Christoph Crane is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients across the full wealth management spectrum. He provides a concierge-style wealth management experience, tailoring strategies to the individual wants and needs of each client as they seek to create, grow, and preserve their wealth. Christoph focuses on developing personalized financial strategies designed to help clients pursue their long-term goals. His areas of expertise include corporate executive services, equity compensation services, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, portfolio management, socially responsible and ESG investing, special needs planning, and tax minimization. Christoph emphasizes building a deep understanding of each client’s full financial picture and crafts flexible strategies aligned with today’s changing market conditions. Christoph attended Methodist University and Appalachian State University. He follows the Merrill tradition of community involvement, spending time volunteering with organizations in his community. His personal interests include baseball, fishing, golfing, painting, reading, spending time with family, and traveling.

Michael Hollihan is an International Wealth Advisor at Merrill Lynch Wealth Management, bringing over 20 years of experience in serving affluent clients domestically and abroad. He focuses on family wealth management strategies, international wealth management, managing new wealth, and portfolio management services. His client base includes successful business owners and religious institutions, for whom he combines financial advisory with expertise in succession planning and intergenerational wealth optimization. Prior to joining Merrill Lynch in 2002, Michael held senior roles at The Central Bank of Ecuador and served as Principal at an asset management firm specializing in emerging market debt. He has developed extensive knowledge in global fixed income, high yield debt, currencies, commodities, and alternative investments within emerging markets. His background enables him to analyze companies’ balance sheets and identify capital financing needs, which supports entrepreneurs seeking capital market financing through collaboration with Bank of America specialists. Michael holds a Bachelor’s degree from the University of Wisconsin and pursued further studies in Economics at the University of South Carolina. He is fluent in English, Spanish, and German. Michael resides in Manhattan with his wife, Adriana, and volunteers in community organizations. Outside of work, he enjoys scuba diving, swimming, and spending time with his family.

Daniel Timari is a Financial Advisor with Merrill Lynch Wealth Management, specializing in customized wealth management planning and services for high net worth individuals. With over 15 years of experience in the wealth management industry, he focuses on taking a holistic approach to clients' finances, aiming to connect all aspects of their financial lives to help prioritize and pursue the goals that matter most to them. He offers advice and guidance on potential investment solutions considering clients' risk tolerance, time horizon, liquidity needs, overall investment goals, and associated costs. Daniel provides a wide variety of services including asset and liability management, cash-flow, trust and estate planning services, retirement planning, wealth transfer, and charitable giving. He works closely with clients through meaningful dialogue to develop personalized financial strategies designed to bring financial security and accomplish goals such as asset preservation, educational funding, wealth growth, and legacy planning. Daniel holds a degree in Finance from the State University of New York - New Paltz and holds the Professional Investment Advisor (PIA) designation. He participates in the community by volunteering with the Bowery Mission. His personal interests include baseball, basketball, boxing, camping, cooking, football, gardening, reading, traveling, and watching movies.

Elizabeth O'Brien is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America, N.A. Elizabeth has also been involved in roles outside of finance, including positions at City Works Restaurant and Bar and Liv's Oyster Bar. 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 for individuals, high-net-worth clients, and institutional investors.

Anand Desai is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in working with busy professionals, business owners, and families to create clear, actionable financial plans that align with their personal and long-term goals. Anand’s approach combines customized financial planning with disciplined, tax-aware investment management, equity compensation strategies, retirement income design, insurance and risk management, and estate and legacy planning. Anand’s expertise includes college education planning, divorce transition planning, legacy planning, managing new wealth, philanthropic planning, special needs planning strategies, tax minimization, and retirement income. He supports clients such as professionals and executives seeking coordinated, tax-aware strategies, business owners managing liquidity events, and families aiming for a repeatable process to save, invest, and protect their wealth. Anand holds a Bachelor’s degree from Wayne State University, has completed an accredited certificate program at Harvard Business School, and earned Merrill’s Personal Investment Advisor (PIA) designation. Away from his professional responsibilities, Anand participates in community volunteer work aligned with Merrill’s tradition of community engagement. His personal interests include basketball, music, reading, and tennis.

Matthew Mc Cormick is a financial advisor with Merrill in New York, NY, holding a Series 66 designation and bringing five years of industry experience. His work history includes roles at Merrill since 2019 and Bank of America, N.A. starting in 2026, as well as experience at the University of South Carolina from 2015 to 2019. 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.

Andrew Jaworski is a Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2014. He began his advisory career in 2012, motivated by a desire to help others improve their financial well-being. Andrew focuses on understanding his clients' goals and providing solutions and advice that align with their best interests. His professional aim is to assist clients in balancing wealth-building with enjoying life. Andrew holds a Bachelor's Degree from the Pennsylvania State University System and has earned the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning Institutes Corp, as well as the Personal Investment Advisor (PIA) designation. His areas of expertise include education planning, family wealth management strategies, personal retirement planning, portfolio management, socially responsible investing, tax minimization, and retirement income strategies. Originally from New York, Andrew has lived in Florida and Pennsylvania before returning to his home state. He remains an active member of the Penn State University alumni association. Outside of work, he enjoys traveling, cooking, sailing, and attending local events.

