Joshua Jespersen is a Senior Financial Advisor with The JEMM Group at Merrill Lynch Wealth Management, where he has worked since 2006. In his role, he focuses on institutional asset management and consulting, serving both philanthropic organizations and a select group of individual investors. Joshua contributes to the team’s portfolio construction and maintenance processes, providing detailed analysis and explanation of portfolio results to help clients understand the impact of global market and economic trends on their investments. Joshua’s expertise includes education planning, family wealth management strategies, institutional consulting, and socially responsible investing, among other areas. He participates actively in client education through presentations at nonprofit board meetings and manages team support staff to ensure service models adapt to evolving client needs. His responsibilities also involve risk management coordination and leveraging the resources within Merrill Lynch Wealth Management. He holds a Bachelor's degree from Syracuse University and has earned multiple professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Plan Fiduciary Advisor (CPFA™), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, Joshua enjoys camping, hiking, music, reading, spending time with his family, and watching movies.

Horacio Miranda is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2012 and Bank of America since 2014. Miranda serves as a board member for the Roman Catholic Diocese of Phoenix Investment Management Committee and Arizona Talks, a nonprofit focused on fostering civil dialogue in Arizona. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Margarita San Juan is a Wealth Management Advisor at Merrill Lynch Wealth Management. She works with high net worth families, often in partnership with their other advisors, to provide well thought out advice, guidance, and service across all aspects of their financial lives. Her approach involves total wealth care to address clients' comprehensive financial needs. Since beginning her career in financial services in 1996, Margarita has developed expertise in areas such as college education planning, family wealth management strategies, retirement income, legacy planning, and investment consulting for defined contribution plans. She is dedicated to helping clients achieve their financial goals through a consultative process and fostering long-term client relationships that often extend across generations. Margarita holds dual bachelor's degrees from the University of California, Irvine, earned in 2004. She has attained multiple professional designations, including Certified Private Wealth Advisor®, Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor, Certified Exit Planning Advisor, Personal Investment Advisor, and Retirement Benefits Consultant. Additionally, she has attended executive education programs at Harvard Business School and Yale School of Management. Outside of her professional work, Margarita is involved with Harbor Day School and the Newport Hills Swim Team, where she contributes as a volunteer. Her personal interests include spending time with her family, swimming, traveling, and watching movies.

J Douglas Moran is a Senior Financial Advisor at Merrill Lynch Wealth Management with 28 years of experience at the firm. He holds offices on both the East and West Coasts, located in Wayne, Pennsylvania, and Newport Beach, California. Doug works with clients to develop comprehensive wealth management strategies, offering services that cover a broad spectrum of financial needs including college education planning, corporate executive services, family wealth management strategies, and socially responsible investing. Doug holds several professional designations such as the Certified Divorce Financial Analyst®, Chartered Retirement Planning Counselor™, Certified Exit Planning Advisor®, and Personal Investment Advisor (PIA). He has been recognized multiple times on Barron's Top 1,200 Financial Advisors list and Forbes Best-in-State Wealth Advisors list. A graduate of Providence College and Episcopal Academy, he brings a client-focused approach supported by a talented team and the wide-ranging resources of Merrill Lynch. Outside of his professional career, Doug is involved with The Laguna Ocean Foundation. His personal interests include biking, hiking, reading, spending time with family, tennis, traveling, and yoga.

Richard Donovan is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 2009 and Bank of America, N.A. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Heidi Leu is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been with Merrill since 2012 and concurrently associated with Bank of America since 2013. Outside of her advisory role, she owns a business unrelated to investment activities. 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 both model-based and discretionary investment strategies and serves a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Julie Donohue is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she serves as a consultant for essential oil distributors Doterra and Young Living for personal use. 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.

Brandon Sanford is a financial advisor at Merrill with 23 years of industry experience. He holds a Series 66 credential and has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 2002 and at Bank of America, N.A. since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gregory Clemmer is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Newport Beach. He has been with Merrill Lynch since 2006, bringing extensive experience in wealth management and financial planning. Greg works with select families, closely held business owners, and executives, providing tailored financial frameworks that address complex financial affairs and individual lifestyle goals. His areas of expertise include college education planning, family wealth management strategies, retirement income planning, liquidity management, and services for endowments, foundations, non-profits, and defined benefit plans. Greg’s approach integrates customized asset and liability management, goals-based retirement planning, and comprehensive business guidance, including pre- and post-liquidity strategies and exit planning. Greg holds a Bachelor's Degree from the University of Oregon and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Originally from Northern California, he now lives in Newport Beach with his wife Rachel and their children. Outside of work, Greg enjoys golf, outdoor activities, and spending time with his family, and he is a dedicated University of Oregon Ducks fan.

Michael Poole is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 10 years of industry experience. He has worked at Bank of America, N.A. and Merrill Lynch Pierce Fenner & Smith since 2016. 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.

Jennifer Hong is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. Her prior work includes roles at UC Innovation, JPMorgan Chase Bank, J.P. Morgan Securities LLC, and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Daniel Czapla is a financial advisor at Merrill with 40 years of industry experience. He holds a Series 63 designation and has been with Merrill since 1986. Prior to and concurrently with his role at Merrill, he has also worked at Bank of America since 2009. 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 and profit-sharing plans, corporations, and charitable organizations.

