Stephen Putorte is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 17 years of industry experience. He worked at Morgan Stanley for 10 years before joining Merrill in 2019. 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 managed by internal CIO teams and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Scott Pinheiro is a Senior Consultant with Merrill Lynch Wealth Management, bringing extensive experience to his role since joining the firm in 2015. He has been involved in the financial services industry since 1979. Scott holds a Bachelor of Science degree in Business Administration from Thomas Edison State University and professional designations including Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), and Certified Plan Fiduciary Advisor (CPFA) from the American College of Financial Services. Scott specializes in working with executives and retirees from major banks and insurance companies, managing client accounts typically ranging from $500,000 to $5,000,000. His expertise encompasses a disciplined financial process tailored to clients’ unique situations, including college education planning, family wealth management, retirement income, tax minimization, and socially responsible investing. As a Senior Portfolio Advisor, he also builds and manages customized investment strategies utilizing Merrill model portfolios and third-party investments. In addition to his professional work, Scott is committed to community involvement through his participation with the local Optimist Club. He resides near Princeton, New Jersey with his wife of 40 years and their Yorkshire terrier. Personal interests include cooking, fishing, golfing, reading, and traveling.

Joann Bracken is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party portfolio management teams.

Lisa Jacobs is a financial advisor with Merrill in Red Bank, NJ, holding a Series 63 designation and 26 years of industry experience. She has worked at Merrill since 2013, with a brief tenure at UBS Financial Services in 2022. 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 individual, high-net-worth, and institutional clients.

Michael Remey is a Wealth Management Advisor with Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional who specializes in tailoring investment and advanced planning strategies to help clients achieve their life goals and objectives in business and retirement. Michael focuses on clients’ needs throughout both the accumulation and distribution phases of retirement, developing financial strategies that align with their individual circumstances. His areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, individual and corporate investment strategy, and tax minimization. Michael holds a bachelor's degree from Colgate University, where he concentrated in economics and studied abroad in Russia. He also holds the designations Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). Outside of his professional work, Michael is involved in his community as a soccer coach with the Middletown Soccer Club. He enjoys golfing, skiing, hiking, ice hockey, running, tennis, and spending time with his family. Michael and his wife, Aimee, live in Rumson, NJ, with their three children.

Patrick Preston is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has developed expertise in creating personalized financial strategies that address the complex needs of individuals, families, and businesses. Patrick emphasizes a client-centered approach, aligning his services with the principle that "the client's needs come first." He collaborates with a team of specialists and coordinates with clients' attorneys and accountants to integrate investment management with tax minimization, wealth transfer, and estate planning. Patrick joined Merrill Lynch Wealth Management in 1991 after earning his bachelor's degree from the University of North Carolina at Greensboro, where he was a student-athlete on the men’s soccer team. He was promoted to Resident Director of the Freehold office in recognition of his client commitment and service delivery. Patrick holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Freehold with his three children, Patrick actively contributes to the community through board memberships and volunteer work with organizations such as the YMCA of Western Monmouth, Graeme Preston Foundation for Life, Freehold Soccer League, and the Lake Topanemus Park Commission. His personal interests include gardening, golfing, traveling, and spending time with his family.

Jennifer Noone is a Senior Financial Advisor with The Noone Group at Merrill Lynch Wealth Management. In her role, she focuses on managing client relationships and acquiring new clients. Jennifer emphasizes the importance of building strong relationships with clients based on understanding, clear communication, and mutual respect. Her passion for financial planning is influenced by a family connection to wealth management, and she is motivated by helping individuals and families achieve their financial goals through goals-based wealth management. Jennifer holds a Bachelor of Arts degree in Psychology and Mathematics, as well as an MBA in Entrepreneurship, both from Syracuse University. She holds FINRA Series 7, 63, and 66 registrations, is licensed in life insurance, and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is actively involved in community service, volunteering with the American Cancer Society and the Boomer Esiason Foundation. Jennifer has chaired and co-chaired the Monmouth County Cancer Ball, New Jersey's largest charitable black tie event for the American Cancer Society, and has been recognized as an honoree at the American Cancer Society Jersey Shore Golf Classic. Her work in the community reflects the Merrill tradition of service to the communities they serve.

