Cristobal Colon is a financial advisor with Merrill based in Oak Brook, Illinois. He holds a Series 66 designation and has six years of industry experience. Prior to his current role at Merrill and Bank of America, he worked in various capacities including positions at Joliet Junior College and Southern Illinois University. Outside of his advisory duties, Cristobal serves as a part-time firefighter medic with the Bourbonnais Fire District. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Janette Acton is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has dedicated her entire career since joining in 1995. She specializes in financial and retirement guidance as well as developing corporate education services. Janette provides financial and wealth management advice to high net worth individuals, families, and business owners, assisting them with education planning, family wealth management strategies, legacy planning, philanthropic planning, socially responsible investing, and tax minimization. With 30 years of experience, Janette holds the Certified Investment Management Analyst® (CIMA®) designation, the Certified Plan Fiduciary Advisor® (CPFA®) designation, as well as certifications as a Personal Investment Advisor and Retirement Accredited Financial Advisor. She graduated from Eastern Illinois University and maintains active involvement in professional organizations including the Investments and Wealth Institute and the National Association of Plan Advisors. Outside of her professional work, Janette serves on the board of the Lemont Park District Foundation and participates in community organizations such as the Children's Service Board and the Lemont Education Foundation. She enjoys spending her free time biking, hiking, cooking, practicing yoga, and sharing time with her family.

Todd Schroeder is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, Todd collaborates with a team of financial advisors to develop and implement comprehensive financial strategies tailored to the needs of active and retired corporate executives, physicians, business owners, and other individuals and families primarily in the Chicagoland area and nationwide. He focuses on areas including retirement income, personal retirement planning, portfolio management, tax minimization, college education planning, and corporate executive services. Since beginning his career in 1998, Todd has acquired extensive knowledge in retirement and corporate benefit plans and employs sophisticated income-generation strategies to assist clients in achieving their retirement goals. As a founding member of his advisory team, he contributes to the research and development of overall financial strategies, emphasizing a collaborative approach that integrates diverse expertise and careful consideration of each client’s financial position and objectives. Todd holds a Bachelor's degree from Arizona State University and maintains several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Residing in Chicago with his wife, Teresa, Todd’s personal interests include golfing, scuba diving, skiing, swimming, traveling, and spending time with his family.

Tyler Wedell is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since 2010, he has been advising clients on wealth management, with a focus on helping families prepare for retirement. Tyler approaches his work with a commitment to serving clients and assisting them in protecting and growing their wealth through customized financial strategies. He holds a Bachelor of Science degree in Finance from Northern Illinois University and holds professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Tyler's expertise spans retirement planning, financial strategies, long-term care, legacy planning, estate concerns, philanthropy, cash flow budgeting, debt management, and life insurance. Outside of his professional role, Tyler is involved in his community through Park Community Church. His personal interests include hiking, camping, traveling, and playing golf.

Raimonda Vaiciulyte is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of the Guttmann & Longo Group. She began her career with Merrill in 2015 as an intern and now collaborates with colleagues to deliver comprehensive financial services that prioritize client needs and goals. Raimonda provides access to Merrill's investment resources and Bank of America's banking solutions to support various aspects of her clients' financial lives. Raimonda focuses on areas including college education planning, divorce transition planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, and retirement income strategies. She holds FINRA Series 7 and 66 registrations as well as the Personal Investment Advisor (PIA) designation. Raimonda earned her Bachelor's Degree in Finance and Economics from Loyola University Chicago. She is fluent in English and Lithuanian and resides in Willowbrook, Illinois. In addition to her professional work, Raimonda enjoys basketball, boating, bowling, camping, cooking, gardening, spending time with family, and practicing yoga.

William Stevenson III is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 1986 and Bank of America since 2011. 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 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.

Sunil Suri is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been a team member since 1995. With over 30 years of experience in financial services, Sunil works with clients to develop comprehensive wealth management strategies tailored to their individual needs. His client base includes affluent families, physicians, corporate executives, and successful business owners, and he focuses on areas such as family wealth management, retirement planning, legacy planning, investment consulting, and tax minimization. Sunil holds a mechanical engineering degree from Punjab Engineering College in India and an MBA from Loyola University Chicago. He has earned several professional designations, including Certified Plan Fiduciary Advisor® (CPFA), Chartered Retirement Planning Counselor™ (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has also completed programs at The Wharton School and the London School of Economics. Residing in Burr Ridge, Illinois, Sunil lives with his wife, Manisha, and daughter, Arianna. Outside of his professional work, he engages in activities such as reading, table tennis, yoga, and traveling. He is actively involved in the South Asian community and participates in initiatives through the Hindu Temple of Greater Chicago.

