Simon Lui is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on high net worth individuals and their families, including their businesses, to navigate financial strategies. His expertise includes retirement planning, income distribution strategies, asset allocation, goal planning, education planning, insurance planning, company and business investments, and 401K and deferred compensation. Simon helps clients manage equity compensation services, family wealth management strategies, legacy planning, managing new wealth, philanthropic planning, portfolio management services, socially responsible investing, individual and corporate investment strategy, tax minimization, and retirement income. Simon holds a Bachelor's Degree from San Francisco State University and is a Personal Investment Advisor (PIA). His professional experience includes extensive work in the finance industry prior to becoming a wealth manager, which he applies to assist clients in both short-term and long-term financial planning under changing market conditions. He follows Merrill's tradition of community involvement and volunteers with local organizations. Outside of work, Simon enjoys golfing, spending time with his family, and playing tennis.

Cheryl James is a Financial Advisor at Merrill Lynch Wealth Management. She leverages her background as a former engineer in Defense Intelligence and the high-tech industry to provide clients with comprehensive financial strategies tailored to their individual needs. Cheryl's approach integrates the resources of Merrill Lynch and Bank of America, offering clients access to investment, banking, and lending solutions designed to pursue their financial goals. Cheryl specializes in areas including college education planning, legacy planning, personal retirement planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, and retirement income. She holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) and earned a bachelor's degree from the University of California system. In addition to her professional work, Cheryl is actively involved in community organizations such as the Alzheimer's Association, where she co-chairs the Silicon Valley Walk to End Alzheimer's, and serves as a board member for the Contemporary Asian Theatre Scene and High Tech High Heels. She also contributes to Habitat for Humanity and the Happy Neighborhood Project. Cheryl's personal interests include cooking, scuba diving, spending time with her family, traveling, and practicing yoga.

Heath Hanich is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has built a practice focused on helping individuals, families, and businesses preserve, grow, and transition their wealth through personalized strategies aligned with their long-term goals. His advisory approach emphasizes trust, clarity, and tailored planning, guiding clients through various stages of life with confidence. With over two decades of experience in financial services, Heath began his career in 1999 as a part-time teller with Wells Fargo. While working full time, he earned an associate's degree from Bakersfield College followed by a Bachelor's Degree in Business Finance from Fresno Pacific University. He has held various leadership roles at Wells Fargo and also joined Wachovia, where he earned his FINRA registrations and supported clients across California. Approximately twelve years ago, Heath and his family relocated to Santa Cruz, where he achieved his goal of becoming a Financial Advisor and established a successful practice. Heath specializes in comprehensive wealth management, retirement planning, and investment strategies tailored to each client's unique needs. He holds the Personal Investment Advisor (PIA) designation. Heath resides in Santa Cruz, California with his wife Heidi and their daughter. Outside of his professional responsibilities, he stays active in the local community and contributes through his involvement with the Rotary Club of Santa Clara.

Melissa Archibeque is a financial advisor at Merrill with 23 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2000. Outside her advisory role, she is associated with an entity named MS C A TRUST in a power of attorney capacity. 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.

Ying Liu is a financial advisor with Merrill in San Jose, CA, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Merrill in 2026, Liu worked at Eagle Strategies LLC and NYLIFE Securities LLC, and has experience at New York Life Insurance Company and Googain. 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 using model-based and discretionary investment strategies.

Pashmeena Vyas is a Financial Advisor with Merrill Lynch Wealth Management, specializing in serving professionals, business owners, and retirees in the Bay Area. Her work centers on understanding her clients' unique financial needs and goals to develop comprehensive wealth plans focused on long-term financial security, wealth accumulation, retirement preparedness, and income generation. She offers guidance across a range of areas including education planning, personal retirement planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. Pashmeena holds the Certified Financial Planner (CFP) designation and is a Personal Investment Advisor (PIA). She has earned a Master's Degree from Mumbai University, a Bachelor's Degree from Sreemati Nathibai Damodat Thackersey Women's University, and an MBA from the State University of New York at New Paltz. She also completed a non-accredited certificate program at the University of California Berkeley Extension. Pashmeena is a member of the CFP® Board of Standards Inc. and communicates fluently in English, Hindi, Gujarati, and Punjabi. Outside of her professional role, Pashmeena enjoys music, spending time with her family, watching movies, and practicing yoga.

