Scott Adler is a financial advisor at Merrill with 22 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Merrill, Range Financial Group, Fidelity Brokerage Services, and Wells Fargo Investments. Outside of advising, he is co-owner of Heitt Health Corp, a family business focused on healthy vending for schools. 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, retirement plans, corporations, and charitable organizations.

Laura Dang is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She previously worked at UnionBanc Investment Services and Union Bank from 2009 to 2021. 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.

Ryan Dayala is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 12 years of industry experience. He has been affiliated with Bank of America and Merrill since 2014. Outside of his advisory role, he engages in occasional sales of personal collectibles through online platforms such as eBay and StockX. 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, retirement plans, corporations, and charitable organizations.

John Nguyen is a financial advisor at Merrill with 17 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2010, with a brief period at JPMorgan Securities LLC and Wells Fargo Investments. He is based in Newport Beach, CA. 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.

Guy Hugaert is a financial advisor at Merrill with 23 years of industry experience and holds the Series 66 designation. He has been with Merrill and Bank of America since 2014 and previously worked at Morgan Stanley for one year. Outside of his advisory role, he serves as a power of attorney for his siblings. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Rachel Lee is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Bank of America and Merrill since 2012. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Mary Haithcock is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 credentials and 33 years of industry experience. She has been with Merrill since 1996. 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.

Justin Lacey serves as a Senior Resident Director and Wealth Management Advisor. He collaborates with successful, time-constrained executives, business owners, physicians, and attorneys to organize and protect their financial lives, assisting them in using their wealth confidently today and in the future. His role involves delivering customized planning and investment strategies aimed at simplifying complexity and reducing the time clients spend managing their finances. He works with clients dealing with financial complexity such as concentrated positions, business ownership, multiple income streams, and coordinating investments, taxes, and risk management. Justin's approach to financial advising is shaped by his personal experience witnessing his father's health challenges and the impact on his family's financial stability. He began his career in accounting before transitioning to financial advising, focusing on anticipating risk, preparing for uncertainty, and building resilient financial foundations. He holds a Certified Public Accountant (CPA®) license and is a CERTIFIED FINANCIAL PLANNER® professional, along with other advanced financial planning designations including Accredited Wealth Management Advisor (AWMA), Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Justin graduated Magna Cum Laude from the University of Southern California with a double major in Business Administration and Accounting. He maintains community involvement through organizations such as the University of Southern California (USC) Black Alumni Association and the USC Leventhal School of Accounting.

Jing Yang is a financial advisor at Merrill with a Series 66 designation and 7 years of industry experience. Yang has been working with Bank of America and Merrill since 2015. 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.

Mark Crismon is a financial advisor at Merrill with six years of industry experience. Prior to joining Merrill in 2023, he worked for twelve years at JPMorgan Chase. Outside of his advisory role, he owns and manages a travel agency, Terra Tour and Travel Advisors, LLC, which has been in operation for 45 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, and institutional investors.

Dylan Massey is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill in 2025, he worked at Mercer for three years and has experience with Murow Development Consultants and California Polytechnic State University. 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 using model-based and discretionary investment strategies developed by internal and third-party managers.

Shannon Giesecke is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Inc since 2004. Outside of her advisory role, she serves as the manager of an LLC established for estate planning purposes related to family-owned commercial storage facilities. 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 institutions.

Jason Reyes is a financial advisor at Merrill with 25 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2000, also serving at Bank of America, N.A. since 2017. 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.

Nicholas Kolesar is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has been with Merrill since 2009 and has been affiliated with Bank of America since 2002. Kolesar serves as a director for the Boys & Girls Club of Greater Scottsdale and the Central Arizona Estate Planning Counsel, both charitable organizations. 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, and institutions.

Debra Patriquin is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 1994 and has been with Merrill Lynch for 28 years. Her areas of focus include Divorce Transition Planning, Education Planning, Family Wealth Management Strategies, Investment Consulting for Defined Contribution Plans, Legacy Planning, Personal Retirement Planning, Philanthropic Planning, Portfolio Management Services, Socially Responsible and ESG Investing, and Women and Wealth. Debra holds multiple professional designations including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She received her Bachelor's Degree in Business Administration with a minor in Journalism from the University of California Riverside and has completed additional academic training in finance and management through the University of California system. Outside of her professional work, Debra is a member of the Anaheim Hills Rotary Club and serves as the Youth Service Chair. She enjoys spending time with her family, including her two teenagers, and participates in activities such as traveling and golfing.

Jing Jin is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining Merrill in 2018, Jing worked at Banc of California from 2016 to 2018. 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 institutions.

Brandon Espley is a financial advisor at Merrill with nine years of experience at the firm and two years in the industry. He holds a Series 66 designation. Prior to Merrill, he worked at Kohl’s and taught at Orange Coast 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brandon Baldwin is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has served since 2011. In his role, he focuses on investment management and retirement planning, working primarily with corporate executives, small business owners, and retirees. Brandon applies a comprehensive financial planning process that emphasizes establishing clear objectives, defining strategy, implementing recommendations, and reviewing progress to help clients achieve long-term financial security. Brandon holds an M.B.A. with a concentration in Finance from the University of La Verne and earned his bachelor's degree from San Diego State University in 2004. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor® (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise spans college education planning, employee benefits, defined benefit plans, liquidity management, portfolio management, small business strategies, and retirement income. Residing in Newport Beach with his wife and two children, Brandon enjoys outdoor activities such as hiking local trails and spending time at the beach. He is also engaged in community volunteer work, reflecting his commitment to the communities he serves.

Emily Sekulic is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she works with clients to understand their current financial situations and assist them in pursuing their future financial goals. She connects all aspects of her clients' financial lives to help simplify, prioritize, and pursue the goals that matter most to them. Before becoming a financial advisor, Emily was a California licensed attorney. Her academic background includes a Bachelor's Degree in Economics and History from the University of Virginia and a Juris Doctorate Degree from Thomas Jefferson School of Law. She holds the professional designations of Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), and Personal Investment Advisor (PIA). Emily is involved in several professional and community organizations, including Athena SD and the Sharp Health Care Foundation's "Growing Together" Campaign for Healthier Babies, where she serves as a council member. She has also been part of the Thomas Jefferson School of Law Alumni Association Board of Directors. Additionally, she contributes to The New Children's Museum.

Todd Sherman is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. He has been with Merrill since 2016. 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.