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.

Jay Lefkowicz is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he serves as the senior advisor of the Lefkowicz Group. He provides personalized private wealth services for executives in Asset Management and Technology sectors, as well as Corporate Retirement Services for small to mid-size companies. His expertise includes Divorce Transition Planning, Employee Benefits Planning, Institutional and Corporate Benefit Services, Services for Defined Benefit Plans, Investment Consulting for Defined Contribution Plans, and Portfolio Management Services. Jay began his finance career in 1989 within Merrill's fixed-income analytics department and later joined Instinet in 1992, where he studied technical analysis under Marc Chaikin. Before joining Merrill Lynch Wealth Management as a Financial Advisor, he held roles as Technical Strategist at Concept Capital Markets, LLC (now Marex Prime Services), Chief Market Strategist at Saratoga Capital, and Founder and Managing Member of Equitable Edge, LLC. He holds a Bachelor of Science degree, cum laude, in Computer Science and Applied Mathematics from the State University of New York at Albany. He has earned several professional designations including Chartered Financial Analyst (CFA), Chartered Market Technician (CMT), Certified Plan Fiduciary Advisor (CPFA), Chartered SRI Counselor (CSRIC), and Certified Trust and Fiduciary Advisor (CTFA). Jay is also involved with professional organizations such as the CFA Institute, CMT Association, National Association of Plan Advisors, and the New York Society of Securities Analysis. His community involvement includes participation with the CMT Association, Read Ahead, and Yorkville Youth Athletic Association. Outside of work, Jay enjoys baseball, biking, cooking, golfing, music, and spending time with his family.

Zachary Zelman serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, and tax minimization. Zachary collaborates closely with high net-worth individuals and families to understand their financial situations and develop personalized strategies that align with their long-term goals. Zachary's professional approach is supported by his Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) designations. He holds a Bachelor's Degree from the University of Miami. Additionally, he has been recognized by Forbes, being named to the 2026 "Best-in-State Wealth Advisors" list and the 2025 "Top Next-Gen Wealth Advisors Best-in-State" list. Beyond his advisory role, Zachary values community involvement and participates in volunteering activities in line with Merrill's tradition. His personal interests include chess, cooking, music, skiing, spending time with family, swimming, and yoga.

Kyle Chwatt is a Financial Advisor and Partner at The Shalhoup Group within Merrill Lynch Wealth Management. He focuses on assisting corporate executives and founders with managing concentrated stock positions, making equity compensation decisions, and navigating liquidity events. His approach involves building long-term, multigenerational wealth strategies tailored to his clients' unique ambitions and financial goals. Kyle began his career as an investment banker, advising senior executives at public and private companies on mergers, acquisitions, and capital markets transactions. This experience provided him with insight into how equity compensation and change-of-control events can create significant wealth when planned for effectively. He holds a Bachelor's Degree from the University of Florida and has earned the Personal Investment Advisor (PIA) designation. His professional philosophy centers on connecting all aspects of a client's financial life to prioritize and pursue the goals that matter most.

Giselle Rosique is a Financial Advisor at Merrill Lynch Wealth Management. She provides tailored investment management, tax-aware portfolio strategies, retirement planning, and wealth transfer solutions to accomplished individuals and families. Her client base often seeks guidance on complex financial matters such as equity compensation, restricted stock units, concentrated stock positions, liquidity events, tax-loss harvesting, and tax-efficient fixed income strategies. Giselle's professional credentials include the Chartered Retirement Planning Counselor (CRPC) designation and certification as a Personal Investment Advisor (PIA). She holds a bachelor's degree from the University of Texas System. She is a member of the National Association of Women Business Owners. Fluent in both English and Spanish, Giselle focuses on supporting clients through disciplined strategies aligned with their current lifestyles and long-term financial goals. Outside of her professional responsibilities, Giselle enjoys playing pickleball and soccer, and spending time with her family.

Maria Fiala is an International Wealth Advisor specializing in serving high-net-worth clients both in the U.S. and internationally. She brings more than three decades of experience in international wealth management and is known for building trusted relationships through a client-focused process characterized by friendly collaboration and straightforward discussions. Maria formulates customized financial strategies designed to improve both sides of a client's balance sheet while appreciating each client's unique goals and situations. Her expertise includes college education planning, international wealth management, legacy planning, liquidity management, managing new wealth, and women and wealth. She holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Maria earned her bachelor's degree from Baruch College and is fluent in English, Portuguese, and Spanish.

