in Finance from DePaul University. Bruce has also completed Financial Consulting programs at the Wharton School of Business and carries the Personal Investment Advisor (PIA) designation. Bruce has been married to his wife, Lori, for over thirty-five years and they have three daughters. His personal interests include golfing and traveling.

Charles Schoenjohn Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1995, assisting clients with retirement planning and investments. Mr. Schoenjohn specializes in areas including college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, small business strategies, and tax minimization. He holds a Bachelor's Degree in Finance & Investment from Babson College, with additional academic experience at Richmond College in London and Harvard University. His professional designations include Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional role, Mr. Schoenjohn enjoys cooking, painting, and photography. He lives in the Chicago suburbs with his wife and four children and engages in personal interests such as riding his Harley Davidson motorcycle and developing black and white photographs.

David Young is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at both Merrill and Bank of America, N.A. since 1991 and 2011, respectively. 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.

Bruce Anderson is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been assisting clients since 1983. He founded The Anderson Group in 1990 and serves as a qualified Portfolio Manager in the Merrill Investment Advisory Program. His role involves helping clients with financial strategy, retirement planning, portfolio management, and investment strategies tailored to their specific needs. Bruce's expertise encompasses areas such as college education planning, divorce transition planning, legacy planning, managing new wealth, tax minimization, and retirement income. He applies conservative wealth management strategies aimed at wealth preservation and employs a customized approach that prioritizes understanding client goals and providing clarity on financial options. He holds a Bachelor's Degree from the University of Illinois and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Bruce is involved with the University of Illinois Alumni Association and participates in charitable fundraising and volunteer activities with United Way. He lives in Wheaton with his wife, Kenna, and enjoys fishing, hunting, reading, skiing, spending time with family, and woodworking.

Robert Schuldt Jr. serves as a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in values-based wealth management and transfer, focusing on understanding clients' individual needs to develop personalized financial strategies. His expertise includes financial and investment strategies, estate and wealth transfer, and planned giving and investment consulting for nonprofit organizations. With over 30 years of experience, Robert's disciplined approach has been refined through his role as an advisor since 1994. He provides services across areas such as corporate executive services, legacy planning, philanthropic planning, socially responsible and ESG investing, tax minimization, and retirement income. Robert holds a Bachelor of Science degree in Finance with an emphasis in Economics from Rockford University. He is a CERTIFIED FINANCIAL PLANNER® and a Personal Investment Advisor. He is also a member of the Board of Trustees for the Moody Bible Institute. Outside of his professional commitments, Robert enjoys camping, drawing, painting, photography, reading, and writing.

Timothy Luby is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Naperville/Lisle branch. He works as part of the Fair, Wauters Group, collaborating with a team to provide tailored financial guidance and wealth management strategies for individuals, families, and small business owners. His approach emphasizes transparency, accountability, risk management, and proactive education to help clients make informed financial decisions. Since entering the financial industry in 2015, Timothy has focused on investment management, client service, and comprehensive wealth planning, including corporate benefits, executive and equity compensation, family wealth management, personal retirement planning, tax minimization, and socially responsible investing. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, is a Certified Plan Fiduciary Advisor (CPFA), and a Personal Investment Advisor (PIA). Timothy earned his bachelor's degree from Illinois Wesleyan University. Outside of his professional responsibilities, Timothy is involved with the Midwest Shelter for Homeless Veterans. He enjoys adventure sports, biking, running marathons, cooking, and spending time with his family. He lives in Wheaton with his wife Elise, their children, and their black Labrador.

Jonathan Fennell is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. He has been with Merrill since 2015. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Massi Fazel is a Financial Advisor at Merrill Lynch Wealth Management, specializing in personalized client service and custom portfolio design. With a focus on investment management, retirement planning, tax optimization, and wealth preservation, Massi works closely with clients to understand their unique financial goals and develop strategies aimed at achieving long-term financial security. Massi holds a Master’s degree from Texas A&M University and a Master’s degree from Missouri State University. She is a Personal Investment Advisor (PIA) and values lifelong learning in the field of finance. Massi’s professional experience is informed by her commitment to tailoring financial plans that reflect the individual dreams and priorities of each client. Outside of her professional role, Massi enjoys spending time with her family, traveling, and exploring diverse foods. She is fluent in English and Persian.

