Timothy Polson is a financial advisor at Merrill with 10 years of industry experience. He has held Series 63 and Series 66 licenses and previously worked at Comerica Bank for six years before joining Merrill in 2017. He is based in Newport Beach, CA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Kian Adyani is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2016. Outside of his advisory role, he is the sole owner of a rental property business. 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.

Suzan Budak is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2008. 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, and various institutional investors.

Melaina Cano is a Senior Financial Advisor at Merrill Lynch Wealth Management and the founder of The Cano Group, which specializes in multi-generational family wealth management. She serves as a trusted advocate to a select number of families, educating and guiding them to make confident financial decisions while preparing for future changes and opportunities. The Cano Group's approach extends beyond investment portfolios to incorporate a family's broader assets, values, and long-term vision with a focus on stewardship across generations. Melaina graduated summa cum laude with a Bachelor of Science in Finance from California State University, Stanislaus. She holds the Personal Investment Advisor (PIA) designation. Melaina balances her professional role with her responsibilities as a mother and actively engages in her community through organizations such as the American Heart Association, Leukemia & Lymphoma Society, and St. Cecilia Church. She is also involved in mentoring young professionals and women pursuing careers in finance and frequently speaks at local colleges and advisory trainings.

Joseph Myers is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he has held roles at Slick Technologies LLC and Mercury Communication Services, Inc D/B/A Procure IT. Outside of finance, his background includes extended travel and work at Frank Family Vineyards. 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.

Jose Pery is a Financial Advisor affiliated with Merrill Lynch Wealth Management and the Bank of America enterprise. In his role, he focuses on connecting all aspects of clients' financial lives to help them prioritize and pursue the goals that matter most to them. He offers a wide range of financial products, including securities and investment opportunities through Merrill, as well as banking products through Bank of America. Jose draws on extensive experience in finance and corporate management. He specializes in areas such as executive compensation, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds the designation of Personal Investment Advisor (PIA). He graduated summa cum laude from Fordham University with a Bachelor's Degree in Finance. Jose lives in Orange County with his wife and four children.

Patrick Cecil is a Wealth Management Advisor at Merrill Lynch Wealth Management in Irvine, California. He has been with Merrill Lynch since 2016 and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Before joining Merrill Lynch, Patrick was a History professor after completing his Ph.D. at The University of Alabama. He also earned degrees from The George Washington University and the University of Colorado Boulder, where he spent time studying abroad in Edinburgh, Scotland. His background in research informs his work in providing wealth management advice and long-term planning strategies to help clients achieve financial and personal goals. Patrick lives in the Orange County area with his wife Ariana and son Oliver. He is involved in community organizations such as the Sons of the American Revolution, Orange Elks Lodge 1475, and his alma mater Servite High School. He also participates in various alumni associations and periodically delivers lectures in History. His personal interests include spending time with family and friends, traveling, attending hockey and football games, and following Liverpool FC.

Bianca Bigolin serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In her role, she collaborates with clients to understand their financial situations and introduces solutions available through Merrill and Bank of America. Bianca's focus is on empowering clients to manage their financial lives and select platforms that align with their current needs. She holds several professional designations, including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Bianca earned her High School Diploma from Western High School and attended Saddleback College without obtaining a degree. Bianca's personal philosophy centers on helping clients identify what matters to them and their families to develop strategies for pursuing financial goals.

Rose Pell is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. She has worked at Bank of America and its affiliate Merrill since 2024 and has held roles outside finance in arts and hospitality sectors. Pell is also involved with the Influence Church of Orange County, where she has been active since 2020. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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 charitable organizations.

Samantha Blackman is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 11 years of industry experience. She has been with Bank of America, N.A. and Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, with various features including tax-aware strategies and cash sweep programs.

Ross Harter is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 credentials and having 10 years of industry experience. His prior work includes roles at California Bank & Trust from 2015 to 2017 and Bank of America, N.A. since 2017. 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, and institutional investors.

Tawni Nguyen is a Senior Financial Advisor at Merrill Lynch Wealth Management, providing personalized financial strategies tailored to clients' goals, risk tolerance, time horizon, and liquidity needs. She offers a comprehensive approach to wealth management, incorporating insights from Merrill Lynch and banking solutions from Bank of America to address diverse aspects of clients' financial lives. Tawni's expertise includes college education planning, employee benefits planning, family wealth management strategies, small business strategies, women and wealth, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. She holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA) designations. Her educational background includes a Bachelor's Degree from the University of Phoenix, a non-accredited certificate program from Harvard Business School, and an accredited certificate program from UCLA. Tawni is bilingual in English and Vietnamese and is recognized as a newscaster in the Vietnamese American community. Beyond her advisory role, Tawni serves as an evening news anchor on Vietface TV and is a member of the Board of Directors at Pacific Symphony. She also volunteers with local organizations in line with Merrill's community involvement tradition. Tawni's personal interests include cooking, music, sewing, singing, skiing, spending time with her family, traveling, and writing.

