Ami Mcgowan is a financial advisor with Merrill in Ponte Vedra Beach, FL, holding Series 63 and Series 66 designations and has 27 years of industry experience. She 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 strategies developed by internal and third-party managers and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tucker Smoot is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2012 as well as Bank of America since 2014. Outside of his advisory role, he owns an LLC established to hold recreational and timber land interests in Florida. 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, and institutional investors.

Rees Mason is a Wealth Management Advisor at Merrill Lynch Wealth Management. She works with a 38-person team that addresses the financial needs and goals of modern multigenerational families, focusing not only on financial aspects but also integrating considerations related to health, family, work, leisure, and philanthropy. Rees joined Merrill in 2012 and has expertise in areas including college education planning, divorce transition planning, family wealth management strategies, employee financial health, legacy planning, personal retirement planning, women and wealth, and tax minimization. She holds a Bachelor's Degree in Finance from Illinois State University and professional designations including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). In addition to her professional work, Rees serves as a board member of the American Heart Association and has previously served on the Joffrey Ballet Auxiliary Board. Her personal interests include cooking, dancing, reading, skiing, tennis, traveling, and yoga.

Anthony Durel is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He specializes in providing professional asset management and financial planning strategies tailored to clients' individual needs. His service offerings include retirement planning, estate and legacy planning, tax mitigation, educational savings, insurance consultation, and access to wealth management banking and lending solutions through Bank of America. Anthony holds a Bachelor's Degree from Florida State University and has earned professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He emphasizes personalized relationships with clients and maintains a high level of ongoing engagement and support. In addition to his professional commitments, Anthony participates in community volunteering activities. His personal interests include boating, camping, fishing, football, golfing, and hiking.

Teresa Stachulski is a financial advisor at Merrill with 31 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1986. Outside of her advisory work, she pursues a hobby painting concrete pavers and flower pots, which she sells at craft shows. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Michael Ruble is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He previously worked with BB&T Investments and BB&T Bank before joining Merrill and Bank of America in 2017. Ruble serves as an advisory committee member for the Community Foundation of Jacksonville. 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 strategies for a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Allison Kinson is a financial advisor with Merrill, holding a Series 66 designation. She has been associated with Merrill in various capacities since 2015, with additional work experience at Mayo Clinic and in the hospitality industry at BrewHound Dog Park + Bar. Located in Ponte Vedra Beach, FL, her background includes both financial services and other business activities. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ferol Brechler is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. She began her career with Merrill in 1993 and transitioned to the Wealth Management division in 1999 as a Client Associate before becoming a Financial Advisor in 2017. Ferol holds a Bachelor’s degree in Business Management from the University of North Florida and is a CERTIFIED FINANCIAL PLANNER™ professional as well as a Personal Investment Advisor. Ferol’s expertise encompasses family wealth management strategies, managing new wealth, personal retirement planning, special needs planning strategies, and women and wealth. She brings in-depth knowledge and compassion to helping individuals navigate their financial journeys and focuses on developing long-term client relationships through a strategic and tailored approach that aligns with each client’s unique circumstances. Her experience with a special needs family member informs her understanding of challenges faced by special needs individuals. Outside of her professional work, Ferol is involved with the Jacksonville Zoo and Gardens Planned Gifting Council and her church. She lives in the Guana area of Ponte Vedra, Florida, with her husband John and their son Cody. In her spare time, she enjoys gardening, hiking, biking, kayaking, reading, traveling, and spending time with family and friends.

Matthew Schwarz is a Wealth Management Advisor at Merrill Lynch Wealth Management based in the Ponte Vedra Beach, Florida office. He began his career in banking and investments in 2006 and joined Merrill Lynch Wealth Management in 2010. Matthew works with a team of professionals to develop and tailor wealth management strategies that align with each client's individual circumstances and goals. He regularly reviews client progress and assists in planning for future financial objectives. Matthew holds a Bachelor's Degree in Business Management from the University of Colorado at Boulder and has earned the CERTIFIED FINANCIAL PLANNER® (CFP®) and Personal Investment Advisor (PIA) designations. He focuses on areas including family wealth management strategies, legacy planning, personal retirement planning, tax minimization, and retirement income. In addition to his professional work, Matthew serves as a board member at WeCareJax, an organization dedicated to advancing and coordinating community-wide compassionate specialty care for the uninsured. He resides in Florida with his wife, Tamara, and their two daughters, Reagan and Brinley, and they enjoy spending time at local beaches and in the North Carolina mountains.

Rachel Higgins is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in delivering personalized wealth management strategies that consider each client's full financial picture. Rachel works closely with individuals, families, and businesses to develop strategies that align with their unique goals and changing market conditions. She provides access to investment insights from Merrill Lynch, as well as banking and lending solutions through Bank of America. Her expertise includes areas such as college education planning, family wealth management, legacy planning, tax minimization, and retirement income. Rachel approaches financial planning with a relationship-based philosophy, aiming to help clients navigate financial transitions with confidence. She holds the Personal Investment Advisor (PIA) designation. Rachel holds a Bachelor's Degree from the University of North Carolina System and a Master's Degree from the University of Miami. Outside of her professional work, she enjoys antiquing, fishing, golfing, interior decorating, painting, running, softball, spending time with her family, traveling, and following football.

