Carlos Miranda is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in the Redding office. He joined Merrill Lynch in 2004 and brings a background of 16 years at UPS, including 12 years in Operations Management. This experience emphasized the importance of preparation, execution, and discipline, which he applies to his financial advisory services. Carlos earned the Chartered Retirement Planning Counselor™ (CRPC™) designation in 2008 and the Certified Plan Fiduciary Advisor (CPFA®) designation in 2025. He focuses on pre- and post-retirement planning, offering comprehensive advice including investment management, banking, and home financing services through Bank of America. Carlos works closely with clients' other professionals to develop cohesive financial strategies. He is engaged in community activities, having served as Vice-Chair and Wish Granter for the local Make-A-Wish chapter and currently participating with The Ascension Project, a nonprofit supporting athlete development. Carlos holds a High School Diploma from Maxwell High School.

Max Ruffcorn Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management in Redding, California. In his role, he assists individuals, families, and business owners with financial planning, portfolio strategy, and legacy planning. He has held this role since at least 2006, bringing a broad base of experience to his practice. He holds the Chartered Financial Analyst (CFA) and Certified Private Wealth Advisor (CPWA) designations, reflecting his commitment to fiduciary principles and technical expertise. His services encompass comprehensive wealth management including tax-efficient strategies, multigenerational wealth transfer, concentrated stock positions, executive compensation, business succession planning, estate planning strategies, retirement planning, and charitable giving. Outside of his professional work, Max is actively involved in community leadership and athletics. He serves on the Board of the Shasta Family YMCA, is a past president of Redding West Rotary, and previously served on the Board of the Shasta Library Foundation. He coaches for the University Preparatory High School Swim Team, acts as a USA Swimming official, and has completed an Ironman. Max attended Clear Lake High School and the University of California system without earning a degree. He resides in Redding with his wife and two sons and engages in adventure sports including mountain biking.

Jack Cambon is a Senior Financial Advisor and Assistant Vice President at Merrill Lynch Wealth Management. He leads a team that implements a proactive and tax-efficient investment process addressing clients' short, intermediate, and long-term retirement income needs. Jack works with a select group of professionals, business owners, retirees, and their families to bring clarity, coordination, and efficiency to their financial lives through personalized wealth management strategies. Jack's expertise includes retirement income planning and projections, investment management and portfolio construction, tax-aware strategies, 401(k) and retirement plan rollovers, estate and legacy planning coordination, insurance and risk management solutions, strategies around large stock concentration, charitable giving planning, access to private banking services, real estate and specialty lending solutions, and select alternative investment access. He began his financial services career in 2007 in private banking before moving to wealth management, where he takes a comprehensive, long-term approach with his clients. Born and raised in Redding, California, Jack holds a Bachelor's Degree from California State University, Chico and is a Personal Investment Advisor (PIA). Fluent in English and American Sign Language (ASL), he is actively involved in his community through organizations such as Habitat for Humanity, Big Brothers Big Sisters, and Rotary.

David Van Dyke serves as the Senior Resident Director at Merrill Lynch Wealth Management, where he also holds the position of Senior Financial Advisor. He has been with Merrill Lynch since 1994 and has been recognized on the Forbes "Best-in-State Wealth Advisors" list from 2020 to 2025. His professional approach centers on providing clients with individually tailored financial and wealth management strategies, emphasizing long-term relationships built through dedicated guidance and service. David advises clients on wealth accumulation, preservation, and transfer by creating customized wealth management strategies. His process-driven methodology includes portfolio development, liability management, tax minimization, and asset preservation. Key areas of his expertise include retirement planning, trust and estate planning in collaboration with family tax accountants and attorneys, design and refinement of company-sponsored 401(k) and retirement plans, individual wealth preservation, and insurance planning strategies. His client focus encompasses college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, non-profits, and defined benefit plans, investment consulting for defined contribution plans, managing new wealth, portfolio management services, and retirement income. David holds a Bachelor's Degree from Simpson University and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He was born and raised in the Redding area and participates actively in community service, working with orphanages in several Central American countries. He has served on boards such as Good News Rescue Mission, Mike Silva International, and Valley Christian Fellowship. Outside of his professional work, David enjoys billiards, chess, fishing, and spending time with his family.

Katherine Peirce is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, personal retirement planning, and women and wealth. Katherine holds a Bachelor's Degree from Simpson University and is designated as a Personal Investment Advisor (PIA). Outside of her professional work, she enjoys cooking, gardening, interior decorating, music, painting, reading, spending time with her family, and traveling.

Chad Wolcott is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1998 following a career in corporate consulting. Chad provides individualized financial and wealth management strategies, focusing on wealth accumulation, preservation, and transfer. His advisory approach emphasizes portfolio development, liability management, tax minimization, and asset preservation, with particular attention to securing a lifetime retirement income stream. His services include retirement planning, estate planning coordination, and wealth preservation through insurance planning. Chad holds a Bachelor's degree from Sacramento State University and a Master's degree from Bowling Green State University, earned in 1997. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA) and Chartered Retirement Planning Counselor (CRPC). Recognized as a member of the Van Dyke, Wolcott & Associate team named to the 2024 Forbes “Best-in-State Wealth Management Teams” list, Chad is committed to building enduring client relationships through guidance and service. Born and raised in Redding, Chad appreciates the local community and participates actively as a member of the Pathway Church of Redding. Outside of his professional role, he enjoys spending time with his wife and four children, and engages in activities such as baseball, fishing, football, reading, and traveling.

Charles Sanders is a financial advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, managing new wealth, portfolio management services, and socially responsible, values-based, and ESG investing. With over 13 years of experience, Charles applies a relationship-based approach to advising, focusing on understanding each client's unique needs and long-term financial goals. He emphasizes integrity and trust as the foundation of his client relationships, aiming to prepare clients for life's uncertainties and help them achieve optimal outcomes. Charles holds a Bachelor's Degree from Liberty University and is a Personal Investment Advisor (PIA). He is a member of Rotary International. His personal interests include baseball, camping, cooking, golfing, music, reading, spending time with family, traveling, watching movies, and writing.