Adela Grech is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career at Merrill Lynch in 2001 and currently holds the Certified Private Wealth Advisor® and Chartered Retirement Planning Counselor™ designations, as well as FINRA Series 7 and Series 66 registrations. Adela is a graduate of the University of Southern California School of Business with an emphasis in Finance. Her client focus areas include college education planning, family wealth management strategies, institutional and corporate benefit services, services for endowments, foundations, and non-profits, legacy planning, women and wealth, and tax minimization. Adela works closely with clients to develop personalized financial strategies designed to help them pursue their long-term goals. Adela currently resides in Laguna Beach with her husband. In her free time, she enjoys spinning, trail riding on Tennessee Walkers, boating, fishing, horseback riding, running, and spending time with her family. She is also involved in local social and philanthropic organizations and dedicates time to volunteering within the community.

William Han is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He previously held roles at BMO Bank, Bank of America, Chase Bank, HomeStreet Bank, and Wells Fargo Bank. Han serves as a board member of the Presidential Walk Association, a homeowners' association in his community. 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.

Sarah Settle is a Vice President, Financial Advisor, and Senior Portfolio Advisor at Merrill Lynch Wealth Management. She has over 15 years of experience in the financial services industry, having started her career in 2008 as a Stockbroker at Scottrade and subsequently worked at Fidelity Investments and Charles Schwab before joining Merrill Lynch. Sarah holds a Bachelor of Science degree in Finance, Real Estate, and Law from California State Polytechnic University, Pomona, and an MBA with a concentration in Finance from Pepperdine University. She holds several professional certifications including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). Her expertise includes working with high-earning professionals, families, and athletes on investments, cash-flow planning, and long-term wealth strategy. She also focuses on areas such as college education planning, family wealth management, legacy planning, and tax minimization. Sarah and her husband reside in Los Angeles. Outside of her professional work, she enjoys playing tennis, traveling, exploring new restaurants, and volunteering with the local humane society. She is also involved with Cal Poly Pomona College of Business and Shriners Hospitals for Children.

Tahira Neal is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been working in the financial industry focusing on comprehensive wealth management for over 20 years, including a tenure with Merrill Lynch since 2006. Tahira and her team use a combination of integrity, advocacy, and process to help clients manage the complex challenges of enhancing, preserving, and overseeing their wealth. Leveraging the resources of Merrill Lynch and Bank of America, they provide customized strategies tailored to affluent families, business owners, and foundations. Tahira holds several professional designations, including Certified Private Wealth Advisor (CPWA), Certified Investment Management Analyst (CIMA), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her associate's degree from Saddleback Community College. Prior to her financial career, Tahira gained 15 years of hospitality experience at the Ritz Carlton Hotel. Outside of work, Tahira volunteers with the Orangewood Foundation's 44 Women Auxiliary. She enjoys hiking, yoga, cooking, football, reading, traveling, and the performing arts. Tahira is a sports fan and has a passion for wine. She is a mother of two grown sons and grandmother to two granddaughters.

Sandra Lewandowski is a financial advisor with Merrill in Newport Beach, CA, holding a Series 66 designation and 11 years of industry experience. She has been with Merrill since 2007, including a brief period at BofA Securities in 2019. She serves as a Power of Attorney for a separate entity outside of her advisory role. 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 to individuals, high-net-worth clients, and institutional investors. The firm integrates internal and third-party portfolio management with various trading and custody services.

Vivian Chang is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing extensive experience in personalized wealth management strategies. Since joining Merrill Lynch in 2004, she has worked closely with clients to develop tailored financial plans that address their full financial picture, including investment and retirement planning, college education funding, and family wealth management. Vivian combines insights from Merrill and lending services through Bank of America to help clients pursue their long-term financial goals with flexible strategies adapted to changing market conditions. Vivian’s client-focused approach centers on understanding core values, priorities, and holistic financial situations to preserve wealth and provide security amid market uncertainties. Her expertise encompasses a broad range of areas, including managing new wealth, portfolio management, small business strategies, and retirement income planning. A Personal Investment Advisor (PIA), Vivian holds a Bachelor's degree from Fu Jen University and a Master's degree from the University of Central Missouri. Beyond her professional commitments, Vivian is actively involved in her community through volunteer work with local Baptist churches and Chinese cultural programs. She enjoys spending time with her family and pursues personal interests including traveling, photography, cooking, singing, and playing musical instruments.

Quoc Nguyen is a Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth management and retirement planning. He is a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA), with educational credentials including an Accredited Certificate Program from the College for Financial Planning. Nguyen's approach centers on developing personalized financial strategies that align with the unique ambitions and priorities of his clients. His expertise includes planning for education funding, retirement lifestyle management, and addressing potential health care costs, all aimed at helping clients achieve their long-term financial goals. Throughout his practice, he emphasizes clarity and transparency to simplify the complexities inherent in investing. He works closely with clients to integrate their personal perspectives into comprehensive financial plans, supporting families in managing their wealth and pursuing their individual objectives.

Stephen Marinacci is a Senior Financial Advisor specializing in personalized wealth management strategies at Merrill Lynch Wealth Management. He focuses on client areas such as corporate benefits, corporate executive services, divorce transition planning, and family wealth management strategies. Stephen works directly with clients to develop financial strategies tailored to their unique goals, leveraging Merrill's investment insights alongside Bank of America's banking and lending services. Stephen holds a Bachelor's Degree from Long Beach State and carries several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Drawing on his background growing up in a hardworking family in the hospitality business, Stephen emphasizes work ethic and transparency in his approach. Outside of his professional role, he spends time with his family and enjoys activities such as fishing, ice hockey, and skiing.