Michael Eshoo is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he serves as a Senior Vice President and Senior Portfolio Manager. He has been working in the Financial Services industry since 1989 and joined Merrill Lynch in 1999. Michael's role focuses on providing personalized wealth management strategies to high net worth individuals, as well as recently expanding his work to non-profit organizations and philanthropic giving. He draws upon Merrill's investment insights and Bank of America's banking and lending solutions to create flexible strategies tailored to clients' financial goals. Michael's expertise is supported by his educational background and professional designations. He holds a Bachelor of Science degree with a specialization in Finance from Marquette University. He has attained the Certified Portfolio Manager (CPM®) designation through the Academy of Certified Portfolio Managers at Columbia University and holds other designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His analytical background and credentials assist him in his asset management responsibilities. In addition to his professional work, Michael is active in his community and participates in fundraising for various non-profits, notably breast cancer organizations. He has taken part in events such as the 60-mile Susan G. Komen walk for breast cancer. His personal interests include basketball, cooking, and ice hockey.

Joseph Herr is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2017, bringing a focus on delivering customized service support to clients and providing internal services to the advisor team. Joseph and his team work to help individuals and families achieve their retirement goals by utilizing resources from Merrill Lynch and its affiliates. His areas of expertise include divorce transition planning, education planning, legacy planning, personal retirement planning, portfolio management services, and retirement income. Joseph graduated from the University of Arizona in 2017 and holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. His team, with over 35 years of combined experience, has supported high net worth clients throughout the country. Born and raised in Hinsdale, Illinois, Joseph currently lives in the Old Town neighborhood of Chicago. In his free time, he enjoys golfing, traveling, spending time with family and friends, as well as baseball, fishing, football, music, and reading.

Richard Cohen is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on helping clients pursue their long-term financial goals through personalized wealth management strategies tailored to their individual needs and the changing market conditions. He provides access to the investment insights of Merrill as well as banking and lending solutions through Bank of America. Richard holds a Bachelor's Degree from the University of Illinois System and has earned the Personal Investment Advisor (PIA) designation. He follows the Merrill tradition of community participation and spends time volunteering with local organizations.

Isabel Acton is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. Prior to joining Merrill and Bank of America, she held roles in marketing and athletics administration, including positions at Razorfish and the University of Illinois Division of Intercollegiate Athletics. 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 and profit-sharing plans, corporations, and charitable organizations.

Matthew Pierce is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been advising clients for 25 years. In his role, he helps clients develop disciplined, planning-based strategies to pursue their financial goals, including college education planning, family wealth management, retirement income, tax minimization, and socially responsible investing. Matthew holds the Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) credential. He earned both his Bachelor's degree with a double major in Economics and Finance and his MBA with a concentration in Finance from St. Ambrose University. His extensive experience includes working in banking, insurance, and institutional money management before joining Merrill Lynch. Based in the Chicago area, Matthew also engages with his community by providing seminars on retirement strategies. Outside of work, he enjoys adventure sports, golfing, hiking, traveling, and spending time with his family.

David Sterner is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management with over 30 years of experience. He began his career at Merrill in 1990 after serving as a Lieutenant Commander Naval Flight Officer and navigator on the U.S. Navy's P-3 Orion aircraft. David applies principles from his military navigation experience to wealth management, emphasizing clear financial strategies and guiding clients through the complexities of investment landscapes to help them reach their financial goals. David holds a Bachelor of Science degree in Economics from the University of Minnesota and has earned the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. His client focus includes services for endowments, foundations, non-profits, socially responsible and values-based investing, and tax minimization. Outside of his professional role, David resides in St. Charles, Illinois with his wife, Mary. He is involved in community organizations such as Audubon Great Lakes, where he serves as a board member, and Wine to Water. David enjoys outdoor activities including biking, boating, fishing, hiking, hunting, reading, and traveling, and values spending time with his family.

