Andrew Stevens is a financial advisor with Merrill in New York, NY, holding Series 63 and Series 66 licenses and having 13 years of industry experience. He has worked at Merrill since 2013 and is also associated with Bank of America, N.A. and Legend Securities, Inc. His career spans both institutional and retail financial services. 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 employs model-based and discretionary strategies developed by internal and third-party managers and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Franck Litzler is a Wealth Management Advisor and Merrill Resident Director with Merrill Lynch Wealth Management. He has two decades of experience in wealth management, providing clients with strategic financial guidance. Franck holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Trust and Fiduciary Advisor (CTFA), and Personal Investment Advisor (PIA). He earned a master's degree from Indiana University/Purdue University at Indianapolis and a Master of Business Administration (MBA) from Dartmouth College. Outside of his professional work, Franck has personal interests in music, running, and traveling.

Nalini Dhar is an International Wealth Advisor with more than 24 years of professional experience working with prominent wealth management companies in the United States and internationally. She has been with Merrill Lynch Wealth Management since 2007, having previously worked at Citibank. Nalini specializes in developing strategic financial plans for high-net-worth individuals, their families, and businesses, focusing on helping them achieve their long-term financial goals. Her services include investment recommendations, access to lending services through Bank of America, and wealth transfer strategies. Nalini holds an MBA in Marketing and International Business from NMIMS, Mumbai, and a Bachelor of Science degree in Chemistry from St. Stephen's College, Delhi. She holds professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Additionally, she is a member of the Investments & Wealth Institute. Her community involvement includes serving on the board of the Women's Education Project, a nonprofit organization based in New York and India, focusing on children's and women's education and empowerment. Nalini is also engaged with the Women's Bond Club. Outside of her professional work, she enjoys playing the piano and has achieved Grade 4 certification from the Royal School of Music, London.

Euan Wilson is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in long-term wealth planning for individuals, families, attorneys, corporate executives, and business owners. He focuses on helping clients simplify complex financial situations and make confident decisions across generations by consolidating accounts, designing investment strategies, and coordinating trust and estate planning services. Wilson's role encompasses tax-efficient planning, identifying liquidity and financing solutions, and structuring charitable giving, all aimed at reducing friction in his clients' financial lives. With twelve years in the financial services industry and six years at Merrill Lynch as part of a committed advisory team, Wilson has experience managing complex balance sheets, concentrated positions, and significant liquidity events. He serves clients who have reached key career milestones such as partnership elevation, executive promotion, or successful business exits, emphasizing a full advisory relationship that includes client partners and spouses. Wilson holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Financial Analyst (CFA), and Personal Investment Advisor (PIA). Wilson holds dual bachelor's degrees from the University System of Georgia's Terry College of Business and the University of Georgia's School of Public and International Affairs. He is a member of the CFA Institute and participates in the St. George's Society of New York. Outside his professional work, Wilson's personal interests include cooking, drawing and sketching, music, racquetball, reading, tennis, watching movies, and writing.

Kristen Hanson is a financial advisor with Merrill in New York, NY, holding a Series 66 designation and 21 years of industry experience. She has been with Merrill since 2009 and also has recent experience at Bank of America, N.A. Hanson is co-owner of a family business outside the investment industry. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Daniel Krystyniak is a Senior Financial Advisor and Senior Vice President based at the 75 Rockefeller Plaza branch of Merrill Lynch Wealth Management. He specializes in providing individually tailored investment and wealth management strategies to a select group of affluent clients. Daniel focuses on understanding clients' specific situations and goals to develop personalized advice and access to specialized investment services, assisting with portfolio management, cash management, retirement planning, and comprehensive wealth preservation and transfer services. Daniel holds a Bachelor’s Degree from Iona College and has earned the Chartered Retirement Planning Counselor™ designation awarded by the College for Financial Planning Institutes Corp. He also holds the Personal Investment Advisor (PIA) professional designation. Daniel employs a holistic, data-driven approach to investing, collaborating with clients’ other advisors to address tax, estate, and wealth transfer planning. His professional practice includes expertise in divorce transition planning, legacy planning, personal retirement planning, philanthropic planning, individual and corporate investment strategy, and retirement income. Outside of his professional role, Daniel participates in community volunteering and enjoys personal interests such as fishing, hiking, and traveling. He has been married to his wife, Christa, for 25 years, and they have three children.

Jane Glaubinger is a financial advisor at Merrill with 40 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 1986, alongside a tenure at Bank of America, N.A. since 2009. 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.

