William Lundquist is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his financial services career in 1981 at Norwest Bank, becoming its first financial advisor in South Dakota. Following Norwest's merger with Wells Fargo Investments, he continued to work with families across South Dakota and neighboring states to develop and implement wealth management strategies. In 2010, he joined Merrill Lynch to further serve his clients. William holds a double major bachelor's degree in Business Administration and Economics from Augustana University in Sioux Falls, South Dakota. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His areas of expertise include executive compensation, philanthropic planning, liquidity management, retirement income, and tax minimization, among others. Throughout his career, he has focused on building open relationships with individuals and families to understand their financial goals and provide comprehensive guidance. In addition to his advisory role, William is actively involved in his community. He is currently a member of the Investment Committee at Augustana University and serves on the Board of the South Dakota Children’s Home Foundation. Over the past four decades, he has contributed to various non-profit boards, including United Way, the South Dakota State Board of Tourism, South Dakota Symphony, Sioux Falls YMCA, and Augustana University Board of Trustees. William and his wife have been married for over 40 years and have three sons and five grandchildren.

Gregory Murphy is a CFP® with 26 years of industry experience, currently with Merrill in Saint Paul, MN. He has worked at Merrill since 2000 and also with Bank of America since 2009. Outside of his advisory role, he is the sole owner of a rental property business in Kihei, Hawaii. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Jonathan Yocum is a financial advisor with Merrill in Saint Paul, MN, holding a Series 66 credential and seven years of industry experience. He has worked at Bank of America and Merrill since 2019 and previously at JPB LLC from 2015 to 2019. Outside of his advisory role, he is the sole member and president of Landsvagar Farm, LLC, a small tree farm, and serves as an officer and board member of Yocum Properties, 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, offering model-based and discretionary strategies to individuals, high-net-worth clients, and institutional investors.

Heather O'connor is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been in the financial services industry since 2006 and joined Merrill in 2012. Heather's professional focus includes college education planning, corporate benefits, legacy planning, personal retirement planning, small business strategies, socially responsible and values-based investing, women and wealth, and retirement income. Heather grew up on a working dairy and crop farm in Braham, Minnesota. She earned Bachelor of Arts degrees in Anthropology and Criminal Justice along with a Certificate of Forensic Science from Hamline University in 2002. She holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Heather and her husband Patrick currently reside in Shoreview. She is a current member and former board member of Giving WoMN, a group that promotes women's leadership in philanthropy. She is also involved with Junior Achievement. In her spare time, Heather enjoys reading, walking her dog, cooking, spending time with her family, and traveling.

Natasha Zawacki is a Financial Advisor at Merrill Lynch Wealth Management. She supports clients with their various account needs as they experience all aspects of their financial lives and changing events. Natasha works to assist individuals and families navigating important financial transitions, including retirement, inheritances, career changes, and liquidity events. Natasha obtained her bachelor's degree in Marketing from St. Catherine University in Saint Paul, graduating Magna Cum Laude in 2023. She holds the Personal Investment Advisor (PIA) designation. Her client focus areas include college education planning, divorce transition planning, employee benefits planning, institutional and corporate benefit services, legacy planning, managing new wealth, philanthropic planning, women and wealth, and retirement income. In addition to her professional work, Natasha enjoys camping, hiking, pottery, spending time with her family, and traveling. She is involved with the community organization Hope House.

Nneka Constantino serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. She brings over two decades of experience in financial services, advising a diverse portfolio that includes institutions, nonprofit organizations, businesses, executives, and high-net-worth individuals. Her focus areas encompass employee benefits planning, institutional investment consulting, and wealth management strategies tailored to clients' specific goals and risk tolerances. Nneka holds a Bachelor's degree from Howard University and has pursued additional education in Japanese at Richmond College in Shizuoka, Japan, and Middlebury College. She holds several professional designations, including Certified 401(k) Professional, Certified Plan Fiduciary Advisor, Personal Investment Advisor, and Retirement Benefits Consultant. Fluent in English and Japanese, she collaborates with a team of specialists to provide clients with a broad range of financial products and services. Beyond her financial career, Nneka is actively involved in community service. She serves as a Girl Scouts Troop Leader and is a member of the Ordway Board of Directors. Her professional and community roles reflect a commitment to delivering client-focused financial guidance while engaging with the communities she serves.

William Weyandt is a Senior Financial Advisor specializing in helping individuals, families, and businesses achieve complex financial goals through comprehensive planning. He leads the Bentley|Weyandt Group, which employs robust financial modeling and analytical tools to design thorough plans supporting clients' aspirations and maximizing opportunities. Their focus includes tax-efficient strategies, retirement and income planning, legacy and estate planning, investment management, and financial strategies for families with special-needs children. Bill holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor of Science degree from the University of Minnesota System. His client services encompass college education planning, executive compensation, legacy planning, managing new wealth, retirement income, and philanthropic planning, among other areas. Born and raised in Minnesota, Bill resides in the south metro area with his wife and three children. Outside of his professional work, he enjoys spending time with family and friends, participating in outdoor activities such as fishing and camping. He is involved with organizations including Delta Waterfowl, Habitat For Humanity, and the Saint Paul Area Chamber's Ambassador Committee.

