Steven Roccuzzo is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been a member of the Waltuch Group since joining in 2014. In his role, he works with high net worth individuals and their families to manage their finances and plan for their financial futures. Steven emphasizes making personal connections to understand each client's unique financial goals and creating strategies designed to achieve those goals. His client focus areas include college education planning, family wealth management strategies, legacy planning, retirement income, portfolio management services, and tax minimization, among others. Before becoming a financial advisor, Steven started his career in the finance industry as an Energy Broker at GFI Group, Inc. in New York City. He initially joined Merrill Lynch Wealth Management as a Registered Client Associate, where he learned the importance of personal client relationships and customer service. Over time, he became more involved in planning, market research, and investments, leading to his current role as a financial advisor. In 2017, he earned the CERTIFIED FINANCIAL PLANNER® certification to better serve his clients. Steven holds a Bachelor's Degree from Gettysburg College. He grew up in Glen Ridge, New Jersey, and currently resides in Montclair, New Jersey. Outside of work, he enjoys baseball, cooking, football, and spending time with his family.

Mary Kiyonaga Di Giacomo is an International Wealth Advisor with Merrill Lynch Wealth Management. She specializes in creating personalized wealth management strategies that align with each client's unique financial goals and the dynamic conditions of today's markets. Mary provides clients with access to Merrill's investment insights as well as Bank of America's banking and lending solutions. Mary holds the Professional Investment Advisor (PIA) designation. Her educational background includes an Associate's Degree from Marymount College, completion of high school at Stone Ridge, and attendance at the University of Maryland, where no degree was conferred. She is committed to working closely with clients to develop tailored financial plans that support their long-term objectives.

Kathleen Vrabel is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 1992 and Bank of America since 2010. 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, with portfolio implementation varying by strategy and incorporating tactical asset allocation and tax-aware options.

Courtney Kwas is an International Wealth Advisor with Merrill Lynch Wealth Management. He has over 30 years of experience in the financial services industry, specializing in fixed-income strategies such as corporate, municipal, high yield, structured investments, and both dollar and non-dollar denominated international securities. He also designs equity portfolios tailored to clients' risk tolerance. Before joining Merrill Lynch Wealth Management, Courtney spent 13 years with Citigroup, including five years with the Smith Barney Private Branch, where he focused on domestic and international high-net-worth clients. He has also served as an Equity and Fixed-Income Consultant for Janney Montgomery Scott. Courtney holds a Bachelor's degree from Baruch College and the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He is registered with the Canadian NRD. Courtney lives in New York City with his wife and two sons.

Robert Furst is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of The Selvin Furst Group. He has focused his career on serving executives, entrepreneurs, professionals, entertainers, and high-net-worth families across 36 states, addressing financial challenges that range from building and expanding businesses to legacy and retirement planning. Robert collaborates with clients and their legal and tax professionals to implement various strategies tailored to their needs. With over a decade of experience, Robert manages diverse financial matters including life insurance, college funding, retirement plans, and real estate financing through Bank of America credit and lending. As a Senior Portfolio Advisor, he manages discretionary investment strategies that may involve individual securities, model portfolios, and third-party strategies. He holds several professional designations, including Certified Private Wealth Advisor® and Chartered Retirement Planning Counselor®, and has been recognized by Forbes on multiple occasions for his role in wealth management. Robert is a graduate of the University of Michigan and actively participates in the Michigan Alumni Association and its New York chapter, serving in leadership capacities related to career programming. He also contributes as a financial literacy speaker for Michigan Athletics Career Center. Outside of his professional work, Robert enjoys reading, spending time with his family, swimming, and pursuing his interests in watches and automobiles.

Joseph Barnett serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings nearly three decades of experience in commercial banking and corporate finance, having worked with various multinational banks. His role involves providing investment and wealth management services, including wealth development, transfer, and preservation, along with retirement and estate planning. Joe's expertise centers on assisting business owners by integrating banking and investment strategies. His team employs a hybrid model that aligns the business and personal financial goals of clients, leveraging resources from Merrill Lynch Wealth Management and Bank of America. He focuses on cash flow management, acquisition and trade finance, equipment and term debt, commercial lending, leveraged buyouts, private placement, and cash management, understanding the interaction between businesses, their owners, and successive generations. Before his financial career, Joe served five years as a naval special-forces officer. He earned a Bachelor's Degree in corporate finance and economics from Baruch College in New York City. Joe holds the Personal Investment Advisor (PIA) designation and is based in New York, where he applies his knowledge to support individuals, corporations, and family-owned businesses in their financial objectives.

Bansi Kachalia is a Senior Financial Advisor at Merrill Lynch Wealth Management. As a CERTIFIED FINANCIAL PLANNER® professional, she works with corporate professionals, executives, and small business owners to provide guidance on investments, retirement, and comprehensive financial planning. She partners with her clients to develop personalized financial strategies that align with their long-term goals. Bansi's approach involves a thorough analysis of her clients’ financial situations, listening closely to their priorities, and crafting custom-tailored plans designed to preserve, grow, and distribute wealth. Her expertise covers areas such as investment management, retirement income, college education planning, executive and equity compensation, liquidity management, and employee benefits planning. She integrates Merrill Lynch’s investment insights with Bank of America’s banking capabilities to offer a broad range of financial services. Bansi holds a Bachelor of Business Administration degree in Finance from Pace University and professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). She is fluent in English, Gujarati, and Hindi. Outside of her professional role, Bansi enjoys cooking, dancing, hiking, traveling, practicing yoga, and spending time with family.

