Zachary Howland is a Wealth Management Advisor at Merrill Lynch's Fifth Avenue Financial Center in New York. He provides advice on investment management, including alternative investments when appropriate, private business sales, credit and lending, retirement planning, wealth transfer planning, and executive compensation plan management. His client base includes senior corporate executives, healthcare professionals, financial services professionals, business owners, and professional athletes. Zachary holds professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from the University at Buffalo and is a member of Delta Sigma Pi, Alpha Kappa Chapter. He and his wife live in New York. Zachary is involved in the Young Professionals Network of the Tunnel to Towers Foundation. In his free time, he enjoys aviation, acoustic guitar, baseball, and auto racing.

Jennifer Shalhoub is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Her prior roles include positions at Taylor Management Company, Associa, and FirstService Residential. Outside of finance, she worked for several years at River Palm Terrace Steakhouse. 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 designed for individuals, high-net-worth clients, and various institutions.

Kevin Halpin is a Senior Financial Advisor at Merrill Lynch Wealth Management, located in the Fifth Avenue office. In his role, he provides strategy-based wealth management solutions tailored to the multidimensional financial needs of individual and business clients. He applies a defined process to understand each client's specific circumstances, establish objectives, develop appropriate strategies, and review progress toward their goals. Kevin specializes in personal retirement planning, portfolio management services, and retirement income. Kevin has extensive experience in individual equity selection using fundamental and technical analysis, integrating this expertise with modern portfolio theory. He manages portfolios on a discretionary basis, incorporating individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. Kevin works closely with clients' other advisors, such as CPAs and attorneys, to address both short and long-term financial goals. He earned a bachelor's degree from St John's University, where he was awarded a full athletic scholarship for swimming. Kevin began his career in the family's heavy equipment business before transitioning to financial services in 1993, joining Merrill in 1998. He holds the Personal Investment Advisor (PIA) designation. Kevin lives on Long Island with his wife Julia, who is also a Director at Merrill, and their three children. He is involved in community service through the Point Lookout-Lido Volunteer Fire Department. Kevin's approach aligns with his philosophy of working one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals.

Sharon Ruvane is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lilian Melhorn is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior roles include positions at UBS Financial Services, Globe Life, and Extreme Networks. She holds a degree from the University of Texas at Austin. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Douglas Cassetta is a Senior Financial Advisor with The Peters Group at Merrill Lynch Wealth Management, where he has been working since 2017. He specializes in assisting corporate executives, individuals, and families navigate complex financial decisions and manage various aspects of their financial lives. His client focus areas include college education planning, corporate benefits, executive compensation, equity compensation services, and personal retirement planning. Douglas's approach emphasizes understanding the entire financial picture rather than viewing investment management in isolation. He works with clients on investment management, retirement planning, managing concentrated stock positions, portfolio diversification, liquidity needs, and planning for future generations. For corporate executives, he provides guidance on managing wealth linked closely to career and company stock, helping them evaluate exposures and develop strategies aligned with their priorities and goals. He holds a Bachelor's Degree from Quinnipiac University and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of his professional life, Douglas enjoys fishing, golfing, and spending time with his family.

Vikas Mohindra is a Senior Financial Advisor at Merrill Lynch Wealth Management and a Senior Partner of The Boccaccio Mohindra Group. He has been in the financial advisory industry since at least 2008, with prior experience at Morgan Stanley's Wealth Management Division focusing on retirement planning. Vikas works with high-net-worth individuals, multigenerational families, business owners, and institutions to develop customized wealth management, retirement, and investment strategies. Vikas holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a Bachelor of Science degree in Economics from the University of Maryland College Park. Vikas is fluent in English, Hindi, Punjabi, and Spanish. Active in community involvement, Vikas serves on the Leadership Council for the Michael J. Fox Foundation, where he helps raise funds and awareness for Parkinson's disease. He resides in Hoboken, New Jersey with his wife Andrea and their dog Riley. Outside of work, he enjoys basketball, football, golfing, tennis, traveling, yoga, and spending time with his family.

