Michael Carroll is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2012, he has served as the lead portfolio manager and co-director of the team's investment committee, directing the management, research, and strategic positioning of client portfolios. He brings over 20 years of experience in investment management and corporate finance to his role. Prior to his current position, Mr. Carroll was vice president and lead portfolio manager at M&T Trust, a family office and private foundation in Rancho Santa Fe. He also held roles at Nicholas|Applegate Capital Management, Morgan Stanley & Co., and the University of Notre Dame Investment Office. He holds a bachelor's degree in finance and business economics from the University of Notre Dame and the Chartered Financial Analyst (CFA) designation. He is a member of the CFA Institute and the CFA Society of San Diego and serves on the advisory board for the Applied Investment Management Program in Notre Dame's Mendoza College of Business. Additionally, he is vice president of the Notre Dame Club of San Diego and participates on the Notre Dame Wealth Management Symposium Steering Committee. Outside of his professional responsibilities, Mr. Carroll lives in San Diego with his wife and two daughters and pursues personal interests including adventure sports, biking, boating, golfing, hiking, music, skiing, tennis, and traveling.

Kaleah Yearwood is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. Her prior roles include positions at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Logix Federal Credit Union, and various other firms. Outside of finance, she works part-time at a fashion boutique in San Diego. 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.

Nathan Labiak is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been advising clients on wealth management and investment strategy since 1998 and joined Merrill Lynch in 2003. Nathan leads a team working with affluent individuals, families, business owners, and executives on complex financial decisions including retirement planning, concentrated wealth management, liquidity events, tax strategies, estate planning, and multigenerational wealth transfer. Nathan's approach involves a comprehensive assessment of each client's financial landscape, considering income requirements, risk tolerance, tax exposure, estate goals, family priorities, and legacy objectives. He designs personalized strategies to bring structure and clarity to managing significant wealth, coordinating with clients' tax and legal advisors to emphasize tax-aware investment planning and integrated wealth management. He holds the Certified Investment Management Analyst® (CIMA®) designation, Certified Private Wealth Advisor® (CPWA®) designation, CERTIFIED FINANCIAL PLANNER® certification, and other professional credentials. Nathan earned his bachelor's degree in finance from the California State University system. He is involved with the Helen Woodward Center, San Diego Humane Society, and Sigma Chi Alumni. Nathan lives in Cardiff-by-the-Sea with his family and enjoys camping, surfing, and the outdoors.

Peter Huffman is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2008. He specializes in comprehensive wealth management with a focus on Behavioral Finance and how financial and investment decisions affect individuals and families. His expertise encompasses family wealth management strategies, philanthropic planning, socially responsible investing, and liquidity management among other areas. Before joining Merrill Lynch, Peter spent five years in Africa and Asia working in managerial roles for the Clinton Health Access Initiative (CHAI), including serving as Country Director for Ethiopia where he managed one of the largest HIV/AIDS care and treatment programs worldwide. He also acted as the principal liaison for official visits by former President William J. Clinton to Africa. Peter is engaged in philanthropy through board service and co-founding a nonprofit focused on youth empowerment and health services in South Africa and Ghana. Peter holds a bachelor's degree in psychology from Willamette University in Salem, Oregon and is a Personal Investment Advisor. He has been recognized as a Top 1200 Financial Advisor by Barron's, a Best in State Wealth Advisor by Forbes, and included in On Wall Street's Top 40 Under 40. Peter lives with his wife and their two children.

Allison Wong is a financial advisor with Merrill in Rancho Santa Fe, CA, holding a Series 66 designation and seven years of industry experience. She has been with Bank of America and Merrill since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jared Hegardt is a Senior Financial Advisor at Merrill Lynch Wealth Management, joining the Hegardt, Steelman, Carroll & Associates team in 2019. His professional experience includes roles in finance at AEG Facilities, a major owner and operator of sports and music venues, and sales development at OneRent Inc., a Silicon Valley property management startup integrating technology into tenant and landlord experiences. Jared holds a Bachelor's Degree in Finance from Santa Clara University, where he also played Division I soccer, and a Master's Degree in Finance from the University of San Diego. He has earned the Personal Investment Advisor (PIA) designation. A native of San Diego, Jared is involved in his community through volunteer work with Make-a-Wish San Diego. His personal interests include soccer, hiking, and skiing in California.

Devon Hawley is a Series 66 licensed advisor with Merrill, based in Rancho Santa Fe, CA, and has seven years of industry experience. His prior roles include positions at the University of San Diego and the California Innocence Project. He serves as a trustee for a private trust. 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 clients, and institutions.

