Kerem Karantay is a financial advisor at Merrill with 15 years of industry experience. He holds a Series 66 designation and has been with Merrill Lynch since 2006. 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 individual, high-net-worth, pension, corporate, and charitable clients.

Betty Yue is a financial advisor at Merrill with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 2008. 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 strategies constructed by internal teams and third-party managers.

Vuk Bulajic is a Brokerage Services Financial Advisor - TL at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Vuk earned his Bachelor's Degree from Columbia University.

Francesca Martin is a financial advisor with Merrill, holding a Series 66 designation and six years of industry experience. She has worked at Bank of America and Merrill since 2017 and is also an officer at Small Gems Boutique, an online accessories retailer. 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 individual and institutional clients.

Dominic Kruszelnicki is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their personal perspectives and priorities, developing tailored financial plans aimed at achieving individual and family goals. His approach involves connecting clients to the people, plans, and processes that align with their unique ambitions, covering areas such as education funding, retirement lifestyle preparation, health care cost planning, and long-term wealth management. Dominic’s expertise spans general investing, retirement planning, and strategies for unexpected financial needs. Holding a Personal Investment Advisor (PIA) designation, he emphasizes simplicity and transparency in navigating the complexities of wealth planning. He is fluent in English, Polish, and Spanish, which enables him to serve a diverse client base. He earned a bachelor's degree from the University of Massachusetts System. Dominic’s professional philosophy centers on uncovering what matters most to clients and their families to help create effective, personalized financial strategies.

Yanira Pichardo is a Wealth Management Advisor. [No additional information regarding Yanira Pichardo’s experience, education, credentials, areas of expertise, or personal interests has been provided.]

Noah Baum is a Financial Advisor at Merrill Lynch Wealth Management. He works with successful professionals, business owners, executives, and families who value thoughtful planning and informed decision-making. Noah's approach centers on connecting the moving pieces of his clients' financial lives, bringing perspective, discipline, and long-term thinking to key financial decisions. His expertise includes institutional investment consulting, portfolio management services, and tax minimization. Noah assists clients in evaluating retirement timing, managing concentrated stock positions, planning for future liquidity needs, supporting family goals, and navigating major life transitions. As a Certified Financial Planner (CFP), Certified Divorce Financial Analyst (CDFA), and Personal Investment Advisor (PIA), he focuses on helping clients organize complexity, evaluate tradeoffs, and pursue their financial goals with confidence. Noah holds a Bachelor's Degree from the University of Delaware. Outside of work, he enjoys hiking, reading, and spending time with his family.

Uriel Gulich is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, he held roles at Rutgers University intermittently from 2021 to 2025 and worked briefly at Wells Fargo and Adar Educational Technologies LLC. Outside of finance, he has a background that includes extended travel and teaching at TABC 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gregory Heilbronn is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his current role, he oversees the group’s trading activities, managing order flow and collaborating with the municipal bond desk, taxable fixed income desk, and high-net-worth trading desk. He is also involved in rebalancing client portfolios and initiating tactical investments. Gregory joined Merrill Lynch Wealth Management in 1996 and holds the Personal Investment Advisor (PIA) designation. He earned his bachelor's degree in economics and marketing from Syracuse University in 1990. Outside of his professional responsibilities, Gregory is an experienced soccer player and coaches the sport for pre-teens. He resides in East Windsor, New Jersey with his family.

Michael Annicelli is a Senior Financial Advisor with Merrill Lynch Wealth Management and The Snyder/Balducci Group. Since joining the team in 2014, he has focused on developing customized wealth management strategies for businesses and high-net-worth individuals and families. His responsibilities include managing client relationships, coordinating wealth succession and estate planning services, and providing access to cash management services through Bank of America. As a Senior Portfolio Advisor, Michael manages discretionary investment strategies, selecting from a range of Merrill model portfolios and third-party investment options to help clients pursue their financial objectives. Michael began his career in the financial industry in 1996 and holds the Personal Investment Advisor (PIA) professional designation. He earned a Bachelor's degree in Accounting from The Pennsylvania State University Smeal College of Business and a Juris Doctor degree from Roger Williams University School of Law. Although he does not provide legal advice in his role, his educational background supports his comprehensive approach to wealth management. Michael divides his time between New York City and Sag Harbor, New York.

Ava Lake is a Series 66 licensed financial advisor at Merrill with two years of industry experience. She has held prior roles in education, including at Robbinsville Public Schools and the University of South Carolina. 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 Carlos Sapien is a Financial Advisor with the GTZ Group at Merrill Lynch Wealth Management. Since joining the team in 2019, he serves as a team financial advisor focusing on comprehensive wealth management strategies for high to ultra-high net worth individuals, families, and businesses both domestically and internationally. His work involves developing tailored financial strategies driven by clients’ individual goals and priorities, with an emphasis on family wealth management, portfolio management, retirement income, and investment strategies for individuals and corporations. Juan Carlos holds a bachelor's degree in finance from the University of Arizona, Eller College of Management. He also holds the Series 7 and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. Fluent in English and Spanish, he is committed to educating clients about the investment process and financial planning, helping them navigate the complexities and opportunities presented by the markets. Outside of his professional role, Juan Carlos enjoys football, traveling, and spending time with his family.

Irene Giannopoulos is a financial advisor at Merrill with Series 63 and Series 66 licenses and four years of industry experience. Her prior experience includes roles at Morgan Stanley, Stifel Nicolaus & Company, and Northwestern Mutual. She also spent two years at Fordham University before entering the financial services industry. 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.

Sophia Sudzina is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Her career includes positions at Bank of America Merrill Lynch and Raymond James. She studied at the University of Michigan and has been involved with Bloomfield Hills Swim and Tennis. 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 strategies managed by internal Chief Investment Office teams and third-party style managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Homer Vergniaud is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Wealth Management and the University of Virginia. 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 individual and institutional clients.

Venkat Rahul Reddy Vemuru is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at several organizations including Nextsource, Fairstead, Emerging Markets Investors Alliance, Environmental Defense Fund, and Columbia University. 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.

Jonathan Greenfield is a financial advisor with Merrill in New York, NY, holding a Series 66 designation and four years of industry experience. Before joining Merrill in 2021, he worked at FactSet Research Systems from 2018 to 2021 and has held positions at Citibank, Northwestern Mutual, and the University of Delaware. 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, with a focus on strategic and tactical asset allocation and tax-aware options.

Patrick Cobb is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, National Financial Services, FIDELITY Brokerage Services LLC, and Bryant University. Merrill, along 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. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, with various features including tactical asset allocation and tax-aware options.

Trevor Sears is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2013. 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 and profit-sharing plans, corporations, and charitable organizations.

James Gotti is a financial advisor at Merrill in New York, NY, holding a Series 63 designation with 35 years of industry experience. He has worked at Merrill since 1990 and has been affiliated with BofA Securities, Inc. since 2019. Outside of his advisory role, he serves as a trustee for a trust established in 2004. 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.