Nisheet Bonde is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He previously worked at Deutsche Bank Securities Inc for 13 years and has been involved with Englewood Hospitality LLC since 2018. Merrill 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.

Franco Dimaio is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with high-net-worth individuals and families to provide wealth management strategies, retirement planning, portfolio management, and investment consulting. His role involves helping clients navigate the complexities associated with growing wealth, including tax exposure, risk management, and long-term financial stability. Franco brings a multidisciplinary approach to his work as a CERTIFIED FINANCIAL PLANNER® professional, Certified Investment Management Analyst, licensed Attorney, and Senior Portfolio Manager. He evaluates financial decisions through financial, legal, tax, and risk perspectives to identify potential consequences that clients might overlook. His expertise includes designing and actively managing personalized investment portfolios focused on disciplined positioning and adaptability to changing markets, alongside coordinating short-term needs with long-term goals. He holds a Bachelor's Degree from Rutgers University and a Juris Doctorate Degree from Rutgers Law School. Franco is involved in his community through the Northern Counties Soccer Association. Outside of his professional commitments, he engages in activities such as cooking, reading, running, spending time with his family, tennis, and yoga.

George Carbunescu is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at both Bank of America, N.A. and Merrill since 2011. Merrill 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 Reynolds is a financial advisor with Merrill based in Paramus, NJ, holding Series 63 and Series 66 designations and possessing 18 years of industry experience. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wachovia Bank, N.A. He also serves as an executor for an estate. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs model-based and discretionary investment strategies developed by internal and third-party managers and offers various portfolio implementation options with a focus on asset allocation and tax-aware strategies.

Ethan Bordman is a Team Financial Advisor with The Covitz McCauley Group at Merrill Lynch Wealth Management. He specializes in serving high-net-worth individuals and families, particularly professionals in the entertainment and sports industries, providing tailored financial and retirement planning strategies. His approach emphasizes connecting clients' unique ambitions with personalized wealth management plans that reflect their individual perspectives and priorities. Before joining Merrill Lynch, Ethan spent 16 years as a media, sports, and entertainment attorney in private practice and as an Assistant Executive Director of SAG/AFTRA. He holds a Juris Doctor from the University of Detroit School of Law, an MBA from Wayne State University, a Master of Laws in Entertainment Law from the University of Westminster in London, and a Master of Laws in International Sports Law from Anglia Ruskin University in Cambridge. He maintains several professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Ethan is active in professional organizations related to entertainment, arts, and sports law, including serving as Chairperson of the New York State Bar Entertainment, Arts and Sports Law section from 2022 to 2024. He holds FINRA Series 7, 31, and 66 registrations. Outside of his professional work, Ethan enjoys spending time with his family, swimming, playing tennis, and watching movies.

Gaetano Naccarella is a Senior Financial Advisor at Merrill Lynch Wealth Management, providing advice and guidance to clients with varying levels of investment experience. He applies institutional investment strategies to individual client portfolios through Merrill's Investment Advisory Program. Gaetano’s responsibilities include portfolio construction, presenting financial strategies to both existing and new clients, and conducting annuity and insurance analyses. With 28 years in the financial services industry, Gaetano has experience spanning institutional and retail investing. Before joining Merrill Lynch in 2012, he worked as a Floor Trader for Alliance Bernstein at the New York Stock Exchange and later as a Private Banker at Wells Fargo. He holds FINRA Series 7, 63, and 65 registrations, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Gaetano earned a Bachelor's degree from Rutgers University. Outside of his professional career, Gaetano enjoys baseball, cooking, football, golfing, ice hockey, music, table tennis, watching movies, writing, and spending time with his family.

Christian Desfosses is a Wealth Management Advisor at Merrill Lynch Wealth Management. He partners with clients to develop personalized financial plans aimed at achieving their family’s long-term goals. Christian focuses on areas such as college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Christian holds a Master’s Degree from Fairleigh Dickinson University and a Bachelor’s Degree from Fairfield University. 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). With his team, he brings nearly a century of combined experience to guide clients through the complexities and challenges of wealth management. Outside of his professional role, Christian enjoys antiquing, golfing, music, spending time with his family, and watching movies. He emphasizes simplicity and transparency in his client relationships and values a collaborative approach, describing his group as a family that works with other families.

Raymond Wong is a financial advisor at Merrill with 31 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Reichert is a Senior Financial Advisor with over 47 years of experience in the financial industry. He is a member of the RLA group at Merrill Lynch Wealth Management, where he applies his extensive knowledge in portfolio management to assist clients with making life-changing and life-affecting financial decisions. Throughout his career, Thomas has held roles as a Financial Advisor, Managing Director, and Branch Manager at a major brokerage firm. Thomas's expertise encompasses a range of client focus areas including family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, and retirement income. He holds the Professional Investment Advisor (PIA) designation and earned a bachelor's degree from Montclair State University. Outside of his professional work, Thomas is engaged in his community as a church volunteer. He enjoys activities such as swimming, biking, boating, football, music, reading, skiing, traveling, and spending time with his family. Thomas and his wife, Patti, have been married for over 44 years and have three grown daughters.

