Xavier Manrique is a financial advisor at Merrill with two years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Crossfirst Bank/Busey Bank, BOFA Securities, Inc., and Wells Fargo Bank, NA. Outside of his advisory role, Manrique is involved in education as an instructor guide for a finance course through a joint program of Catholic University of America and Pima Community College and serves on the boards of several charitable organizations including the Tucson High Badger Foundation and the YMCA of Southern Arizona. 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 diversified model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Jalaty is a Senior Financial Advisor and Managing Director at Merrill, where he has built a career dedicated to delivering measurable value to his clients. With over two decades of experience in banking and wealth management, Michael focuses on helping clients simplify their financial lives, regain capacity and time, and pursue their specific financial goals. He has been with Bank of America since 1999 and began his role as a Financial Advisor in 2004. Michael's expertise spans long-term strategy, business and succession planning, pre- and post-liquidity event strategies, executive compensation, wealth transfer, and access to credit through Bank of America. Serving an accomplished clientele, he aims to unify and reconcile multiple aspects of clients’ financial lives to reveal a more efficient whole. He is a Personal Investment Advisor (PIA) and prioritizes a service-oriented approach, emphasizing commitment to clients and their families. Michael was born and raised in Irvine, California, where he currently lives with his wife and two daughters. Outside of his professional responsibilities, he enjoys spending time with his family, going to the beach, and riding bikes. He holds a High School Diploma from Woodbridge High School.

Matthew Little is a financial advisor at Merrill with a Series 66 designation and approximately one year of experience at the firm. His prior roles include positions at PMD Management & Realty and involvement with the Regents of the University of Colorado and the University of Colorado at Boulder. 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, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

John Nam is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been a financial advisor since 2001 and joined Merrill Lynch in 2008 following eight years with Morgan Stanley. John and his team, the NB Group, focus on working with high-net-worth clients, including business owners, corporate executives, pre-retirees, retirees, and well-established families. His approach emphasizes building long-term relationships and assisting clients in making goal-oriented and informed decisions across all aspects of their financial lives. John’s expertise includes asset allocation, estate planning, retirement planning, tax minimization, legacy planning, portfolio management, college education planning, and managing new wealth. His team offers personalized service supported by Merrill Lynch’s research resources to help preserve and grow client wealth and to address the needs of families seeking lifestyle-sustaining income and intelligent financial planning. John holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a high school diploma from Blair High School and attended the University of California system without obtaining a degree. John speaks English and Korean. Outside of work, he enjoys basketball, music, traveling, watching movies, and spending time with his wife and two children.

Anthony Mariconda is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning his career at Merrill Lynch in 2019, he has specialized in delivering comprehensive wealth management strategies tailored to the unique goals and needs of each client. His approach emphasizes active listening to develop personalized investment plans that align with clients' financial objectives and individual values. Anthony's areas of expertise include family wealth management strategies, legacy planning, personal retirement planning, individual and corporate investment strategy, and retirement income. He holds a Bachelor's Degree from the University of San Francisco and is a Personal Investment Advisor (PIA). Anthony is committed to helping clients preserve and grow their wealth while navigating changes in their financial goals over time. In addition to his professional work, Anthony is involved with the Boy Scouts of America and donates blood through the American Red Cross. His personal interests include music, running, singing, and spending time with his family.

Assumpta Kiang is a financial advisor at Merrill with 48 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill and Bank of America over the course of her career. Outside of her advisory role, she is involved with The Kiang Family Foundation and translates English poetry into Chinese. 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.

Russell Goldstein is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Merrill since 2009 and has also worked with Bank of America N.A. since 2007. Outside of his advisory work, he serves as a committee member for Phoenix Fashion Week, where he chairs a charity event benefiting breast cancer, and is an advisory board member for the nonprofit Seed Spot, which supports social entrepreneurs. 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 accounts.

Lewis Rosensitto is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, First Republic Bank, and Citigroup Global Markets. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Ames is a Personal Investment Advisor (PIA) at Merrill Lynch Wealth Management. In his role, he provides financial advisory services and guidance to clients within the Merrill line of business. Matthew holds a Bachelor's Degree from the California State University System. He brings his educational background and professional designation to support his advisory responsibilities at Merrill Lynch. No additional personal interests or community involvement details are provided.