Michael Noone Jr. is a financial advisor at Merrill with 17 years of industry experience and holds a Series 66 designation. His work history includes roles at Morgan Stanley and its Private Bank, as well as Bank of America. No additional outside activities were noted. 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, and institutional investors.

Louis Gorini is a Financial Advisor with Merrill Lynch Wealth Management, focusing on delivering tailored financial guidance to individuals and families. He collaborates closely with clients to define their goals and develop portfolio strategies aimed at achieving those objectives, providing ongoing advice and adapting plans as circumstances evolve. With expertise in areas including college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, and personal retirement planning, Louis supports clients through the complexities of wealth management. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Seton Hall University. Louis resides in Monmouth County and is engaged in his community. His personal interests include baseball, basketball, bowling, cooking, football, pickleball, spending time with his family, traveling, and watching movies.

Valbona Capri is a Wealth Management Advisor with Merrill Lynch Wealth Management. She specializes in providing tailored financial guidance and wealth management solutions for women, professional athletes, entertainers, and non-profit organizations. Valbona's approach centers on personalized financial planning, focusing on family wealth management strategies, philanthropic planning, small business strategies, and socially responsible investing, including ESG investing. Valbona holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, the Chartered Retirement Planning Counselor™ (CRPC™) designation, the Personal Investment Advisor (PIA) designation, and the Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™) certification. She earned her bachelor's degree from St. John's University. Valbona is involved with professional organizations such as the Certified Financial Planner, Cherie Blair Foundation Mentoring, the National Association of Women Business Owners, NexGen Leadership Council, Sports & Entertainment Accredited Wealth Management Advisor, and the Women's Exchange at Merrill. Outside of her advisory role, Valbona actively participates in community initiatives, including the Cherie Blair Foundation, FulFill Food Bank, Girl Scouts of the Jersey Shore, and serves as a volunteer coach for Manalapan Recreation. She has served as a guest lecturer at Rutgers University on portfolio theory and mentors women entrepreneurs domestically and internationally. As a fitness advocate, she engages in endurance challenges such as marathons, triathlons, and obstacle course races, and enjoys sports including golf, basketball, beach volleyball, and softball.

Colin Hollingsworth is a Senior Financial Advisor based in Red Bank, New Jersey. He began his career as a Financial Advisor in 2018 and transitioned his practice to Merrill in 2023. Born and raised in Monmouth County, Colin serves corporate executives, business owners, and families, assisting them in growing and structuring their wealth. His approach emphasizes teamwork, collaborating with specialists throughout Bank of America and Merrill to provide clients with multiple perspectives, identify gaps and efficiencies in wealth management, and develop customized strategies to address the complexities of their financial situations. Colin's expertise includes college education planning, family wealth management strategies, legacy planning, personal retirement planning, and tax minimization. Colin earned his bachelor's degree from Rutgers, The State University of New Jersey in 2018 and is a first-generation college graduate who worked full time during his studies. He holds multiple professional credentials, including the Certified Financial Planner (CFP) certification and the Certified Plan Fiduciary Advisor (CPFA) designation. He is a member of Business Network International and is involved with the Alzheimer's Association. Colin and his partner, Carly, reside in Monmouth County with their son, Jack.

Joseph Rosen is a financial advisor with Merrill in Red Bank, NJ. He holds a Series 66 designation and has one year of industry experience. His prior work experience includes roles at Bank of America, Lululemon, Seamless Contacts, Warby Parker, and M&T Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Nicholas Chiarella is a financial advisor at Merrill with 8 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2013. 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 strategies for individuals, high-net-worth clients, and various organizational plans.

Tracy Buik is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been in the financial services industry since 1985, working for several large firms before joining Merrill Lynch in 2015. Over her career, Tracy has worked with a diverse range of clients, providing her with the experience to address a wide variety of client needs. Her areas of focus include managing new wealth, portfolio management services, and tax minimization. Tracy holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma/GED from Cranford High School. Outside of her professional role, she enjoys gardening, traveling, reading, and spending time with her family.