Billal Virani is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with executives and business owners to understand their life goals and translates these into tailored financial strategies. His approach involves creating and implementing custom portfolios aligned with these strategies, focusing on areas such as corporate benefits, corporate executive services, and personal retirement planning. He holds a Bachelor of Arts in Economics from the University of Illinois at Urbana-Champaign and an MBA from the University of Iowa. Billal has earned multiple professional designations, including the Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). Outside of his professional role, Billal is involved with the organization Feed My Starving Children and has interests in football, music, reading, running, spending time with family, traveling, and watching movies.

Rosario Muncy is a Series 66 licensed financial advisor with Merrill, based in Lisle, IL, with four years of industry experience. He has been associated with Merrill since 2003, totaling 23 years at the firm. 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 supported by internal and third-party managers.

Diane Cassens is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. She has been with Merrill since 2006 and concurrently affiliated with Bank of America, NA since 2009. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Brown is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In his role, he works directly with clients to understand their financial objectives and develop strategies to pursue their short-, mid-, and long-term goals. He provides guidance on a range of financial topics including investing, retirement planning, and emergency savings. Additionally, he offers clients access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Matthew holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Roanoke College. His approach centers on helping clients identify what matters most to them and their families in order to tailor financial strategies that align with their priorities.

Michelle Hurst is a financial advisor with Merrill in Lisle, IL, holding Series 63 and Series 66 designations and 26 years of industry experience. She has been with Merrill since 1998. 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.

Scott Hoeppel is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 1996. In his role, he develops customized financial strategies tailored to his clients' individual goals, focusing on areas such as retirement income planning, wealth management, education funding, and tax minimization. He serves clients with a comprehensive approach that goes beyond portfolio management to address their unique needs. With 30 years of experience, Scott holds a Bachelor's degree in Finance from the University of Illinois. He received the Chartered Retirement Planning Counselor™ certification in 2007 and also holds the Personal Investment Advisor (PIA) designation. He has been recognized on the Forbes "Best-in-State Wealth Advisors" list from 2021 through 2026. Scott lives in Chicago's western suburbs with his wife and three sons. Outside of work, he enjoys golfing, traveling, and spending time with his family.

Vijay Raje Mehta is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In this role, he works closely with clients to define their financial goals and develop portfolio strategies tailored to their unique needs and circumstances. He provides ongoing advice and adapts investment plans as clients' situations evolve. His expertise encompasses a broad range of financial planning areas, including funding education, preparing for retirement and healthcare costs, managing competing financial demands such as home buying and eldercare, and creating personalized wealth management strategies. Vijay holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Vijay earned a Bachelor's Degree from Mohan Lal Sukhadia University and a Masters of Business Administration (MBA) from Rajasthan University. He is proficient in both English and Hindi.

Kevin Riordan is a financial advisor with Merrill in Lisle, Illinois, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Donna Enright is a financial advisor at Merrill with 24 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2004. 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, and various institutional investors.

Jeffrey Janssen is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has dedicated over 25 years to serving clients. Since joining the firm in 1997, he has focused on helping clients develop customized strategies to meet their unique financial goals. His areas of expertise include divorce transition planning, education planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Jeffrey holds a Bachelor's Degree in Finance from Northern Illinois University. He also holds the designation of Personal Investment Advisor (PIA). Born and raised in Naperville, Illinois, Jeffrey resides there with his wife and their three children. Outside of his professional role, he actively coaches his children in various sports and enjoys basketball, biking, chess, football, hiking, soccer, and spending time with his family.