Noriko Suzuki is an International Wealth Advisor at Merrill Lynch Wealth Management. She provides clients with a comprehensive approach to managing their wealth, emphasizing the importance of understanding each client’s unique financial goals. Leveraging investment insights from Merrill and banking resources from Bank of America, she addresses various aspects of clients’ financial lives. Noriko holds a Bachelor's Degree from Boston University and a Master's Degree from New York University. She has earned the Professional Investment Advisor (PIA) designation and is fluent in both English and Japanese.

Katherine Dettmer is a financial advisor at Merrill with 29 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill since 1996, concurrently serving at Bank of America, N.A. since 2014. 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 offers a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, and institutional investors.

Dominic Guarnieri is a Financial Advisor at Merrill Lynch Wealth Management in New York City. He works with a diverse client base including professionals, families, business owners, athletes, and entertainers to develop personalized wealth management strategies aimed at achieving their financial goals. Dominic's approach involves understanding each client's unique circumstances and creating tailored solutions aligned with their objectives and long-term vision. Dominic has experience in comprehensive financial planning, investment guidance, retirement strategies, and wealth accumulation techniques. Prior to joining Merrill Lynch, he worked with Rosenhaus Sports Representation, where he gained exposure to the professional sports industry and its unique financial considerations. He holds the Personal Investment Advisor (PIA) designation and registrations for Securities Industry Essentials (SIE), Series 7, and Series 66. He earned a bachelor's degree from the University of Michigan and an MBA from Fordham University's Gabelli School of Business. Outside of work, Dominic enjoys staying active, following professional and collegiate sports, and supporting his alma mater, the University of Michigan. He is committed to lifelong learning and continually expanding his knowledge in financial planning, wealth management, and tax-aware strategies.

Victor Quintana is an International Wealth Advisor and partner on a financial services team at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2013 and has been in the financial services industry since 2007. Victor serves clients with a global presence including institutions, pension funds, endowments, and families across the United States and abroad, addressing complex wealth management needs. Victor's expertise includes international wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. He works closely with clients to understand their goals and provide guidance on investment management, liquidity, foreign exchange solutions, international trust and estate planning, as well as managing transitional events such as retirement, inheritance, or business sales. Additionally, he facilitates connections with attorneys, accountants, and other advisors to support estate planning and tax strategies. Victor holds a bachelor's degree in finance and investments from Baruch College Zicklin School of Business. He is a CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and a Retirement Accredited Financial Advisor (RAFA). Victor is fluent in English and Spanish. He enjoys biking, boxing, running marathons, skiing, soccer, swimming, traveling, and spending time with his family.

Justin Bliss serves as a Senior Financial Advisor and Managing Director within Merrill Lynch Wealth Management. He has been in the financial services industry since 2002, having previously worked for Bear Stearns and UBS. Justin currently holds Series 7 and 66 FINRA registrations and has earned professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Plan Fiduciary Advisor (CPFA), and Chartered Retirement Planning Counselor (CRPC). His work focuses on creating financial strategies for high net worth individuals, their families, and business owners, encompassing retirement planning, portfolio construction, tax minimization, and liability management. Justin utilizes Merrill Lynch's resources to develop goals-based wealth management strategies tailored to clients' short-term and long-term financial objectives. Justin earned a Bachelor of Science degree in Economics and Finance from the University of Delaware and a Master of Business Administration in Finance from the University of Phoenix. Originally from Syosset, New York, he currently lives in Westfield, New Jersey with his wife and three children. Outside of work, he stays active by exercising and participating in various sports. He is also involved in his community as head coach of Westfield Baseball League and Westfield PAL Flag Football.

Patricia Tenuto is a financial advisor at Merrill with 38 years of industry experience. She has been with Merrill since 1998 and holds a Series 63 designation. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Francis Collins is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2019. He brings extensive experience in financial strategy, specializing in equity compensation plans, holistic asset and liability management, cash management and lending solutions, as well as trust and estate planning strategies. Francis focuses on advising corporate executives and high-net-worth clients, addressing complex challenges such as concentrated stock positions and tax minimization. His expertise encompasses executive compensation, family wealth management, personal retirement planning, and managing new wealth, with a particular emphasis on sophisticated wealth management solutions. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rutgers University and a Master's Degree from Pace University. Outside of his professional work, Francis has interests that include basketball, boxing, football, photography, reading, soccer, surfing, and traveling.

Jacqueline Weiner is a financial advisor at Merrill with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Bank of America and The Corcoran Group. 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 serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

John Paul Pawlowski is a Wealth Management Advisor at Merrill Lynch Wealth Management. He provides planning-based asset management services to a select group of successful individuals and businesses. As a CERTIFIED FINANCIAL PLANNER® professional, he aims to be his clients' trusted advisor, assisting them in managing every aspect of their wealth. Together with specialists in different areas, his team offers a range of services including portfolio management, market research, wealth preservation, retirement planning, income solutions, Rule 144 equity sales, and lending services through Bank of America, N.A. John Paul holds a Bachelor's degree in Business Administration from Muhlenberg College. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). He lives in Ridgewood, New Jersey with his wife, Eliza, and their two sons, Jack and Logan. His personal interests include basketball, golfing, running, skiing, and spending time with his family.