Scott Thole is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 20 years of experience helping high net worth families develop and manage financial strategies. He holds the CERTIFIED FINANCIAL PLANNER® certification and the Chartered Advisor in Philanthropy® designation, offering expertise in areas such as financial independence, risk management, retirement planning, tax minimization, trust structures, estate planning, and charitable giving. Before joining Merrill Lynch, Scott served as Vice President at Morgan Stanley in Chicago for a decade, gaining insight into leading financial firms. He co-founded Chicago HOPE, a nonprofit organization providing four-year college scholarships and mentoring to low-income students, which has maintained a 100% graduation rate since its inception in 2006. Scott earned his MBA from St. Xavier University and his bachelor's degree from St. Mary's University. He lives in North Oaks, Minnesota, with his wife, Julie, and their three daughters.

Amy Sorrels is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been in the financial services industry since 2000 and joined Merrill in 2011. Amy holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Private Wealth Advisor® (CPWA®), Chartered Retirement Plans Specialist™ (CRPS™), and Certified Plan Fiduciary Advisor® (CPFA®). Her expertise encompasses complex financial challenges faced by affluent individuals and families, including advanced wealth management, tax planning, estate planning, executive compensation, and multigenerational wealth transfer strategies. Amy also advises business owners and executives on retirement plans such as 401(k), 403(b), SIMPLE IRA, SEP IRA, and defined benefit plans. She focuses on areas including college education planning, legacy planning, managing new wealth, personal retirement planning, small business strategies, women and wealth, and retirement income. Amy earned a Bachelor of Arts degree in Accounting from the University of St. Thomas in 2003. She has served as a board member of GIVING WoMN, an organization dedicated to nurturing women's leadership in philanthropy, and as an educator for Junior Achievement in financial literacy. Outside of her professional work, Amy is involved in her community as a youth basketball coach for YMCA of the North and enjoys tennis, golf, cooking, baking, and spending time with her husband Jeff and their daughters, Jane and Vivian.

Owen Peterson is a Financial Advisor with Merrill Lynch Wealth Management in the Saint Paul area. He specializes in liquidity management, personal retirement planning, and retirement income. Owen takes a planning-driven approach, working closely with clients to understand their priorities and translating complex financial concepts into clear guidance to support informed decision-making. Owen began his career with Bank of America in banking and later joined Merrill Edge before becoming a Financial Advisor with The Zawacki-Krebsbach-Droddy Group. This experience provides him with a comprehensive understanding of the full Bank of America and Merrill relationship, which he applies in his work. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation. Owen earned his bachelor's degree from the University of Minnesota Morris, where he double majored in Economics and Financial Management with a minor in Spanish. He was a member of the Spanish honor society. A native of Inver Grove Heights, Owen lives in South Saint Paul with his wife, Rachel, and their Golden Retriever, Freddy. His personal interests include fishing, football, golfing, hunting, skiing, and spending time with his family.

Heather Winfield is a financial advisor with Merrill in Saint Paul, MN, holding a Series 66 designation and 27 years of industry experience. She has been with Merrill since 1997. 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 institutional investors.

Michael Droddy is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals and business owners, particularly those in their prime working years, focusing on areas such as divorce transition planning, institutional and corporate benefit services, investment consulting for defined contribution plans, employee financial health, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Michael holds a Bachelor's degree in finance and marketing from Iowa State University. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Prior to joining Merrill in 2015, he worked for MML Investor Services. Based in Saint Paul, MN, Michael enjoys spending time with his wife, Emily, and their son. His personal interests include baseball, basketball, cooking, football, gardening, golfing, music, singing, traveling, and spending time with his family. Michael believes in developing financial strategies tailored to each client's vision and goals, drawing on the resources of Merrill and Bank of America to address a wide range of financial needs.

Daunne Schaller is a financial advisor at Merrill with 31 years of industry experience. She holds the Series 63 designation and has been with Merrill since 1987. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jessica Douglass is a financial advisor at Merrill with six years of industry experience. She holds Series 63 and Series 65 designations. Prior to joining Merrill in 2021, she worked at U.S. Bancorp Investments, Inc. and U.S. Bank. Outside of her advisory role, she holds a fiduciary position as a power of attorney for an investment-related entity. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Harrison Porter is a Wealth Management Advisor with Merrill Lynch Wealth Management and The Porter Group, where he has been serving clients since 2015. He specializes in comprehensive wealth management strategies, focusing on cash flow development and investment advising for individuals and families. Harrison primarily works with young business professionals and business owners, guiding them through various retirement milestones and providing access to private and commercial banking solutions. Harrison holds a Bachelor's of Science degree from the University of Minnesota Twin Cities and holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation. He also maintains his FINRA Series 7 and 66 registrations, NMLS certification (ID: 1488896), and State Life & Health Insurance licenses. Harrison's approach emphasizes goals-based planning to support clients in achieving their short- and long-term financial objectives. He lives in Minneapolis with his wife, Katie. Harrison welcomes new client relationships and focuses on clear communication to develop long-term financial plans tailored to each client's goals and aspirations.

