Xavier Ross is a Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Xavier earned a High School Diploma/GED from the United Nations International School and attended Carnegie Mellon University without receiving a degree.

Chad Labenz is a Senior Vice President and Wealth Management Advisor based in the Merrill North Florida Complex headquarters in Jacksonville, Florida. He joined Merrill Lynch Wealth Management in 2009, focusing on retirement planning and working with specialists from Bank of America and Merrill to offer services including cash management, portfolio development, college planning, wealth preservation, and estate planning. Chad works closely with estate planning advisors to support his clients' financial needs. A Nebraska native, Chad graduated with honors from the University of California, Santa Cruz and holds an MBA in finance from Fordham University's Graduate School of Business in New York City. Before joining Merrill Lynch, he spent nearly a decade on Wall Street working as a bond trader. Chad is a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), and he is a graduate of both Leadership Jacksonville and Leadership Florida. Chad is actively involved in his community as a Trustee and member of the Executive Committee at the Florida Theatre and as a past Board Chair at the Museum of Contemporary Art Jacksonville (MOCA). He has also participated in his children's education at The Bolles School.

Leilani Walker is a financial advisor at Merrill with seven years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Merrill in 2021, she worked at Fidelity Brokerage Services LLC and held positions outside the financial industry. 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 serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Kerry Grall is a Wealth Management Advisor at Merrill Lynch Wealth Management. With over 26 years of experience in the financial services industry, Kerry began their career with Bank of America in 1999 and joined Merrill Lynch Wealth Management in 2009. Their background spans banking, lending, insurance, and investments, allowing them to provide comprehensive, goals-based financial advice. Kerry focuses on personal retirement planning, portfolio management services, and retirement income. They work closely with clients to develop personalized financial strategies to help pursue long-term goals. Holding a Bachelor's Degree from the University of Florida, Kerry also holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. Outside of their professional role, Kerry enjoys reading, spending time with their family, and playing volleyball.

Anthony Zanaglio is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides a comprehensive approach to wealth management, focusing on understanding clients' personal and financial situations to develop customized strategies that align with their goals and adapt as needs and market conditions change. His expertise covers a range of areas including corporate benefits, executive compensation, family wealth management strategies, and investment consulting for defined contribution plans. Anthony's professional philosophy centers on prudent wealth management principles, disciplined investment direction, and exceptional client service. He emphasizes trust and transparency, working closely with clients to set realistic expectations for risk and reward. His approach includes coordinating with clients' other advisors and focusing on long-term goals through tax minimization strategies, estate planning, philanthropy, and banking services offered through Bank of America. He holds a Bachelor's Degree from the University of North Florida and certifications including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, Anthony enjoys football, swimming, traveling, and spending time with his family.

Emily Mccrea is a financial advisor with Merrill in Ponte Vedra Beach, FL, holding Series 63 and Series 66 licenses and having seven years of industry experience. She has been with Merrill since 2010. 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 range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Steven Sherman is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Merrill since 1989 and at Bank of America, N.A. since 2011. Sherman serves on the advisory board of Southern Legal Counsel, Inc., is a director for the University of North Florida Foundation, and sits on the board of the JFCS Foundation where he is involved in investment discussions. 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 institutional investors.

Courtney Schurman is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. She has been with Merrill and Bank of America N.A. since 2023. Prior to her current roles, her work history includes positions outside the financial services industry and a period at Valdosta State University. 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 various institutional investors.

James Clark is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in serving high-net-worth individuals, families, and small business owners, focusing on family wealth management strategies, managing new wealth, philanthropic planning, portfolio management services, special needs planning, sports and entertainment, and retirement income. His approach centers on understanding clients' life priorities and collaborating with them to create personalized financial plans that align with their goals and aspirations. Clark holds a Bachelor's Degree from Pace University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is recognized for his expertise in helping clients build, preserve, and transition wealth to the next generation through goals-based wealth management. Outside of his professional work, James Clark has personal interests that include baseball, boxing, cooking, football, golfing, hiking, ice hockey, music, spending time with his family, and traveling.

Thomas Sandifer is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over two decades of experience since beginning his career in 1998. Born and raised in Jacksonville, Florida, he specializes in working with high net worth individuals and families, focusing on personalized asset management strategies. His expertise includes college education planning, legacy planning, personal retirement planning, portfolio management services, socially responsible and values-based investing, as well as retirement income strategies. In addition to asset management, Thomas emphasizes insurance solutions such as life insurance, long-term care, and annuity strategies tailored to client needs. He holds the Chartered Retirement Planning Counselor (CRPC) designation awarded by The College for Financial Planning Institutes Corp., as well as the Personal Investment Advisor (PIA) credential. His educational background includes a high school diploma from Bishop Kenny High School and an associate's degree from Tallahassee Community College. Residing in Ponte Vedra Beach, Florida, Thomas lives with his wife Julie and their children, Melissa and Zachary. He supports several philanthropic organizations in North Florida, including The Child Cancer Fund, K-9s for Warriors, and The City Rescue Mission of Jacksonville. In his personal time, he enjoys boating, fishing, golfing, and traveling.

Robert Hale is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Beshany Group. He works closely with clients to provide personalized investment solutions that align with their priorities, risk tolerance, time horizons, liquidity needs, and goals. His client focus areas include college education planning, family wealth management strategies, managing new wealth, and personal retirement planning, as well as providing services for endowments, foundations, and non-profits. Mr. Hale holds multiple degrees, including a Bachelor's Degree from the US Naval Academy and Master's Degrees from the University of San Diego and the US Naval War College. He has earned the designation of Personal Investment Advisor (PIA) and actively participates in professional organizations such as the World Affairs Council in Jacksonville. His approach emphasizes clear communication, work ethic, and integrity. Outside of his professional role, Robert is a husband, father, retired naval aviator, and fitness enthusiast. He enjoys cooking, golfing, tennis, traveling, and spending time with his family and dogs.

