Terry Schurman is a Wealth Management Advisor and Merrill First Vice President based in the Ponte Vedra Beach, Florida office of Merrill Lynch Wealth Management. He specializes in assisting individuals and families with organizing and managing their wealth through a consistent and customized approach. His services include a wide range of investment and planning solutions focused on retirement planning and estate matters. Terry’s client focus areas encompass college education planning, executive compensation, family wealth management strategies, legacy planning, portfolio management services, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation as well as the Personal Investment Advisor (PIA) credential. He earned a Bachelor's Degree from Ohio State and is involved with the community as a member of Celebration Church. Outside of his professional work, Terry enjoys adventure sports, biking, cooking, football, and music. He supports his clients with a personalized financial strategy tailored to their long-term goals and integrates banking solutions through Merrill Lynch’s partnership with Bank of America.

Berkeley Sadigurski is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America, N.A., he held roles in various small businesses, including ownership or self-employment at entities such as Unload My Home LLC, 3 Shacks Capital Partners LLC, Sunshine Signings LLC, Bird Beak, and Prohibition Pig. 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 a broad range of individual and institutional investors.

Shawn Spencer is a financial advisor with Merrill in Ponte Vedra Beach, FL, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Bank of America, N.A., BBVA, and Fidelity Brokerage Services LLC. 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 and profit-sharing plans, corporations, and charitable organizations.

Leah Cason is a financial advisor at Merrill with four years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019, previously spending seven years at Bank of America. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jared Gudenkauf is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with busy, successful individuals, couples, and families to grow, preserve, and transfer their wealth. Jared provides practical and meaningful financial advice, often diving deep into client issues to develop niche understandings and forward-thinking approaches. His expertise includes titling assets to mitigate risk, creating consistent cash flow in retirement, optimizing benefits from business or profession, structuring wealth for long-term preservation, and cultivating sound stewardship in the next generation. He has earned national recognition by Forbes as a Best in State Wealth Advisor and a Top Next Generation Wealth Advisor. Jared began his career at Merrill Lynch Wealth Management in 2011, after serving as a Financial Advisor and District Manager for Ameriprise. He holds a Bachelor's degree in Business Administration from Kansas State University and maintains several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has also been involved with the Financial Planning Association as a past president and serves on the advisory board for the Personal Financial Planning Program at Kansas State University. In addition to his professional roles, Jared contributes to the community through involvement with organizations such as the American Heart Association, Junior Achievement, and the Leukemia & Lymphoma Society. He and his wife, both Merrill advisors, split their time between Kansas City and Ponte Vedra Beach, Florida, and have a blended family of four children. Jared enjoys hobbies including boating, fishing, photography, skiing, tennis, traveling, and woodworking.

Juliana Marsiglia is a financial advisor with Merrill in Ponte Vedra Beach, FL, holding a Series 66 designation and nine years of industry experience. She has been with Merrill since 2015 and also has prior experience with Bank of America N.A. 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, and various institutional investors.

Valeri Cain is a financial advisor with Merrill in Ponte Vedra Beach, FL, holding a Series 66 designation and 16 years of experience at Merrill. Cain has been with the firm since 2010. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wai Chan is a financial advisor with Merrill, holding a Series 66 designation and over 23 years of industry experience. He has been with Merrill since 1999. Outside of his advisory role, he serves as one of three managers for SAW Holdings I LLC, a personal holding company established to protect family assets. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Aida Hadzic is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2022, following an 11-year tenure at Wells Fargo Clearing. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving a diverse client base including 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, supported by account administration, trading, and custody services.

Olivia Karch is a Wealth Management Advisor with Merrill Lynch Wealth Management, currently based in Ponte Vedra Beach, Florida. She began her career with Merrill in August 2014 and joined her father, Gary Karch, in February 2020 to form The Karch Wealth Management Group. Olivia serves clients across multiple states and focuses on providing a comprehensive approach to managing wealth that starts with understanding each client's goals. She earned a Bachelor's Degree in Marketing from Penn State University in 2014. Olivia holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). Her areas of expertise include education planning, family wealth management, legacy planning, liquidity management, personal retirement planning, portfolio management, women and wealth, tax minimization, and retirement income. Olivia is active in community service, participating in local events and volunteering. She serves on the Horizon Board of Dreams Come True of Jacksonville and is a certified swim coach for the Duval County Special Olympics. She also enjoys traveling, spending time with family, and engaging in activities such as adventure sports, cooking, hiking, music, pickleball, skiing, swimming, and yoga.

Bernice Davis is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2013. Outside of her advisory role, she serves as treasurer of Talata's Truth LLC, a small family business focused on handmade items and consulting for small businesses, and holds board positions with the D B W Policy Center and Jacksonville Country Day School, where she serves as board secretary and leads the governance committee. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Benjamin Clark is a financial advisor with Merrill in Ponte Vedra Beach, FL, holding Series 63, 65, and 66 licenses and 23 years of industry experience. He has worked at Merrill and Bank of America since 2015. Clark serves as a trustee for The Fields Galley Private Foundation, a grant-making organization. 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 to individuals, high-net-worth clients, and institutional investors.