Matthew Gittings is a registered Financial Advisor and Portfolio Advisor with Merrill Lynch Wealth Management. In his role, he provides a range of services including wealth and investment management, consumer and business banking, cash management, credit and credit card services, retirement and legacy planning, trust and estate services, customized lending, and alternative investments for qualified clients. He also assists clients in pursuing their investment objectives through recommendations of Merrill Lynch Wealth Management or approved third-party investment managers' strategies, funds, or portfolios. Prior to joining Merrill Lynch, Matthew worked with the value investing firm Robotti & Company Advisory. He holds a Bachelor's degree from Oberlin College, where he was a member of the varsity tennis team. Matthew maintains a holistic approach to wealth management and retirement planning, integrating all aspects of a client's financial life to align financial strategies with their goals. Outside of his professional work, Matthew enjoys reading, soccer, spending time with his family, playing tennis, and watching movies. He is involved with community organizations including America Magazine and St. Ignacious School.

Joseph Zerillo is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He is focused on connecting all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most to them. In his role, Joseph provides planning-based strategies that leverage the global resources of Merrill Lynch and the banking capabilities of Bank of America to meet the needs of high net worth clients. Joseph has experience in strategic and tactical asset allocation, discretionary and non-discretionary portfolio management, structured investments, concentrated stock strategies, life and long-term care insurance, trust and estate planning, and works closely with clients' advisors in developing estate plans. His approach involves delivering a customized, consistent experience designed to assist clients in wealth accumulation and preservation and in areas beyond investments, such as retirement income planning, concentrated stock positions, selling a business, liquidity solutions, and traditional investment strategies. He holds a Bachelor's degree from the University of Delaware and has earned the CERTIFIED FINANCIAL PLANNER® (CFP) certification and the Chartered Plan Fiduciary Advisor® (CPFA®) designation. Prior to joining Merrill Lynch in 2002, Joseph was a CPA and Senior Financial Auditor at Ernst & Young LLP and held an internal auditor position at Knight Trading Group. He resides in Rumson, NJ with his wife and three children and enjoys adventure sports, music, skiing, tennis, traveling, and spending time with his family.

Brian Lotito is a Senior Financial Advisor with Merrill Private Wealth Management. He leads the downstream efforts for Private Executive Services, coordinating between the corporate relationship management team and downstream partners both locally and nationally. In this role, Brian collaborates with Merrill Private Wealth Management and Merrill Lynch Wealth Management to delegate appropriate coverage for Plan Participants and provide education to key employees on integrating their benefit programs within their overall financial plans. Brian began his career at Merrill in 2003 and has held various positions including Client Associate, Financial Planner, and Financial Advisor, with a focus on Banking and Lending. He has also served as a Custom Credit Executive and contributed to the Cross-Organizational Client Coverage Group to enhance collaboration between Investment Banking and Wealth Management. Brian holds Series 7 and 66 FINRA registrations, as well as a New York State Insurance License, and has earned professional designations as an Equity Plan Consultant (EPC) and Personal Investment Advisor (PIA). Brian earned both his Bachelor's degree in Political Science and his Master’s degree in Professional Studies with an Advanced Graduate Certificate in Human Resource Management from Stony Brook University. Raised in Queens, New York, he currently lives in Upstate New York with his wife and two children. Outside of work, Brian enjoys coaching youth sports, spending time at the beach, and playing the guitar.

Hans Stelzer is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he brings extensive experience in financial services. Since joining Merrill Lynch in 2011, Hans has worked closely with corporate executives, particularly on equity compensation and executive services. His expertise includes areas such as college education planning, employee benefits planning, liquidity management, personal retirement planning, and tax minimization. Hans graduated from Caldwell University in 2008 with a Bachelor of Science degree in Business Administration and a minor in Investment Management. He holds the Personal Investment Advisor (PIA) designation. Prior to his advisory role, Hans worked for three years on the Corporate Services trading desk, supporting executives from nearly 50 publicly traded companies. Outside of his professional work, Hans participates in sports leagues throughout New York City and resides in Jersey City, New Jersey. He is engaged in community service through his involvement with organizations such as the Bowery Mission NYC and Our Savior Lutheran Church and School.

Garrie Lewis is the Resident Director at Merrill, specializing in providing financial guidance tailored to high-achieving women navigating career and financial transitions. With expertise in liquidity management, personal retirement planning, socially responsible and values-based investing, tax minimization, and retirement income, Garrie supports clients in creating clear and personalized strategies to meet their evolving goals. Garrie holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations, and earned a Bachelor's Degree from Johnson & Wales University. Through a Career Transition Strategy, Garrie works with clients to map out their next chapters with clarity and purpose, focusing on unlocking liquidity, navigating 1031 exchanges, consolidating accounts, and aligning wealth with long-term objectives. In his role, Garrie aims to bring simplicity and transparency to the complexities of investing, emphasizing personalized planning that takes into account each client's unique perspectives and priorities.

