Conner Pendley is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he served as a Relationship Manager at Fidelity Investments from 2023 to 2025, and as a High Net Worth Associate from 2022 to 2023. Before joining Fidelity Investments, he worked as a Financial Representative at Northwestern Mutual from 2019 to 2022. Conner's approach to financial advising is centered on a disciplined, client-focused process. He emphasizes understanding each client's comprehensive financial situation, priorities, and long-term goals. He sees his role as a collaborative partner, offering objective guidance, comprehensive planning, and consistent communication to help clients make informed decisions with confidence. He holds a California Insurance License. Outside of his professional work, Conner has personal interests that include baseball, beach activities, bowling, fitness, football, and snowboarding.

Terrie Rudolph is a financial advisor at Merrill with 37 years of industry experience. She holds the Series 66 designation and has been with Merrill since 1997. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

April Solis is a financial advisor at Merrill with 27 years of industry experience. She has held her position at Merrill since 2001 and holds Series 63 and Series 66 licenses. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Juan Zhao is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and previously worked at Bank of America from 2019 to 2022. His background includes a range of roles prior to joining Merrill in 2022. 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.

Jo Ann Anderson is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Merrill since 2009 and has concurrently worked with Bank of America N.A. 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 a range of clients including individuals, high-net-worth investors, and charitable organizations.

Michael Wagschal is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 65 credentials and over 23 years in the industry. He has been with Merrill since 2000. Outside of his advisory role, he is the general partner of Wags Instant Fantasy Sports Inc, a company developing a fantasy sports mobile application. 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 for a range of clients including individuals, high-net-worth clients, and institutions.

Rolando Lopez is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Newport Beach, California. Since joining Merrill in 2015, he has partnered with Gabe Pate to establish the PL Wealth Management Group. Rolando serves a select group of successful professionals, business owners, and retirees, providing tailored strategies that address their unique financial circumstances and long-term goals. With experience in the financial services industry dating back to 2013, Rolando takes a highly personalized approach, understanding each client's complete financial picture to develop customized strategies across investment management, retirement planning, estate and trust considerations, cash flow analysis, and other financial areas. His expertise encompasses college education planning, divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and tax minimization. Rolando earned a Bachelor of Arts in Business Administration with a concentration in Finance from California State University, Fullerton, emphasizing investment and financial planning. He holds FINRA Series 7, 6, 63, and 66 registrations, life and health insurance licenses, and designations including Chartered Financial Consultant (ChFC), Retirement Accredited Financial Advisor (RAFA), and Certified Plan Fiduciary Advisor (CPFA). An Orange County native, he resides in Fountain Valley with his wife, Makenna, their two sons, Luca and Levi, and their dogs. Outside of his professional work, Rolando enjoys spending time with his family, engaging in adventure sports, camping, golfing, soccer, and traveling. He is also involved with the Make-A-Wish Foundation in Orange County.

Alexander Baer is a Senior Financial Advisor and partner at The Baer Group, Merrill Lynch Wealth Management in Pasadena, California. He serves a diverse clientele that includes families, individuals, and successful business owners. With over 30 years of combined industry experience within the team, Alexander specializes in developing flexible goals-based financial strategies for both short and long-term objectives. He provides clients with access to Merrill's investment insights and Bank of America's banking and lending solutions to address various aspects of their financial lives. Alexander's comprehensive approach begins with understanding the client and their family's financial situation and priorities. Services he focuses on include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Alexander earned a Bachelor's Degree from Pepperdine University. Outside of his professional role, Alexander enjoys an active lifestyle with interests in adventure sports, baseball, basketball, chess, football, golfing, hiking, music, volleyball, and spending time with his family. He is engaged in his community through participation in organizations such as the Pacific Coast Baseball League, Pepperdine University Alumni, Posse Foundation, Sigma Phi Epsilon Fraternity, and Southern California Golf Association.

Jay Le is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in providing personalized financial strategies to individuals, families, and institutional clients. Jay offers a comprehensive approach that integrates investment insights from Merrill and banking solutions from Bank of America to address various financial needs, including credit, cash management, and specialty financing. Jay's expertise encompasses complex financial planning, with client focus areas that include college education planning, divorce transition planning, family wealth management strategies, legacy planning, retirement planning, philanthropic planning, and investment consulting for defined benefit and contribution plans. He holds multiple professional designations, such as Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), among others. He earned a Bachelor's Degree from HUFLIT and communicates fluently in Vietnamese and English. Jay is committed to community involvement and volunteers with organizations in his community. His personal interests include music, spending time with his family, and traveling.

Timothy Chon is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been serving Orange County's ultra-high net worth clientele as a partner on the Nam | Bernal Team for over ten years. His professional focus is on growing and preserving wealth through a commitment to integrity and a strong work ethic. Timothy's expertise includes college education planning, corporate benefits, divorce transition planning, employee benefits planning, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor's Degree from the California State University System and the Personal Investment Advisor (PIA) designation. An Orange County native, Timothy enjoys running marathons, camping, hiking, and spending time with his wife, Lesley.