Michaela Munda is a financial advisor with Merrill in Saint Paul, MN, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, she worked at Sara Gilson and has diverse experience including positions in admissions at Hamline University and roles as a private nanny. She is also employed outside the industry as a delivery driver for Door Dash. 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 using model-based and discretionary strategies developed by internal teams and third-party managers.

Stephen Porter is a financial advisor with Merrill in Saint Paul, MN, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He has worked with Merrill since 1977 and also with Bank of America since 2009. Outside of his advisory role, he serves as trustee for an irrevocable life insurance trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Matthew Showalter is a CFP®-certified financial advisor with 35 years of industry experience. He has been associated with Merrill since 1990 and has worked concurrently at Bank of America, NA since 2009. He holds Series 63 and Series 65 licenses and is based in Saint Paul, MN. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party management teams.

Barbara Chelgren is a financial advisor with Merrill in Saint Paul, MN, holding a Series 66 designation and 26 years of industry experience. She has been with Merrill Lynch since 1998 and also worked at Bank of America, N.A. starting in 2024. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Lee Tverberg is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2009. 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.

Jonathan Brass is a Wealth Management Advisor with Merrill Lynch Wealth Management, providing tailored advice and guidance to individuals, couples, and families. He focuses on helping clients streamline and coordinate multiple aspects of their financial lives, including liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income strategies. Jonathan began his financial career at Piper Jaffray, where he worked for six years before joining Merrill in 2006. He holds a Bachelor’s degree in Finance from the University of St. Thomas and a Master of Business Administration from the University of Notre Dame. He is a CERTIFIED FINANCIAL PLANNER® practitioner and holds the Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor (CPFA) designations. Jonathan is also a member of the Notre Dame Club of Minnesota. Residing in Mendota Heights, Jonathan coaches youth hockey and has been involved in coaching for many years. His personal interests include boating, golfing, ice hockey, skiing, and spending time with his family.

Diana Brass is a Wealth Management Advisor at Merrill Lynch Wealth Management with more than 30 years of direct experience. She works closely with individuals, couples, families, and businesses to discern their goals, address their concerns, and help them achieve a secure financial future. Diana specializes in areas such as executive compensation, family wealth management strategies, personal retirement planning, portfolio management, tax minimization, and retirement income. Diana holds a bachelor's degree in Business with an emphasis in Communications from the University of St. Thomas. She has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is a member of Team Women and is committed to continued learning and professional development. Outside of her professional life, Diana is involved in community organizations such as Adopt a Family, Feed our Starving Children, The Sandwich Project, and Valley Outreach. She is married with two children and enjoys traveling, spending time with her family, and listening to music.

Chad Zawacki serves as a Senior Resident Director and Wealth Management Advisor at Merrill. Raised in Duluth, Minnesota, he began his career at Merrill while attending Bethel University of St. Thomas, where he earned a Bachelor's degree in Finance. Chad has maintained his professional tenure in the Saint Paul office throughout his career. Chad's experience includes assisting pre-retirees with lifestyle planning, working with business owners on liquidity strategies and company benefit plans, and helping surviving spouses with budgeting. He has worked through multiple economic cycles and significant life events, focusing on helping clients pursue their personal, family, and business goals. Chad is a CERTIFIED FINANCIAL PLANNER® professional and holds the Chartered Retirement Planning Counselor (CRPC), Certified 401(k) Professional (C(k)P®), and Certified Plan Fiduciary Advisor (CPFA™) designations. Beyond his professional work, Chad is a past board member of Special Olympics Minnesota and has participated in fundraising events such as The Northland 300. He resides in Linwood Township, Minnesota, with his wife Heidi and enjoys outdoor activities including hunting, boating on Lake Superior, snowmobiling, and driving all-terrain vehicles. Chad is also a life member of Safari Club International and a member of the Madeline Island Yacht Club.

