Herbert Nichols is a financial advisor with Merrill in Reno, NV, holding Series 63 and Series 65 licenses and bringing 56 years of industry experience. He has worked at Merrill since 1992 and at 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, and various institutions.

Rolandas Banys is a Financial Advisor with Merrill Lynch Wealth Management, bringing over a decade of experience in the financial industry. He works with affluent families, business owners, and nonprofits to simplify complex financial decisions and build strategies that support long-term success. His practice focuses on managing investments, retirement planning, tax minimization, managing new wealth, legacy and family wealth management strategies, as well as small business strategies and liquidity management. Rolandas holds professional designations including Accredited Wealth Management Advisor (AWMA), Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). He earned both his Bachelor's Degree and Master of Business Administration from the University of Nevada - Reno. In his approach, Rolandas emphasizes creating disciplined, adaptable plans tailored to each client's goals, aligning resources with what matters most, and fostering confidence to maintain those plans over time. Beyond his professional role, he spends time volunteering with community organizations and enjoys interests such as basketball, football, golfing, reading, soccer, spending time with family, swimming, and traveling.

Philip Randazzo is a financial advisor with Merrill in Reno, NV, holding a Series 66 designation and 10 years of industry experience. His career includes roles at Bank of America, N.A., Merrill, and JP Morgan Chase Bank, N.A. He has worked at Merrill since 2016 in various capacities. 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.

Christopher Nichols is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1996 and holds the position of Senior Vice President. Christopher graduated from the University of Nevada, Reno in 1994. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, employee financial health, legacy planning, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher is a fourth-generation Nevadan, born and raised in Reno. He has been married for 20 years and has a daughter. He enjoys various outdoor activities such as baseball, basketball, football, golfing, hiking, hunting, ice hockey, skiing, swimming, and spending time with his family.

Jon Patacca is a Resident Director at Merrill Lynch Wealth Management, where he has been serving clients since 2015. He has been working in the financial services industry since 2001. Jon specializes in assisting families and individuals to identify and prioritize their financial goals, including estate planning services, investments, tax minimization strategies, wealth transfer, and retirement income. He develops customized strategies tailored to each client's personal circumstances and strives to build trust to help optimize their financial resources. Jon holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and the Personal Investment Advisor (PIA) designation. He is registered with FINRA Series 7 and 66. He earned a bachelor's degree from Kent State University and a Master of Business Administration with a concentration in Financial Management from Pace University. Jon is a member of the Estate Planning Council of Northern Nevada and has been involved with community organizations such as the Retired Seniors Volunteer Program and Employer Support of the Guard and Reserve. Outside of his professional work, Jon enjoys activities including biking, boating, chess, cooking, gardening, golfing, hiking, photography, skiing, and spending time with his family.

Marcus Hayden is a Financial Advisor at Merrill Lynch Wealth Management in the Reno office. He focuses on building long-term relationships with clients, supporting multiple generations within families to help them plan confidently through important life stages. His expertise includes family wealth management strategies, legacy planning, liquidity management, retirement planning, portfolio management, tax minimization, and retirement income. Marcus holds a Bachelor's degree in economics and finance from Centre College. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). These credentials enable him to provide retirement-focused planning and comprehensive financial guidance. Outside of his professional work, Marcus enjoys adventure sports such as skiing and snowboarding in the Tahoe area, hiking, playing pickleball, traveling, and watching movies. He values balance in his personal life and applies that perspective to his work with clients.

Aaron Grant is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on delivering customized financial and wealth management strategies through a clear and defined process to help clients pursue their long-term financial goals. Aaron works with individuals, families, and institutions, providing expertise in areas such as family wealth management, legacy planning, retirement income, tax minimization, portfolio management, and investment strategy. Aaron holds a Bachelor’s degree in business administration with a concentration in finance and a minor in economics from St. Mary’s College. He is also a Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Since joining Merrill Lynch in 2019, he has integrated his knowledge with the firm's comprehensive wealth management and banking services. Born and raised in Saratoga, California, Aaron participates in community activities aligned with the Merrill tradition, including involvement with the Second Harvest Food Bank. His personal interests include boating, fishing, golfing, spending time with family, and traveling.

Matthew Ryan is a financial advisor with Merrill in Reno, NV, holding a Series 66 designation and with eight years of industry experience. He has worked at Merrill and Bank of America since 2018. Prior to his current roles, he was employed at MPR Satellite and Service, PG Computers, Bay Bicycles of Monterey, Inc., and Monterey Peninsula College. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Cunningham is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on developing strategies and providing advice and guidance for high-net-worth individuals, businesses, and foundations to help them meet their financial goals. Andrew's expertise includes college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, portfolio management services, small business strategies, socially responsible and values-based investing, individual and corporate investment strategy, and retirement income. He holds a Bachelor's Degree from the University of Colorado System and a Master's Degree from the University of Nevada - Reno. Andrew has earned several professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a member of the Rotary organization and participates in community involvement through Rotary.