Steve Kwong is a Senior Financial Advisor at Merrill Lynch Wealth Management with over twenty years of experience in investment and wealth management. He advises a select group of clients, focusing on family business owners, entrepreneurs, real estate developers, corporate executives, non-profits, and professionals such as lawyers and accountants. His expertise includes portfolio management, wealth transfer, trust and estate planning, managing concentrated stock positions, corporate retirement plans, and advisory services on business sales. Before joining Merrill Lynch in 2008, Steve served high net worth clients at Credit Suisse, U.S. Trust Company (now Bank of America Private Bank), and helped establish Neuberger Berman's Newport Beach office. He also spent seven years in commercial banking with Wells Fargo, providing him with unique insights into the needs of business owners and executives. Steve holds a Bachelor's degree and an MBA from the University of Southern California's Marshall School of Business and has professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is active in professional organizations such as the Association of Corporate Growth and Provisors. Steve lives in Costa Mesa, California with his wife, Jill, and they have four adult children pursuing careers in business, military service, and academia. His community involvement includes participation in the Fellowship of Christian Athletes and volunteering for the American Cancer Society. Steve is committed to building long-term relationships with clients and providing customized wealth management and proactive financial advice.

Melissa Buchholz is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she has served since 2014 following her internships at Merrill during college summers. She oversees relationship management, internal business operations, and the implementation of new client strategies. Melissa collaborates with her team to provide clients with personalized financial planning and investment management services. Melissa's expertise includes education planning, family wealth management strategies, legacy planning, managing new wealth, retirement planning, philanthropic planning, portfolio management, tax minimization, retirement income, and serving the financial needs of women and high-net-worth clients. She and her team leverage over 50 years of combined financial services experience to assist clients in developing flexible and meaningful financial strategies. A native of Orange County, Melissa earned her Bachelor's Degree in Sociology from the University of California, Santa Cruz. She holds the Series 7 and 66 FINRA registrations as well as the Personal Investment Advisor (PIA) designation. Melissa lives in Huntington Beach and has been involved in her community, including co-chairing the Emerging Leaders program through Orange County United Way.

Mikola Efimenko is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 66 designations and 18 years of industry experience. His work history includes roles at Bank of America, Wells Fargo Clearing, and Wells Fargo Bank. Outside of his advisory work, he is involved in a graphic design company, Dream Design AI, LLC, which is managed by his minor son. 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.

William Applegate is a Senior Financial Advisor at Merrill Lynch Wealth Management. He founded his practice at Merrill to serve clients with complex financial lives, including business owners approaching liquidity events, corporate executives with advanced compensation structures, and financially independent individuals managing significant wealth. From his Newport Beach, California office, he and his team serve clients across more than 20 states. Mr. Applegate specializes in areas such as executive compensation, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, portfolio management, tax minimization, retirement income, and socially responsible investing. His approach emphasizes personalized financial planning, strategic guidance through significant financial events, and coordination with other professional advisors to ensure comprehensive wealth management. He holds a Bachelor's Degree from the University of Southern California and is a Personal Investment Advisor (PIA). He is a member of the Kappa Sigma Fraternity. In the community, Mr. Applegate contributes as a blood platelet donor for Hoag Hospital.

Trajan Sung is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has held prior roles at Unionbanc Investment Services, MUFG Union Bank, and HSBC Bank USA N.A. since 2014. 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 teams.

Kim Chu is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. She has been with Merrill and Bank of America since 2015. Outside of her advisory role, Kim co-owns rental properties with family members. 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.

Chace Jackson is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Merrill, Bank of America, LPL Financial LLC, and ZB. NA / Zions. Outside of finance, he owns Reimagined Home Improvements Inc., a home-based 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.

Michael Rezai is a Financial Advisor at Merrill Lynch Wealth Management. He brings a strategy-led perspective to wealth management, shaped by experience advising private equity firms, multinational corporations, and executive leadership teams on capital allocation, acquisitions, and complex financial decisions. His expertise includes corporate executive services, executive compensation, family wealth management strategies, international wealth management, legacy planning, liquidity management, philanthropic planning, small business strategies, individual and corporate investment strategy, and tax minimization. Michael's work centers on the stewardship of wealth by aligning investments, banking, lending, liquidity, tax considerations, estate planning, and legacy objectives within a unified long-term framework. Michael holds a Bachelor of Business Administration and a Master of Business Administration from the University of Cincinnati. He has a background in private equity, M&A advisory, and strategic consulting. He is a Personal Investment Advisor (PIA). Outside of work, Michael enjoys hiking, music, reading, spending time with his family, tennis, and traveling.

Paul Williams is a financial advisor with Merrill in Newport Beach, CA, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has worked at Merrill since 2009 and has been associated with Bank of America since 2004. 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.

Hilary Hughes is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. Prior to joining Merrill in 2024, she worked at Morgan Stanley, UBS Financial Services, Massachusetts Mutual Life Insurance, and Capstone Partners Financial and Insurance Services. Outside of her advisory work, Hughes is the owner of Shut Your Pie Hole Bakery, a restaurant and bar located in Costa Mesa, California. Merrill, together 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Claudia Jenkins is a financial advisor at Merrill with 16 years of industry experience. She holds Series 63, Series 65, and Series 66 credentials and has worked at Merrill and Bank of America since 1992. Outside of her advisory role, she is a co-owner of a family rental property in Surprise, Arizona, where she occasionally manages communications and property improvements. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.