Janece Callahan is a financial advisor at Merrill with 26 years of industry experience. She has been with Merrill since 1992 and holds a Series 63 designation. 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.

Michele Rizzuto is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. She works with accomplished individuals and families to provide disciplined portfolio strategy and thoughtful planning geared toward long-term clarity, confidence, and legacy. Michele's approach as a Senior Portfolio Advisor includes managing discretionary custom investment strategies and selecting from a range of Merrill model and third-party investment portfolios. Michele's client focus areas include college education planning, family wealth management strategies, LGBT wealth planning, personal retirement planning, small business strategies, women and wealth, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. She holds the Personal Investment Advisor (PIA) designation and earned her high school diploma from Melbourne High School. Outside of her professional practice at Baker Rizzuto & Associates Wealth Management, Michele is involved with several organizations, including the International Woman's Flag Football Association, the American Cancer Society, Build Bright Foundation INC, and St Jude Children's Research Hospital. Her personal interests include basketball, biking, boating, football, hiking, pickleball, spending time with family, tennis, traveling, and yoga.

Robert Dow is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been providing financial and wealth management advice since 1996. Robert leads The Dow Wealth Management Group, which focuses on assisting successful business owners of closely-held companies with wealth management related to exit planning, legacy preservation, and family wealth maximization. Robert’s areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He holds multiple professional designations including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He earned his Bachelor of Science degree in Marine Engineering Technology from Maine Maritime Academy. Outside of his professional responsibilities, Robert volunteers as a cabin leader at Camp Agawam, supporting underprivileged boys in Maine during the summer. He is also involved with Chaine des Rotisseurs and Team Rubicon. His personal interests include adventure sports, billiards, chess, golf, reading, scuba diving, spending time with his family, and traveling.

Mitch Herold is a Senior Financial Advisor with Merrill Lynch Wealth Management in Rockledge, Florida. He began his career in financial services in 2011 and joined Merrill Lynch in 2019. Mitch focuses on serving entrepreneurs, athletes, business owners, and their families, assisting them in defining their financial goals and understanding how market reactions may impact their path toward those objectives. He takes a planning-first approach centered on each client's unique goals and priorities to develop customized retirement and wealth strategies. Mitch holds a Bachelor's degree in Business Management from the University of Central Florida. He is a Chartered Financial Consultant (ChFC) and a CERTIFIED FINANCIAL PLANNER (CFP) certificant. Additionally, he holds FINRA Series 7, 65, and 66 registrations. His expertise includes college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, and small business strategies. Outside of his professional role, Mitch is actively involved in his community, including participation in organizations such as Action Church and youth baseball programs. He and his wife, Lindsey, reside in Oviedo, Florida with their two children. His personal interests include golf, hunting, fishing, baseball, football, music, and spending time with his family.

Joseph Pickrell is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 20 years of experience in the financial services industry, focusing on areas such as college education planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Joseph holds a Bachelor of Science degree from Daniel Webster College in Aviation. He served in the New Hampshire Air National Guard for 12 years as an aircraft mechanic. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Born and raised in Portland, Maine, Joseph has lived in Florida for 26 years. He has two children, twins named Kristen and Joseph. His personal interests include billiards, dancing, drawing/sketching, fishing, football, music, spending time with his family, swimming, volleyball, and watching movies. He also plays the drums and enjoys traveling, especially cruising.

