Connie Dullum is a Senior Consultant at Merrill Lynch Wealth Management, where she serves as a business manager for the Kauls Group. In this capacity, she focuses on supporting the operational efficiency of the practice and works with clients on the lending side, offering securities-based lending, mortgages, and home equity lines of credit through Bank of America, N.A. Her client focus areas include personal retirement planning, women and wealth, and retirement income. Connie began her career at Merrill in 1992, initially working as a Client Associate and later holding management positions before returning to the Kauls Group. She holds a Bachelor’s degree from the University of North Dakota and an MBA in finance from the University of St. Thomas, St. Paul, MN. Connie is also a Personal Investment Advisor (PIA) and a member of TeamWomen MN. Outside of her professional role, Connie is involved with Habitat for Humanity and Grace Church in Eden Prairie. She lives in Minnetonka with her husband and teenage daughter, and her personal interests include biking, cooking, running, and spending time with her family.

Darcie Scheuring is a Wealth Management Advisor and Partner in The Scheuring Group at Merrill. She focuses on addressing clients' wealth management needs including pre- and post-retirement planning, cash flow flexibility, customized investment portfolios, liability management, education expenses, and estate coordination. Darcie aims to provide clarity, discipline, and control in the wealth planning and investing process, working closely with clients to track progress and make necessary adjustments throughout their changing lives. Darcie holds a Bachelor's degree in Journalism from Marquette University and a Master's degree in Business Administration with a concentration in Finance from the University of St. Thomas. She joined Merrill in 2001 and has earned several professional designations, including the CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). A lifelong resident of the Twin Cities, Darcie currently lives in St. Paul, MN with her husband and two daughters. She is not currently a member of any professional organizations nor involved in community volunteering.

Amanda Morris is a Series 66-licensed financial advisor with Merrill in Minneapolis, MN, with two years of industry experience. Prior to joining Merrill, she worked at DS Erickson & Associates PLLC and has held various roles outside the financial industry, including positions at American Legion Post 620 and Vannelli's at the Post. 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.

Aren Faruq is a Senior Financial Advisor with the Duddingston Sylvester Group at Merrill Lynch Wealth Management in Minneapolis, Minnesota. He provides comprehensive financial guidance to individuals and families, focusing on developing personalized strategies that address a wide range of client needs such as portfolio management, retirement planning, corporate benefits, and executive compensation. Aren’s approach emphasizes uncovering efficiencies across multiple wealth disciplines, with particular expertise in 401(k) plan design and service, investment management, and employee stock option transactions. With more than two decades of experience in financial services, Aren began his career in 2001 as a financial advisor with Morgan Stanley in Washington, D.C. He has since held roles including foreign exchange trader, market analyst for EGid (a subsidiary of the Egypt Stock Exchange), and senior corporate accounts manager with Commonwealth Foreign Exchange. Aren holds dual bachelor's degrees in Economics and International Affairs from The George Washington University, where he was also the captain of the men's swimming and diving team. His professional credentials include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Aren serves on The Blake School Alumni Board and is involved in community organizations such as Footworks Miami, Loaves and Fishes, and Appetite for Change. Outside of work, he participates in endurance fitness events including triathlons, and spends time with his wife and three children. His interests include swimming, boating, cooking, golfing, racquetball, running marathons, tennis, and traveling.

Christopher Burque is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Minneapolis, Minnesota. He joined Merrill Lynch in 1998 and has since developed significant expertise in working with senior executives, assisting them with employee stock options, restricted stock, and managing concentrated stock positions through sophisticated hedging strategies. As a qualified Portfolio Manager, Christopher provides traditional advice and guidance, while also managing personalized or defined investment strategies on a discretionary basis that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Christopher holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and the Certified Investment Management Analyst® (CIMA®) designation following coursework through The Wharton School, University of Pennsylvania. He earned degrees in Finance, Investment Banking, Management, and Human Resources from the University of Wisconsin-Madison, where he was a member of the Golden Key National Honor Society. He is an active member of the Investments & Wealth Institute™ and contributed to the development of updated questions for the CIMA® examination. In addition to his advisory role, Christopher has held leadership positions within Merrill, including Associate Director of the Twin Cities Metro Complex and coaching roles for financial advisors and management staff. He has served on the boards of the YMCA of Dane County and held positions with United Way in Dane County and the Twin Cities. Christopher resides in Minnetonka with his wife Jill and their two children. His personal interests include boating, football, golfing, ice hockey, skiing, and spending time with his family.

Paul Melancon is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 26 years of experience in the financial advisory field. In his role as a Portfolio Manager within Merrill's Investment Advisory Program, Paul focuses on developing and implementing customized investment strategies to help clients achieve their financial goals. His approach prioritizes clients' objectives while maintaining attention to market dynamics. Paul's expertise encompasses areas such as college education planning, family wealth management strategies, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds an MBA in Finance from the University of Chicago Graduate School of Business and a bachelor's degree in Finance from the University of Wisconsin-Madison. Additionally, Paul has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional activities, Paul lives in Minneapolis with his wife and two children. He volunteers at Loaves and Fishes, contributing to food preparation and distribution for those in need. His personal interests include cooking, hiking, reading, spending time with his family, and traveling.

Richard De Souza is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth management services for busy professionals. He focuses on retirement planning, college education planning, insurance and risk mitigation, financial strategies, legacy planning, and access to lending and cash management services through Bank of America. Richard works closely with his clients to develop clear financial goals and strategies, enabling them to preserve their most important assets and concentrate on their careers and families. With over 14 years of experience in the financial services industry, Richard began his career in 2008 and has since supported clients through various complex financial needs, including portfolio management and retirement income distribution planning. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and the Personal Investment Advisor (PIA) certification. Richard earned a Bachelor's degree from the University of Minnesota System. Richard lives in Minneapolis and volunteers with Books for Africa, a nonprofit organization dedicated to collecting and distributing books to African students. In his free time, he enjoys biking, cooking, golfing, music, soccer, table tennis, and traveling.