Jack Herling is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the firm's flagship Fifth Avenue office in New York City. He joined Merrill Lynch Wealth Management in June 2007 and focuses on total wealth management, providing strategies for multidimensional personal and business finances. Jack meets regularly with clients to align their financial lives with their personal circumstances, delivering personalized advice and access to specialized investment services. As a Senior Portfolio Advisor, Jack builds and manages custom investment strategies, selecting from Merrill Lynch Wealth Management model portfolios and third-party investment strategies. He may manage strategies on a discretionary basis through the firm's Investment Advisory Program. Jack holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor's degree in Government & Politics from the University of Maryland and an MBA in Finance from the Lubin School of Business at Pace University. Jack resides in New Jersey with his wife Jill and their daughters. Outside of work, he enjoys spending time with family, rooting for his favorite sports teams, going to movies, and engaging in activities such as baseball, cooking, football, golfing, ice hockey, and music.

Barbara Sheridan is a financial advisor at Merrill with 30 years of industry experience. She has held her current position since 2011. Her credentials include Series 63 and Series 66 licenses. 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 constructed by internal and third-party managers for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nathan Green is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Nathan earned a Bachelor's Degree from the University of California at Los Angeles (UCLA) and a Master's Degree with an MBA from New York University Stern. His educational background supports his role in guiding clients with investment and wealth management strategies.

Evan Eininger is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he works with high net worth individuals and families to understand their financial situations, review their short and long-term goals, and develop plans to achieve those objectives. He manages personalized or defined investment strategies on a discretionary basis, incorporating individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. Evan's expertise includes college education planning, corporate benefits, employee benefits planning, equity compensation services, personal retirement planning, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree from Bryant College and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Personal Investment Advisor (PIA), Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Evan participates in community organizations such as Cents Ability and PAWS-NYC. He enjoys basketball, boxing, football, golfing, and soccer in his personal time.

Xinnian Liang is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, Liang worked at Wells Fargo Bank and Woodforest National Bank. 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 plans, corporations, and charitable organizations.

Barbara Roberts is a Managing Director and Wealth Management Advisor with Merrill Lynch Wealth Management. With over 41 years of experience, she works with clients to develop personalized wealth management strategies that address areas such as corporate executive services, education planning, employee benefits planning, family wealth management, legacy planning, philanthropic planning, and portfolio management. Barbara holds a Bachelor's Degree from Skidmore College and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is actively involved in professional organizations such as Leadership, Education, Advocacy and Development for Women (LEAD), the Military Support and Assistance Group (MSAG), and the Native American Professional Network (NAPN). In the community, Barbara serves as Vice Commander of the Coast Guard Auxiliary. Outside of work, she enjoys baseball, biking, camping, dancing, gardening, hiking, music, reading, running, and tennis.

Thomas Tiedemann is a Wealth Management Advisor at Merrill Lynch Wealth Management. He provides clients with personalized wealth management strategies that take into account their full financial picture and the changing conditions of the market. Thomas works closely with clients to develop financial strategies designed to help them pursue their long-term goals. He holds a Bachelor's Degree from CUNY College of Staten Island and carries the designation of Personal Investment Advisor (PIA). Thomas follows the Merrill tradition of community participation and spends time volunteering with organizations within the community.

Alberto Hamonet is an International Wealth Advisor at Merrill Lynch Wealth Management. He has over 30 years of experience serving an international clientele, with a focus on family wealth management strategies, international wealth management, liquidity management, managing new wealth, and portfolio management services. Prior to joining Merrill Lynch in 2011, Alberto served as Managing Director at UBS, where he led a team of advisors assisting clients in Latin America. Alberto is a qualified Portfolio Manager who provides traditional advice and guidance, as well as personalized strategy building and management. His approach may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He manages strategies on a discretionary basis when servicing clients through the firm’s Investment Advisory Program. Alberto holds several professional designations including Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a Bachelor's degree in Business Administration and is a CPA from Universidad Catolica Argentina, and holds an MBA in International Finance from the Stephen M. Ross School at the University of Michigan. Residing in Westport, Connecticut with his wife and four sons, Alberto engages in various personal interests such as cooking, golfing, horseback riding, skiing, tennis, and yoga. He also volunteers in guidance, coaching, and counseling programs at LaGuardia Community College in Queens, New York.