Erin Van Haasteren is a Series 66 licensed financial advisor at Merrill with 10 years of experience at the firm and 6 years in the industry. She is based in Rockledge, FL. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eusef Malik is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He previously worked at Truist Bank and SouthState Bank. Malik serves as a board member for Space Coast Habitat for Humanity, a nonprofit focused on building affordable homes with volunteer participation. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mathew Mckelvey is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in providing tailored financial advice to private business owners, affluent families, and individuals. He focuses on a goals-based approach to create customized strategies designed to perpetuate wealth, support philanthropic desires, and pursue legacy goals. Mathew begins every client relationship by exploring what is most important in their lives to gain a thorough understanding of their resources, lifestyle, family, goals, and business, standing alongside clients to align recommendations with their real-world objectives. Mathew earned his Bachelor's degree from Keiser University and holds the Chartered Financial Consultant (ChFC) designation as well as a Personal Investment Advisor (PIA) accreditation. He moved to Brevard County from New York in 1993 and currently resides in Viera, Florida, with his wife, Jessica, and their four children. He is involved in the community as a member of the Rockledge Rotary Club and serves on the board of directors for organizations including Family Promise of Brevard. Outside of his professional responsibilities, Mathew enjoys spending time with his family, traveling, barbecuing with friends, and following college football. He is also involved with local groups such as Family Promise of Brevard, Rockledge High School, Rotary, and Viera Little League.

Ashton Young is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he assists clients in developing strategies to pursue their short-, mid-, and long-term financial goals. Ashton provides guidance on a range of financial matters, including general investing, retirement planning, and saving for unforeseen events. Additionally, he connects clients to Bank of America specialists for services related to banking, credit, home financing, and small business solutions. Ashton holds a Bachelor's Degree from the University of North Florida. He is certified as a CERTIFIED FINANCIAL PLANNER (CFP), a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His approach involves understanding what matters to clients and their families to create personalized financial strategies. He works closely with clients to discuss their goals, concerns, and questions, providing ongoing advice and guidance as their needs evolve.

Joyce Goff is a financial advisor with Merrill in Rockledge, Florida, holding a Series 66 designation and 33 years of industry experience. She has been with Merrill since 1995. 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, retirement plans, corporations, and charitable organizations.

Tyler Lawrence serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He emphasizes a disciplined approach that begins by understanding each client’s financial situation, family, and priorities. Tyler’s practice focuses on delivering personalized service in areas including equity compensation services, family wealth management strategies, personal retirement planning, portfolio management, small business strategies, and retirement income planning. With a Bachelor's Degree from the University of Central Florida and the professional designation of Personal Investment Advisor (PIA), Tyler applies his expertise to help clients take control of their financial future. He utilizes tools like the Merrill Personal Wealth Analysis® to assist clients in forecasting income and expenses under varying market conditions and economic factors. His team provides support in tax mitigation strategies, private placements, equity compensation plan diversification, 401(k) and IRA optimization, and cash flow management. Tyler has spent his entire life on Florida’s Space Coast, where he and his family live close to the ocean. Outside of work, he enjoys golfing, music, surfing, traveling, and spending time with his family. He values being part of the local community and serving those who also call the Space Coast home.

Robert Yahney is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he works closely with individuals, families, executives, and small to mid-sized businesses to connect various aspects of their financial lives. Robert assists clients in understanding their financial situation, risk tolerance, time horizon, and liquidity needs to help them prioritize and pursue their short- and long-term goals. With 23 years in the financial services industry, Robert joined Merrill Lynch Wealth Management in 1998. He applies his experience by combining personalized service with investment insights from Merrill and banking access through Bank of America. Robert holds a Bachelor of Arts degree from the University of Florida and an MBA in Finance from Barry University. His professional designations include Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA).

Craig Hoelzer is a financial advisor at Merrill with Series 63, 65, and 66 licenses and 43 years of industry experience. He has worked at Merrill since 2010 and Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a trustee for a family trust. 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 a range of clients including individuals, high-net-worth clients, and institutional entities.