Joshua Rayburn is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2006, he has held various leadership roles within the organization. In his current position, Joshua and his team serve a multi-generational client base consisting of individuals, families, business owners, and executives, providing wealth planning solutions tailored to client goals and circumstances. Joshua’s approach centers on connecting clients to personalized strategies that address their unique ambitions, such as planning for education funding, retirement lifestyle, and potential healthcare costs. His team emphasizes clear and concise advice that considers more than just financial numbers, translating client goals into actionable steps toward desired outcomes. He earned a Bachelor’s Degree from the State University of New York System and a Juris Doctorate from Syracuse University College of Law. Joshua holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In his role at Merrill, Joshua does not provide legal advice.

Joshua Johnson is a financial advisor at Merrill with a Series 66 designation. He joined Merrill in 2025 and has prior experience in mortgage lending, legal support, and various entrepreneurial ventures. His background includes roles at Cross Country Mortgage, The Law Office of Samuel Dagan, and Destination West Builders, LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates investment management with Bank of America’s broader platform, providing access to a range of financial products and services.

Jesse Menashe serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined the team in 2015, contributing to both financial advising and the firm's business development, marketing, and administrative efforts. Jesse focuses on areas such as employee benefits planning, executive compensation, equity compensation services, and investment consulting for defined contribution plans, among others. He holds a Bachelor of Science degree in business marketing from Arizona State University and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Jesse applies his education and experience to assist clients in leveraging financial opportunities. Outside of his professional work, Jesse engages in activities such as chess, golfing, hiking, and music, with a particular interest in playing guitar and composing and recording music.

Tanner Curtiss is a Wealth Management Advisor with Merrill Lynch Wealth Management and a third-generation Merrill Advisor, working alongside his father at the Curtiss and Associates group. He helps clients pursue their long-term financial goals through personalized wealth management strategies, drawing on Merrill's investment insights and the banking and lending solutions of Bank of America. His client focus areas include college education planning, legacy planning, personal retirement planning, and retirement income. Before joining the Curtiss and Associates team, Tanner gained experience as a financial analyst at both a local startup and a Fortune 100 technology company. His team emphasizes delivering consistent resources and practical analysis across various industries to help clients achieve financial freedom despite changing environments. Tanner holds a Bachelor's Degree from Tulane University and holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) professional designations. He is involved in professional organizations such as Junto and Startup San Diego. In addition to his professional work, Tanner participates in community volunteering aligned with Merrill's tradition of community service. His personal interests include camping, golfing, hiking, racquetball, running, surfing, tennis, and yoga.

John Naviaux is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 15 years of experience providing counsel to senior executives, public and private C-suite leaders, entrepreneurs, and families. He specializes in delivering guidance on wealth preservation, accumulation, and distribution, with a focus on navigating large liquidity transactions, personal and professional transitions, and unplanned life events. John applies a personal and thoughtful approach to address his clients' challenges and uncover emerging opportunities. John holds several professional designations, including Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor’s degree from the University of Arizona and an MBA from the University of Southern California’s Marshall School of Business. He participates in the Merrill Next Generation Leadership Council and the USC Marshall School of Business Alumni Group. Beyond his professional commitments, John is involved with the American Heart Association and Miracle Babies. He enjoys activities such as basketball, football, golfing, tennis, reading, traveling, and spending time with his family.

David Frederiksen is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 registrations and has previously worked at Morgan Stanley Smith Barney LLC and T. Rowe Price Investment Services Inc. Frederiksen also has experience in higher education, having taught at Towson University and the Community College of Baltimore County. 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 individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Annterese Toth is a Senior Financial Advisor and partner of the VCMP group at Merrill Lynch Wealth Management. She has been in Financial Services for 30 years and joined Merrill in 2003. Annterese holds several professional designations including the Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She assists affluent individuals and business owners with financial strategies, retirement income planning, and estate planning services. Annterese earned her bachelor's degree in business from National University, graduating cum laude. She also attended Hofstra University in New York and completed the Wharton School of Business Executive Training Program. In addition to her professional work, Annterese has been active in her community, serving as a board member of the Finance committee and Vice President for the Rancho Santa Fe Garden Club. She has also been involved with Country Friends of Rancho Santa Fe, Bonsall Woman's Club, and Rally for Children. Annterese resides in Rancho Santa Fe with her husband, former Soccer Hall of Champion Zoltan Toth. They enjoy spending time with their three adult children and other family members.