Marshall Dumont is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 40 years of experience in the financial services industry, focusing on family wealth management strategies, personal retirement planning, and small business strategies. Marshall emphasizes a comprehensive approach to financial, estate, and retirement planning, working closely with his associates and utilizing resources from Merrill Lynch Wealth Management and Bank of America. Marshall earned a bachelor's degree in Hotel Management from Cornell University in 1980 and an MBA in International Business from CUNY-Baruch College in 1986. He holds the Personal Investment Advisor (PIA) designation and is a member of the Cornell Alumni Ambassadors Network. He also served as a board member of Young Israel of West Hempstead. Outside of his professional work, Marshall is active in various community organizations and enjoys adventure sports, baseball, basketball, biking, hiking, music, reading, running marathons, and watching movies. He participates in CrossFit and plays guitar and sings. Marshall values cultural diversity and takes an interest in learning about the backgrounds of his clients and colleagues.

Kathy Mac Gowan is a Senior Financial Advisor at Merrill Lynch Wealth Management. She holds the professional designation of Personal Investment Advisor (PIA). Kathy has completed her undergraduate studies at Colgate University and earned a master's degree from The New School.

Hannah Jang is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been in the financial services industry since 2004 and joined Merrill Lynch in 2012. Prior to joining Merrill, Hannah worked for eight years at KBC Bank as a foreign exchange sales trader, where she provided a broad range of treasury solutions for Fortune 500 companies. She leverages this experience to offer high-net-worth individuals goals-based wealth management strategies aimed at pursuing both their short- and long-term financial objectives. Hannah focuses on working with executive and professional women, helping them organize, maximize, and simplify their financial lives. She actively listens to clients and collaborates closely with their attorneys and tax advisors to serve as a trusted resource. Her client specialties include education planning, employee benefits planning, family wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, socially responsible investing, and women and wealth. She graduated magna cum laude from New York University with a bachelor's degree in sociology and a minor in East Asian studies. Hannah holds the Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), and Chartered Retirement Planning Counselor (CRPC) designations. She serves on Merrill’s NextGen Leadership Council and is a Financial Advisor Development Program Coordinator for the Fifth Avenue office. Hannah speaks English and Korean.

Edward Stellingwerf is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he provides integrated financial services that encompass banking, investment, lending, retirement planning, and wealth transfer considerations. He works with successful families, business owners, and individuals approaching significant financial milestones, helping them to evaluate complex financial decisions within a broader, long-term framework. Edward's expertise includes family wealth management strategies, liquidity management, portfolio management, retirement income planning, and small business strategies, among others. He emphasizes disciplined planning and thoughtful analysis, aiming to simplify complexity and align clients' financial resources with their priorities. His professional credentials include the Certified Investment Management Analyst (CIMA) designation and the Personal Investment Advisor (PIA) credential. Edward holds a Bachelor of Arts degree in Economics from Rutgers University-Newark. Beyond his professional pursuits, Edward has served on the Town of Westfield, NJ Board of Adjustments from 2013 to 2016 and on the Town of Westfield, NJ Board of Communications from 2008 to 2009. In his personal time, he engages in activities such as gardening, golfing, hiking, swimming, surfing, yoga, traveling, and spending time with his family.

Sayed Abdulrahman Al Refai is a Financial Advisor at Merrill Lynch Wealth Management. He began his career in 2024 on Merrill's trade desk, where he gained experience in executing trades and understanding market dynamics. He later transitioned into an advisory role to focus on helping clients understand the reasoning behind their investment decisions and to build long-term relationships. Sayed holds a Bachelor of Science degree in Business Economics from Pace University and a Master of Arts degree in Applied Economics from Georgetown University. He is a Personal Investment Advisor (PIA) and is fluent in both English and Arabic. Originally from Kuwait, he brings a global perspective to his work with clients. Outside of his professional role, Sayed enjoys activities such as antiquing, fishing, golfing, reading, soccer, spending time with his family, traveling, and watching movies.

Julia Pepe is a Series 66-registered financial advisor with Merrill in New York, NY, bringing three years of industry experience. Her background includes roles at Bank of America and Rutgers University. Outside of finance, she is involved with Star Dance Alliance, supporting operations at international dance competitions. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Bruce Uber is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 2005 after working in a private family office and works with affluent individuals, families, business owners, non-profits, and institutional clients. Bruce’s advisory expertise encompasses retirement, tax, trust, estate, and insurance planning strategies. Bruce holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation granted by the Certified Financial Planning Board of Standards as well as the Personal Investment Advisor (PIA) designation. He earned a Bachelor of Science in Business Management from Boston University and a Master of Business Administration in Finance from the Graduate School of Business Administration at Fordham University. Bruce also attended Columbia University. Residing in Manhattan with his wife, Bruce enjoys traveling and the arts. He is also a marathon runner supporting The Michael J. Fox Foundation for Parkinson's Research.