Gary Stern is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been a member of the firm since 1985. He leads a team dedicated to providing high net worth individuals, families, and institutions with wealth management strategies focused on asset accumulation, retirement distribution, philanthropic and estate planning services. Gary also oversees the group’s managed covered call program, 401(k), business lending, and ESOPs. With over three decades of experience, Gary prioritizes delivering clear and personalized guidance across wealth management, retirement planning, estate strategies, portfolio management, and risk management solutions. His approach centers on understanding clients’ goals and developing customized financial strategies that align with their needs and long-term vision. He works alongside a team committed to proactive service and maintaining alignment through varying market conditions. Gary holds a Bachelor of Science degree in Business and Economics from Lehigh University and has completed graduate coursework at the Wharton School. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Gary is involved with the Edgemont Community Counsel and serves as President of the Southern Greenville Association. He resides in White Plains, NY, and has two grown children.

Karen Fogarty is a financial advisor at Merrill with 31 years of industry experience. She holds a Series 63 designation and has worked at Merrill since 1994, concurrently associated with Bank of America since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutional entities.

Zachary Ferriere is a financial advisor at Merrill in New York, NY, with 13 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2013. 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, pension plans, corporations, and charitable organizations.

Paul Campbell is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing wealth management services to his clients. Paul holds a Bachelor's Degree from Michigan State University and a Master of Business Administration (MBA) from Florida International University.

David Bobker serves as a Wealth Management Advisor, Vice President, and Senior Portfolio Advisor at Merrill Lynch Wealth Management. With more than 20 years of experience in the financial services industry, David specializes in developing comprehensive strategies for high-net-worth individuals, families, and businesses, integrating cash management, financing, and investment needs to help clients achieve both short- and long-term financial objectives. His consultative and objective approach emphasizes disciplined listening, personalized asset allocation, and ongoing client communication to address investments, retirement planning, estate services, and philanthropy. David holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor™ (CRPC), and Retirement Accredited Financial Advisor (RAFA). He is uniquely qualified to assist individuals and investment committees with retirement plan asset allocation and fund selection. David earned a Bachelor of Science degree in Computer Science from Brooklyn College, City University of New York, in 1993, and an MBA in Marketing and Finance from Baruch College, City University of New York, in 2000. Outside of his professional role, David lives in Passaic, New Jersey, with his wife and seven children. He is engaged in his community through volunteering and has personal interests that include adventure sports, baseball, chess, football, and spending time with his family. David is fluent in English and Hebrew.

Kevin Mullon is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Samuelson Group. He began his financial services career in 1999 after graduating from Fordham University with a bachelor’s degree in Business Administration, concentrating in Finance and minoring in Economics. Kevin applies a comprehensive investment approach that integrates Merrill Lynch Wealth Management’s investment insights and Bank of America’s banking resources. His team focuses on a goals-based investment process aimed at helping clients organize their financial lives and create more predictability in their financial future. Holding the Personal Investment Advisor (PIA) designation, Kevin emphasizes responsiveness and delivering elite service to his clients. He currently resides in Long Beach, New York.

Christopher Price is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Markel Corp, NexGen Financial Group, and extended tenure at the University of Maryland. Outside of finance, his background includes several years at Super Foodtown / Food Circus Supermarkets. 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.

Karl Pupke is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, he assists clients in managing their wealth to meet their individual needs through a comprehensive approach that begins with understanding each client’s goals. Karl and his team develop strategies and provide investment guidance tailored to the short- and long-term financial objectives of individuals, families, and businesses. Karl has been in the financial services industry since 1996 when he joined Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation as well as the Personal Investment Advisor (PIA) credential. Karl earned a bachelor's degree in finance and marketing from Lehigh University in 1987 and completed his high school education at St Andrew's School. Karl currently resides on Long Island with his wife and children.

Jackson Mackey is a Financial Advisor at Merrill Lynch Wealth Management. He supports clients by providing financial guidance and strategies to help manage and grow their wealth. He holds a Bachelor's Degree from the University of Michigan. Further details about his areas of expertise, personal interests, or community involvement are not provided.

L. Cliff Griffin is a Wealth Management Advisor with over 33 years of experience helping clients make strategic financial decisions. He specializes in wealth management strategies for affluent clients, non-profit organizations, business owners, and professionals including senior executives, athletes, and entertainers. His areas of expertise include equity research, portfolio hedging strategies, and comprehensive wealth management services. Cliff holds a bachelor's degree from Southern University and has earned several professional designations including Certified Investment Management Analyst (CIMA), Certified Divorce Financial Analyst (CDFA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is a member of the Delta Nu Boule Fraternity and The Yale Club of New York City. He is committed to building long-term client relationships by understanding clients' goals and providing personalized financial strategies. Cliff is involved in community service through the Greenwich United Way and maintains personal interests such as billiards, fishing, football, golfing, reading, running, skiing, and traveling.

John Comas is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1994. He focuses on money management, asset allocation, tax minimization, and providing guidance to individuals and families in transition, executives, and business owners. His client services include college education planning, family wealth management strategies, employee financial health, liquidity management, retirement income, and portfolio management. John earned a Bachelor of Science degree in Finance from Lehigh University, graduating as a dean's list scholar. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, John has interests in chess, golfing, music, photography, reading, writing, yoga, and spending time with his family.