Richard Beechler is a Financial Advisor at Merrill Lynch Wealth Management based in New York City. He works with individuals, families, and business owners to provide guidance on investments, retirement planning, and long-term wealth management. Richard emphasizes building trusted relationships and delivering personalized financial advice tailored to each client's unique goals. His approach centers on helping clients make informed financial decisions with clarity and confidence, aiming to turn financial aspirations into lasting outcomes. Richard holds the Personal Investment Advisor (PIA) designation, reflecting his commitment to professional standards in investment advising. He earned a Bachelor's Degree from Michigan State University. Richard's professional experience is focused on delivering comprehensive financial planning and wealth management services in a personal and relational manner.

Adam White is a financial advisor at Merrill with 19 years of industry experience. He holds the CFA® designation and a Series 66 license. His prior roles include positions at JPMorgan Chase Bank NA and JPMorgan Securities LLC. 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, and various institutional investors.

Sean Gavin is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since 2017. He has over 20 years of experience in the financial services industry, including positions at Bear Stearns, SAC Capital, LLC, and as Chief Financial Officer and Head of Investments at a publicly-traded investment company. Sean's background includes portfolio management, investment banking, risk management, and venture capital. Sean holds dual Bachelor of Science degrees in Finance and Operations & Strategic Management from Boston College and an MBA with a specialization in Quantitative Finance from the Stern School of Business at New York University. He is a Chartered Financial Analyst (CFA) charterholder and a member of the CFA Institute. Additionally, Sean holds the Sports & Entertainment Accredited Wealth Management Advisor™ designation. Outside of his professional career, Sean resides in Manhattan with his two children. He engages in activities such as running, golfing, fishing, and skiing, and is involved in community service through organizations including the New York Blood Center and The Mission Continues.

Laura Kennedy is a financial advisor with Merrill in New York, NY, holding a Series 66 designation and seven years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017 and has prior experience with Osprey Underwriters, Extended Travel, Sieger & Smith, and Iona College. 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 offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Kiernan is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he focuses on developing personalized financial strategies tailored to each client's unique goals and circumstances. He aims to provide a comprehensive approach to wealth management by integrating investment insights from Merrill and financial solutions from Bank of America. Joseph holds a Bachelor's Degree from Union College and carries the Personal Investment Advisor (PIA) designation. He embraces the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. His approach centers on working one-on-one with clients to help them pursue their long-term financial objectives.

Melissa Schmitt is a Financial Advisor at ADP, currently part of Merrill Lynch Wealth Management. She provides personalized financial advice aimed at helping clients define their goals and develop portfolio strategies to meet those objectives. Melissa offers ongoing advisory support and adapts strategies as clients' situations evolve. Melissa brings over 10 years of experience in the financial services industry, including more than a decade in France and over four years in the United States. Prior to joining Merrill Lynch Wealth Management in 2023, she was a Wealth Relationship Manager at HSBC in Paris. She also participated in the Advisor Development program at JP Morgan Chase and began her career as a Private Client Advisor at CIC Bank in France. Her areas of expertise include college education planning, equity compensation services, retirement planning, portfolio management, and tax minimization. She holds a Personal Investment Advisor (PIA) designation and has earned a Bachelor's Degree from University Metz Saulcy in France, an Associate's Degree from Pigier, France, and a High School Diploma from Lycee Poncelet, France. Melissa is fluent in English and French. Outside of her professional work, she has interests in cooking, running, soccer, and traveling.

Jack Klein is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in 1978 at Lebenthal & Co., Inc., a regional municipal bond house. Jack works closely with families and aims to build relationships that span generations. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from the University of Connecticut. In addition to his advisory role, Jack serves as the office coordinator for the summer intern and financial advisor training program.

Anthony Hahn is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Merrill since 2011. In addition to his advisory role, he works part-time as a machine operator for advertisements at the Staten Island Advance. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Realmuto is a financial advisor at Merrill in New York, NY, holding a Series 66 designation. He has been with Merrill since 2024 and previously operated a retail arbitrage business through KixSpace LLC from 2019 to 2024. Prior to his advisory role, he held positions at Bank of America and taught at Stony Brook University and Suffolk County Community College. 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, and institutional investors.

Richard Pluta is a financial advisor at Merrill with a Series 63 credential and 42 years of industry experience. He has been with Merrill since 1982 and has concurrently worked at Bank of America, N.A. since 2011. Outside of his advisory role, Pluta volunteers with charitable organizations including the Mobile Trauma Unit and serves on the advisory board for Companions in Courage, a nonprofit focused on children's hospital playrooms. 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 both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Gordon Glenn is a Financial Advisor with Merrill Lynch Wealth Management. He is a Personal Investment Advisor (PIA) specializing in assisting clients by uncovering what matters most to them and their families to create strategies aimed at pursuing their financial goals. Gordon's educational background includes a High School Diploma/GED from Montclair High School. He also attended Saint Bonaventure University and the University of Delaware but did not receive a degree from either institution. His professional designation as a Personal Investment Advisor reflects his commitment to providing tailored financial advice. Further details about Gordon's personal interests and community involvement are not provided.