James Depiero is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch Wealth Management since 1992 and brings over 35 years of experience in the financial industry. Before joining Merrill Lynch, he worked in the Salomon Brothers High Net Worth Private Investment Unit and completed the firm's Sales and Trading training program in 1986. James focuses on asset management, estate planning, municipal bond selection, equity selection, and options strategies. He is a qualified Portfolio Manager in the Merrill Lynch Wealth Management Investment Advisory program and provides clients with personalized investment strategies that may include individual stocks and bonds, model portfolios, and third-party investment approaches. His client focus areas include college education planning, family wealth management, services for endowments and non-profits, defined benefit plans, legacy planning, retirement planning, and portfolio management services. He holds a Bachelor's degree from The University of Vermont and has earned the Personal Investment Advisor (PIA) professional designation. Outside of his professional work, James enjoys fishing, golfing, ice hockey, skiing, and spending time with his family.

Jacquelyn Martinez serves as a Financial Advisor at Merrill Lynch Wealth Management. She provides financial guidance tailored to a diverse range of clients including individuals, families, business owners, athletes, entertainers, and executives. Martinez holds a Bachelor's Degree from the University of Phoenix and has earned the Sports & Entertainment Accredited Wealth Management Advisor® Professional Designation from the College for Financial Planning. She also holds the Personal Investment Advisor (PIA) designation. Her approach integrates personalized wealth planning, disciplined investment management, and strategies focused on preserving, growing, and transferring wealth across generations.

Catherine Mc Nish is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on helping clients develop strategies to pursue their short-, mid-, and long-term financial goals. Catherine works closely with clients to address areas such as executive compensation, equity compensation services, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, and women and wealth. She also provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. Catherine holds a Bachelor's Degree from Barnard College and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is committed to providing transparent and comprehensive financial strategies that align with clients' priorities. Catherine is fluent in English and French. Born and raised in Durham, North Carolina, Catherine moved to New York to attend Barnard College and has remained in the city since. In her personal time, she enjoys reading, singing, and practicing yoga.

Addington Rambo is a Wealth Management Advisor with Merrill Lynch Wealth Management, joining The Elliott Group in 2019. She is a third-generation financial advisor, following her grandmother and mother in this profession. Addington focuses on building long-lasting relationships with clients, listening closely to understand their financial and family values to align with personalized financial plans. She holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and has expertise in a range of financial areas including college education planning, equity compensation services, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, small business strategies, women and wealth, tax minimization, and retirement income. Since joining The Elliott Group, she has honed her skills in appreciating client values and delivering tailored financial strategies. Addington graduated from Rutgers University in 2016, where she played Division 1 Women’s Lacrosse and served as team captain during her senior year. She has been involved with Harlem Lacrosse, contributing through tutoring efforts, and expresses personal interests in cooking, golfing, reading, running, tennis, traveling, and spending time with family.

Brian Raphalian is a Private Wealth Advisor and Managing Director with Merrill Private Wealth Management, where he serves on the Private Executive Services team. In this role, he acts as a senior relationship manager, providing advice and guidance to ultra-high-net-worth families, particularly senior corporate executives, business founders, and partners of large firms. Brian focuses on understanding clients’ personal goals and family dynamics to develop customized strategies addressing estate planning, philanthropy, tax management, and wealth management across multiple entities. His work involves constructing bespoke investment portfolios spanning equities, fixed income, and alternative investments. Brian began his career at Merrill in 2002, bringing prior experience from Salomon Smith Barney’s Global Equity Capital Markets Group. He holds a Bachelor’s degree in Economics with Honors from The Pennsylvania State University, where he was inducted into Phi Beta Kappa. Brian is also a Personal Investment Advisor (PIA). He resides in Rumson, New Jersey with his wife and three children. Outside of his professional responsibilities, Brian’s interests include hockey, reading, coaching, philanthropy through organizations such as Holt International, and spending time with family and friends.

Eric Schwartz is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 2000. He has also worked at Bank of America, N.A. since 2011. Merrill serves a diverse client base including individuals, retirement plans, corporations, charities, and institutional clients by offering managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm combines multiple investment strategies and a tax-focused approach supported by its integration with Bank of America’s broader banking and capital-markets platform.

Christopher Johnston is a financial advisor at Merrill with 32 years of industry experience. He has been with Merrill since 1992 and is also associated with Bank of America, N.A. since 2009. Johnston holds Series 63 and Series 65 designations and is based in New York, NY. Merrill serves a broad client base, including individuals across wealth levels, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and tax-focused investment strategies, supported by integration with Bank of America’s banking and capital markets platform.

Patrick McGovern is a financial advisor with Merrill, holding a Series 63 designation and over forty-two years of industry experience. He has been with Merrill since 1981 and has also worked 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 offers model-based and discretionary strategies for a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.