Dorothy Mc Gee is a Series 66 licensed advisor with Merrill, located in Newport Beach, CA. She has been with Merrill since 1997 and has worked concurrently at Banc of America Investment Services, Inc. and Bank of America, N.A. since 2006. 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 various institutional investors.

Stephanie Gormley is a financial advisor at Merrill with nine years at the firm and a total of 17 years in the industry. She holds the Series 66 credential and previously worked at Wells Fargo Bank for 13 years. Gormley serves as a director for the CharitableREACH Foundation, advising high school interns in the Placentia Yorba Linda School District on career development and business topics. 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.

Connor Campbell is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in areas including college education planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Connor earned a bachelor's degree from the University of California, Los Angeles, graduating in December 2019 with a History degree with emphasis in Economics and Business Management. He also graduated Magna Cum Laude from Saddleback College with an Associate of Science in Business Administration and was a recipient of the Alpha Rho Merit Scholarship. His professional designations include Chartered Financial Consultant (ChFC) and Personal Investment Advisor (PIA). Prior to his current role, Connor gained experience through internships and associate positions with the Walt Disney Company, 21st Century Fox, and Merrill Lynch Wealth Management. Raised in Dana Point, California, Connor served as an Orange County Lifeguard for four years. He has participated in community organizations including Project Independence, the Surfrider Foundation, and the Windriders Foundation. Outside of work, he enjoys fishing, golfing, skiing, surfing, swimming, and spending time with his family.

Linda Rusmisel is a financial advisor at Merrill with 47 years of industry experience. She has been with Merrill since 1972. 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.

Jing Wang is a financial advisor at Merrill holding a Series 66 designation with no prior industry experience. Their work history includes roles at Westcliff University and various self-employed and contractor positions before joining Merrill in 2026. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Nicholas McCutcheon is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with high net worth individuals and institutions across the country who have complex wealth management needs and distinctive priorities. Nicholas advises clients across their financial landscape, including banking, strategic lending, and wealth management, providing guidance to entrepreneurs, business owners, executives, retirees, and foundations. Nicholas began his career in 2015 in the lending industry, gaining experience in residential and commercial lending. He served as Vice President and Private Client Advisor at Bank of America Private Bank starting in 2018 and joined Morgan Stanley as a Financial Advisor and Vice President in 2020. In 2022, he returned to Merrill Lynch, continuing his career in wealth management. Nicholas holds a Bachelor's degree from the Haas School of Business at the University of California, Berkeley, and is a Personal Investment Advisor (PIA). His involvement includes membership in the Cal Alumni Association and Friends of California Crew. Outside of his professional work, Nicholas supports the Orange County Food Bank. He values family time spent with his wife, Adriana, a Physician Assistant specializing in cardiology, and their three children, Madison, Daniel, and Thomas.

Kevin Curry is a financial advisor at Merrill with over 21 years at the firm and 10 years of industry experience. He holds a Series 66 designation. Outside of his advisory role, he is an owner of a family business unrelated to his investment work. 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 a diverse client base including individuals, high-net-worth clients, and institutions.

Bryce Mott is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Newport Beach, California. He began his financial advisory career in 2011 and uses the combined resources of Merrill Lynch Wealth Management and Bank of America to provide a comprehensive range of investment services. Bryce's expertise encompasses wealth management, college savings plans, retirement planning, life insurance, home and business financing, portfolio construction, and trust and estate planning. Bryce holds a bachelor's degree in Psychology from the University of Arizona, earned in 1997, and maintains FINRA Series 7 and 66 registrations as well as an insurance license. Additionally, he holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A California native, Bryce resides in Corona del Mar with his wife and two sons. He is actively involved in his community as a board member of both the Harbor View Dads and the Corona del Mar Residents Association. His personal interests include CrossFit training, coaching youth soccer, and participating in local running events. Bryce’s approach to wealth management centers on building long-term client relationships through disciplined strategies and attentive service.

Adriana Acosta is a financial advisor at Merrill with 8 years of industry experience and holds Series 63 and Series 65 licenses. She has worked at Bank of America, N.A. and BOFA Securities, Inc. Prior to these roles, she was with Merrill starting in 2006. Outside of her advisory work, she serves as a board member of Tech San Diego, a nonprofit focused on developing the regional technology ecosystem. 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 to a diverse client base including individuals, high-net-worth clients, and institutions.

Steven Bernardy is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1997. He manages the Santa Ana office and focuses on helping clients determine and implement long-term financial and wealth management strategies, with particular attention to estate planning in coordination with clients' other advisors. Steven's client focus areas include education planning, legacy planning, personal retirement planning, and retirement income. Steven graduated with a Bachelor's Degree in Economics from UCLA in 1983 and began his career as a financial advisor that same year. He holds several professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his advisory work, Steven has taught investment courses for over 15 years at local community colleges. Outside of his professional role, Steven has been involved with charitable organizations such as Olive Crest, which provides homes and services for abused children. He lives in North Tustin with his wife, Suzanne, and enjoys playing hockey, tennis, pickleball, and golf.