Anthony Cognetta is a Financial Advisor at Merrill Lynch Wealth Management with over 13 years of experience in the financial industry. He focuses on helping individuals and families achieve their financial goals through tailored strategies that address retirement planning, education savings, wealth growth, and tax minimization. Anthony emphasizes building lasting relationships based on trust, transparency, and clear communication to create personalized financial roadmaps. He holds a Bachelor's Degree in Economics from the University of St. Thomas and holds the Personal Investment Advisor (PIA) designation. Fluent in both English and Spanish, Anthony serves on the Board of Directors at United Family Medicine, demonstrating his commitment to community involvement. Originally from Saint Paul, Minnesota, Anthony and his family enjoy outdoor activities including boating, fishing, camping, skiing, and travel throughout the seasons.

Jackson Plessl is a Financial Advisor with Merrill Lynch Wealth Management. He works with clients to define their financial goals and develop tailored portfolio strategies designed to help achieve those goals. Jackson provides ongoing advice and adapts client portfolios as their personal situations evolve. He has expertise in retirement planning, investment management, education planning, family wealth management, tax minimization, and various other areas. Jackson holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a bachelor's degree from Kansas State University. Jackson grew up in a military family and has lived around the world, which informs his approach to helping clients create individualized financial strategies. Outside of work, he is involved with community organizations including Feed My Starving Children, Habitat For Humanity, and Second Harvest. Personal interests include boating, hiking, scuba diving, soccer, spending time with his family, and woodworking.

Anthony Vang is a Series 66-licensed financial advisor at Merrill with three years of industry experience. He has worked at Merrill since 2021 and previously held positions at CBRE, Robert Half, and other employers. 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.

Charles Porter is a Senior Financial Advisor with The Porter Group, a role he has held since 2009. He focuses on implementing comprehensive wealth management strategies and services that include analyzing funds and products, comparing performance results, and aligning asset allocation with each client's investment objectives. Charles provides traditional advice and guidance while maintaining communication on investment opportunities, market trends, and cash flow management to help clients achieve their financial goals. Born and raised in St. Paul, Minnesota, Charles attended Totino Grace High School and earned a Bachelor of Business Management degree from Saint Louis University in 2009. He holds FINRA Series 7 and 66 registrations, NMLS certification (ID: 1483122), Life & Health Insurance licenses, and the Personal Investment Advisor (PIA) designation. Charles resides in Vadnais Heights, MN. Outside of his professional work, Charles enjoys a variety of personal interests including boating, cooking, gardening, golfing, music, scuba diving, spending time with his family, tennis, traveling, and woodworking.

Matthew Veldman is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with individuals, families, and businesses to design and implement customized financial strategies aligned with their goals and long-term aspirations. He holds the roles of Senior Financial Advisor and Senior Portfolio Advisor within Merrill, managing discretionary investment strategies and offering tailored advice to diverse clientele including business owners, professional athletes, and families. Prior to joining Merrill in 2015, Matthew was a professional football player in the NFL from 2012 to 2014, playing as a tight end for several teams. He earned a Bachelor's degree from North Dakota State University and holds multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Certified Plan Fiduciary Advisor (CPFA). His expertise covers wealth transition, retirement strategies, cash-flow analysis, income generation, and defined contribution plan design and administration. Matthew is involved in community initiatives such as Twin Cities R!se, where he contributes to financial literacy and supports individuals transitioning back into the workforce. He resides in Hugo, Minnesota, with his wife Sarah and their two sons. His personal interests include fishing, football, reading, and spending time with his family.

Angela Krebsbach is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill since 2000, focusing on helping clients realize and achieve their financial goals. Angela works closely with clients to understand their priorities and designs tailored wealth management plans based on their individual needs. Her expertise includes retirement income planning, managing wealth through life transitions such as divorce or the loss of a spouse, building business liquidity, and estate planning. Angela holds multiple professional designations, including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Chartered Retirement Planning Counselor (CRPC). She earned a Bachelor's degree from the University of St. Thomas and a Master's degree in Business Taxation from the University of Minnesota Carlson School of Management. Prior to joining Merrill, she worked as a Certified Public Accountant for eight years. Angela resides in Lake Elmo, Minnesota. She participates in community activities including Minnesota Veterans Homes, Feed My Starving Children, and the Ryder Cup. Her personal interests include golfing, hiking, reading, spending time with family, traveling, and practicing yoga.

Philip Bruneau is a financial advisor with Merrill who holds Series 63 and Series 65 licenses and has 35 years of industry experience. He has worked with Merrill since 1990 and also has been affiliated with Bank of America since 2011. Outside of his advisory role, he is involved as an owner and managing member in family ranching and farming operations in Montana. 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, and institutional investors.

Gordon Bentley Jr. is a financial advisor at Merrill with 12 years of industry experience and holds a Series 66 designation. He has been with Bank of America, N.A. and Merrill since 2016. Bentley serves as a board member of the Down Syndrome Foundation and is a committee member for Minnesota Valley Young Life, both nonprofit organizations. 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 clients, and charitable organizations.

Mary Mc Dougall is a financial advisor at Merrill with 44 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1982, also working at Bank of America since 2009. 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, and institutional investors.