Karen Wines is a financial advisor with Merrill in New York, NY, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She 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.

Ehiwario Efeyini is a financial advisor at Merrill with 14 years at the firm and 10 years of industry experience. He holds a Series 66 designation. 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, and institutions.

Harald Gundersen is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America, N.A. since 2008. Outside of his advisory role, he owns HAG Enterprises LLC, a for-profit entity intended to manage real estate holdings. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joelle Ramson is a financial advisor at Merrill with Series 66 credentials and two years of industry experience. Her background includes roles at Bank of America, N.A., and academic positions at Cornell University and Tulane University. She has also engaged in extended travel and worked with community organizations such as Sokol New York and Trinity 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, and various institutional investors.

Charles Bell is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on delivering a comprehensive approach to managing wealth by listening to clients' needs and ensuring strategies are aligned with their financial goals. He utilizes the investment insights of Merrill Lynch and the banking services of Bank of America to address various aspects of clients' financial lives. Charles holds a Bachelor's Degree from Oswego State University and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations.

Benjamin Nerl is a financial advisor with Merrill in New York, NY, holding a Series 66 designation and 19 years of industry experience. He has been with Merrill since 2006 and concurrently associated with Bank of America, NA since 2017. Outside of his advisory role, he serves as an executor for an estate. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Alviar is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing comprehensive wealth management strategies tailored to each client's unique financial goals. By combining investment insights from Merrill Lynch Wealth Management with banking and lending solutions from Bank of America, he addresses multiple facets of clients' financial lives. Michael holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Skidmore College. He is committed to building strong relationships with clients through accessible and knowledgeable service, focusing on understanding their needs and delivering personalized financial strategies.

Landon Thomas is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at The Summit FCU and multiple companies in various sectors such as fitness and retail. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Olivia Shields is a financial advisor at Merrill with a Series 66 credential and one year of experience in the industry. Prior to joining Merrill, she held roles at AlphaSights and Bucknell 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 strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Richard Hutton serves as a Senior Financial Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management. In his role, he advises high net worth individuals by recommending and managing tailored wealth preservation and growth strategies. He has extensive experience in portfolio management services, including discretionary management of Personalized or Defined Strategies that may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. Richard has over 30 years of experience in financial advisory, focusing on areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, sports and entertainment, and tax minimization. He holds a Bachelor's Degree from Princeton University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional pursuits, Richard enjoys golfing, spending time with his family, and traveling. He resides in Westport, CT, with his wife and three children.

Eric Black is a Series 66 licensed financial advisor at Merrill in New York, NY, with eight years of industry experience. He has worked at Bank of America and Merrill since 2018 and previously was employed by the City of New York Department of Education from 2014 to 2018. Outside of his advisory role, he holds a power of attorney position with a non-investment related entity. 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.

Dianne Zipp is a Private Wealth Advisor at Merrill Private Wealth Management. In this role, she provides advice-based investment and planning guidance aimed at simplifying her clients' financial lives. She focuses on building long-lasting relationships with clients and their families while delivering service committed to their long-term financial goals. Dianne brings 18 years of prior banking experience to her advisory work, offering a comprehensive perspective on managing both assets and liabilities. Her expertise includes liability management with access to securities-based lending, residential and commercial financing, and ultra-high-net-worth custom and structured lending through Bank of America. She holds the Personal Investment Advisor (PIA) designation and earned a Bachelor of Science in Finance from Auburn University. Dianne was born and raised in Tampa Bay, where she currently lives with her husband. She serves on the Board of Directors of the Tampa Bay Chapter of the Juvenile Diabetes Research Foundation, reflecting a personal commitment to community involvement.

Scott Liang is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has previously worked at Nippon Life Global Investors Americas, Star America Infrastructure Partners, and Credit Suisse. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Curtin Jr. is a financial advisor with Merrill in New York, NY, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has been associated with Bank of America and Merrill since 2000. Outside of his advisory role, he is a managing member of Monsterz LLC, a family-held entity involved in real estate investment. 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 developed by internal and third-party teams.

Wayne Scotto is a Financial Advisor with Merrill Lynch Wealth Management. He works with business owners, executives, and families to navigate major wealth decisions. His role involves bringing clarity, structure, and perspective to important financial decisions, especially in situations involving significant wealth and complexity. With more than 20 years of experience in financial services, Wayne focuses on areas such as family wealth management strategies, liquidity management, managing new wealth, philanthropic planning, portfolio management services, and individual and corporate investment strategies. He supports clients through periods of growth, transition, retirement, liquidity events, and wealth transfer, emphasizing thoughtful planning, disciplined decision-making, and a long-term perspective. Wayne holds a Bachelor's Degree from Saint John's University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, he is involved with Immaculate Conception Catholic Academy in Astoria. His personal interests include biking, genealogy, photography, spending time with his family, and traveling.

Ryan Powelson is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and previously worked at Bank of America. Outside of finance, he has experience working at Preston Trail Golf Club. 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.

Kaisa Ponce is a financial advisor with Merrill in New York, NY, holding Series 63 and Series 66 licenses and six years of industry experience. Her prior work includes roles at Banco Popular, the Financial Management Association, and BMA Group Global. She has also been involved with Hogar Mi Sueño de Oro, a nonprofit 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ubong Ukpong is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has previously worked at Apple, Bank of America, TD Bank, and Clark 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, and institutions, using investment approaches that include strategic and tactical asset allocation and tax-aware versions of related strategies.

Dalia Postigo is a Series 63–registered financial advisor with Merrill in New York, NY, with 20 years of industry experience, all at Merrill since 2006. She is also the owner of CP3 Global LLC, a photography business. 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.

Lori Ray is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2014. She serves as a board member for the Actors Youth Theatre in Gilbert, Arizona, where she is involved in marketing efforts. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.