Benjamin Zacks is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 2015 and joined Merrill Lynch Wealth Management as part of the Spurr Group in 2020. His expertise includes executive compensation, personal retirement planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. Benjamin holds a Bachelor of Arts degree in International Politics from Pennsylvania State University. He is a Chartered Financial Analyst (CFA) charterholder, a Personal Investment Advisor (PIA), and an active member of the CFA Society New York. Residing in New York City, Benjamin enjoys cooking, football, golfing, skiing, and traveling in his spare time. He focuses on working one-on-one with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals.

Nicholas Doro is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies tailored to each client's unique financial goals. His approach emphasizes a comprehensive understanding of an individual's or organization's full financial picture, allowing him to create flexible strategies aligned with evolving market conditions. Nicholas focuses on areas including college and education planning, managing new wealth, personal retirement planning, philanthropic planning, socially responsible and values-based investing, as well as tax minimization. Nicholas holds a Bachelor's Degree from Macalester College and maintains several professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his advisory work, he engages in community involvement through volunteering, reflecting the Merrill tradition of service within the communities served.

Joseph Cruz is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 and brings over 15 years of industry experience, including his work as an Examiner for the New York Stock Exchange. Joseph holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise encompasses a wide range of financial services such as education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and socially responsible investing among others. Joseph and his team provide customized financial strategies tailored to the needs of high net worth individuals, families, businesses, and private foundations. Joseph earned a Bachelor of Science degree in Finance and Computer Information Systems from Manhattan College. He is a lifelong resident of Manhattan, a member of the New York Athletic Club, and serves as a Trustee on the Board of Trustees of La Salle Academy, his alma mater.

Manpreet Saluja is an International Wealth Advisor at Merrill Lynch Wealth Management. She brings over 18 years of experience in financial planning, wealth management, wealth preservation strategy, retirement planning, tax minimization strategy, and family wealth and succession planning. Manpreet works closely with clients including senior corporate executives, physicians, attorneys, women executives, entrepreneurs, business owners, mid-size corporations, and 401K plan sponsors to develop personalized financial strategies. She holds the Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. Manpreet earned her Master of Business Administration (MBA) degree from Amity Business School. She utilizes insights from BofA Global Research and provides access to trust, fiduciary, banking, and lending services through Bank of America. Manpreet is involved with professional organizations such as the Punjabi Chamber of Commerce, Ridgewood Chamber of Commerce, and Sikh Chamber of Commerce. She supports community organizations including the SIKH Research Institute and Sankara Eye Foundation, USA. She is fluent in English, Hindi, and Punjabi. Outside of work, Manpreet enjoys swimming, yoga, traveling, and watching movies.

Jonathan Gonzalez is a financial advisor based in Merrill's flagship office on Fifth Avenue in New York City. He works with busy professionals, business owners, and healthcare professionals, including physicians and dentists, providing tailored financial strategies that adapt to life's changes. His practice focuses on areas such as retirement planning, equity compensation, legacy strategies, business transition planning, managing liquidity, and coordinating custom lending solutions. Mr. Gonzalez holds a Bachelor's degree from Texas A&M University and has earned several professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He brings the resources and insights of Merrill and Bank of America to support his clients' financial goals. Originally from Texas and now residing in New York City, Mr. Gonzalez values building strong connections within the communities he serves. His personal interests include adventure sports, basketball, cooking, fishing, football, hunting, pickleball, running, traveling, and spending time with his family. He is fluent in English and Spanish.