Todd Dates is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in financial services in 1998 and has extensive experience in wealth management. Over the years, Todd has worked with firms including Merrill, Smith Barney, and Morgan Stanley, returning to Merrill Lynch in 2016. He focuses on family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, tax minimization, and retirement income. Todd holds a bachelor's degree from Montclair State University and is a Personal Investment Advisor (PIA). Throughout his career, he has emphasized building durable client relationships based on exemplary service, accuracy, timely responsiveness, and proactive communication. He attributes much of his success to attentiveness and accessibility, serving multiple generations of clients. Residing in Wayne with his wife and two sons, Todd enjoys running, reading, and spending time with his family. Committed to community involvement, he participates in volunteer activities reflecting Merrill's tradition of engagement in the communities served.

Tyler Ramirez is a Series 66-licensed financial advisor with Merrill in Paramus, NJ, bringing five years of industry experience. His career includes multiple roles at Merrill, Lynch, Pierce, Fenner & Smith Incorporated and Bank of America. Merrill, along with affiliate Managed Account Advisors LLC, offers managed account services to fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Scibetta is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been working in financial services since 1997, dedicating his entire career to Bank of America and its predecessor firms. Joseph focuses on serving dentists, entrepreneurs, and multiple generations of families, assisting them in simplifying and managing various aspects of their financial lives. With over two decades of experience, Joseph specializes in areas such as family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He develops customized investment portfolios and works closely with clients to create personalized financial strategies tailored to their long-term goals. Joseph holds a Personal Investment Advisor (PIA) designation and earned his bachelor's degree in economics from New York University. Outside of his professional role, Joseph enjoys cooking, gardening, golfing, and spending time with his family. He is also engaged in community volunteering, reflecting the Merrill tradition of participating in the communities they serve.

Gaetano Germinario is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in concentrated stock and stock-option strategies, providing disciplined, goals-based financial guidance aimed at helping clients navigate complex equity positions with confidence. His approach focuses on connecting all aspects of a client's financial life to prioritize and pursue meaningful goals. With over ten years of experience in the financial field, Gaetano has built a foundation centered on clients' financial wellness. His expertise encompasses areas such as college education planning, executive compensation, retirement income, portfolio management, and socially responsible investing. He holds multiple professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Born and raised in Old Tappan, New Jersey, Gaetano attended Don Bosco Prep High School and earned his bachelor's degree from Fordham University in New York. He resides in River Vale, New Jersey, with his wife and two daughters. Outside of his professional work, he enjoys golfing, reading, traveling, and spending time with his family.

Isaac Frankel is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leverages more than 25 years of investment management experience, including roles as a fixed income portfolio manager for mutual funds, pension plans, endowments, insurance companies, and high-net-worth individuals. Since joining Merrill in 2011, Isaac has applied the Goals-Based Wealth Management process to create personalized financial plans tailored to each client's unique needs and goals. He collaborates closely with internal partners at Bank of America and Merrill to implement wealth-building and income-generating strategies. Isaac holds a bachelor's degree in engineering and computer science from Princeton University and an MBA in finance from the Wharton School at the University of Pennsylvania. He is a Certified Financial Planner (CFP) certificant and a Personal Investment Advisor (PIA). His professional affiliations include membership in the Estate Planning Council of Bergen County. Additionally, he has served as an adjunct instructor of Economics and Finance at Fairleigh Dickinson University and volunteered as an income tax preparer with The Food Bank of New York City's VITA program. Outside of his professional work, Isaac resides in Fort Lee, New Jersey, with family members living in Boston and New York City. His personal interests include music, reading, skiing, tennis, spending time with family, and watching movies.

Ernesto Marques is a financial advisor with Merrill in Paramus, NJ, holding a Series 66 credential and 15 years of industry experience. He has worked at Merrill since 2010 and Bank of America, N.A. since 2011. Outside of advising, he is the owner of ARA Marketplace LLC, an e-commerce retail 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Anthony Browne is a financial advisor with Merrill in Paramus, NJ, holding Series 63 and Series 65 licenses and possessing 45 years of industry experience. He has worked at Merrill since 1998 and Bank of America since 2009. Outside of advising, he is an investor and general partner in a restaurant business. Merrill, together with its affiliate Managed Account Advisors LLC, 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 with model-based and discretionary investment strategies.

Robert Marrone is a financial advisor with Merrill, holding a Series 66 designation and over 23 years of industry experience. His career includes roles at Bank of America, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wachovia Bank. Outside his advisory work, he serves as Vice President of the Marlboro Dance Team Booster Club, assisting with fundraising and parent communications. 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 both model-based and discretionary investment strategies for a wide range of clients including individuals, pension plans, corporations, and charitable organizations.

