Nishant Sharma is a Financial Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial goals and develop strategies to pursue short-, mid-, and long-term objectives. He provides guidance on a range of financial matters including investing, retirement planning, and saving for unforeseen expenses. Additionally, Mr. Sharma offers access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Mr. Sharma holds the Chartered Retirement Planning Counselor (CRPC) designation. He earned both a Bachelor's Degree and a Master of Business Administration (MBA) from Guru Nanak Dev University. His approach involves partnering with clients to identify what matters to them and their families in order to create tailored financial strategies.

Eric Aiello is a Wealth Management Advisor and Senior Vice President with the RLA Group at Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Eric focuses on providing comprehensive financial advice with an emphasis on investment and portfolio management for high net worth individuals, foundations, and corporate retirement plans. With over 22 years of experience, Eric collaborates closely with clients to develop investment strategies tailored to their financial goals, including family wealth management, legacy planning, personal retirement planning, and retirement income. As a member of the RLA Group, he is committed to building long-term relationships based on trust, helping clients prepare for significant life events such as retirement and generational wealth transfer. Eric earned a Bachelor of Arts degree from Gettysburg College and a Master of Business Administration from Iona College. Outside of his professional role, he enjoys spending time with his wife Daniela and their children, Marco and Kara.

Joseph Murdaco is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. His work history includes positions at Bank of America, Merrill, TD Bank, American Tire and Auto Care, and Seton Hall 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Gregory Goodman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 21 years of experience in the financial services industry, focusing on delivering comprehensive wealth management strategies tailored to individual client needs. Gregory provides access to investment insights and banking services to address various aspects of clients' financial lives, emphasizing personalized plans centered around clients' values and goals. Gregory holds several professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Investment Management Analyst® (CIMA), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). He is a member of the Investments & Wealth Institute™ and a graduate of Carnegie Mellon University. His expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and retirement income. Beyond his professional work, Gregory is involved in coaching recreational youth sports. His personal interests include baseball, football, golfing, music, reading, skiing, spending time with family, and traveling. He resides in Franklin Lakes, NJ with his wife and children.

Steven Sedlak is a Series 66-registered advisor with 27 years of industry experience. He is currently with Merrill, having joined in 2022, and previously worked at Wells Fargo Advisors LLC and Wachovia Bank, N.A. There are no additional outside activities noted. 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 managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jean Chung is a Financial Advisor with Merrill Lynch Wealth Management. In this role, Jean partners with clients to develop strategies that address their short-, mid-, and long-term financial goals. Jean serves as a resource for general investing, retirement planning, and saving for unexpected needs, as well as facilitating access to Bank of America specialists for banking, credit, home financing, and small business solutions. Jean’s client focus areas include college education planning, corporate executive services, divorce transition planning, executive compensation, and personal retirement planning. Holding the Personal Investment Advisor (PIA) designation, Jean completed an Accredited Certificate Program from DeVry University. Outside of work, Jean is involved with the Rotary Club of Tenafly and participates in community activities such as Feed the Streets, JA BizTown, and Passaic County Habitat for Humanity. Personal interests include basketball, football, golfing, hiking, pickleball, and tennis.

Ying Zhu is a Wealth Management Advisor with Merrill Lynch Wealth Management in Paramus, New Jersey. She has over 30 years of experience in accounting, financial analysis, corporate budgets, and financial services. She joined Merrill in 2007 and focuses on providing personalized wealth management strategies to high-net-worth individuals, families, small business owners, non-profit organizations, and international corporations. Ying specializes in corporate executive services, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, small business strategies, and tax minimization. Ying holds a Master's degree in Finance from Rutgers, The State University of New Jersey, and a Bachelor's degree in Computer Science from East China Institution of Technology. She is a CERTIFIED FINANCIAL PLANNER® certificant and holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is fluent in English and Chinese and emphasizes a process-oriented, personalized approach to building long-term trust relationships with her clients. Residing in Paramus, New Jersey, Ying resides with her husband and son. Outside of her professional duties, she enjoys dancing, music, reading, swimming, table tennis, traveling, volleyball, and watching movies. Ying's philosophy is to collaborate one-on-one with clients to develop personalized financial strategies designed to pursue their long-term goals.

Seth Hillman is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has over 20 years of experience serving clients in various aspects of wealth management, including college education planning, corporate executive services, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Seth holds the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning Institutes Corp and the Personal Investment Advisor (PIA) designation. He earned his bachelor's degree from the University at Buffalo. He resides in Glen Rock, New Jersey, with his wife Rayna and their two children.

