Lela Bayley is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing nearly four decades of experience to her clients. Since beginning her career at Merrill in 1983, she has developed long-term relationships with multiple generations of families, guiding them through their financial education, goals, and challenges. Her approach involves a disciplined process that considers each client’s full financial picture alongside their personal values, risk tolerance, and investment objectives. Lela collaborates closely with clients to establish and regularly review personalized wealth management strategies that adapt to life changes and evolving market conditions. Her areas of expertise include college education planning, family wealth management, legacy and retirement planning, ESG investing, socially responsible investments, special needs planning, and women and wealth. Lela holds a Bachelor's Degree from the California State University System and carries the Personal Investment Advisor (PIA) professional designation. She has also contributed to the Crocker Art Museum’s Art Auction Committee. An active member of her community, she volunteers with organizations including the Salvation Army, Sacramento Children’s Home, and Homeward Bound. Lela lives in Land Park and participates in cycling, art, civic organizations, and various philanthropic groups.

Sun Montano is a financial advisor at Merrill with 12 years at the firm and four years of industry experience. He holds a Series 66 designation. Outside of Merrill, he is employed part-time at All Asset Property Management, where he performs data entry and administrative tasks. 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, pension plans, corporations, and charitable organizations.

David Milligan Jr. is a Wealth Management Advisor and principal of The Deelstra Group at Merrill Lynch Wealth Management. He holds the CERTIFIED FINANCIAL PLANNER™ certification and the Retirement Income Certified Professional® designation. David focuses on helping clients establish and execute a disciplined approach to retirement planning, providing access to Merrill's investment insights and the banking services of Bank of America. David works closely with clients, including business owners, executives, professionals, and multigenerational families, to discern their objectives and design cohesive strategies tailored to their financial goals. His expertise encompasses retirement readiness, cash flow management, aligning investments with time horizons, and mitigating retirement risks. He emphasizes a thorough process and transparent system to match investments to client goals and manages his team's efforts to ensure consistent performance. David earned his Bachelor's degree in Business Administration, Summa Cum Laude, from California State University Monterey Bay. Prior to his current role at Merrill Lynch, he served as the Head Golf Professional at Bayonet Black Horse Golf Course. David enjoys golfing and spends time with his family, including coaching his twin boys in Little League.

Terry Ward is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Merrill Lynch since 2010 and has also worked at Bank of America, N.A. since 2011. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Daniel Giese is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Bank of America, N.A. since 2021 and has been with Merrill since 2020. Outside of his financial career, he has been involved with Airbnb since 2017. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lindsey Lund is a financial advisor at Merrill with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2020, previously spending five years at John Hancock Retirement Plan Services and four years at John Hancock Distributors LLC. 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.

Joseph Yoon is a financial advisor with Merrill, holding a Series 66 designation and 26 years of industry experience. He has worked at Merrill since 2006 and is also affiliated with Bank of America, N.A. where he has been since 2017. 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 teams and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Kimura is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Sacramento, California. He has been working with Merrill since 1999, bringing over 23 years of experience in helping clients manage new wealth, retirement planning, and retirement income strategies. Kevin emphasizes developing personalized financial strategies tailored to clients' long-term goals while adapting to changing market conditions. Kevin holds a Bachelor's Degree from Pacific Union College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He aligns with the Merrill tradition of community involvement and volunteers with local organizations. Outside of work, Kevin enjoys camping, fishing, gardening, and spending time with his family.

Romer Blanquera is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with Merrill Lynch, Pierce, Fenner & Smith since 2007. Prior to that, he was associated with Bank of America, N.A. 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, pension plans, corporations, and charitable organizations.

Robert Moore II is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 designation and nine years of industry experience. He has worked at Bank of America, Merrill, Golden 1 Credit Union, various insurance carriers, and Waddell & Reed, Inc. since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Castillo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He returned to the financial services industry in 2017 following a 22-year career with the Federal Bureau of Investigation and serves clients from his office in Sacramento. Christopher works as part of a larger team focusing on retail and small business clients, providing services Monday through Friday with availability for Saturday appointments for busy professionals. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christopher specializes in addressing the unique financial needs of business owners, executives, and high net worth families. His expertise includes portfolio management, individual and corporate investment strategy, executive compensation, and retirement planning. He utilizes the resources of Merrill Lynch Wealth Management and Bank of America to assist clients in building wealth. Christopher earned a Bachelor's Degree in Mathematics from the University of California. He is a member of several professional organizations such as the Marine Corps League, Rotary Club of Fair Oaks, Society of Former Special Agents of the Federal Bureau of Investigation, and Veterans of Foreign Wars in Folsom, CA. His community involvement includes participation with the Best Friends Animal Society and Rotary Fair Oaks. Christopher speaks English and Spanish.

