S Zalmen Lazaroff is a Wealth Management Advisor with nearly 30 years of experience in the financial services industry. He currently serves accomplished individuals, families, corporate entities, and retirement plans across 18 states. Leveraging his expertise, Zalmen focuses on a broad range of client needs including college education planning, divorce transition planning, family wealth management strategies, retirement income planning, and defined benefit and contribution plan consulting. He employs disciplined, customized investment strategies that aim to align clients’ expected and necessary rates of return to help achieve their financial goals with managed risk. Zalmen spent 14 years with Morgan Stanley before joining Merrill Lynch Wealth Management in 2009. He holds the Certified Investment Management Analyst® (CIMA®) designation from the Investments & Wealth Institute at the Wharton School, the Certified Plan Fiduciary Advisor® (CPFA) designation from the National Association of Plan Advisors, and the Chartered Retirement Planning Counselor (CRPC) designation through the College for Financial Planning. He is also a Senior Portfolio Advisor capable of managing discretionary investment strategies. Zalmen earned a bachelor’s degree from the Rabbinical College of America and received rabbinical ordination in 1994. Outside of his professional work, Zalmen is actively involved in community organizations such as the Hatzalah Volunteer Ambulance Corps, where he serves as a first responder. He also supports charitable groups including Aishel House Hospitality and a Women’s Yeshiva for Advanced Studies. Zalmen resides in Brooklyn with his wife and six children and engages in personal interests such as genealogy, horseback riding, scuba diving, and spending time with his family.

Teresa Nehme is an International Wealth Advisor at Merrill Lynch Wealth Management, focusing on delivering personalized wealth plans with a holistic approach. She works closely with primarily international clients, aiming to align wealth strategies with their unique priorities and life goals. Teresa emphasizes connecting all aspects of her clients' financial lives to help them prioritize and pursue what matters most. Teresa joined Merrill in 2021 in the New York International Office. With an extensive international background, she leverages her understanding of diverse client needs and life priorities to bridge them with the appropriate wealth management products and services. Prior to Merrill, Teresa spent over ten years as Managing Director of the largest Mexican newspaper in the Northeast, overseeing sales and advertising and applying her knowledge of the Hispanic market in the Tri-State area. She also worked with the Canadian Trade Commissioner Service in Mexico City and New York City. Born and raised in Mexico, Teresa is fluent in English, Spanish, and French. She holds a Bachelor's Degree from Instituto Tecnologico Autonomo de Mexico and the Professional Investment Advisor (PIA) designation. Outside of work, Teresa enjoys cooking, gardening, skiing, and traveling. She lives with her husband Erick and their two sons, sharing a family interest in skiing.

John Gagliardo serves as a Wealth Management Advisor within Merrill Lynch Wealth Management. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA), reflecting his specialized knowledge in retirement planning and investment management. John earned his Bachelor's Degree from Baruch College, providing a foundation for his work in financial advising. His expertise centers on helping clients manage wealth, plan for retirement, and make informed investment decisions.

Mynoon Doro is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in portfolio management, estate planning services, and corporate and individual retirement plans. Mynoon has been recognized on Forbes' "America's Top Women Wealth Advisors Best In State" list from 2022 through 2026 and is a member of the Doro group team named to Forbes' "Best-in-State Wealth Management Teams" list for 2024 to 2026. She holds a Bachelor of Science degree in Industrial Engineering & Operations Research from Columbia University and a Master's Degree in Administrative Sciences from Yale University. Prior to joining Merrill Lynch, Mynoon spent 22 years as a corporate executive with AT&T and Lucent Technologies, where she held roles including Managing Vice President for Large Scale System Integration in Asia Pacific and General Manager for the Joint Venture in Shanghai. Mynoon is involved in several professional and community organizations, including serving as a judge for the Columbia University Entrepreneurship Program and participating in the NYC Yale Women Association. She volunteers with the Salvation Army and has held leadership positions in various organizations such as the Chinese-American Import Export Association and the Society of Women Engineers. Her language skills include Chinese, Taiwanese, and English.

Elaine Thompson Perez is a financial advisor at Merrill with 14 years of industry experience. She holds the Series 63 and Series 65 designations. Her prior work includes roles at Morgan Stanley, Voya, Mass Mutual Investors Services, New York Life Insurance Company, and Principal Securities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Pizzutello is a financial advisor with Merrill in New York, NY, holding a Series 63 designation and 36 years of industry experience. He has been with Merrill since 1990 and has concurrently worked with Bank of America, N.A. since 2011. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutions, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm integrates investment management through multiple program strategies and emphasizes tax-efficient capabilities, supported by its affiliation with Bank of America and its broader banking and capital markets platform.