Christopher Mazzatta is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and is based in Paramus, NJ. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gina Carosella is a Senior Financial Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 1987 with Merrill Lynch and has built over three decades of experience in wealth management and banking. Gina works closely with clients including physicians, business executives, entrepreneurs, and other affluent individuals and families, developing personalized wealth management plans. Her expertise includes fixed income, banking, insurance, credit, and lending services. Gina attended California State Polytechnic College in Pomona, California, and completed the training program at the American Institute of Banking. She holds the Personal Investment Advisor (PIA) designation. A resident of Highland Lakes, New Jersey, Gina enjoys traveling and spending time with her family, friends, clients, and three dogs.

Anthony Napolitano is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping families and business owners by understanding their lifestyles and aspirations to simplify complex financial matters and provide actionable solutions. His practice integrates financial planning with disciplined investment management, supporting clients through wealth management, retirement planning, tax mitigation, and multi-generational wealth transfer. Anthony has a focus on assisting privately held business owners with customized retirement plans, collaborating with actuarial partners to optimize plan design. He also offers treasury cash management services to help businesses manage liquidity efficiently. His client expertise includes divorce transition planning, employee benefits planning, executive compensation, and defined benefit and contribution plans. He began his career in wealth management at Morgan Stanley and holds a Bachelor's Degree from Montclair State University. Anthony has earned the Chartered Retirement Plans Specialist (CRPS) and Personal Investment Advisor (PIA) designations. Outside of work, he is involved in lacrosse through Demarest Junior Norseman Lacrosse and volunteers with the Knights of Columbus.

John Marston is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. His prior work includes roles at USIS Inc and JCM Media Solutions. 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.

John Cooney is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies tailored to clients' individual financial goals and changing market conditions. His expertise encompasses family wealth management, legacy planning, institutional consulting, managing new wealth, portfolio management services, and retirement income planning. John leverages the investment insights of Merrill and the banking services of Bank of America to address various aspects of his clients' financial lives. John holds a Bachelor's Degree from Dominican College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of his professional activities, John enjoys baseball, golfing, and spending time with his family.

Gil Marcovici is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2003, bringing extensive experience from his prior work at Smith Barney, where he served middle market institutional clients. Gil specializes in creating customized wealth management strategies that support clients through various financial phases, including retirement income planning, estate planning, portfolio management, and tax minimization. He holds the Personal Investment Advisor (PIA) designation as well as the CRPC credential. Gil earned his bachelor's degree from the University of Hartford. Fluent in English and Romanian, he focuses on understanding clients' life priorities to develop personalized financial plans tailored to their goals and aspirations. Outside of his professional role, Gil spends time biking, golfing, playing pickleball, skiing, and with his family. He also volunteers in the community, reflecting his commitment to service beyond advising.

Laurie Torres Tang is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has worked at Merrill since 2022 and has been with Bank of America since 2013. 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 supported by internal and third-party managers for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jessie Slavin is a financial advisor at Merrill with 14 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2011 and Bank of America, N.A. since 2018. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Ryan O'neil is a Wealth Management Advisor with Merrill Lynch Wealth Management and The Whaley Cornwell Group, a position he has held since 2012. He provides wealth management services to a select group of clients, including successful individuals, multi-generational families, corporate executives, small business owners, and foundations/non-profit organizations. His work focuses on developing long-term financial strategies tailored to meet retirement and legacy goals, as well as addressing unforeseen personal and business financial challenges. Ryan's areas of expertise include education planning, services for endowments, foundations, and non-profits, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management, socially responsible and ESG investing, tax minimization, and retirement income. He emphasizes a transparent and disciplined approach to wealth management, fostering client relationships based on trust, service, and commitment. He earned a Bachelor of Arts degree in Economics and Business from Lafayette College, where he also served as captain and quarterback of the football team. In 2017, Ryan attained the CERTIFIED FINANCIAL PLANNER4 certification, awarded by the Certified Financial Planner Board of Standards, Inc. He resides in Wyckoff, New Jersey, with his wife and two children. His personal interests include basketball, football, golfing, running, and spending time with his family.

Maria Cunningham is a financial advisor at Merrill with 36 years of industry experience. She has been with Merrill since 2005 and holds Series 63 and Series 66 credentials. 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 strategies designed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Maryann Lyon is a Series 66-licensed financial advisor at Merrill with 21 years of industry experience. She has been with Merrill since 2009 and also has a longstanding association with Bank of America, N.A. since 2004. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients.

Matthew Di Betta is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of The Windsor Group in Paramus, New Jersey. Since joining in 2010, he has played a key role in overseeing wealth management, portfolio review, and wealth planning processes for his clients. His approach involves building customized financial plans and investment strategies tailored to each client's unique objectives. Matthew holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). He earned a Bachelor of Arts degree in Economics from Hobart and William Smith Colleges, where he also served as captain of the cross-country team. Outside of his professional work, Matthew maintains an active lifestyle by participating in running events, basketball, skiing, and traveling. He resides in Pleasantville, New York, with his wife Caitlin, their three children, and their black Labrador.