Sasha Poulos is a financial advisor with Merrill in Ponte Vedra Beach, FL, holding a Series 66 designation and seven years of industry experience. Poulos has worked at Merrill and J.P. Morgan affiliates and serves on the boards of the Florida State College at Jacksonville Foundation and The Arc Jacksonville. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gary Smith is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing extensive experience in financial planning and portfolio management since 1981. He joined Merrill Lynch in 2007 and holds professional designations including Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), and Personal Investment Advisor (PIA). Gary employs a planning-based approach that assesses risk tolerance to develop financial strategies aimed at optimizing certainty while minimizing risk. His expertise encompasses retirement income planning, managing sequence of returns, and wealth transfer to intended beneficiaries. Gary’s approach involves a comprehensive review of clients’ financial lives, emphasizing a clear understanding of their priorities to create personalized strategies aligned with their goals. He focuses on client segments such as individuals near or in retirement, those undergoing divorce transitions, widows and widowers, and professionals seeking tailored financial guidance. Gary also incorporates Total Merrill’s resources to address all facets of clients’ financial situations and conducts regular reviews to ensure alignment with changing circumstances. He holds a Bachelor’s degree from Allegheny College and a Master’s degree in Teaching from Antioch University. Gary has contributed articles to national magazines and authored a weekly financial column for the Syracuse Herald Journal from 1991 to 1997. Beyond his professional role, he is active in community organizations including Rotary International and Learn To Read St. Johns County. Gary’s personal interests include golfing, racquetball, woodworking, traveling, and spending time with his wife and five children.

Ian Pajcic is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he began his financial career in 1999. He initially practiced independently before building The Pajcic Group, an 11-person team with over 200 years of combined experience focused on personal client relationships. The team specializes in family wealth management strategies, managing new wealth, and personal retirement planning. Ian, as a qualified Portfolio Manager, provides traditional financial advice while also constructing and managing personalized investment strategies that may include individual stocks, bonds, Merrill model portfolios, and third-party investment strategies. When operating within the firm's Investment Advisory Program, he may manage these strategies on a discretionary basis. He also serves as a liaison between his group and internal business associates. Ian holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc., and has earned the Personal Investment Advisor (PIA) designation. He obtained his Bachelor's Degree from the University of Central Florida and graduated from Episcopal High School, where he served on the Alumni Board from 2008 to 2010. Ian is active in the Jacksonville community through his involvement with the Jacksonville School for Autism. Outside of his professional work, Ian enjoys golfing and wine collecting, as well as cooking, fishing, football, skiing, and spending time with his wife Monica and their three children, Austin, Anna Grace, and Alina, in Jacksonville.

Debra Guthrie is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and having 26 years of industry experience. She has been with Merrill since 1997. Outside of her advisory role, she holds power of attorney responsibilities for family members’ retirement accounts. 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, pension plans, and charitable organizations.

Jonathan Adamski is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 2003 and has over 15 years of experience in the Asset Management sector prior to joining the Pajcic Group. His expertise lies in Portfolio Management, and he holds the CERTIFIED FINANCIAL PLANNER® professional designation as well as the Personal Investment Advisor (PIA) designation. Jonathan earned his bachelor's degree from Rollins College and completed his MBA at Florida Atlantic University. He lives in Ponte Vedra with his wife Maribeth and their three children.

Charles Layton III is a financial advisor at Merrill with Series 63 and Series 65 credentials and 60 years of industry experience. He has been with Merrill since 1979 and has also worked at Bank of America, N.A. since 2011. He serves as a board member of Thornwell, a nonprofit providing programs to help families heal from trauma, abuse, and neglect. Merrill offers 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 developed by internal and third-party managers.

William Gaines is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been a financial advisor since 1993 and joined Merrill Lynch in 2003. In his role, he and his team work with a select group of families to coordinate various aspects of their financial lives and assist in making informed decisions across generations. His areas of focus include investment planning, credit and lending, tax-aware investment strategies, alternative investments, and trust and estate planning services. Trust, fiduciary, and investment management services are provided through Bank of America, N.A., a subsidiary of Bank of America Corporation. William holds the professional designation of Personal Investment Advisor (PIA). William earned his bachelor's degree from Boston University. He resides in Jacksonville Beach, Florida, with his wife, Kimberly, and their three children.

Kevin Wortmann is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Ponte Vedra Beach, Florida office. He joined Merrill Lynch in 1995 and serves as a Senior Vice President. Kevin and his team manage and coordinate the financial affairs for a select group of families in the Ponte Vedra area and across the United States, employing a comprehensive approach that addresses clients’ entire financial picture and continuously monitors progress. Kevin holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc., and the Chartered Retirement Planning Counselor™ (CRPC™) designation from The College for Financial Planning Institutes Corp. He also holds FINRA Series 7, 63, and 65 registrations. Kevin earned his Bachelor of Arts degree in Psychology from Florida State University in 1992. He focuses his practice on asset management, retirement planning, and risk management for individual clients. Residing in Jacksonville Beach, Florida, Kevin is involved in local youth sports programs, particularly baseball. He previously served in leadership roles with the Seminole Booster Club and Ponte Vedra Athletics. Kevin lives with his wife, Dori, and their son, Mason.