Luz Rosado is an International Wealth Advisor at Merrill Lynch Wealth Management. She specializes in working with families with global connections to build, preserve, and transfer wealth across generations. Luz collaborates with clients to design personalized financial strategies that align with their goals and adapt to dynamic market conditions, leveraging Merrill's investment insights along with banking and lending solutions from Bank of America. Her expertise encompasses college education planning, family wealth management strategies, international wealth management, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, portfolio management services, small business strategies, and women and wealth. Luz holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. She earned a Bachelor's Degree from Baruch College and an Associate's Degree from Bronx Community College. Born and raised in the Dominican Republic, Luz is fluent in Spanish and English. She is actively involved in community organizations including Avon 39 - Walk to End Breast Cancer, Bronx Community College Foundation, and The Multiple Myeloma Research Foundation. In her personal time, Luz enjoys cooking, dancing, photography, reading, and spending time with her family.

Honey Guzmán is a Financial Advisor with Merrill Lynch Wealth Management. She works with individuals, families, professionals, and business owners to develop personalized strategies for tax-efficient wealth accumulation, investment management, retirement planning, liquidity management, and cash flow planning. Her areas of focus include cash management, tuition funding, investment management, retirement planning, estate planning considerations, and financial aspects of elder care. Honey holds a Bachelor of Business Administration in Finance from Florida International University and a Certificate in Blockchain Technologies from MIT Sloan. She also holds the Personal Investment Advisor (PIA) designation and completed an Accredited Certificate Program from George Washington University. Prior to joining Merrill, she gained experience in Trade Execution and Program Management. Outside of her professional work, Honey enjoys reading, medieval history, Latin Hustle and Salsa dancing, and cooking Peruvian cuisine. She participates in her community through Saint Monica Catholic Church and values spending time with her family.

Luis Tavarez is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in offering guidance across various financial areas including corporate executive services, family wealth management strategies, international wealth management, personal retirement planning, and small business strategies. He also provides expertise in investment strategy for individuals and corporations, tax minimization, and retirement income planning. With over 15 years of experience, Luis works closely with clients to understand their unique financial situations and goals. His approach involves listening carefully to clients' priorities and helping them develop strategies to pursue their short-, mid-, and long-term objectives. He serves as a resource for matters ranging from general investing to retirement planning and saving for unexpected events. Luis holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Pontificia Universidad Catolica Madre y Maestra. He is fluent in both English and Spanish. Outside of his professional role, Luis enjoys baseball, basketball, cooking, dancing, music, photography, spending time with his family, and watching movies.

Adrian Corral Barrera is a Private Wealth Advisor with Merrill Private Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his expertise in managing private wealth portfolios. Adrian has earned a Bachelor's Degree from the International College of the Cayman Islands as well as a Bachelor's Degree from Instituto Tecnologico Autonomo de Mexico. He also holds a Master of Business Administration (MBA) from Thunderbird School of Global Management. These academic credentials support his advisory capabilities in financial planning and investment management.

Susan Novick is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2014. Outside of her advisory role, she is involved with a family marketing business and works as a freelance food writer. Additionally, she serves as a board member on the committees of Playwrights Horizons, an off-Broadway theater company. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Aloysio Vieira Neto is an International Wealth Advisor at Merrill Lynch Wealth Management with over 32 years of experience serving a select international clientele. He manages the wealth of successful entrepreneurs, professionals, and families, focusing on understanding each client's goals and risk tolerance to develop multi-generational wealth management strategies that are both financially and personally meaningful. Aloysio's expertise spans family wealth management, international wealth management, legacy planning, and specialized areas such as LGBT wealth planning and special needs planning strategies. He holds a Bachelor's Degree in Business Administration with a focus on Finance from Fundação Getulio Vargas in São Paulo, Brazil, and an MBA in Finance from The Wharton School of Business. Aloysio's professional designations include Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). His deep knowledge of sovereign debt, currency issues, inflation, and global investment opportunities enables him to formulate highly customized financial strategies. Fluent in Portuguese, English, French, and Spanish, he employs a straightforward, transparent, and confidential approach that encourages clients to share their concerns and aspirations. Born in Brazil and living in the United States for more than 40 years, Aloysio combines his international experience with a commitment to educating clients and their children about wise stewardship of accumulated wealth. He is dedicated to pursuing his clients' interests and championing their financial and personal objectives. Outside of his professional work, Aloysio enjoys running, surfing, and watching movies.

Andrew Doro is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on services for endowments, foundations, and non-profits, as well as international wealth management and individual and corporate investment strategy. He collaborates with clients to create personalized wealth management strategies based on their life priorities, goals, and aspirations, providing access to Merrill's investment insights and Bank of America's banking and lending solutions. Andrew earned a Bachelor of Arts degree from Yale University and a Master of Professional Studies degree from New York University. He is a Personal Investment Advisor (PIA) and participates in professional organizations, including Chess in the Schools. Originally from lower Manhattan, where he attended Stuyvesant High School, he currently resides in Manhattan. Outside of his professional work, Andrew is involved in community volunteering and enjoys personal interests such as biking, boating, cooking, hiking, music, photography, pickleball, surfing, and swimming.