Michael Johnson is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2017. Johnson also serves as a trustee of the Ridgewood High School Alumni Association, where he is involved in marketing and strategic planning. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional investors by offering managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes manager selection and monitoring, with tax-focused capabilities and integration with Bank of America’s broader financial platform.

Anthony Gencarelli is a Financial Advisor at Merrill Lynch Wealth Management. He works with clients to provide financial planning and investment management services. Details about his specific areas of expertise, years of experience, educational background, credentials, personal interests, or community involvement have not been provided.

Michael Donato is a Financial Advisor with Merrill Lynch Wealth Management in Red Bank, New Jersey. He works with individuals, families, and business owners to help them understand their financial lives and develop personalized strategies aligned with their goals. Michael focuses on building long-term relationships grounded in communication, accessibility, and trust, aiming to explain complex financial topics clearly so clients can make informed decisions with confidence. Before entering the financial services industry, Michael spent more than a decade in hospitality, including serving as an executive chef and helping open restaurants throughout Monmouth County. He also spent a year living and working in Italy, which shaped the discipline, attention to detail, and commitment to service he brings to his advisory role. Michael earned a degree in Corporate Finance from Rutgers University and holds Series 7 and Series 66 registrations, Life and Health Insurance licenses, and the Personal Investment Advisor (PIA) designation. He remains committed to his professional development while leveraging the resources available through Merrill and Bank of America. A lifelong Monmouth County resident, Michael is passionate about staying connected to his community and supporting local organizations and charitable initiatives. Outside of work, he enjoys golf, tennis, hiking, snowboarding, and spending time along the Jersey Shore with family and friends.

Daniel Howard is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2013, bringing nearly a decade of experience consulting clients on the planning, design, and acquisition of commercial buildings prior to his current role. Daniel's work centers on client onboarding and developing tailored financial strategies for individuals, families, and businesses. His areas of focus include education planning, equity compensation services, retirement income planning, portfolio management, and both individual and corporate investment strategies. Daniel holds the designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's degree in Business Administration with a concentration in Finance, graduating Magna Cum Laude from Liberty University. Daniel resides in Hoboken, New Jersey with his wife, Angela. Outside of work, he enjoys a variety of sports including baseball, football, golf, ice hockey, and soccer, as well as fishing, reading, traveling, yoga, and spending time with his family.

Kevin Cullen is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 2007. He specializes in creating investment plans tailored to individual client needs and offers services including wealth forecasting analysis, options and income strategies, hedging and tax minimization strategies, portfolio management, insurance planning review, and fixed income strategies. Kevin is a qualified Portfolio Manager who manages personalized and defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. In his role, he supports clients through the firm's Investment Advisory Program, which may involve discretionary management of strategies. Kevin began his financial services career in 2000 and previously worked at another leading financial institution, including experience on the Special Situations desk as an Assistant Trader focused on complex orders from large institutional clients and broker dealers. He holds a Bachelor's degree from the W. Paul Stillman School of Business at Seton Hall University and has earned several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional activities, Kevin has participated in community and charitable organizations such as American Forests, Fulfill, and Wreaths Across America. He enjoys basketball, fishing, and golfing.

Robert Travis is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has dedicated his career to helping clients manage their wealth through personalized strategies that reflect their individual financial goals and adapt to changing market conditions. With nearly four decades of experience, he specializes in areas including managing new wealth, personal retirement planning, portfolio management, small business strategies, and both individual and corporate investment strategies. Robert focuses on guiding business owners with $5 million to $25 million EBITDA through strategic exit planning and post-sale wealth activation. He works closely with a selective group of boutique investment banks to deliver specialized expertise and facilitate transitions from passive wealth to active wealth creation via new ventures and investments. He holds a Bachelor's degree from Michigan State University and is a graduate of the Epley School of Business as a Claire Scholar. Robert also holds the Personal Investment Advisor (PIA) designation. Committed to community involvement, he volunteers with local organizations and enjoys personal interests such as biking, boating, cooking, skiing, swimming, woodworking, and spending time with his family.