Charlie Rossetter III is a financial advisor with Merrill, holding a Series 66 designation and over 31 years of industry experience. He has been with Merrill since 1994 and has worked at Bank of America, N.A. since 2011. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Randall Coleman is a Wealth Management Advisor based in the Rockledge, Florida Merrill Lynch Wealth Management office. Since joining Merrill Lynch Wealth Management in 1994, he has worked with clients and their professional advisors to develop comprehensive wealth management strategies tailored to individual and family financial objectives. His client focus areas include family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management, tax minimization, and retirement income. Randall earned a Bachelor of Science degree in Accounting from the University of Central Florida and maintains his CPA certification in Florida. Although he does not provide tax advice in his role at Merrill Lynch, his accounting background supports his ability to assist clients and their advisors with complex taxation, wealth transfer, and estate planning matters. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and the Personal Investment Advisor (PIA) credential. Randall participates actively in his community, serving on multiple boards such as the Brevard County Civilian-Military Relations Council, Eastern Florida State College Foundation, Friends of the Children’s Advocacy Center of Brevard, United Way of Brevard County, YMCA of Titusville Family Center, and the Jess Parrish Medical Foundation, where he currently serves as Chair Elect. He is a past president of the Titusville Sunrise Rotary and the Brevard County Estate Planning Council, among other organizations. Randall lives in Titusville, Florida, with his wife Mary and their children, and engages in activities including boating, gardening, photography, reading, traveling, volunteer event photography, guest speaking on leadership topics, and teaching Sunday School.

Jay Anderson is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he leads business management efforts for his team. He brings more than 20 years of experience in the financial services industry, offering clients personalized financial strategies that align with their risk tolerance, investment goals, and liquidity needs. Jay specializes in areas such as college education planning, family wealth management, retirement income, legacy and philanthropic planning, as well as services for endowments, foundations, and non-profits. Jay earned his Bachelor of Science degree from Jacksonville State University and holds a Master of Business Administration from Auburn University. He has obtained the Chartered Retirement Planning Counselor (CRPC) designation and is also a Personal Investment Advisor (PIA). Jay maintains a range of FINRA registrations including Series 3, 6, 7, 9, 10, 31, 63, and 65. In addition to his professional responsibilities, Jay is active in the community through Rotary International. His approach focuses on listening to clients’ goals, gathering relevant information, and providing tailored recommendations to develop long-term relationships. Jay’s expertise includes creating predictable retirement income through a strategic process involving data gathering, risk assessment, and advanced simulation tools.

Michael Welch is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides financial counsel with expertise in legacy and estate coordination, charitable giving, retirement risk management, workplace retirement plan distribution options, and tax minimization strategies. Michael focuses on areas including corporate executive services, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Michael holds a Bachelor's Degree from the University of Florida and has earned several professional designations, including 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 is bilingual in English and Spanish. Michael has been recognized on the 2025 Forbes "Best-in-State Wealth Advisors" list and as a member of the McGee Welch & Associates team on the Forbes "Best-in-State Wealth Management Teams" list from 2023 through 2026. Outside of his professional work, Michael is involved with community organizations such as Club Esteem, Junior Achievement, and Tied Together Space Coast. His personal interests include baseball, biking, cooking, fishing, football, golfing, hiking, music, soccer, and traveling.

Lindsey Herold is a Financial Advisor with Merrill Lynch Wealth Management, serving as a team financial advisor and business manager for McKelvey, Herold, and Associates. She focuses on executing the client service model and managing team operations to support sustainable growth. Her professional expertise encompasses education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, and retirement income. Lindsey holds a Bachelor's Degree and a Master's Degree from the University of Central Florida. She carries the Professional Investment Advisor (PIA) designation. She is involved professionally with the GWIM Women's Exchange and contributes to her community through involvement with The Master's Academy. Outside of her professional work, Lindsey's personal interests include baseball, basketball, boating, cooking, football, gardening, reading, spending time with her family, traveling, and volleyball.

Tracy King is a Wealth Management Advisor with Merrill Lynch Wealth Management. In her role, she collaborates one-on-one with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals. She leverages insights from Merrill and banking solutions from Bank of America to create flexible approaches suited to changing market conditions. Tracy holds a Bachelor's Degree from the University of Central Florida and holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is engaged in her community through service with her church, Rotary Club, and various community projects. Outside of work, Tracy enjoys boating, horseback riding, running, skiing, tennis, and spending time with her family.