Violet Lee is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing over three decades of experience in financial advising since 2000. She specializes in a wide range of client focus areas including college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Her approach centers on developing personalized financial strategies that align with each client's goals and values. Violet and her team utilize a disciplined process that includes establishing objectives, developing strategies, recommending personalized plans, and updating them in response to clients' life changes. She is involved in managing investments, cash flow, liabilities, asset allocation, tax exposure, insurance coordination, retirement assets, and trust and estate planning services. Violet holds a Master's degree in Business Administration with an emphasis in Finance from San Jose State University and a Bachelor's degree from the University of Texas at Austin. She has earned the Personal Investment Advisor (PIA) designation. Violet participates in her local community through involvement with the De Anza Cupertino Aquatics Team and the Los Gatos Saratoga Unified School District. She resides in the Bay Area with her family and enjoys traveling, reading, swimming, hiking, and other activities.

Talin Shaheen 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, N.A., Shaheen held positions at JPMorgan Chase and Premierone Credit Union. Outside of finance, Shaheen worked in the food service industry and has experience in education. 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, and institutions.

William Zurn is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 33 years of experience in the financial services industry. He provides advice and service aimed at helping clients grow, preserve, and transfer wealth. Bill focuses on building enduring client relationships founded on trust, integrity, and understanding of individual goals. He takes a comprehensive, goals-based approach to wealth management, designing, implementing, and monitoring customized strategies for executives, entrepreneurs, and business owners. His areas of expertise include retirement plan design such as profit-sharing, defined-benefit, and 401(k) plans, stock-option and deferred-compensation strategies, and business succession planning. He is a Portfolio Manager designated in the Merrill Investment Advisory Program, offering personalized investment management tailored to clients' objectives. Bill earned a Bachelor of Business Psychology from Palo Alto University and a Master of Science in Personal Financial Planning from the College for Financial Planning. He holds multiple advanced designations, including Chartered Retirement Planning Counselor (CRPC), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Plans Specialist (CRPS), and is a Portfolio Investment Manager. Before joining Merrill Lynch, he spent 17 years at Wells Fargo Advisors and held advisory positions at Bank of America Investment Services, UBS/PaineWebber, and Great Western Investment Services. He is a member of the Los Gatos Chamber of Commerce and lives in Los Gatos, California, with his wife, Debora. Together, they are involved in the community and spend time with their four adult children.

Huan Lai serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to help preserve and grow their assets through proactive planning and a disciplined investment process. He specializes in creating customized portfolio strategies that encompass alternative investments, personalized tax minimization strategies, wealth transfer planning, and philanthropic solutions tailored to High Net Worth individuals. Huan's expertise includes corporate executive services, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, defined benefit plans, personal retirement planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income planning. 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 Accredited Financial Advisor (RAFA). Born and raised in southern China, Huan earned a Bachelor's degree from Peking University and an MBA from the Monterey Institute of International Studies. He is a member of professional organizations such as the PKU Alumni Golf Association and the Peking University Alumni Association of Northern California (PKUAANC). He speaks both English and Chinese.

Kevin Chen is a Wealth Management Advisor at Merrill Lynch Wealth Management based in San Jose, California. He works with a diverse group of clients, including high net worth individuals, professionals, business owners, startup companies, endowment funds, engineers, and multi-generational families. Kevin focuses on creating comprehensive wealth management strategies that consider all aspects of his clients' financial lives, including investment advice and identifying potential risks and liabilities. His services cover areas such as personal portfolio management, retirement and estate planning, endowment fund management, social governance (ESG) investing, corporate benefit and retirement plans, liability restructuring, concentrated position management, business exit planning, multi-generational education, cash management, insurance, and collaboration with clients' legal and tax professionals. Additionally, Kevin assists startup companies and their founders throughout the business cycle, from initial funding to exit events. Kevin holds a Bachelor's degree from the University of Southern California and holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is fluent in Mandarin and English and is a member of Phi Sigma Kappa and the USC Alumni Association. Kevin is a native San Franciscan residing in the Bay Area with interests in traditional archery and classic car restoration. He supports community organizations such as the Pacific Center for Autism Education, Friends of Children with Special Needs, and GiveTeens20.

Teresa Johnson is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she is the sole owner of a rental property in Nampa, Idaho. 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 institutions.

Bang Tran is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has been with Bank of America and Merrill since 2011. Outside of his advisory role, he is a co-owner of a rental property with family members. 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 using model-based and discretionary investment strategies.

Daryl Dehn is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients as part of one of the top teams in Silicon Valley. In this role, he works closely with individuals to help them achieve financial independence by developing personalized financial strategies tailored to their unique goals. Daryl emphasizes honesty, transparency, and fairness throughout his advisory process, leveraging the resources and insights of Merrill and Bank of America to provide comprehensive wealth management solutions. His expertise spans a broad range of client focus areas, including college education planning, equity compensation services, family wealth management, retirement income, and services for defined benefit plans. Daryl collaborates with clients to translate their aspirations into specific investment objectives and actively manages portfolios designed to pursue long-term financial success. Daryl holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma from Valley Christian. He is involved in community organizations such as HRC and the LGBT Youth Center, reflecting his commitment to giving back and supporting the communities he serves. Outside of his professional work, Daryl enjoys biking, boating, hiking, horseback riding, ice hockey, music, running, and spending time with his family.