Roy Ku is a Senior Financial Advisor with Merrill Lynch Wealth Management and a founding partner of The XK Group in New York City. He began his career in investment banking in 1995 and subsequently spent two decades as an analyst and portfolio manager in the hedge fund industry, focusing on both global and emerging equities markets. He joined Merrill Lynch in 2015, where he advises a diverse clientele, including professionals in technology and finance as well as families in the Asian community. Roy develops personalized financial planning strategies drawing on his extensive experience in investment management and banking. His client services include customized data-driven financial models, separately managed accounts, tax minimization strategies, alternative investments, custom lending solutions, trust and estate planning through Bank of America, and retirement planning through Merrill Lynch. He prioritizes understanding each client's unique circumstances to create plans tailored to their goals and aspirations. Roy earned a Bachelor's degree in economics with concentrations in finance and accounting from the Wharton School of the University of Pennsylvania. He holds the Certified Private Wealth Advisor (CPWA) designation and the Personal Investment Advisor (PIA) credential. He is also involved with the Wharton Business Development Group. Roy lives in New York City with his wife and son and enjoys playing golf and chess in his spare time.

Eric Schoeman is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies tailored to each client’s unique goals and financial situation. Eric integrates the investment insights of Merrill with the banking and lending services of Bank of America to provide comprehensive wealth management solutions. With experience as a Senior Vice President, Senior Financial Advisor, and Portfolio Manager, Eric holds the designation of Personal Investment Advisor (PIA). He earned a Bachelor’s Degree from the University of Delaware. Eric is also committed to community involvement, dedicating time to volunteer with local organizations.

John Roth is a Senior Vice President and Sales Manager serving as an International Wealth Advisor at Merrill's International Office. He has been engaged in financial services since 1983, primarily within Merrill's international wealth management division. Originally based in New York, John began his career as a Financial Advisor in the international office and advanced to sales and office manager roles. John has international experience, having moved to Germany to serve as Executive Director in Merrill's International Private Banking Group. In this capacity, he held the dual role of Frankfurt Office Manager and German Country Head. His responsibilities included office management, repositioning Merrill's image in the community, and developing relationships with other Merrill business lines and external partners. He has since returned to New York to work with both domestic and offshore clients, focusing on cross-border interests of multi-generational families and business owners, including family governance plans, generational wealth transition, and portfolio management with emphasis on alternative investments. John holds a Master of Science in Management from Boston University and a Bachelor of Arts in Economics from the University of Maryland. He is a Personal Investment Advisor (PIA) and speaks English and German. Outside of his professional career, John has interests in painting, traveling, and watching movies.

Ingyiin Myat is a Financial Advisor with Merrill Lynch Wealth Management. She focuses on providing financial advice and wealth management services to clients. Myat holds a Bachelor's Degree from Fordham University.

Yixuan Wei is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to create personalized financial strategies that align with their long-term goals, risk tolerance, and life transitions. He provides advice and guidance to help clients develop strategies tailored to their needs, considering factors such as risk tolerance, time horizon, and liquidity requirements. With over seven years of experience in investment research and wealth management, Yixuan's expertise includes college education planning, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, and tax minimization. Fluent in English and Chinese, he is committed to building trusted, long-term relationships with his clients. Yixuan holds a Bachelor's and a Master's degree from Washington University in St. Louis. In his personal time, he enjoys golfing, soccer, spending time with his family, and traveling.

Alison Gold is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she collaborates with the Duffy Group to assist clients in building financial futures aligned with their desired lifestyles. She emphasizes listening to clients to understand their joys, challenges, needs, and goals, enabling the team to develop tailored financial plans and solutions. With a 12-year tenure at Merrill Lynch Wealth Management, Alison has gained extensive knowledge of the firm's capabilities. She holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation and the Chartered Retirement Planning Counselor™ (CRPC) credential, with a focus on retirement planning. Alongside her colleagues, Alison delivers personalized financial solutions and prioritizes responsive service, attention to detail, and strong client relationships. Alison earned a Bachelor of Science degree with a dual major in Business and Psychology from Franklin and Marshall College, where she was also captain of the women’s basketball team. She lives in West Harrison, NY with her husband, son, and Bernedoodle. Outside of work, she pursues interests in culinary skills and exploring restaurants in New York City and Westchester.