Andrew Cronin is a financial advisor with Merrill in New York, NY, holding the Series 66 designation and four years of industry experience. His prior roles include positions at Point 72 Asset Management, Twin Oak Capital within Millennium Management LLC, and Eagle Bulk Shipping Inc. He also has experience working at Bucknell University and New Canaan 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael O'Neill is a Senior Financial Advisor with Merrill Lynch Wealth Management and a partner on The 712 Investment Group. In this role, he manages the team’s investment platform by screening, selecting, and reviewing both internal and third-party strategies, as well as constructing portfolios for clients. Michael provides advice on financial strategies and wealth management, focusing on long-term planning and assisting with cash flow management, retirement planning, education planning, liability management, trust and estate solutions, and portfolio construction. Michael began his career with Merrill Lynch Wealth Management in 2009. His client focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds a Bachelor's Degree from Salve Regina University in Newport, Rhode Island, and has earned the Personal Investment Advisor (PIA) designation. Michael resides in Hoboken, New Jersey, with his wife, Bridget, and son, Brady. Outside of work, he enjoys basketball, football, golfing, reading, running, and spending time with his family.

Shane Duffy is a financial advisor with Merrill in New York, NY, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Bank of America and Equitable Advisors, as well as experience working for the City of Tallahassee and in education at Tallahassee Community College and Florida State University. 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.

Juan Espitia Aguila is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. His prior work includes roles at Wells Fargo Clearing and Rocket Mortgage, LLC. 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.

Eli San Emeterio Morales is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings a distinct perspective shaped by his service in the United States Air Force, where he completed two enlistments including support of Operation Desert Shield/Storm and served as a radar technician for seven years. His military experience underscores his commitment to detail and precision, qualities he applies in helping clients manage and grow their assets. Eli directs wealth management strategy, asset allocation, manager evaluation, and liability management for a diverse client base that includes business owners, medical professionals, attorneys, tribal governments, and private foundations across Los Angeles, Orange, and San Bernardino counties. Eli’s approach centers on partnering with clients through a rigorous planning process that reflects their goals and circumstances. He provides intergenerational wealth management and tax minimization strategies, often coordinating with clients’ attorneys and CPAs. He also offers discretionary portfolio management, utilizing personalized strategies that may include individual securities, Merrill Lynch model portfolios, and third-party investment options. His client focus areas include college education planning, family wealth management, legacy and liquidity planning, retirement income solutions, and socially responsible investing. Eli holds a Personal Investment Advisor (PIA) designation and earned an associate degree from the Community College of the Air Force (CCAF). Outside of his professional duties, Eli is involved with charitable organizations such as Make-A-Wish and the Wounded Warrior Project, and actively supports his children’s sports teams. His personal interests include adventure sports, baseball, boating, football, golf, music, swimming, traveling, and spending time with his family.

Caroline Ross is a Wealth Management Advisor at Merrill Lynch Wealth Management with 26 years of experience. She works alongside John Levine on a client-focused team dedicated to helping families achieve their financial goals through personalized, service-oriented wealth management. Caroline's approach involves understanding each client’s unique life circumstances and values to develop customized financial strategies that align with their long-term objectives. Her expertise includes family wealth management strategies, personal retirement planning, and serving clients in the sports and entertainment sectors. Caroline adheres to a disciplined process that integrates comprehensive financial solutions from Total Merrill, facilitating ongoing reviews to adapt strategies as clients’ lives and businesses evolve. She holds multiple professional designations, including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA), among others. Caroline earned her master’s degree from the NYU Stern School of Business and a bachelor’s degree from Georgetown University. She is also actively involved in community volunteer work and has a personal interest in pickleball, running, swimming, and tennis.