Steven Deelstra is a Wealth Management Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management, where he is a principal of The Deelstra Group. Drawing on the group’s longstanding history since 1974, Steven and his team provide wealth management services focused on asset management and estate planning for individuals and corporations across the United States and Western Europe. He manages personalized and defined investment strategies on a discretionary basis, incorporating individual securities, model portfolios, and third-party strategies. Steven joined Merrill Lynch Wealth Management in 2001. Prior to that, he worked in business development and mergers and acquisitions for a publicly traded internet search company in Seattle. He holds a Bachelor’s degree from Loyola Marymount University and is a graduate of Jesuit High School in Sacramento. Steven is also a Certified Financial Planner (CFP) and a Personal Investment Advisor. He volunteers as a mentor within the CFP Board Mentoring Program. Outside of his professional role, Steven and his wife, Sarah, are involved in supporting nonprofit organizations within their community. He enjoys skiing, cycling, painting, and surfing, and spends time attending his children’s athletic activities.

John Matzoll is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their individual goals and the evolving market conditions. His approach integrates the investment insights of Merrill and the banking and lending resources of Bank of America to deliver comprehensive wealth management solutions. John holds several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree from the University of Nevada - Reno and a Master's Degree from the University of California, Davis. In addition to his professional work, John is engaged in community service and dedicates time to volunteering with organizations in the communities he serves, reflecting the Merrill tradition of active community participation.

Chandler Lenkey is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping professionals navigate complex financial decisions as their lives and careers evolve. His approach focuses on bringing clarity and coordination to clients' financial landscapes, emphasizing structure and long-term confidence over short-term outcomes. Chandler works with clients on areas including family wealth management strategies, employee financial health, managing new wealth, personal retirement planning, tax minimization, and retirement income. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. His educational background includes a Bachelor's degree from the California State University System as well as studies at Università Cattolica del Sacro Cuore. Beyond his professional work, Chandler is involved with organizations such as Sacramento Metro Edge and The Salvation Army, and he participates in community efforts with Habitat for Humanity and The Salvation Army. His personal interests include basketball, camping, cooking, fishing, football, golfing, hiking, reading, spending time with family, and traveling.

Andrew Cloninger is a Sales Manager and Wealth Management Advisor with Merrill Lynch Wealth Management, based in Sacramento, California. He has been with Merrill Lynch Wealth Management for 28 years and holds the title of Senior Vice President. In his role, he focuses on wealth management strategies tailored to wealthy individuals and families, small and medium-sized businesses, and senior executives of publicly traded companies. As a Portfolio Manager, he manages personalized investment strategies that may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment solutions. Mr. Cloninger holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and is also a Personal Investment Advisor (PIA). He earned his high school diploma from John F. Kennedy Senior High School in Sacramento, California, and completed his bachelor's degree at Cal Poly San Luis Obispo. His areas of focus include college education planning, executive compensation, equity compensation services, family wealth management, retirement income, tax minimization, and portfolio management. Outside of his professional work, Andrew Cloninger participates in community volunteering and has personal interests that include cooking, hiking, music, photography, soccer, and traveling. He lives in Sacramento with his three grown children.

Henna Nazari is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Her prior roles include positions at Fidelity Investments and Bank of America, N.A. 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.

Michael Joseph is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Special Needs Team. Based in Modesto, he serves clients in the Greater Sacramento area and throughout Northern California. Michael applies over 10 years of experience to provide individualized financial guidance, working closely with business owners, professional fiduciaries, trust attorneys, and non-profit organizations to help them navigate complex financial landscapes and pursue their long-term goals. He holds the Chartered Retirement Planning Counselor™ (CRPC™) certification and the Personal Investment Advisor (PIA) designation. Michael earned a Bachelor's degree with a double concentration in operations and finance from California State University, Stanislaus. His expertise includes retirement planning, portfolio management, special needs planning strategies, services for endowments and non-profits, and retirement income planning. Michael and his team were recognized on Forbes' "Best-in-State Wealth Management Teams" list for 2023 and 2024. Outside of his professional role, Michael is involved with local community organizations, including his local church and the Salvation Army. He enjoys boating, camping, golfing, and skiing, and values balancing his career with personal interests and family life.

Catherine Crossley is a financial advisor with Merrill in Sacramento, CA, holding a Series 66 license and six years of industry experience. She previously worked at Meadowood Resorts and WestAmerica Bank before joining Merrill and Bank of America in 2019. Outside of her advisory role, she is involved as a general partner and managing member of Sky High Drone Services LLC, which provides drone imaging services, and volunteers with First Step Communities, a nonprofit supporting interim housing and emergency shelter for people experiencing homelessness. 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.

Katie Kelly is a financial advisor with Merrill in Sacramento, CA, holding Series 63 and Series 66 licenses and with 14 years of industry experience. She has worked at Merrill since 2014. 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 and profit-sharing plans, corporations, and charitable organizations.

Tan Vo is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2020 and previously held positions at Libert Home Equity Solution and Wells Fargo Bank. Outside of finance, he has experience in homemaking. 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.