Keith Zemsky is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. He advises individuals and families on comprehensive wealth planning and investment strategies, coordinating across specialists to help clients navigate major financial inflection points such as liquidity events, lending needs, philanthropy, and complex wealth transfer decisions. Prior to joining Merrill Lynch, Keith managed approximately $250 million at a major US asset manager. His client practice is evenly split between billionaire clients and those with assets in the $1-10 million range. Before entering wealth management, he gained hands-on operating experience as a business owner and commercial real estate professional. Early in his career, Keith was the Principal and Managing Member of a commercial solar energy startup, where he sourced projects, negotiated rooftop leases, built business partnerships, and developed financial models for alternative energy investment portfolios. He also served as Director of Business Development at a real estate holding company, managing valuations and negotiations including executing a major land sale and development contract. Keith earned his Juris Doctor from The George Washington University Law School and a Bachelor of Arts in Government from Franklin & Marshall College. He is admitted to practice law in New Jersey and New York and holds FINRA and NFA registrations including Series 3, 7, 31, 63, and 66. Keith holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A New Jersey native, Keith enjoys adventure sports, football, spending time with his family, and traveling.

David Arias is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Merrill in 2024, he worked at UBS Financial Services for six years and Deutsche Bank Securities Inc for two 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Reese Mayer is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, Mayer held roles at Doordash and Performance Wealth, and has an academic background with multiple positions at Northwestern University and the University of Notre Dame. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Anna Desantis is a financial advisor at Merrill with a Series 66 credential and five years of industry experience. She has worked at Merrill since 2019 and has held roles at the Department of Sanitation, Francesca's, and multiple academic institutions including Baruch College and Hunter College. 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.

Juan Tapia is an International Wealth Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2004, he has leveraged over 14 years of experience serving international high net worth individuals and their families. Juan focuses on developing portfolio strategies, asset allocation, and diversification, employing a disciplined investment and wealth management process to help clients achieve their financial objectives within their risk tolerance. His areas of expertise include family wealth management strategies, international wealth management, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Juan holds a Bachelor's Degree from ITESM and is a Personal Investment Advisor (PIA). He is fluent in both English and Spanish. Outside of his professional work, Juan enjoys bowling, football, racquetball, and traveling.

Aimee Cullen is a financial advisor with Merrill in New York, NY, holding CFP® and Series 66 credentials and bringing 17 years of industry experience. Her prior work includes roles at Bank of America, Focus Partners Wealth, Mintz Levin Financial Advisors, and LPL Financial. She serves as a trustee of an irrevocable life insurance 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 a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions.

Kriya Amin is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in college education planning, family wealth management strategies, managing new wealth, small business strategies, tax minimization, and retirement income. In her role, she is committed to helping clients build strong financial futures and equipping them with the tools needed to achieve their goals. Kriya holds a Bachelor's Degree from Rochester Institute of Technology, a Medical Doctorate from Ross University, and an MBA from Georgetown University. She has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Fluent in English and Spanish, she works with clients from diverse backgrounds to develop individualized financial plans tailored to their unique situations. Outside of her professional career, Kriya enjoys football, golfing, hiking, rock climbing, singing, and soccer.

Robert Bratman is a Senior Financial Advisor with Merrill Lynch Wealth Management. He also serves as a Senior Portfolio Advisor, managing custom investment strategies and selecting from a wide range of Merrill Lynch model portfolios and third-party investment strategies on a discretionary basis. Robert holds the Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) credential. With over a decade of experience, Robert began his career servicing clients at Morgan Stanley before joining Merrill Lynch Wealth Management in 2015. He specializes in tailoring planning strategies for high net worth and ultra-high net worth individuals and families, with a particular focus on assisting attorneys at top-tier law firms in managing firm transitions, partnership appointments, and capital contribution funding. His expertise encompasses retirement planning, asset management, debt consolidation, estate planning, education planning, gifting strategies, and life insurance. In addition to his advisory duties, Robert participates in Merrill Lynch's Financial Advisor Development Program as a coordinator, mentoring new advisors weekly. He holds a Bachelor's Degree from CUNY Brooklyn College. Outside of work, Robert dedicates time to tutoring youth in his community and enjoys spending time with his family, traveling, and supporting his daughter's ballroom dancing competitions.