Ryan Wetsel is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the firm in 2009 and specializes in assisting clients with commercial banking and financing strategies, managing concentrated stock positions, and navigating significant transition events such as retirement, inheritance, or the sale of a business. Before joining Merrill Lynch, Ryan gained experience working with Welfare Strategies in Adelaide, Australia, where he helped business owners establish corporate benefit programs. He also contributed to quality control and accounting standards efforts at the American Standard plant in China. Ryan holds a Bachelor of Science degree in Economics and Business from Westmont College in Santa Barbara. He has spent considerable time studying International Business across Europe, Asia, New Zealand, and South Africa. Ryan resides in Del Mar with his three children.

Laura Rasmussen is a financial advisor at Merrill with 24 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including Wells Fargo Clearing and HD Vest Advisory Services. Rasmussen is currently based in Rancho Santa Fe, CA. 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 individuals, high-net-worth clients, and institutional investors.

Tracy Schechter is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 designations and has been with Merrill since 1999, as well as with Bank of America since 2026. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Cody Meza is a financial advisor with Merrill in Rancho Santa Fe, CA, holding a Series 66 designation and six years of industry experience. Prior to joining Merrill in 2020, he worked in roles at Southern Glazer's Wine and Spirits, BMW Encinitas, Hyatt Corporation, and San Diego State University. Outside of his advisory work, he is involved with Sunset Trivia, a limited liability company based in San Diego. 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 and services a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Gilmore is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads goals-based wealth management efforts for a select group of affluent clients and their families. His approach focuses on understanding clients' priorities, goals, and aspirations to develop personalized financial strategies. James analyzes current market trends and economic data to identify opportunities and challenges, aiming to provide clarity and simplicity in a complex financial environment. James began his financial services career in 1981 at Merrill Lynch Wealth Management as an Operations Specialist. He gained experience as Vice President of High Yield and Convertible Bonds at Drexel Burnham Lambert and as Vice President of Taxable Fixed Income at Jefferies & Company before returning to Merrill in 2001. His client focus includes college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, tax minimization, and retirement income. He holds a Bachelor of Arts degree in Political Science from Middlebury College and earned the Certified Investment Management Analyst® (CIMA®) designation as well as the CERTIFIED FINANCIAL PLANNER™ (CFP®) certificant. James is also a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a member of the Investments & Wealth Institute and supports community organizations including Rady Children's Hospital, San Elijo Lagoon Conservancy, Surfrider Foundation, and Sierra Club. Additionally, he participates in the Middlebury College Alumni Admissions Program. Outside of work, James enjoys biking, boating, gardening, ice hockey, music, running, skiing, and traveling.

Paul Sanit is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 40 years of industry experience. He is a key member of the HS Legacy Group, a team dedicated to providing holistic wealth management planning services tailored to affluent families. Paul's career began at E.F. Hutton's Personal Financial Planning division in New York City, where he advised the firm's affluent clients. Over the years, he has guided clients through various market cycles and significant life transitions. Paul holds a Bachelor's degree in Finance from Hofstra University and earned the Certified Plan Fiduciary Advisor® (CPFA®) designation from the National Association of Plan Advisors. As a qualified Portfolio Manager, he constructs and manages personalized investment strategies incorporating individual securities, Merrill model portfolios, and third-party investment managers. He may manage strategies on a discretionary basis through Merrill's Investment Advisory Program to align portfolio decisions with client objectives. Living in San Diego for over 30 years, Paul enjoys golf, cycling, fitness, and travel in his free time. He emphasizes understanding clients' life priorities and collaborates to create personalized financial plans designed around clients' goals and aspirations.

Patricia Pavin is a financial advisor at Merrill with 16 years of experience at the firm and nine years in the industry. She holds the Series 66 designation and is based in Rancho Santa Fe, California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeremiah Rodgers is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His background includes roles outside finance, such as working at Cross Creek Golf Club and Linfield Christian High School. 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 institutions.

David Menashe is a financial advisor with Merrill in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated and Bank of America 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Steven Adkinson is a Managing Director and Private Wealth Manager at Merrill Private Wealth Management, based in La Jolla, California. He advises ultra-affluent individuals, families, and foundations, providing personalized wealth management strategies that align with clients' long-term financial goals. Steven's approach includes creating flexible financial strategies that adapt to changing market conditions, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. Steven joined Merrill in 2008 after serving as a Senior Vice President at Morgan Stanley from 2000 to 2008. His expertise includes corporate benefits, corporate executive services, employee benefits planning, managing new wealth, and personal retirement planning. He holds a Bachelor's Degree from the University of California at Santa Barbara and carries the Personal Investment Advisor (PIA) designation. Beyond his professional work, Steven is actively involved in his community, serving as a board member for the Free Wheelchair Mission and Operation Homefront. In his personal time, he enjoys golfing, practicing yoga, and spending time with his family.