Marshall Mc Lean is a financial advisor with Merrill in Paramus, NJ, holding a Series 66 designation and 11 years of industry experience. He has worked at Bank of America and Merrill since 2015. Outside of his financial career, Mc Lean is a minority owner of a casual seafood restaurant group and serves as a board member for a private winter club in New Jersey. He is also involved with the Western Golf Association’s Evans Scholars Foundation as a local director. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Joann Valle is a financial advisor at Merrill with 27 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 1987 and has been with Bank of America, N.A. since 2015. 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 and profit-sharing plans, corporations, and charitable organizations.

Ryan Coyle is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he works with high net worth individuals, families, and small businesses to prioritize and pursue their financial goals. He focuses on creating personalized wealth management strategies based on a comprehensive understanding of his clients' financial situations. Ryan specializes in areas including college education planning, personal retirement planning, and sports and entertainment. He develops investment strategies tailored to the needs and priorities of his clients with the aim of achieving financial stability. He holds a Bachelor's Degree from Fairfield University and is a Personal Investment Advisor (PIA). Outside of his professional work, Ryan enjoys cooking, football, golfing, ice hockey, and spending time with his family.

Timothy Blair is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to develop personalized investment strategies tailored to their unique financial goals. His areas of expertise include executive compensation, retirement planning, philanthropic planning, portfolio management, small business strategies, and individual and corporate investment strategies. Timothy holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned his high school diploma/GED from Ramapo College. Outside of his professional responsibilities, Timothy is involved with the Food Bank of New Jersey and participates in the Montclair Norsemen Rugby Club. His personal interests include adventure sports, baseball, football, hiking, ice hockey, music, scuba diving, skydiving, swimming, and volleyball.

Ralph Diaz is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry in the summer of 1991 and has since accumulated over 25 years of experience. Ralph offers expertise in areas such as college education planning, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor of Arts degree in Economics from Rutgers University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Ralph focuses on assisting clients with defining their financial goals and designing investment strategies that align with their risk profiles and objectives. Outside of his professional pursuits, Ralph is involved with the Emmanuel Cancer Foundation, serving on its Board of Directors. He enjoys photography, skiing, traveling, writing, and spending time with his family, which includes his wife, Karen, and their two children.

Keith Dolin is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2009. His prior experience includes roles at Bank of America N.A., Ust Financial Services Corp., and Us Trust Company of New York. 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, corporations, and other entities.

Mary Ann Abida is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in developing personalized financial strategies that evaluate the overall financial health of families, including wealth management planning, asset preservation, retirement income stream creation, and tax liability alleviation. Mary Ann focuses on guiding clients through financial changes and uncertainties to help achieve their financial goals for themselves and future generations. She holds a Master's Degree from the University of Phoenix, a Bachelor's Degree from Montclair State University, and a Certificate in Financial Planning from NYU School of Professional Studies. Mary Ann has earned several professional designations including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is multilingual, speaking English, Circassian, and Arabic. In addition to her professional work, Mary Ann is involved with community organizations such as the Circassian Benevolent Association and delivers financial empowerment workshops to various groups. She supports organizations including Doctors Without Borders, Humanity for Relief and Development, International Rescue Committee, and World Central Kitchen. Her personal interests include cooking, football, golfing, music, reading, soccer, spending time with family, swimming, traveling, and yoga.

Jennifer Jervis Babish is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 20 years of experience in the financial industry and joined Merrill Lynch in 2012. Prior to that, she served as a Senior Financial Center Manager for Wells Fargo. Jennifer holds FINRA Series 7 and 66 registrations and has earned professional designations including Chartered Special Needs Consultant (ChSNC) and Personal Investment Advisor (PIA). Her expertise includes personal retirement planning, portfolio management services, special needs planning strategies, women and wealth, and retirement income. Before entering the financial industry, Jennifer was a teacher, which informs her approach to financial education. She focuses on helping women investors and their families by providing financial education and promoting healthy financial habits. Jennifer holds a Bachelor's degree from Saint Thomas Aquinas College. In her personal life, she enjoys cooking, music, pickleball, reading, sewing, spending time with her family, tennis, watching movies, and practicing yoga.

Helen Alberto is a Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to identify their short-, mid-, and long-term financial goals and develops portfolio strategies designed to help achieve them. Her approach includes providing ongoing advice and adapting strategies as clients' financial situations evolve, covering areas such as investing, retirement planning, and saving for unexpected events. Helen also facilitates access to Bank of America specialists for banking, credit, lending, and small business solutions. Helen holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Montclair State University. She is proficient in both Spanish and English and is involved in several professional organizations, including the Hudson County Chamber of Commerce, the New Jersey Association of Women Business Owners, and the Statewide Hispanic Chamber of Commerce. Additionally, she contributes to the community through her involvement with Jersey City Medical Center. Outside of her professional work, Helen enjoys activities such as cooking, dancing, playing pickleball and tennis, traveling, and practicing yoga. She values building long-term relationships with individuals and families to support their holistic wealth management across generations.

Joshua Underwood is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 66 designation and has worked previously at J.P. Morgan Securities, JPMorgan Chase Bank, Deutsche Bank Securities Inc., and Citigroup Global Markets. 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.

Christopher Reasor is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2009 and Bank of America since 2006. Merrill, together 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.