Jack Whitley is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work history includes roles at William V. Macgill & Co. and Chipotle Mexican Grill. Merrill, together 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Marta Begley is a financial advisor at Merrill with 38 years of industry experience. She holds the Series 66 designation and has been with Merrill and its predecessor firms since 1983. Begley has spent 17 years at Merrill Lynch, Pierce, Fenner & Smith Incorporated. 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 managed by internal CIO teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aaron Davis is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial situations and to develop strategies tailored to their short-, mid-, and long-term goals. He offers a comprehensive approach that includes investing, retirement planning, and saving for unexpected events, and he provides access to specialists from Bank of America for additional banking, credit, home financing, and small business solutions. Aaron holds a Bachelor's Degree from the University of Wisconsin System and has earned several professional designations, including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His affiliations include involvement with professional organizations such as the Friends Forever Humane Society and the Lions Club. He actively participates in the Lions Club as part of his community involvement. Outside of his professional responsibilities, Aaron enjoys baseball, cooking, football, golfing, woodworking, and spending time with his family.

Kristin Burke is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her career as an Economic Reporter at WIFR-TV in Rockford, Illinois, where she worked for four years before transitioning to financial advising. Kristin has now been a Financial Advisor for over ten years, utilizing her communication and educational skills developed during her reporting career. Kristin's approach to financial advising centers on gaining a deep understanding of her clients' personal goals before making any investment decisions. She incorporates a disciplined process that accounts for client objectives, risk tolerance, and investment time frames to enhance the likelihood of meeting their financial goals. Kristin emphasizes ongoing communication, education, and transparency to help clients remain informed and avoid emotional decision-making. She holds a Bachelor of Arts degree from Loyola University Chicago and has earned the Personal Investment Advisor (PIA) designation. Outside of work, Kristin enjoys exercise, sports, and spending time with family and friends. She has served as a mentor with the Boys and Girls Clubs of America and supports Easter Seals. Kristin resides in the western suburbs of Chicago.

Kristina Huda Dimen is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Merrill since 2009 and is also associated with Bank of America, N.A. since 2007. 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.

Stefanie Haugen is a Senior Financial Advisor with Merrill Lynch Wealth Management and the Theis Noga Group. She began her career at Merrill in 2015 and has been with the Theis Noga Group since 2016. Stefanie supports clients in feeling secure and well-prepared for their financial futures, focusing on personalized guidance that helps individuals and families make informed decisions and pursue their goals with confidence. Throughout her career, Stefanie and her team emphasize a planning-based approach that provides structure and long-term goal setting, particularly during emotionally charged situations. She assists clients in retirement preparation and navigation by integrating investment management, tax considerations, and estate planning into comprehensive strategies. Stefanie collaborates with the firm's wealth management banking and trust specialists, as well as CPAs and attorneys, to implement thoughtful, tax-efficient estate and wealth-transfer plans. Stefanie holds a Bachelor's degree from Concordia University in Chicago and the Chartered Retirement Planning Counselor (CRPC) designation, reflecting her expertise in retirement income planning and long-term financial preparedness. She is also involved with Bridge Communities. Stefanie resides in Saint Charles, Illinois with her husband, Mike, their son Oliver, and their two dogs, Benny and Zoe.

Sebastian Arpino is a Financial Advisor with Merrill Lynch Wealth Management. He has nearly 20 years of experience in the financial industry, guiding clients through comprehensive wealth management processes grounded in personalized, goals-based financial strategies. Sebastian works as part of The Speers Group, collaborating with a dedicated team to deliver customized strategies that align investment risk with clients' unique goals. His expertise encompasses areas such as cash flow management, lending solutions, retirement income planning, investment strategy development, wealth transfer and legacy planning, and education funding strategies. Sebastian focuses on advising entrepreneurs, privately held entities, financial industry and real estate professionals, and law firm partners. His approach includes strategies ranging from investment and risk management, tax minimization, credit and lending, income and liquidity management, advanced estate planning services, wealth transfer, and philanthropy. Sebastian holds professional designations including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his education from the University of Illinois at Chicago. In addition to his professional work, Sebastian is involved with organizations such as the Haymarket Center, Habitat for Humanity, and Marklund. He speaks English and Italian, and his personal interests include cooking, football, golfing, and spending time with his family.