Dolores Serdahely is a Wealth Management Advisor at Merrill Lynch Wealth Management. Details about her professional experience, educational background, credentials, and personal interests have not been provided.

Michael Larkin is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. He has worked at Merrill since 2018 and has held prior positions at the University of Redlands, Keystone Property Management, and Palomar College. 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 plans, corporations, and charitable organizations.

David Henesey is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leverages nearly 20 years of experience in the financial services industry to help individuals, families, and corporations identify financial goals, create comprehensive wealth management plans, and execute those plans effectively. His approach emphasizes a personal touch and building relationships to support clients in achieving their objectives. David's expertise includes college education planning, executive compensation, equity compensation services, family wealth management strategies, retirement income, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, the Personal Investment Advisor designation, and FINRA Series 7 and 66 registrations. He earned a Bachelor of Arts degree from Rollins College and an MBA from Babson College. Originally from the Boston area, David now resides in San Diego with his wife and two children. Outside of his professional work, he enjoys golfing, skiing, and spending time with his family.

Jennifer Perkinson is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. She joined the firm in 2006 and is a senior partner with the VCMPT Group, a 16-member financial services team. This group serves a select clientele of families, corporate executives, and entrepreneurs by providing asset management and financial guidance. The team collaborates with Bank of America to offer clients integrated personal and commercial banking, lending solutions, and customized wealth planning, enabling comprehensive support through a single point of contact. Jennifer began her advising career in 1996. She earned a Bachelor of Science degree in Biology from Bob Jones University (BJU) and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Certified Private Wealth Advisor (CPWA). She has also completed executive education programs at Wharton, Yale School of Management, and Chicago Booth School of Business. Jennifer focuses on areas such as legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Residing in Encinitas with her husband and two sons, Jennifer's personal interests include exercising, gardening, cooking, and travel. She is involved in philanthropy through the team's donor-advised fund and her own. Jennifer previously served on the board of the Rancho Santa Fe Garden Club and currently participates in Bank of America's Community Volunteer Network and the LEAD for Women Board. She also volunteers with her son's schools.

Lisa Pacheco is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role she has held since 2018. She works closely with women business owners, corporate executives, and individuals experiencing significant financial transitions such as retirement, divorce, career changes, or the loss of a spouse. Lisa specializes in creating customized wealth management, retirement, education, and investment strategies to help her clients preserve, manage, and grow their wealth over time. With over 20 years of experience in financial services, Lisa previously spent 14 years in corporate management and financial consulting. She holds the CERTIFIED FINANCIAL PLANNER® certification, the Certified Divorce Financial Analyst® (CDFA®) designation, and the Personal Investment Advisor (PIA) designation. Lisa earned a Bachelor of Science degree in Management Science from the University of California, San Diego, and an MBA from the University of California, Irvine's Paul Merage School of Business. Outside of her professional responsibilities, Lisa enjoys spending time with her family, attending her son’s soccer games, participating in women's business organizations, playing soccer, mountain biking, and traveling. She is also involved with community organizations such as Guide Dogs of the Desert, Paul Merage School of Business, and Poinsettia Elementary.

Michael Steelman is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in investing and wealth management. He serves an accomplished clientele that includes business owners, company founders, senior executives, and their families, assisting them in pursuing their life goals with a purposeful approach to their wealth, careers, and legacies. Michael's expertise extends to areas such as corporate executive services, executive and equity compensation, family wealth management strategies, philanthropic planning, and serving clients in sports and entertainment. Michael began his career in New York City in 1994, focusing on developing and implementing financial strategies for institutional and high-net-worth individuals, families, and foundations. He has also raised capital for hedge fund and private equity firms. He holds the Certified Investment Management Analyst (CIMA) designation awarded by the Investments & Wealth Institute in conjunction with the University of Pennsylvania's Wharton School, and earned his Bachelor's degree in International Business from King's College in Pennsylvania, where he was an Academic-All-American wrestler. Within his community, Michael is a member of the CFO Roundtable and supports organizations such as First Step House of North County and the Challenged Athletes Foundation. He lives in Carlsbad with his wife Stephanie and their five children. In his free time, he enjoys running, surfing, practicing yoga, coaching his children's sports teams, and is actively involved in the triathlon community as a two-time Ironman finisher.