Jamie Jezik is a financial advisor with Merrill, holding a Series 66 designation and over 20 years of industry experience. He has worked with Merrill since 2000 and has been affiliated with Bank of America, N.A. since 2012. He is based in Ponte Vedra Beach, FL. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Cusick is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been involved in managing clients' wealth since 1998, focusing on providing dedicated service to support their financial needs. Joseph holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is also recognized as a Personal Investment Advisor (PIA). He earned a bachelor's degree in Accounting from Villanova University and a Master of Business Administration from the University of North Florida. Additionally, Joseph is a former Certified Public Accountant. He resides in Jacksonville with his wife, Kelly, and their three children.

Philip Wise is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and 30 years of industry experience. He has worked at Merrill since 1996 and has spent the past 15 years at Bank of America, N.A. in Ponte Vedra Beach, Florida. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kimani Ridley is a Financial Advisor at Merrill Lynch Wealth Management, specializing in legacy planning, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. With over eight years of industry experience, Kimani focuses on delivering personalized financial guidance that combines investments, insurance, lending, and banking solutions tailored to client needs. Kimani's expertise extends to small business strategies, special needs planning, women and wealth, individual and corporate investment strategies, and retirement income. Leveraging experience from both Bank of America and Merrill Lynch, Kimani aims to simplify complex financial matters to empower clients to make informed decisions. Kimani holds a Bachelor's Degree from the College of the Holy Cross and is a Personal Investment Advisor (PIA). Outside of work, Kimani enjoys basketball, football, golfing, scuba diving, spending time with family, and traveling.

Elizabeth Fredeking is a financial advisor with Merrill Lynch Wealth Management. She has been with Merrill since 2015 and is focused on building deep client relationships through personalized wealth management strategies. Her work includes helping clients create strategies aligned with their financial goals by understanding what matters most to them. Elizabeth provides professional advice in areas such as tax and estate needs, wealth preservation, retirement planning, and portfolio management. Her client focus areas include college education planning, corporate benefits, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. She holds the FINRA Series 7 and Series 66 registrations, as well as the Personal Investment Advisor (PIA) designation, and is registered in multiple states. She earned a bachelor's degree from the University of Cincinnati. Elizabeth also participates in community volunteering activities. Her personal interests include cooking, gardening, golfing, running, skiing, swimming, tennis, traveling, and yoga.

Stephen Young is a financial advisor at Merrill with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Merrill since 1980 and Bank of America since 2010. Outside of his advisory role, he is involved in a family business focused on the purchase and sale of residential real estate lots in Saint Augustine, Florida. 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 for individuals, high-net-worth clients, and institutional investors, combining internal Chief Investment Office models with third-party managers.

Lawrence Weber III is a financial advisor at Merrill with 24 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch since 2002 and Bank of America since 2009. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment management includes multiple program strategy types and extensive manager-constructed strategies, supported by oversight from its CIO and platform team.

Michael Bowles is a Senior Financial Advisor specializing in working with families, business owners, and executives to structure and guide their financial lives. He is affiliated with Merrill Lynch Wealth Management and focuses on providing comprehensive financial planning and investment services. Michael holds a Master's Degree and a Bachelor's Degree from the University of Florida, as well as a Master of Business Administration (MBA) from the same institution. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also involved in professional organizations such as Florida Blue Key and the Jacksonville Gator Club. In addition to his professional work, Michael participates in community activities including Dance Marathon at the University of Florida, ProCamps Worldwide, and TopSoccer. He resides in Jacksonville, Florida, with his wife, their daughter, and their dogs.

Prescott Rowe is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been active in the financial industry since 2011, serving in various roles including support for financial advisors, licensed trader, service representative, and on the Retirement help desk. His work centers on individual retirement and estate planning as well as institutional retirement planning for businesses and high net worth individuals. Prescott holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree in Communications and Electronic Media from the University of North Florida. Prescott's client engagement process includes understanding client goals and needs, creating tailored plans, implementing strategies to enhance these plans, and conducting periodic reviews. He emphasizes customized strategies to align with individual client situations and investment profiles. Outside of his professional role, Prescott is involved in community organizations such as the Boy Scouts of America and Riverside Avondale Preservation. He enjoys activities including biking, chess, football, golfing, pickleball, soccer, swimming, tennis, watching movies, and spending time with his family.

Christopher Hunter is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in working with entrepreneurs, individuals, and families to navigate complex financial landscapes, particularly in the areas of business transition planning and wealth management. His expertise includes structuring exit strategies, managing liquidity events, estate planning services, tax efficiency, wealth transfer, and cash flow management. Christopher holds a Bachelor of Science degree and a Master of Business Administration in Finance, both from Ohio University. He is a Certified Financial Planner (CFP), a Certified Exit Planning Advisor (CEPA), and a Personal Investment Advisor (PIA). Before joining Merrill Lynch in 2013, he worked as a financial representative at Northwestern Mutual in Boca Raton, Florida. Raised in a military family in Springfield, Ohio, Christopher resides in Jacksonville, Florida with his wife and daughters. Outside of his professional pursuits, he enjoys golfing and spending time with his family.