Margaret Kubiak is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing, Wells Fargo Investments, LLC, and Banc of America Investment Services, Inc. Kubiak is based in Los Angeles, CA. 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.

Jose Martinez is a financial advisor at Merrill with 26 years of industry experience. He holds a Series 66 designation and has been with Bank of America and 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Spring is a Senior Financial Advisor at Merrill Lynch Wealth Management. He oversees and manages the financial affairs of high net worth families, corporate executives, and select institutions in Los Angeles and throughout the country. Matthew develops personalized, integrated strategies tailored to his clients’ financial goals, helping them navigate short-term needs and accumulate wealth over the long term. Since joining Merrill Lynch Wealth Management in 2013, Matthew has worked closely with clients to address a range of financial concerns, including college education planning, retirement security, wealth transfer, and business founding. He leverages resources from Merrill Lynch and Bank of America to provide comprehensive services such as wealth forecasting, financial modeling, retirement planning, trust services, and portfolio-based lending. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Matthew earned a Master’s Degree from the Thunderbird School of Global Management and a Bachelor’s Degree in History from the University of California, Los Angeles. He also participates in community volunteering and has personal interests that include cooking, golfing, reading, running, and surfing.

Daylen Reyes is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to build, manage, and transfer wealth through personalized financial planning and investment guidance. His approach focuses on developing long-term, tax-conscious strategies that align with each client's unique financial goals. Daylen collaborates with clients and their trusted advisors, including CPAs and attorneys, to develop coordinated wealth strategies that encompass investment decisions along with broader financial, retirement, and legacy objectives. Daylen holds FINRA Series 7, Series 65, and Series 63 registrations, and he has earned the Personal Investment Advisor (PIA) designation. He received his bachelor's degree from the University of California Los Angeles and is a member of the UCLA Bruin Athletic Council.

Jeremy Decuir is a financial advisor at Merrill with 12 years of industry experience, holding a Series 66 credential. He has worked at Merrill since 2014 and concurrently at Bank of America, N.A. since 2015. Outside of his advisory role, he is an owner of a family trust. 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.

John Samii is a financial advisor at Merrill in Los Angeles, CA, holding a Series 66 designation with 7 years of industry experience. His work history includes roles at Bank of America and USC prior to his current position. He also serves as Successor Trustee for a family trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, and corporations.

Gennaro Disilvio serves as a Private Wealth Advisor at Merrill Private Wealth Management. In this role, he focuses on providing personalized portfolio management and wealth advisory services to both private clients and institutional investors. His approach involves understanding clients' goals, future needs, and risk appetite to manage their capital thoughtfully and pursue optimal risk-adjusted returns. As a Portfolio Manager, Gennaro manages discretionary investment strategies that may include individual stocks and bonds, model portfolios, and third-party investment strategies. His expertise encompasses areas such as family wealth management strategies, institutional investment consulting, liquidity management, managing new wealth, portfolio management services, and tax minimization. He also provides services tailored for endowments, foundations, non-profits, small businesses, and clients interested in socially responsible, values-based, and ESG investing. For larger institutional clients, Gennaro utilizes Merrill's resources, including a broad inventory of investment-grade fixed income securities and additional professional oversight related to fiduciary responsibilities and investment policy compliance. Gennaro holds a Bachelor's Degree from Duquesne University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, his personal interests include adventure sports, basketball, billiards, football, golfing, ice hockey, music, skiing, and traveling.

Brandon Evans is a financial advisor at Merrill with 14 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2012 and 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brian Ludwick is a financial advisor with Merrill in Los Angeles, CA, holding Series 63 and Series 65 designations and with 44 years of industry experience. He has been with Merrill since 2000 and also associated with Bank of America, N.A. since 2009. Outside of his advisory role, he is a co-owner of a family rental property. 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.

Jakob Roulier is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at Ernst and Young and Cask Consulting. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Fraser Mcalpine is a Financial Advisor with Merrill Lynch Wealth Management, joining the firm in 2023. With 15 years of experience in the financial services industry, he specializes in helping affluent individuals develop personalized financial strategies by understanding their short- and long-term goals. Fraser’s expertise includes executive compensation, legacy planning, liquidity management, retirement planning, portfolio management, socially responsible and ESG investing, tax minimization, and small business strategies. He also offers discretionary management of custom investment strategies using a range of Merrill model portfolios and third-party investment options. Fraser holds a Bachelor’s Degree from Rasmussen College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He focuses on guiding clients through the complexities of wealth management by providing financial education and creating tailored plans aligned with clients’ risk tolerance, time horizon, and liquidity needs. Fraser is committed to supporting clients and their families across different stages of life and values the importance of addressing financial challenges related to retirement income and educational funding. In addition to his professional work, Fraser is involved with Able Gamers, reflecting a commitment to community engagement. His personal philosophy centers on uncovering what matters most to clients and helping them create strategies to pursue their financial goals.

Ellen Van Grove is a financial advisor at Merrill with 32 years of industry experience. She holds the Series 63 designation and has been with Merrill since 2015. Based in Los Angeles, CA, Van Grove's career spans over three decades in financial services. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Justin Tendler is a financial advisor with Merrill in Los Angeles, CA, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Merrill and Bank of America, he held roles at Fly By Jing and Earth Island, a company later acquired by Danone. 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 plans, corporations, and charitable organizations.

Nicholas Tater is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2020. His prior experience includes roles at Colorado Mesa University, 12 Degree Brewing, and Heritage High School. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering a range of model-based and discretionary investment strategies.

Gabriella Onggara is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill and Bank of America, she held roles at Glow Recipe and Prizeout, and completed a four-year tenure at UC San Diego. 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.

Cheryl Paller is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Deutsche Bank Securities Inc. for ten years before joining Merrill and Bank of America in 2016. She serves as a board member of the Women's Leadership Council, a nonprofit group supporting the Fulfillment Fund. 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 and profit-sharing plans, corporations, and charitable organizations.

Nicholas Tower is a financial advisor at Merrill with nine years of industry experience, holding Series 63 and Series 66 credentials. He has worked at Bank of America, Merrill, and Wells Fargo Bank. Outside of his advisory role, he is a 50% owner of a family farm, Swan Creek Farms LLC, where he contributes to farm management in a limited capacity. 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 individuals, high-net-worth clients, and institutional investors.

Garnik Chamichyan is a financial advisor at Merrill with Series 63 and Series 66 designations and eight 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Aylward is a financial advisor with Merrill in Los Angeles, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. His prior work includes five years at Morgan Stanley before joining Merrill and Bank of America in 2016. Outside of advisory work, he manages a family real estate investment LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America 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.

Leon Yu is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Bank of America since 2022 and has been with Merrill since 2021. Prior to his advisory roles, he spent time in mentorship and education positions. 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 a range of clients, including individuals, high-net-worth clients, and institutional investors.