Shreyas Sharma is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he held positions at several companies including Best Buy, Amazon, and LifeTime Fitness. Outside of his advisory role, he has ongoing involvement with DoorDash. 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 plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

David Loman is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management in New York City. He specializes in creating tailored financial strategies and providing investment advice to individuals and families, focusing on retirement planning, benefits optimization, and asset allocation. He also offers retirement plan services to businesses, including investment policy statement drafting and review, retirement plan design assistance, investment fund menu management, and employee education. David holds several professional designations: Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Chartered Retirement Planning Counselor (CRPC). He is a member of the CFA Society in New York. Prior to joining Merrill Lynch Wealth Management in 2014, he earned a Bachelor of Business Administration degree in International Business from the Sellinger School of Business and Management at Loyola University Maryland. Originally from Northern New Jersey, David lives in Manhattan with his wife and son. His personal interests include reading, travel, golf, and cooking. He is involved with professional organizations such as the American Heart Association and the Leukemia & Lymphoma Society.

Yuchen Lin is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill, Lin held positions at Cushman & Wakefield, Baruch College, and Mount Sinai Health System. 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 investors, pension plans, and charitable organizations.

Anika Raschid is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked at firms including Bank of America, HighTower Advisors, Eagle Capital Management, and Merrill Lynch. Raschid also spent four years at Baruch 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 (SPS) Program. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kyle Rugg is a Financial Advisor at Merrill Lynch Wealth Management and a member of The Kiefel Group. He joined The Kiefel Group in 2013 and is involved in providing wealth planning services to individuals and families, including strategies for family wealth management, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. Kyle holds a Bachelor of Science in Business Management from Portland State University and a High School Diploma/GED from Western Oregon University. He has over seven years of experience in the finance industry and is a Personal Investment Advisor (PIA). As part of The Kiefel Group, he was named to the 2023 and 2024 Forbes "Best-in-State Wealth Management Teams" list. Outside of his professional role, Kyle enjoys fishing, golfing, hunting, and spending time with his family. He is also involved in community activities associated with the Charbonneau Golf Club, Goose Hollow HOA, and Silverton Hospital.

Jie Yang is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2020, following four years at Bank of America NA. Merrill, alongside 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 developed by internal and third-party managers.

Kelly Drotar is a financial advisor at Merrill with 22 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Merrill since 2007. 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.

Connor Introna is a Financial Advisor with Merrill Lynch Wealth Management, where he assists individuals, families, and business owners in navigating financial decisions through personalized wealth management strategies. His professional experience includes investment banking, equity research, and advisory roles at major financial institutions, providing a solid foundation in investment analysis, capital markets, and planning. He specializes in personal retirement planning, individual and corporate investment strategy, and retirement income. Connor holds a Bachelor's Degree from The College of New Jersey and a Master's Degree from Boston University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, Connor's personal interests include badminton, billiards, bowling, chess, cooking, music, singing, table tennis, traveling, and watching movies. His mission is to empower clients to achieve financial confidence and long-term success through personalized advice, disciplined planning, and a commitment to their goals.

Gwendolyn Seto is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She has previously been involved with Columbia University in various roles, including service on the Recruitment Committee and positions within the Computer Science and Economics departments. 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.

Natalie Knauf is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Her prior experience includes roles at Babson College and consulting with GRIPHR Consulting. Outside of finance, she works part-time at a SoulCycle studio in Boston, assisting with front desk and studio organization. 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 to a broad client base including individuals, high-net-worth clients, and institutions.

Jinfeng Yuan is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, New York Life Insurance, Citizens, and JPMChase, among others. Yuan also has experience in education, having been affiliated with Southern New Hampshire University and Charlestown High School. 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.

John O Brien is a financial advisor at Merrill with Series 63 and Series 65 credentials and five years of industry experience. His prior roles include positions at Bank of America, The Vanguard Group, and FinWise Bank. Outside of finance, he has worked in diverse fields including real estate and sales. 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 investors.