Deborah Spychalski is a financial advisor at Merrill with 25 years of industry experience. She has been with Merrill since 1996 and holds the Series 66 designation. 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 and profit-sharing plans, corporations, and charitable organizations.

Courtney Anderson is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Merrill Lynch since 2020. Prior to that, she spent 16 years at John Hancock Distributors LLC and John Hancock. 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 a range of clients including individuals, high-net-worth clients, and institutional investors.

Thomas Worden is a financial advisor with Merrill in Pittsford, NY, holding Series 63, Series 65, and Series 66 licenses and totaling 25 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2012. 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.

William Mccarthy is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been part of the organization since 2007. He initially joined as a Financial Advisor and associate in The Claffey & McAuley Team and later served as Resident Director of the Ithaca Merrill office from 2013 to 2016. Currently, he co-leads The McAuley & McCarthy Team alongside Thomas McAuley. William specializes in family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. William holds the Chartered Retirement Planning Counselor (CRPC™) designation and the Personal Investment Advisor (PIA) credential. He is an honors graduate of Cornell University with a Bachelor's degree in Applied Economics & Management. His approach emphasizes developing a deep understanding of clients' long-term retirement goals and guiding investor behavior through disciplined allocation strategies to help clients pursue their financial objectives. Outside of his professional work, William is active in the Cornell Club of Rochester and the Crohn's & Colitis Foundation of America (CCFA). He resides in Canandaigua, NY, with his wife Meghann and their two sons, Billy and Michael. His personal interests include baseball, basketball, chess, fishing, football, golfing, reading, skiing, and spending time with his family.

Jacob Newkirk is a Wealth Management Advisor and one of three partners at the GLN Wealth Management Group, a Merrill Lynch Wealth Management team based in Rochester, New York. He joined the group in 2017 and has since served a select number of high-net-worth clients, including business owners, retirees, healthcare professionals, and affluent families. Jacob leads the team's institutional business by working directly with privately and publicly owned businesses to provide financial consulting for employer-sponsored retirement plans and nonprofit endowments. With over 50 years of combined experience among his team, Jacob and his colleagues offer a comprehensive, data-driven approach to financial planning. Their services include portfolio management, multigenerational trust and estate planning, college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, socially responsible investing, tax minimization, and retirement income planning. The GL Group was recognized by Forbes as a "Best-in-State Wealth Management Team" in 2023. Jacob earned a bachelor's degree in Finance from the University of Dayton. He holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). A native of Fairport, New York, he is active in the local hockey and lacrosse communities, enjoys golfing, and supports the Buffalo Bills and Buffalo Sabres. Jacob resides in Fairport with his fiancée Katey and their dog, Cali.

Nathaniel Skinner is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he partners with clients to understand their unique goals and develop customized financial strategies aimed at pursuing long-term success. His approach emphasizes trust, personalized guidance, and ongoing support through every stage of life. Nathaniel's expertise includes general investing, retirement planning, managing new wealth, education planning, socially responsible and values-based investing, and retirement income strategies. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nathaniel earned a High School Diploma from the High School of Health Professions. Outside of his professional work, Nathaniel has interests in baseball, basketball, football, gardening, ice hockey, music, pickleball, reading, spending time with his family, and watching movies.

Timothy Acker is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been helping clients since 2015. He specializes in family wealth management strategies, managing new wealth, and personal retirement planning. Timothy focuses on offering a comprehensive approach to managing wealth that begins with understanding the client's financial situation, family, and priorities, followed by creating a customized and flexible wealth management plan suitable to evolving needs and market conditions. He provides clients with access to the investment insights of Merrill and the banking services of Bank of America. Timothy holds a bachelor's degree from Pennsylvania State University and is a CERTIFIED FINANCIAL PLANNER® professional. His professional designations also include Personal Investment Advisor (PIA). Outside of his advisory role, Timothy is involved with professional organizations such as Al Sigl and the Rochester Area Community Foundation. In his free time, he enjoys golfing, hockey, billiards, reading, football, and spending time with his family.