David Stevens is a Wealth Management Advisor with Merrill Lynch Wealth Management, having joined the firm in February 2000. He began his career in the financial services industry in 1992 and specializes in understanding the priorities and needs of affluent and high-net-worth individuals and their families. David provides personalized financial strategies aimed at helping clients pursue their long-term goals, utilizing resources from Merrill Lynch and Bank of America to address various aspects of clients’ financial lives. He holds a Bachelor of Science degree in Economics, graduating Summa Cum Laude from Rollins College. David is a qualified Portfolio Manager and offers both traditional advice and discretionary portfolio management, incorporating individual securities, Merrill model portfolios, and third-party investment strategies. His professional credentials include the Certified Private Wealth Advisor® and Certified Investment Management Analyst® certifications from Investments & Wealth Institute™, awarded in partnership with the University of Chicago Booth School of Business and the Wharton School at the University of Pennsylvania. Additionally, he holds the Accredited Wealth Management Advisor, Chartered Retirement Planning Counselor, and Chartered Retirement Plans Specialist designations. David’s client focus areas include corporate executive services, family wealth management strategies, legacy planning, philanthropic planning, portfolio management, tax minimization, and services for endowments, foundations, and non-profits. Outside of his professional work, he has personal interests in golfing, music, and traveling.

Peter Mannino Jr. is a Senior Resident Director at Merrill Lynch Wealth Management and serves as President for Bank of America in East Central Florida, overseeing operations in Brevard, Volusia, and Flagler Counties. He has been with Merrill Lynch since 2005, progressing through roles including Administrative Manager and Resident Director, and currently leads the Merrill Lynch Wealth Management office in Brevard County. In addition to his leadership roles, Peter is an experienced Financial Advisor and co-leads the Bolton Mannino Group, which provides clients with personalized wealth management strategies and guidance tailored to their life goals. Peter's expertise spans banking, management, investments, financial analysis, and wealth management. His client focus areas include education planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, small business strategies, and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor of Science degree in Hospitality Management from Johnson & Wales University. Beyond his professional commitments, Peter actively participates in community organizations. He serves on the boards of the East Coast Zoological Foundation, Junior Achievement of the Space Coast, and the Melbourne Regional Chamber of Commerce. He also supports several local charitable organizations and is involved with groups such as Elevate Brevard, Neighbor Up Brevard, and JDRF. Peter enjoys football, golfing, and traveling, and is married with two children.

Marcus Utt is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works directly with clients to develop strategies aimed at pursuing their short-, mid-, and long-term financial goals. He serves as a resource for a range of financial matters including investing, retirement planning, and saving for unexpected events. Additionally, he provides access to specialists at Bank of America for banking, credit, home financing, and small business solutions. Marcus holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned his high school diploma from Edgewood High School and an Associate's Degree from Eastern Florida State. His approach involves careful listening to clients to understand their values and help them create tailored financial strategies. Outside of his professional duties, Marcus is involved with the Space Coast Chamber of Commerce.

John Griffis is a Senior Financial Advisor with The Coleman Group at the Merrill Lynch Wealth Management office in Rockledge, Florida. Since joining the team in 2014, he has been primarily responsible for implementing the team’s Goals-Based Wealth Management process, focusing on portfolio construction and modeling to tailor investment strategies to clients’ unique financial needs. With 25 years of experience in management and small business, John’s areas of expertise include family wealth management strategies, investment consulting for defined contribution plans, liquidity management, retirement planning, philanthropic planning, portfolio management services, and socially responsible investing. He holds the Personal Investment Advisor (PIA) designation. John completed his high school education at Astronaut High School and attended Auburn University without earning a degree. Outside of his professional responsibilities, he has personal interests in golfing, music, and soccer.