Nicholas Carriello is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in personalized wealth management strategies, helping clients understand and manage their financial portfolios with a disciplined approach to saving, investing, and spending. Nicholas works closely with companies, institutions, and individuals to address their financial goals and streamline their financial lives. Nicholas began his financial services career in 1996 after earning a Bachelor of Science degree in Finance from Boston College. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include college education planning, divorce transition planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Nicholas lives in Greenwich, Connecticut with his wife, Amy, and their three children. He is active in his community, serving on the Board of Directors for several local organizations, including the Greenwich Youth Football League, Glenville Mavericks, and the Greenwich Old Timers Athletic Association. In his personal time, he enjoys coaching youth sports and skiing with family and friends.

Sarah Balk Ostrie is a Senior Financial Advisor with Merrill Lynch Wealth Management. She holds the professional designation of Personal Investment Advisor (PIA). Sarah earned her Bachelor's Degree from Union College. She provides financial advisory services within Merrill Lynch, leveraging her expertise to support clients in managing their investments and financial planning.

Umesh Trikha is a Managing Director and International Wealth Advisor at Merrill Lynch Wealth Management, where he has worked since 2003. He specializes in international wealth management and provides services such as college education planning, corporate executive services, equity compensation services, family wealth management strategies, legacy planning, liquidity management, and managing new wealth. Umesh holds the Certified Investment Management Analyst (CIMA) designation and the Personal Investment Advisor (PIA) credential. Before his tenure at Merrill Lynch, Umesh worked in the financial industry with American Express and The Economist Intelligence Unit. He earned a Bachelor's degree in Economics, concentrating in Finance and Marketing, from The College of William and Mary. He also completed a Global Executive MBA from the Fuqua School of Business at Duke University in 2023. Born and raised in England, Umesh is fluent in English and Hindi. Umesh resides in New York City and engages in personal interests including cooking, swimming, table tennis, stage and close-up magic, film, music, theater, soccer, and cricket. He has participated in fundraising for the United Way Campaign and Doing Art Together and has served as a Board Member for The College of William and Mary Alumni Association (WMAA).

Israel Hernandez is a financial advisor with Merrill in New York, NY, holding Series 63 and Series 66 designations and 11 years of industry experience. He has been with Merrill since 2015. Outside of his advisory role, he serves as a general partner and managing member of IMH Capital LLC, a non-operating entity. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Marc Seidenberg is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1998. He focuses on assisting high-net-worth clients with retirement and estate planning services, as well as wealth management strategies. Marc also provides financial advice and guidance to nonprofit and philanthropic organizations, pensions, and 401(k) plans. Before joining Merrill Lynch, Marc worked as an associate at the law firm Milbank, Tweed, Hadley & McCloy in New York City. He holds a Bachelor's degree in Political Science from Columbia College and a law degree from Fordham Law School. He has earned several professional designations, including Chartered Retirement Planning Counselor™ (CRPC), Retirement Benefits Consultant (RBC), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). While he holds a law degree, Marc does not provide legal advice in his current role. Marc is involved in his community through volunteering with local organizations. His personal interests include baseball, hiking, and music.

Kerry Davi is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 28 years of experience. She works closely with individuals and families to develop purposeful and efficient wealth management strategies. Her expertise includes guiding clients through customized asset allocation, ESG and Impact investing, risk assessment, pre- and post-retirement planning, cash-flow analysis, trust and estate planning, and providing access to lending capabilities through Bank of America, N.A. Kerry has advised clients at various stages of their financial lives, including wealth builders, executives, entrepreneurs, retirees, and individuals facing significant personal or professional financial crossroads. She combines deep knowledge of best practices with forward-thinking advice, emphasizing thoughtful, coordinated, and purposeful action. She aims to help clients become confident stewards of their wealth by utilizing sophisticated analytics, timely research, and thorough communication. Kerry holds a Personal Investment Advisor (PIA) designation and graduated from Stella Maris High School. Originally from Brooklyn, she lives in Rockville Center, New York, with her husband and two sons. She is active in her community, serving on the boards of Cristo Rey Brooklyn High School and St. Agnes Cathedral School, where she is also a Eucharistic Minister. In her leisure time, Kerry enjoys cooking, golfing, visiting the beach, and spending time with her family.

Sony Patnaik is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 20 years of combined experience in wealth management and consumer banking across multiple geographies including India, the United Arab Emirates, Oman, and African countries. He leverages his extensive background in risk management, operations, service delivery, and project management to provide tailored financial strategies and solutions to his clients. His expertise spans portfolio management, wealth preservation, tax-efficient strategies, education funding, and lending capabilities through Bank of America. Sony holds a Bachelor's degree from Ravenshaw College and a Master's degree from the University of Delhi. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Fluent in English, Hindi, and Bengali, he has worked with clients from diverse professional backgrounds such as media, technology, healthcare, and legal professions. Outside of his professional work, Sony enjoys exploring New York City, experiencing different cuisines, traveling, running, skiing, and playing ping pong. He is also actively involved in community service and participates in educational institutions such as Horace Mann School in New York, Jumeirah Primary School in Dubai, and The Alice Smith School in Kuala Lumpur.