Thomas Mc Auley Jr. is a financial advisor at Merrill with 34 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Merrill since 1992, concurrently serving at Bank of America, N.A. since 2011. 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 individuals, high-net-worth clients, and institutional investors. The firm integrates internal and third-party management while supporting trading and account administration.

Colin Worden is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Western New York. He serves families, business executives, and young professionals across the United States, assisting them in investing for their futures and achieving their financial goals. Colin's areas of focus include retirement planning, college education, small business strategies, legacy planning, and customized investment portfolio creation tailored to individual client needs. He holds a Personal Investment Advisor (PIA) designation. Colin earned his undergraduate degree, a Bachelor of Arts in Economics with honors in Philosophy, from Case Western Reserve University in 2015, and later obtained an MBA from the Simon Business School at the University of Rochester. He resides in Rochester, NY, and enjoys drawing, reading, rock climbing, running, skiing, spending time with his family, and traveling.

Nicholas Berno is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2015. Outside of his advisory role, he is the owner of JMBL Development, LLC, a company involved in buying, renovating, and selling single-family residential properties. 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 a variety of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Moore is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides professional advice and services focused on helping clients identify and achieve their financial goals through personalized wealth management strategies. Christopher works closely with families and corporate executives, delivering tailored financial plans that align with clients' long-term objectives. His areas of expertise include education planning, family wealth management, services for endowments, foundations, and non-profits, employee financial health, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, tax minimization, and corporate investment strategy. Christopher also offers risk management, retirement income strategies, long-term care, wealth transfer, trust and estate planning services, philanthropic planning, legacy management, and customized lending through Bank of America. Christopher holds a Bachelor's degree and a Master's degree from the University of Rochester. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is actively involved in community organizations such as the Episcopal Diocese of Rochester, Fairport Baptist Home Foundation, St. Paul's Episcopal Church, and Water for South Sudan. Christopher resides in Fairport, NY with his wife, Louise, and enjoys baseball, football, genealogy, golfing, music, and singing.

Karen Lally is a financial advisor with Merrill in Pittsford, NY, holding Series 63 and Series 65 licenses and accumulating 27 years of industry experience. She has been with Merrill since 2010. Outside of advisory work, she serves as an executor in a non-investment related capacity. 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 a range of model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Damianos Theodorou is a Wealth Management Advisor and Vice President at Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional and holds the Personal Investment Advisor (PIA) designation. Damianos focuses on providing personalized financial strategies to help clients pursue their long-term goals. With expertise in corporate executive services, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income, Damianos works closely with clients to develop flexible strategies aligned with their financial priorities. He emphasizes understanding the full financial picture of each client to create tailored wealth management solutions. Damianos earned a Bachelor's Degree from the Rochester Institute of Technology. He speaks English and Greek. Outside of his professional work, Damianos enjoys cooking, football, golfing, hiking, reading, soccer, spending time with his family, and traveling.

Amy Mckay is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Merrill since 2015. Outside of her advisory role, she is a shareholder of the Cayuga Grandview Beach Co Op Corporation, a cooperative that provides cottage ownership on Cayuga Lake. 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 serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Mark Eidlin is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his financial services career in 1990 and joined Merrill Lynch in 1992, where he served as complex sales manager from 2000 through 2008. Mark works with a diverse client base, including business owners, helping them establish, grow, and transition their companies. He offers financial advice aimed at integrating various elements of clients' financial lives to support their personal and financial goals. Mark holds several professional designations, including Certified Private Wealth Advisor® (CPWA®), Chartered Retirement Planning Counselor™ (CRPC), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor® (CPFA®), and Certified Exit Planning Advisor (CEPA). He is also designated by Merrill Lynch as a Retirement Benefits Consultant and a Defined Contribution Investment Consultant. Mark earned bachelor's degrees in economics and political science from Boston University and holds an MBA from Cornell University. Additionally, he graduated from the National School of Commercial Lending at Southern Methodist University's Cox School of Business. Mark serves as Vice Chairman of the Highland Hospital Foundation board and is a former Chairman of the Board at Highland Hospital. He resides in Pittsford, New York with Salley Thornton and has two children, Amanda and Rex. Mark's personal interests include outdoor activities such as skiing, marathon canoeing, stand-up paddle boarding, and golf.