David Sherman is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Ponte Vedra Beach, Florida. He has been with the firm since graduating from the University of North Florida with a degree in accounting. As a second-generation financial advisor raised in Jacksonville, Florida, David brings a long-standing connection to his community to his work. David's professional expertise encompasses education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, retirement income, and services for endowments, foundations, and non-profits. He holds the Personal Investment Advisor (PIA) designation and is actively involved in professional and community organizations, including the University of North Florida Alumni Board, the Young Alumni Association, and Stronger than Stigma. Outside of his financial advisory role, David participates in local community initiatives such as the Jacksonville Humane Society and the JAX MVP program for the Jacksonville Jaguars Foundation. He enjoys spending time outdoors with his rescue bulldog, Odin, playing sports, and attending Jaguars football games.

Leslie Dix is a Senior Financial Advisor with Merrill Lynch Wealth Management, partnering with the Grall & Dix Wealth Management Group. She has over 18 years of experience in the securities and planning industry, focusing on delivering personalized wealth management strategies that help clients pursue their long-term financial goals. Leslie's expertise includes employee stock options, insurance, estate planning, portfolio construction, and investment management across mutual funds, ETFs, stocks, bonds, and options. She holds the Accredited Asset Management Specialist™ designation earned through The College for Financial Planning Institutes Corp., as well as the Personal Investment Advisor (PIA) designation. Leslie earned a Bachelor's Degree from Jacksonville University. She is a member of the Associated Builders and Contractors, Inc.- First Coast Chapter. Beyond her professional work, Leslie is involved in the community through volunteering and maintains personal interests in cooking, fishing, football, golfing, hiking, music, spending time with family, traveling, watching movies, and yoga.

Ross Adrian is a Financial Advisor with Merrill Lynch Wealth Management, based in North Florida. He serves clients in Jacksonville, St. Augustine, and Ponte Vedra Beach, focusing on helping them simplify complex financial decisions to maintain focus on their careers and personal priorities. Ross partners with high-income, career-driven professionals, providing proactive and efficient financial guidance. With 7 years of experience in wealth management and compliance, including 3.5 years ensuring strategies meet regulatory standards and governance, Ross brings a comprehensive approach to advising clients. He holds the Personal Investment Advisor (PIA) designation and communicates fluently in English and Spanish. Ross earned his Bachelor's Degree from West Virginia University and is affiliated with Merrill Lynch Wealth Management.

Kelly Gegerson is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. She has worked at Merrill and Bank of America since 2018 and 2019 respectively, and previously at IberiaBank from 2016 to 2018. Outside of her advisory role, she is involved as a shareholder in SkyCore Group Inc. 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.

Jaime Mariscal is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in providing personalized wealth planning strategies tailored to each client's unique financial goals using Merrill's proprietary Personal Wealth Analysis® platform. Jaime focuses on helping entrepreneurs, doctors, and C-Suite executives manage substantial wealth through services that include advanced tax mitigation strategies, business exit planning, estate planning, philanthropic giving, and liquidity management. Jaime holds a Bachelor's Degree from Florida State University and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Exit Planning Advisor (CEPA), and Personal Investment Advisor (PIA). He is fluent in both English and Spanish and serves clients on a variety of financial matters including legacy planning, retirement income, portfolio management, and tax minimization. Outside of his professional work, Jaime is involved with community organizations such as FirstTee North Florida and K9s for Warriors. In his personal time, he enjoys cooking, football, golfing, music, traveling, spending time with his family, and watching movies.

Bradley Rupp is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has dedicated his entire 44-year financial services career to Merrill Lynch, beginning as a Commodity Investment Advisor in the Jacksonville office. His extensive experience spans a wide range of wealth management planning strategies, including both traditional approaches and exploring alternative investments for clients with complex financial needs. Bradley holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Cincinnati. He focuses on delivering personalized financial plans that address clients’ unique goals such as funding education, planning for retirement, and managing potential healthcare costs. Outside of his professional work, Bradley enjoys skiing, golfing, shooting pool and firearms, and following major sports, with a particular interest in the Detroit Tigers.

Catherine Nolan is a financial advisor at Merrill with 40 years of industry experience. She has been with Merrill since 1979. Outside of her advisory role, she is involved part-time in retail sales at Talbots Inc. and participates as a distributor in a multi-level marketing business with her husband. 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.

Richard Fetherolf III is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management, based in Ponte Vedra Beach, Florida. He co-leads the Current/Sherman Group, which advises clients in 30 states and manages approximately $2.5 billion in assets and liabilities as of February 2026. Richard joined Merrill after graduating from the University of Florida in 2009 and has been with the Current/Sherman Group since 2010. He has extensive experience working with ultra-high-net-worth families and collaborates closely with their estate planning and tax advisors to address complex estate, tax strategies, charitable intent, and next generation family wealth planning. Richard also directs the group's portfolio construction and implementation strategies. He holds Series 7 and 66 FINRA registrations and has earned the Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), and Personal Investment Advisor (PIA) designations. Outside of his professional role, Richard enjoys football, golfing, hiking, music, reading, skiing, spending time with his family, tennis, traveling, and watching movies.

Emily Box is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2018. Prior to joining Merrill, she worked at First Coast News and WUFT PBS. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.