Eric Aguirre is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in providing comprehensive wealth management strategies tailored to senior corporate executives, business owners, and professional athletes. Eric focuses on helping clients anticipate key decision points, unify various aspects of their wealth, and implement disciplined financial decision-making. His expertise includes pre- and post-IPO strategies, 10b5-1 trading plan design and administration, stock option analysis, liquidity management, and private-business sales. He also offers a tax-sensitive approach to wealth creation, next-generation wealth transfer, and philanthropic planning. Eric began his career at Merrill Lynch Wealth Management in 2006 and joined Merrill's advisory division in 2012. He holds several professional designations including the Certified Private Wealth Advisor® (CPWA®), Certified Equity Professional (CEP), Equity Plan Consultant (EPC), Personal Investment Advisor (PIA), and the Sports & Entertainment (SE) designations. Eric earned a Bachelor of Science degree in Finance and Entrepreneurship from the University of Arizona. His previous experience includes working as an equity research analyst and assisting companies with corporate equity compensation plans. Outside of his professional responsibilities, Eric is actively involved in community organizations such as the National Center for Employee Ownership, the National Association of Stock Plan Professionals, and the Guillain-Barré Foundation. He resides in Carlsbad with his wife Chelsea and their two sons. In his free time, Eric enjoys coaching football and baseball teams, playing golf, and traveling to tropical destinations.

Lisa Miller is a financial advisor at Merrill with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2015 and at Bank of America, N.A. since 2017. Prior to her financial services career, she was involved with Core Power Yoga for five years. Merrill serves a wide range of clients including individuals, retirement plans, corporations, and institutional clients. The firm offers managed account programs, discretionary portfolio management, and brokerage services, supported by integrated banking and capital markets capabilities through its affiliation with Bank of America.

Kristina Klamer is a financial advisor at Merrill with 10 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2019, following nine years at Bank of America NA. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Deane Curtiss is a Wealth Management Advisor with over 30 years of experience in the financial services industry. He works with individuals and companies to understand their financial goals and implement strategies that align with their objectives. Deane specializes in areas such as college education planning, family wealth management strategies, LGBT wealth planning, liquidity management, retirement planning, portfolio management, tax minimization, and retirement income. Deane holds a Bachelor's Degree from Babson College and is a Personal Investment Advisor (PIA). He operates within Merrill Lynch Wealth Management, leveraging the resources and investment insights of Merrill and the banking solutions of Bank of America to provide clients with tailored wealth management strategies. Deane emphasizes a personalized approach, working one-on-one with clients to develop financial plans designed to pursue their long-term goals. In addition to his professional work, Deane is actively involved in his community through volunteering. His personal interests include cooking, fishing, hiking, running, spending time with family, table tennis, and tennis.

Russel Upton is a Wealth Management Advisor with over 24 years of experience serving wealthy families and institutional investors across the United States, including in the metropolitan areas of Los Angeles, New York, San Diego, and San Francisco. He represents Merrill Lynch Wealth Management and directs financial strategy, asset allocation, manager evaluation, and liability management for senior business executives as well as select clients in the entertainment, sports, legal, and technology sectors. His practice includes a broad range of wealth management services for high-net-worth and ultra-high-net-worth clients, such as trust and estate planning management, cash management, single and restricted stock risk management, retirement planning, aviation, art and marine lending, derivatives trading, and alternative investments. Mr. Upton holds multiple professional designations, including the Certified Private Wealth Advisor® certification administered by the Investments & Wealth Institute in conjunction with The University of Chicago Booth School of Business, and the Sports & Entertainment Accredited Wealth Management Advisor™ certification, administered by the College for Financial Planning Institutes Corp. He also holds the Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. Russel earned both his Bachelor of Science degree and Master of Business Administration from the College of Business and Economics at California State University, Northridge, and has completed an Accredited Certificate Program from the University of Chicago. Prior to his current role, Russel served as Senior Vice President for U.S. Trust (now Bank of America Private Bank) and City National Bank in Los Angeles and San Diego, and worked in the entertainment industry as Manager of Finance for New Regency Productions and Senior Accountant for Morgan Creek Productions in Los Angeles. His community involvement has included serving on the Board of Directors and as Trustee for the San Diego Zoo Foundation Board, the San Diego Sports Commission Board, and the San Diego Opera Board.