Thomas Tansey is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His prior work includes roles at MBSC Securities Corporation/BNY Mellon, Merrill, and Wells Fargo Clearing. 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.

Jacob Heitzner is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and previously worked at Crestron Electronics and attended the University of Delaware. 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 plans, corporations, and charitable organizations.

Jeffrey Mandell is a financial advisor at Merrill with 25 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2009. He also has a concurrent affiliation with Bank of America, N.A. since 2006. 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.

Thomas Divito Jr. is a financial advisor with Merrill in Paramus, NJ, holding a Series 66 designation and bringing 10 years of industry experience. He has been associated with Merrill since 2007 and Bank of America, N.A. since 2011. 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, pension plans, corporations, and charitable organizations. The firm integrates strategic asset allocation and tax-aware strategies, supported by Bank of America’s trading and custody infrastructure.

Matthew Brogan is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 designations and 26 years of industry experience. He has been with Merrill and its parent Bank of America since 2013. Outside of his advisory role, he holds a power of attorney position for an entity named F A B based in Beach Haven, New Jersey. 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 with model-based and discretionary investment strategies.

Paul Randazzo is a Financial Advisor at Merrill Lynch Wealth Management specializing in serving service-based business owners. He focuses on aligning business and personal finances into coordinated plans aimed at simplifying complex financial situations, protecting assets, and creating strategies for business continuity and legacy. Paul works with clients to develop tailored solutions that include continuity and succession planning, wealth optimization, asset protection, and legacy planning. His approach aims to reduce reliance on the business owner, enabling clients to achieve more time and freedom while providing a clear roadmap for long-term confidence. He holds a Bachelor's Degree from Rowan University and is a Personal Investment Advisor (PIA). Outside of his professional work, Paul enjoys activities such as boxing, fishing, football, pickleball, traveling, and watching movies.

Gregory Chimenti is a financial advisor at Merrill with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill and Bank of America since 2009. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Sullivan is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked in various capacities for over 30 years. He has served as a senior NASDAQ position trader, Director in equity sales trading, and a general partner and equity portfolio manager at an investment fund. For the past twelve years, he has focused on wealth management advisory roles, including working with individuals, families, and non-profit organizations to develop long-term financial strategies. Robert's areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income planning, and socially responsible investing. He holds a Bachelor of Arts degree in Economics from Williams College and a Master of Business Administration from the University of North Carolina. Additionally, he earned his CERTIFIED FINANCIAL PLANNER® (CFP) certification in 2013 and holds other professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A long-time resident of Ridgewood, New Jersey, Robert and his wife have raised four children. He is actively involved in his community through coaching basketball and baseball and supports local athletics through volunteer work. In his spare time, he enjoys golfing.

Kieran Finnegan is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing financial advice that is personal, understandable, and tailored to each client's unique goals and circumstances. By simplifying complex financial decisions and developing actionable strategies, Kieran aims to help clients gain clarity, build confidence, and make informed choices about their financial future. He is passionate about assisting clients in making smarter financial decisions and building lasting relationships through personalized guidance. Kieran helps clients navigate various financial opportunities and challenges with clarity and purpose. Kieran holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He completed an Accredited Certificate Program at the University of Connecticut and earned a Bachelor's Degree from the State University of New York.

William Banulski is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has worked at 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. 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.

Michael Aprigliano is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. He has previously worked at JP Morgan Securities, JP Morgan Chase Bank, Wells Fargo Clearing, Citigroup Global Markets, and A.G. Edwards & Sons. 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.

Michael Carbone is a Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2024. Prior to this role, he gained over eight years of experience in the financial technology and real estate sectors, which equipped him with a comprehensive understanding of customer needs and modern investment opportunities. His expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, special needs planning, and retirement income. Michael approaches wealth management with a thoughtful and forward-looking perspective, emphasizing personalized guidance. He works closely with individuals and families to understand their unique situations and priorities, such as retirement planning, business opportunities, and long-term wealth building. He develops customized strategies utilizing the resources of Merrill and Bank of America, maintaining active engagement to provide ongoing guidance and adjustments as clients' circumstances evolve. Born and raised in the tri-state area, Michael holds a bachelor's degree from the University of Scranton and has earned the Personal Investment Advisor (PIA) designation. He resides in Essex County with his wife and enjoys engaging in his community, improving his golf game, and spending time with his family.