Stephen Buery is a Senior Financial Advisor at Merrill Lynch Wealth Management in the Merritt Island office. He has been with Merrill since 2003, providing financial and wealth management strategies to individuals, senior-level executives, business owners, non-profit institutions, endowments, and estates. His areas of expertise include divorce transition planning, family wealth management, legacy planning, philanthropic planning, retirement income, and portfolio management services. Stephen holds a Bachelor of Science degree in Aviation Business Administration from Embry-Riddle Aeronautical University and is a licensed private pilot. He has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His approach focuses on understanding clients' specific situations and goals to develop personalized financial strategies. In addition to his professional work, Stephen is involved in community service with organizations such as the Boy Scouts of America and the Community Services Council. He resides in Melbourne, Florida, with his wife and two daughters. His personal interests include golf, cycling, motorcycle riding, adventure sports, biking, camping, and rock climbing.

Edward Caulfield is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1988, bringing thirty years of experience focused on retirement and estate planning services. Edward specializes in areas such as education planning, family wealth management strategies, managing new wealth, personal retirement planning, and retirement income. He holds a Bachelor's Degree from the University of North Carolina System and has earned professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Edward emphasizes a personalized approach to wealth management, working one-on-one with clients to develop financial strategies tailored to their long-term goals. Outside of his professional activities, Edward lives in Edgewater, Florida, and is a member of the Smyrna Yacht Club. He participates in community efforts such as the Annual Beach Clean-up and supports organizations like United Way. His personal interests include biking, boating, hiking, reading, spending time with family, traveling, and watching movies.

Taylor Pitts is a Senior Financial Advisor with Merrill Lynch Wealth Management at the Brevard office. Since joining Merrill in 2014, Taylor has focused on providing clients with comprehensive wealth management strategies, including cash management, transitional services, and the construction, management, and reporting of customized investment portfolios. Their expertise also encompasses wealth preservation and transfer, estate strategies, and concentrated stock strategies. Taylor holds a Bachelor of Science degree in Business Administration from the University of Central Florida and is a Personal Investment Advisor (PIA). Taylor works with a diverse range of clients across the country, specializing in areas such as college education planning, corporate benefits, divorce transition planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, sports and entertainment, and retirement income. Outside of their professional role, Taylor is actively involved in the community through youth soccer coaching with organizations including Space Coast United Soccer Club, Port St. John Soccer Club, Holy Trinity Episcopal Academy, and Edgewood Jr. Sr. High School Soccer. They also participate in organizations like the Boy Scouts of America and the Florida Sport Fishing Association. In their free time, Taylor enjoys boating, camping, fishing, hiking, music, skiing, soccer, woodworking, traveling, and spending time with their family.

Alison Hammond is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her tenure with Merrill Lynch in September 2008 as a part-time Client Associate and has since advanced to a full-time Financial Advisor role, specializing in relationship management within a wealth management team. Alison’s expertise includes college education planning, family wealth management strategies, employee financial health, legacy planning, personal retirement planning, and socially responsible investing. She focuses on understanding her clients' life priorities to help them cultivate and preserve their wealth and create sustainable income streams. Alison holds the Personal Investment Advisor (PIA) designation. Her educational background includes attendance at the Fashion Institute of Design and Merchandising and a High School Diploma from Westlake High School. Outside of work, Alison participates in community activities such as Girl Scout Troops, and she enjoys biking, cooking, gardening, interior decorating, spending time with her family, and watching movies.

Conor McGee is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he works as part of the McGee Welch team. Their focus is on retirement planning and helping clients achieve their financial goals through investing and planning. Since joining Merrill Lynch in 2020, Conor has concentrated on areas including family wealth management strategies, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, special needs planning strategies, women and wealth, tax minimization, and retirement income. Conor has lived on the Space Coast his entire life and holds a Personal Investment Advisor (PIA) designation. He earned a High School Diploma from Melbourne Central Catholic, an Associate's Degree from Eastern Florida State College, and a Bachelor's Degree from the University of Central Florida. Outside of his professional work, Conor is active in his community as a Boy Scouts of America Scout leader and a member of the Melbourne Rotary. His personal interests include adventure sports such as biking, boating, camping, fishing, photography, rock climbing, scuba diving, skiing, and traveling.