Phillip Scott is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing 37 years of experience in guiding families through diverse economic conditions to achieve their financial goals. He specializes in executive compensation, family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. Phillip’s approach centers on understanding each client’s unique ambitions and crafting personalized wealth plans that reflect their perspectives and priorities. Phillip holds a Master’s Degree from Saint Marys and a Bachelor’s Degree from California State University Chico. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Portfolio Manager (CPM), and Personal Investment Advisor (PIA). His professional philosophy is informed by his lifelong passion for fishing and the outdoors, drawing parallels between trusted guidance in fishing and wealth management. Outside of his advisory role, Phillip is involved with community organizations such as the Boys and Girls Club, where he contributes his time and support. He is also connected to the Meals On Wheels program and the United States Tennis Association. His personal interests include fishing, golfing, hiking, hunting, and tennis.

Emma Woods is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in working with a diverse range of clients, including business owners, multigenerational families, and individuals experiencing significant life transitions. Her areas of focus include education planning, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Emma holds a Bachelor's Degree from the University of Alabama System. She has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Her approach emphasizes understanding each client's individual priorities and building long-term relationships based on trust. Originally from Reno, Nevada, Emma enjoys football, pickleball, reading, scuba diving, skiing, traveling, and watching movies. She applies a personalized and relationship-focused philosophy to her work, helping clients uncover what matters most to them and develop strategies to pursue their financial goals.

Ashley Kovich is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has worked at Bank of America and Merrill since 2014. Prior to this, she was involved with My Biz Team LLC from 2017 to 2018. 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 and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Kenneth Lutz Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2014, he has focused on implementing a planning-based approach that prioritizes clients' personal and financial concerns. He works to help clients and their families feel confident about financial decisions and aims to educate them on contributing to long-term financial success. Ken began his financial services career in 2010 at Bank of America, where he advanced into management positions. He has expertise in identifying opportunities in business, residential, and securities-based lending and serves as a liaison to Bank of America specialists, including trust professionals and business bankers. His client focus areas include college education planning, family wealth management strategies, employee financial health, retirement planning, tax minimization, and managing new wealth. Ken holds a Bachelor's degree in Business Management and an MBA from the University of Phoenix. He also earned the Chartered Retirement Planning Counselor (CRPC) designation. He resides in Reno, Nevada with his wife, Christina, and enjoys hiking, lifting weights, and playing golf.

Daniel Woods is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management. He has been a financial advisor since 1988, beginning his career at Prudential, and later serving in management at A.G. Edwards for eleven years, where he led an integrated approach focused on growth, preservation, and protection of client wealth. Daniel is also a qualified Portfolio Advisor and holds the Personal Investment Advisor (PIA) designation. Throughout his career, Daniel has helped clients navigate various market conditions by emphasizing process, discipline, and clear communication regarding their investments. His experience allows him to assist clients at all stages, including wealth accumulation, distribution, and legacy planning, through customized financial strategies. Outside of his professional work, Daniel enjoys spending time with his wife Tracey and their three adult children. His personal interests include fitness activities such as CrossFit, pickleball, golf, skiing, and mountain biking, along with reading. He earned his high school diploma from Canyon High School.

Michael Jacobs is a Wealth Management Advisor with Merrill Lynch Wealth Management, focusing on helping families and individuals develop personalized financial strategies. Since entering the financial services industry in 2017 after graduating from the University of Nevada, Reno, Michael has specialized in complex wealth management strategies and retirement planning. His client-centric approach involves identifying and prioritizing financial goals, including estate planning, investments, tax minimization, wealth transfer, and retirement income, to create tailored plans that fit each client’s unique circumstances. Michael holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) credential, and the Personal Investment Advisor (PIA) designation. He aims to build trust with clients by working closely with them one-on-one to optimize their resources and support their long-term financial objectives. In addition to his professional work, Michael is engaged in community activities in line with Merrill’s tradition of service, and he enjoys a variety of outdoor activities such as baseball, biking, camping, fishing, football, hiking, hunting, ice skating, skiing, and spending time with his family.

Douglas Brewer is a financial advisor at Merrill with 26 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 1999, as well as at Bank of America, N.A. since 2011. Outside of his advisory role, he serves on the advisory boards of the Nevada Art Museum and Northern Nevada HOPES and manages a state contract focused on soil erosion control at Lake Tahoe. 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, and charitable organizations.