Cynthia Wolff is a Wealth Management Advisor at Merrill Lynch Wealth Management and leads the Wolff Group, a team based in Manhattan. She works with a select group of families who have sophisticated financial needs requiring tailored strategies and coordination. Cynthia's approach involves identifying clients' priorities, challenges, and opportunities to accommodate both short-term needs and long-term aspirations. Cynthia has been a Financial Advisor at Merrill since 1999. Prior to this, she spent seven years as an Endowment Director and Charitable Planned Giving Specialist. She holds a bachelor's degree from Hampshire College and a J.D. from Cardozo Law School. She has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). She serves as a board member and chaired the Professional Women group at UJA Federation of New York through June 2023. Outside of her professional commitments, Cynthia enjoys biking, cooking, dancing, hiking, reading, spending time with her family, and traveling.

David Fisher is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and over 33 years of industry experience. He has been with Merrill since 1992 and also works with Bank of America, where he has been since 2009. Fisher serves as trustee for a GST exempt trust established under the will of his late mother. 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.

Helene Lefkowitz is a financial advisor at Merrill with 37 years of industry experience. She holds the Series 63 designation and has been with Merrill since 2008. 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 and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies constructed by internal and third-party managers.

David Filosa is a Wealth Management Advisor based in Merrill Lynch Wealth Management's Fifth Avenue office. He works with high-income and high-net-worth professionals and families, providing financial advice and developing comprehensive strategies to help clients pursue their life goals. David integrates investment management, legacy planning, and tax-efficient asset location to align financial strategies with clients' objectives and values. David has over 25 years of experience in financial services and practiced law for 10 years, focusing on trusts and estates as well as real estate. Before joining Merrill, he worked at Mizuho Corporate Bank Ltd., SF Solutions, LLC, and served as a principal at Morningside Securities, where he designed structured finance strategies and provided advisory services. He holds the CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Plan Fiduciary Advisor (CPFA®), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™) designations, as well as Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) certifications. David earned a Bachelor of Arts in Economics from Columbia University and a Juris Doctorate from Fordham University School of Law. He does not provide legal advice in his role at Merrill. He serves on the Board of Directors of the Society of Columbia Graduates, is a trustee of the Columbia University Club Foundation, and is a director of the Teaneck Rowing Club. Additionally, he was a founding member of the King's Crown Rowing Association.

Cassius Johnson is a Financial Advisor at Merrill Lynch Wealth Management, where he works with individuals, families, and business owners to navigate financial decisions. He focuses on developing personalized strategies that align with each client's goals, values, and life circumstances. Cassius provides guidance on wealth accumulation, retirement planning, risk management, education funding, and legacy planning. He holds a Bachelor's Degree from the University of San Diego and carries the Personal Investment Advisor (PIA) designation. Cassius emphasizes building meaningful relationships and simplifying complex financial concepts to support clients through every stage of life. He is involved with the community through Autism Tree. Outside of his professional role, Cassius enjoys adventure sports, cooking, football, music, rock climbing, skiing, spending time with his family, swimming, traveling, and watching movies.

Magnus Ranje is a Financial Advisor at Merrill Lynch Wealth Management. He has over 20 years of experience, having previously worked in investment banking and capital markets at various European banks in New York City. Magnus specializes in assisting successful professionals and business owners with complex financial decisions, including asset concentration, tax efficiency, and long-term portfolio strategy. He holds a Master of Science in Finance from Lund University and a Bachelor's degree from Stockholm University. Magnus has earned professional designations such as the Chartered Retirement Planning Counselor™ (CRPC™) and Personal Investment Advisor (PIA). Additionally, he holds the Certified ESG Analyst® (CESGA) credential from the European Federation of Financial Analysts Societies and a Diploma in Sustainable Finance and ESG Investing from NYU Stern School of Business. Fluent in English, Swedish, Norwegian, Danish, and German, Magnus is involved with the American Scandinavian Society and the Swedish American Chamber of Commerce in New York. His community activities include participation with St. John's Church - Midnight Run and Swim Across America. Outside of work, his interests include boating, golfing, and skiing.

Daniel Nolan Sr. is a financial advisor at Merrill with 46 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2009, concurrently working at Bank of America since 2011. 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 and profit-sharing plans, corporations, and charitable organizations.

Kevin Lund is a Financial Advisor based out of Merrill Lynch Wealth Management's Manhattan office. He works with individuals, families, and business owners across the country, focusing on clients whose financial situations extend beyond investment management to include complex wealth tied to single companies or assets, major life transitions, and multigenerational wealth coordination. Kevin's approach involves a comprehensive analysis of a client's total balance sheet, including assets, liabilities, liquidity, income, concentrated or illiquid holdings, tax exposure, and estate structure. He collaborates with clients' existing advisors such as CPAs and estate attorneys to ensure all aspects of financial planning align into a coherent strategy rather than disconnected ideas. Kevin joined Merrill in 2016 after earning a Bachelor's degree from the University of Arizona. He holds the Personal Investment Advisor (PIA) designation. Outside of work, he enjoys staying active, golfing, spending time with family, and supports initiatives focused on financial literacy and underserved communities in New York City.

Ford Nolan is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017. He completed his undergraduate studies at Gettysburg 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Michael Liik is a financial advisor at Merrill with Series 63 and Series 66 credentials and eight years of industry experience. His prior work includes roles at Malecki Law and various legal and financial services firms. He is based in New York, NY. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mark Johnson is a financial advisor at Merrill with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1990 and at Bank of America since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeni Cruz is a financial advisor with Merrill, holding a Series 66 designation and 15 years of experience at the firm. She is based in New York, NY and has been active in the financial industry for five years. 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.

Ricardo Gutierrez Jr. is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill since 1996, concurrently associated with Bank of America, N.A. since 2014. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional investors by providing managed account programs, discretionary portfolio management, and brokerage services. The firm’s investment management includes various program strategies and manager-constructed options, supported by oversight from its CIO and integrated with Bank of America’s wider banking and capital markets platform.