Kim Pino is a Brokerage Services Financial Advisor at Merrill Lynch Wealth Management and is part of the Direct Markets Coverage (DMC) Group. She provides personalized guidance and curated market insights to ultra-high-net-worth families, business owners, and family offices. By combining strategic planning with access to intelligence from the Chief Investment Office, BofA Global Research, the Investment Solutions Group, and third-party analytics, Kim develops bespoke trading strategies tailored to her clients' financial goals, risk profiles, and market outlooks. With over 25 years of industry experience, including nine years as a Financial Advisor at Merrill Lynch and 17 years as a Director and Institutional Sales Equity Trader at TD Securities USA, Kim brings expertise in institutional trading, ultra-high-net-worth client engagement, multi-asset execution strategies, advanced portfolio construction, and manager selection across traditional and alternative assets. Her background in institutional research and technical market analysis supports her client-centric approach and strategic insight. Kim holds a Bachelor's Degree from Long Island University and holds Series 7, 66, 24, 55, and 63 FINRA registrations, as well as the Personal Investment Advisor (PIA) designation. She is involved in community organizations including the Ellevate Network - Long Island, the Garden City Scholarship Fund, and the Women's Exchange.

Joseph Arena is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. since 2012, Merrill since 2011, and previously at VOYA Financial Advisors, Inc. from 2009 to 2011. Merrill, along 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, and institutional accounts, supported by internal and third-party investment managers.

Anna Kansol is a financial advisor at Merrill with two years of industry experience and a Series 66 designation. Prior to joining Merrill in 2022, she held positions at AMC Networks, WebMD, L'Oréal, and other companies. She has experience across multiple sectors, including media and consumer products. 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.

Andrew Crean is a financial advisor at Merrill with Series 63 and Series 65 designations and four years of industry experience. His prior work includes roles at Florida Financial Advisors and Trial X, as well as positions unrelated to finance including at Spotless Gutters and Loyola University of Maryland. 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 range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nawabzadi Giambona is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2018, including prior roles at Trust Co Bank and Bank of America. Outside of her advisory work, she is a co-owner of family rental properties in New York. 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.

Robert Ho is a financial advisor with Merrill in New York, NY, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Chase, Pet Supplies Plus, and Hunter College. He also serves as a trustee of an irrevocable 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brian Dalton is a Wealth Management Advisor with Merrill Lynch Wealth Management. He provides traditional financial advice and guidance while developing personalized investment strategies that include individual stocks and bonds, Merrill model portfolios, and third-party investment options. Brian manages these strategies on a discretionary basis through the firm’s Investment Advisory Program and specializes in addressing concentrated risk exposures by leveraging his background in options and derivatives. Brian’s areas of expertise encompass custom wealth and liability management strategies tailored for financial services professionals. His client focus includes corporate executive services, executive compensation, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. He holds the Personal Investment Advisor (PIA) designation and maintains Series 7, Series 3, and Series 66 FINRA registrations as well as insurance licenses. Brian earned a Bachelor's Degree from Indiana University. Outside of his professional work, he enjoys boating, camping, cooking, gardening, photography, reading, running, skiing, traveling, and spending time with his family. He resides on the Upper East Side of New York City with his wife.

Pamela Stein is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 63 designation and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999. 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 developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Bishop is a Financial Advisor at Merrill Lynch Wealth Management. He started his career with the team in 2022 as a Seasonal Wealth Management Client Associate and has since taken on his current advisory role. He works as part of an eight-person team with over 100 years of combined experience focusing on personalized strategies to help clients achieve their financial goals. Matthew holds a Bachelor of Science in Business Administration and a Master of Science in Finance from the University at Buffalo. He also holds the Personal Investment Advisor (PIA) designation. His areas of expertise include college education planning, divorce transition planning, family wealth management, managing new wealth, retirement planning, investment strategy, tax minimization, and retirement income. Outside of his professional work, Matthew enjoys playing and watching sports such as baseball, basketball, football, golfing, tennis, and pickleball. He is also involved in community initiatives through the Emerging Leaders program with United Way and Tomorrow's Leaders with the Cystic Fibrosis Foundation.

Eddi Kalantarzadeh is a financial advisor with Merrill in New York, NY, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Merrill and Bank of America, N.A., he worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. for three years. 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.

Jessica Lang is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Stifel for 15 years before joining Merrill in 2022. 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, pension plans, corporations, and charitable organizations.

Shane Loos is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2022 and previously held positions at Bank of America, N.A., Heritage Management Services, and Marist College. 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.

Christine Ruggiero is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 66 designations and has been with 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, pension and profit-sharing plans, corporations, and charitable organizations.

Qitong Huang is a financial advisor at Merrill with one year of industry experience and holds a Series 66 designation. Prior to joining Merrill, Huang worked at Triveni Capital and was associated with the Yale School of Management and the University of Toronto. 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.