Natalia Castaneda is a financial advisor at Merrill with 18 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019, previously spending nine years at Morgan Stanley Smith Barney. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Borash is a Senior Financial Advisor with the Duddingston Sylvester Group at Merrill Lynch Wealth Management. He provides tailored advice and guidance to individual and executive clients, focusing on aligning their financial strategies with personal objectives and priorities. Matthew specializes in executive compensation, equity compensation services, legacy planning, managing new wealth, personal retirement planning, and tax minimization, assisting clients in making informed decisions around retirement strategy, wealth planning, investment management, business modeling, cash flow, and customized lending access. Matthew began his career at Merrill as an intern in 2017 and joined full-time in 2018, progressively taking on increasing responsibilities. He holds a Bachelor of Business Administration in Finance from the University of Minnesota Duluth and maintains professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Matthew also holds the qualification of Senior Portfolio Advisor, enabling him to manage discretionary custom investment strategies for clients. Outside of his professional role, Matthew participates in Ducks Unlimited and enjoys outdoor activities such as skiing, golfing, boating, camping, fishing, hunting, soccer, and traveling. He values spending time with family and appreciates the seasonal opportunities offered by Minnesota’s environment.

Mark Holtz is a financial advisor at Merrill in Minneapolis, MN, holding Series 63 and Series 66 designations with 11 years of industry experience. He has been with Merrill since 2014. 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 various institutional investors.

Troy Hackney is a Series 66 licensed advisor with Merrill in Minneapolis, MN, with 10 years of industry experience. He has worked at both Merrill and Bank of America since 2016. Outside of his advisory role, he is the owner of Merdeka LLC, a for-profit entity focused on real estate property management and credit building. 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 constructed by internal and third-party managers.

Theresa Ward is a Private Wealth Manager and co-founder of Broughton Ward within Merrill Private Wealth Management. With a career spanning over 40 years exclusively at Merrill, she specializes in creating customized wealth management strategies tailored to high net worth individuals, including corporate executives, business owners, family offices, private equity principals, and institutions. Theresa’s expertise encompasses college education planning, executive compensation, family wealth management, legacy planning, liquidity management, and tax minimization, among other areas. She emphasizes building deep, lasting relationships by intentionally working with a limited number of clients to provide personalized and comprehensive wealth solutions. Theresa holds a Bachelor's Degree from the University of Minnesota and maintains professional designations as a Certified Investment Management Analyst (CIMA) and a Personal Investment Advisor (PIA). Her experience navigating significant market events over four decades informs her approach to simplifying complex financial lives, planning for life transitions, and facilitating family conversations to support positive intergenerational wealth transfer. Her team, Broughton Ward, has earned recognition from Forbes among the top high net worth advisory teams in the country. Beyond her professional commitments, Theresa supports the University of Minnesota as a Trustee for the University Foundation and serves on its Investments Committee. She has held leadership roles with the Interlachen Country Club and remains active in athletics, including tennis and golf. Theresa resides in Minnesota where she balances her professional career with family life and athletic interests.

Drew Johnson is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. Prior to joining Merrill, he worked at AXA Advisors, LLC and has an academic background with time spent at the University of Minnesota and Kansas State University. He is based in Minneapolis, MN. 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.

Anthony Sellman is a Financial Advisor and partner of the Jankowiak Sellman Group at Merrill Lynch Wealth Management. He provides personalized financial advice to executives and business owners, focusing on retirement preparation and navigation. His expertise includes investment management, wealth transfer, pre- and post-liquidity event strategies, and managing concentrated and restricted stock for executives and equity plan participants. Anthony serves high net worth individuals and families by assisting them in growing, maintaining, and transitioning their wealth. He emphasizes goals-based planning and customized financial strategies, aiming to enhance the client experience through a high touch, bespoke, multi-family office approach to wealth management. His client focus areas include college education planning, family wealth management strategies, institutional investment consulting, philanthropic planning, socially responsible investing, tax minimization, and retirement income. He holds a Personal Investment Advisor (PIA) designation and completed his high school education at Monticello High School. He also attended Augsburg College without obtaining a degree. Anthony is involved with the University of Minnesota Masonic Children's Hospital. His personal interests include adventure sports, baseball, biking, camping, golfing, music, reading, spending time with family, tennis, and woodworking.

Megan Murphy is a financial advisor at Merrill with 11 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2015 and is currently also affiliated with Bank of America, N.A. since 2022. 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.

Steven Farrell is a financial advisor with Merrill in Minneapolis, MN, holding Series 63, 65, and 66 designations and with 28 years of industry experience. He has worked at Merrill since 1998 and has been affiliated with Bank of America, N.A. since 2012. 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 constructed by internal and third-party managers.

Cassandra Milbrandt is a financial advisor at Merrill with 19 years at the firm and 8 years of industry experience. She holds Series 63 and Series 65 licenses and is based in Minneapolis, MN. 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 managed by internal teams and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Ward is a financial advisor at Merrill in Minneapolis, MN, with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2014 and Bank of America, N.A. since 2015. Outside of his advisory role, he is associated with an entity named K B in Eden Prairie, Minnesota. 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, with portfolio implementation tailored to client needs.

Kasey Boudouris is a Wealth Management Advisor at Merrill Lynch Wealth Management. She offers expertise in family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, tax minimization, retirement income, and socially responsible, values-based, and ESG investing. Details regarding Kasey’s educational background, professional certifications, or community involvement were not provided. Additionally, no personal interests or biographical information about her were included.

Chrystal Roth is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party portfolio management teams.