Jeffrey Jenkins is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in investment management in 2010 and has since gained extensive experience across various roles in the financial services industry. Prior to joining Merrill, Jeff worked at Goldman Sachs’ Private Wealth Management in Boston, where he managed wealth for a select group of endowments and ultra-high net worth families. He also worked in the Securities Division at Goldman Sachs in both Boston and New York City, advising hedge funds, mutual funds, endowments, and pensions on investments across Asia and Emerging Markets. Jeff started his career at Nomura Securities in New York City, where he served as vice president on the Foreign Securities Desk. Jeff's areas of expertise include investment management, liability management, estate and philanthropic planning, retirement planning, tax minimization strategies, and managing new wealth. He and his team at Merrill work with executives, families, institutions, and individuals to create bespoke plans that invest, grow, preserve, and transfer wealth according to clients' wishes, aiming to match risk to client goals and maximize tax efficiency. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and Personal Investment Advisor (PIA) credential. Jeff earned a Bachelor's Degree from the University of Utah, graduating Summa Cum Laude with an Honors B.A. He is a native of Reno, Nevada, where he lives with his wife Alyse and their three children. Outside of work, Jeff's personal interests include biking, boxing, hiking, hunting, spending time with his family, and traveling. He is also involved in the community through college rugby (A Side Locke).

Claudia Erickson is a Senior Financial Advisor at Merrill, specializing in wealth management. She works closely with clients to address their financial challenges through comprehensive planning and integrated financial strategies, focusing on education to empower clients to make informed decisions. Her areas of focus include process-driven investing aimed at minimizing portfolio volatility, full-service consulting that integrates investments into broader wealth management plans, and simplifying financial concepts for better client understanding. Claudia holds a Bachelor's Degree from the University of Phoenix and is a Personal Investment Advisor (PIA). She is fluent in English and Spanish and has experience in various facets of wealth management including retirement income planning, legacy planning, tax minimization, and services for endowments and non-profits. Her professional background includes roles at Morgan Stanley and Fidelity Investments prior to joining Merrill. Outside of her advisory role, Claudia is involved in the Reno community and has volunteered with organizations such as the Sierra Youth Football League. She has prior involvement with the Army National Guard and holds membership in professional organizations including PADI and the Utah Army National Guard. In her personal time, she enjoys activities such as cooking, football, scuba diving, swimming, traveling, volleyball, and yoga.

Brock Miller is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management based in Reno, Nevada. He holds the Chartered Retirement Planning Counselor™ (CRPC) designation as well as the Personal Investment Advisor (PIA) credential. Brock's primary focus is helping clients organize their financial lives by developing and maintaining tailored wealth management strategies based on specific financial needs, expectations, and desires. He leverages over 33 years of experience in the financial services industry along with the resources available through Merrill Lynch Wealth Management to support his clients' goals. Brock has been in the financial services industry since 1993 and became a Financial Advisor at Banc of America Investment Services Inc. in 2004, which later merged with Merrill Lynch in 2009. His prior experience as a Bank Manager for Bank of America provides him with a comprehensive understanding of his clients' financial situations to create effective financial strategies. He advises clients on the accumulation, preservation, and transfer of wealth by creating and reviewing tailored wealth management plans, practicing disciplined periodic communication to adapt to clients' evolving needs. He earned an Associate's Degree/College Diploma from Truckee Meadows. Brock participates in community volunteering inspired by Merrill's tradition of engagement in local communities. His personal interests include biking, golfing, spending time with family, table tennis, and tennis.

Katherine Keeler is a Financial Advisor at Merrill Lynch Wealth Management, where she manages a wealth management practice. She focuses on assisting retirees, individuals preparing for retirement, and those navigating newly acquired wealth, including inheritance or proceeds from business sales. Katherine's approach emphasizes simplifying complex financial decisions and fostering confidence in legacy planning and asset transfer strategies. Her areas of expertise include legacy planning, managing new wealth, and personal retirement planning. Katherine holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Her educational background includes a High School Diploma from Blue Valley Southwest, attendance at the University of Kansas without degree conferral, and an Associate's Degree from Johnson County Community College. Outside of her professional work, Katherine has personal interests in adventure sports, biking, hiking, skiing, and yoga. Her financial philosophy centers on uncovering what matters most to clients and their families to develop strategies aimed at pursuing their financial goals.

James Mcrae Christman is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2020. He has a decade of experience in the financial industry, assisting individuals and families with wealth management, cash flow enhancement, and retirement strategies. James emphasizes building strong client relationships to understand their unique goals and develop personalized financial plans. His expertise includes divorce transition planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. James holds multiple professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his education from the University of Nevada, Reno. Outside of his advisory role, James serves on the City of Reno Financial Advisory Board, contributing to municipal budget decisions aimed at enhancing community life and economic growth. His personal interests include adventure sports such as boxing, skiing, surfing, yoga, and spending time with his family.

Marie Olsen is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She has been with Merrill since 2007, working at the firm for 19 years in various capacities. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), 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 and profit-sharing plans, corporations, and charitable organizations.

Kenneth Phelps is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has worked at several firms including Bank of America and Wells Fargo. His background also includes roles outside of finance, such as positions in construction firms. 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.