Behrooz Ighani is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he offers a comprehensive approach to managing wealth by understanding clients' financial situations and what matters most to them. He helps create customized wealth management strategies that are flexible to changing needs and market conditions, providing access to investment insights from Merrill and banking solutions from Bank of America. Ighani's expertise includes college education planning, divorce transition planning, executive compensation, institutional investment consulting, retirement planning, portfolio management, socially responsible investing, tax minimization, and retirement income strategies. He dedicates time to understanding each client's unique needs and educating them to develop achievable goals and implement effective financial strategies. He holds a Master's Degree from Santa Clara University and a Bachelor's Degree from the California State University System. Before entering financial services, he worked as a design engineer in Silicon Valley. Behrooz is involved in professional organizations such as the CFA Society and IEEE Organization, and community groups including Stratford Schools, the Zoroastrian Association of Northern California, and the Alzheimer's Association. In his personal time, he enjoys boating, cooking, golfing, skiing, tennis, and yoga, and values mental and physical well-being, as well as personal development.

Owen Byrnes is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Byrnes & Associates team, which manages $905 million of entrusted client assets as of April 4th, 2026. He provides wealth management services with a focus on helping clients navigate the complexities of their full financial picture. His approach includes creating flexible strategies that adapt to changing market conditions, leveraging investment insights from Merrill, and utilizing the banking and lending solutions of Bank of America. Owen specializes in areas such as college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, portfolio management services, tax minimization, and retirement income. He works one-on-one with clients to develop personalized financial strategies aligned with their long-term goals. He holds a Bachelor's Degree from the University of Nevada - Reno and is a Personal Investment Advisor (PIA). Outside of his professional work, Owen enjoys golfing, playing pickleball, and spending time with his family.

Troy Reese is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles in real estate capital and investment services, including positions at Kingsbarn Real Estate Capital and Marcus & Millichap. 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.

Megan Lui is a Financial Advisor at Merrill Lynch Wealth Management. She leverages her background in consulting and the technology industry to provide comprehensive financial planning and investment consulting services. Megan specializes in working with clients in the technology and healthcare sectors, as well as social media influencers and entrepreneurs, helping them navigate wealth accumulation and long-term financial strategies. Megan holds a Bachelor's Degree from the University of Michigan and has earned the Personal Investment Advisor (PIA) designation. Her focus areas include college education planning, family wealth management, legacy planning, LGBT wealth planning, liquidity management, and portfolio management services. She is committed to building meaningful client relationships and creating personalized financial strategies that align with individual goals and priorities. Outside of her professional role, Megan has various personal interests including boxing, drawing/sketching, gardening, hiking, music, photography, pottery, running, traveling, and volleyball.

Mitchell Fulton is a Financial Advisor at Merrill Lynch Wealth Management based in the San Jose, California office. He has over 12 years of experience in the financial services industry, providing wealth management and investment guidance to small business owners, corporate executives, high-net-worth individuals, and their families. Mitchell focuses on developing personalized financial strategies that align with clients' income, growth expectations, risk tolerance, and liquidity needs to support their short- and long-term financial goals. Born and raised in Michigan before moving to California, Mitchell holds a degree from Santa Clara University. He is a Certified Exit Planning Advisor (CEPA) and a Personal Investment Advisor (PIA). His expertise includes liability-driven investing, asset allocation, and tax efficiency. Mitchell prioritizes understanding each client's current financial situation and aspirations to create customized wealth management plans that can adapt to changing market conditions. In addition to his professional work, Mitchell is involved in his community as a member of the San Jose Rotary Club and the Men's Club at St. Frances Cabrini. He applies his philosophy of "Service above Self" in both his client relationships and personal life.

Troy Lui is a Financial Advisor at Merrill Lynch Wealth Management. He transitioned into wealth management after several years in the technology industry, drawing on his personal experience to guide clients in proactive financial planning. Troy focuses on helping professionals, particularly those in fast-paced industries, as well as families considering important life decisions and fostering financial confidence for future generations. His areas of expertise include education planning, employee benefits planning, equity compensation services, family wealth management strategies, LGBT wealth planning, managing new wealth, personal retirement planning, socially responsible and values-based investing, tax minimization, and retirement income. Troy holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his Bachelor's degree from the University of California Davis. Outside of his professional work, Troy enjoys spending time with his family, gardening, basketball, cooking, interior decorating, music, pickleball, singing, skiing, and traveling.