Luis Manuel Bernal is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with high income and high net worth professionals, business owners, executives, and wealthy families. Luis and the NB Group focus on organizing clients' life priorities and understanding the lifestyles their clients wish to maintain now and into the future. They build and manage personalized financial strategies to help clients achieve their individual goals. Their guidance extends through major life events and includes customized stock and bond strategies, Merrill Lynch Wealth Management model portfolios, and third-party financial strategies, along with personalized banking, lending, and estate planning services. Luis holds a Bachelor of Arts in Business Administration from California State University, Fullerton, with an emphasis in Marketing. He is a CERTIFIED FINANCIAL PLANNER® Professional and holds the Chartered Retirement Planning Counselor™ designation, as well as the Personal Investment Advisor (PIA) designation. He speaks both Spanish and English. Outside of his professional work, Luis is involved in his community as a coach at Golden Hill Little League in the city of Fullerton and has served as the chairperson for the city of Fullerton Investment Advisory Committee. He lives in Fullerton with his wife Sarah, their three children, and two American Bulldogs. In his free time, he enjoys outdoor activities such as camping, running, hiking, coaching baseball and soccer, attending baseball games and concerts, golfing, gardening, reading, and spending time with his family.

Maureen Tschopp is a Wealth Management Advisor at Merrill Lynch Wealth Management. She holds the CERTIFIED FINANCIAL PLANNER (CFP) and Chartered Retirement Planning Counselor (CRPC) designations and brings over three decades of experience in the financial services industry. Maureen has worked for Bank of America, Wells Fargo Home Mortgage, and Comerica Bank before joining Merrill Lynch Wealth Management in 2011. She specializes in areas including college education planning, divorce transition planning, executive compensation, legacy planning, LGBT wealth planning, small business strategies, socially responsible and values-based investing, women and wealth, tax minimization, and retirement income. Maureen holds a Bachelor's degree in Business from California State University, Fullerton, along with Series 7 and 66 FINRA registrations, and insurance and annuity licenses. In addition to her professional work, Maureen serves as President of Merrill's Orange County Chapter of The Women's Exchange and mentors young entrepreneurs while teaching financial literacy to future generations. She lives in Coto de Caza with her family and enjoys cycling, hiking, gardening, entertaining, and travel.

Nicholas Hardi is a financial advisor at Merrill with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Bank of America, HSBC Securities, and JP Morgan. Outside of his advisory role, he is the owner of Formosa Capital LLC, a for-profit LLC established to accept rental payments. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gabriel Pate is a Senior Financial Advisor at Merrill Lynch Wealth Management and a founding partner of the PL Wealth Management Group. Since beginning his career with Merrill in 1998, he has specialized in serving affluent individuals and families, corporate executives, and entrepreneurs. Gabe's expertise encompasses portfolio management, retirement planning, estate planning services, and family legacy planning. He emphasizes proactive service and leads a dedicated team focused on clients’ unique needs, values, and goals to deliver integrated wealth planning and strategies. Gabe holds a bachelor's degree from Brigham Young University and a Juris Doctor degree from the University of San Diego School of Law. He is a member of the State Bar of California and maintains FINRA Series 7, Series 66, and Series 63 registrations, along with life and health insurance licenses. He holds the Personal Investment Advisor (PIA) designation. In addition to his professional work, Gabe is involved with community organizations including Childhelp and the Church of Jesus Christ of Latter-day Saints. He enjoys playing golf and tennis in his spare time.

William Wheatley is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on building wealth for clients through a portfolio management strategy with an emphasis on securities of companies that are steadily growing their earnings. His portfolios are broadly diversified among both companies and industry groups. Wheatley specializes in retirement income planning for retirees and pre-retirees, wealth building strategies for goal-oriented families and individuals, and company retirement plans such as 401(k), profit sharing, and defined benefit plans. His techniques include goals-based planning, tax-minimization strategies, portfolio risk management, and disciplined portfolio asset allocation and security selection. He emphasizes communication, goal tracking, portfolio management, and advice in his client service model, supported by a dedicated service team committed to delivering a personalized experience. He holds a Bachelor's Degree from California State Polytechnic University and a Master's Degree from California State University. Wheatley has earned professional designations as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). He is bilingual in Spanish and English. In his personal time, he enjoys playing tennis, singing in the church choir, and spending time with his family in Corona del Mar.

Alecsander Bertok is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has prior experience at United Wholesale Mortgage. Bertok studied at the University of Dayton and was involved with its Athletic Department during his time there. 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 clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Trent Baxter is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has been with Merrill since 2016. Prior to his advisory role, he worked at Irvine Valley College for three years and Cal State Fullerton 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Chris Martin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1989, focusing on understanding the financial priorities and complexities of individuals, families, and businesses. Chris provides personalized attention and develops disciplined, customized financial strategies for his clients. Chris leverages the investment resources of Merrill Lynch Wealth Management and the banking strength of Bank of America to address various client financial needs, including investments, tax minimization, retirement assets, and services. He works to craft strategies aimed at helping clients build, manage, and preserve their wealth for present and future generations. His client focus areas include college education planning, personal retirement planning, and retirement income. Chris holds a Bachelor of Science degree in Finance from California State University Fullerton and an Associate's Degree from Cypress College. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®), as well as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, he enjoys golfing, hiking, refereeing, skiing, soccer, and spending time with his family.