Richard Monroe is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on understanding clients' priorities to help develop their short-, mid-, and long-term financial goals. His areas of expertise include general investing, retirement planning, and saving strategies, and he works to provide access to additional banking, credit, home financing, and small business solutions through Bank of America specialists. Richard holds a Bachelor's Degree from Tulane University and has earned professional designations including Accredited Portfolio Management Advisor (APMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He has lived in Charlottesville for 20 years and has been actively involved in the community through roles on various school boards, volunteering as an EMT, and coaching soccer and wrestling. In addition to his professional work, Richard is engaged in community activities such as the Charlottesville Wrestling Club, International School of Charlottesville, Ivy Elementary, and serves as a soccer coach with SOCA. He lives in Charlottesville with his family and values connecting with clients to advocate for their financial well-being.

John Atwater is a Wealth Management Advisor specializing in creating personalized financial strategies that align with clients’ individual goals and evolving market conditions. He leverages the investment insights of Merrill Lynch Wealth Management and the banking resources of Bank of America to address various aspects of clients’ financial lives. His client focus areas include divorce transition planning, executive compensation, retirement income, portfolio management, tax minimization, and strategies for endowments, foundations, and non-profits. John holds a bachelor’s degree in Prelaw from Pensacola Christian College. He obtained the Chartered Retirement Planning Counselor™ designation in 2012 and earned the CERTIFIED FINANCIAL PLANNER® certification in 2016. Prior to joining Merrill Lynch Wealth Management in 2008, he worked in a Rochester law firm. John is also a Personal Investment Advisor (PIA). In addition to his professional responsibilities, John participates in community service and currently serves on the Williamson Public Library Board. His personal interests include running, woodworking, and spending time with his family.

Jennifer Bustamante is a financial advisor with Merrill in Pittsford, NY, holding a Series 66 license and 17 years of industry experience. She has been with Merrill Lynch since 2007. Outside of her advisory role, she serves as a general partner and managing member of several nutrition-related LLCs involved in selling Herbalife products and is a board member of GiGi's Playhouse – Rochester, a charitable organization providing educational and therapeutic programs for individuals with Down syndrome. 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, providing model-based and discretionary strategies to a wide range of clients including individuals, high-net-worth clients, and institutions.

Jason Nevada is a Senior Financial Advisor at Merrill Lynch Wealth Management. He serves affluent individuals and families by providing a goals-based wealth management process tailored to their unique ambitions and priorities. Jason focuses on helping clients address complex financial concerns related to retirement planning, legacy planning, tax minimization, individual and corporate investment strategies, and small business strategies. Jason began his career with Merrill Lynch in 2010, initially working with the Management Team and operations for over four years before transitioning to a financial advisor role with the HF Team. He holds a Bachelor's Degree from Saint John Fisher College, where he was a member of the baseball team throughout his undergraduate studies. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Residing in Rochester, NY, Jason participates in competitive softball and golf, and values spending time with his family. He is also a past member of the Board of Directors at Monroe County Baseball Region, where he contributed to providing a competitive and safe environment for serious baseball players.

Jacqueline Sinclair Parker is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in creating financial strategies for individuals, corporate executives, and business owners by utilizing Personal Wealth Analysis (PWA). Jacqueline offers advice in retirement planning, wealth preservation, asset allocation, income-generating investments, income distribution, and corporate benefit programs including equity compensation and various deferred compensation plans. She also arranges financing through Bank of America, N.A. for residential, investment, and commercial properties. Jacqueline has been with Merrill Lynch Wealth Management since 2006, following a 13-year tenure at Xerox Corporation. She holds a bachelor's degree in Electrical Engineering and an MBA from Rochester Institute of Technology. Her professional credentials include Series 7, 63, and 66 FINRA registrations, Life and Health Insurance Licenses, and a Personal Investment Advisor (PIA) designation. Outside of her professional role, Jacqueline enjoys playing tennis, golfing, biking, and spending time outdoors. She is involved in community organizations such as the Rochester Jamaican Organization, Order of Eastern Star, US Tennis Association, and the Genesee Women's Golf Association.