Brian Friel is a Team Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing financial advisory services as part of a team at the firm. Brian has interests outside of his professional role that include biking, skiing, and spending time with his family.

Ryan Padreddii is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at notable firms including JP Morgan Chase Bank, J.P. Morgan Securities, First Republic, C3.ai, and Morgan Stanley. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Kirby is a financial advisor at Merrill in San Francisco, CA, holding Series 63, Series 65, and Series 66 licenses with 25 years of industry experience. His prior work includes roles at Bank of America, RBC Capital Markets, and Royal Bank of Canada. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Laura Pilz serves as a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, she works with individuals, couples, and families to develop wealth management strategies aimed at achieving a secure financial future. She begins her client engagements by considering their life goals across personal, professional, and charitable dimensions, helping evaluate financial resources to support their desired lifestyles now and in the future. This process includes discussions on insurance, real estate financing, healthcare and long-term care, and trusts, which form the basis of personalized wealth management plans guiding ongoing client relationships. Laura tailors financial strategies for each client to build and preserve wealth, regularly updating these strategies and evaluating portfolio performance against client goals. She has a particular focus on supporting single women—especially those who are recently divorced or widowed—helping them gain confidence in managing their financial affairs. Additionally, through her charitable work with seniors, Laura has developed an understanding of the financial and broader life challenges they face, enabling her to assist seniors and their families in making informed decisions across generations. Laura has 30 years of experience in the financial services industry and holds the CERTIFIED FINANCIAL PLANNER (CFP) designation. Her academic credentials include a Bachelor of Arts in Economics from Chatham College and a Master's Degree in Finance and Accounting from the University of North Carolina at Chapel Hill. She is affiliated with the Metropolitan Club of San Francisco. Outside of work, her personal interests include baseball, cooking, gardening, interior decorating, reading, and traveling.

Hanson Wong is a Wealth Management Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He has been in the financial services industry since 2000 and joined Merrill Lynch in 2019. His previous experience includes managing a multi-billion dollar hedged long/short equity portfolio at a top global multi-strategy hedge fund and working on a Morningstar 5-Star rated mutual fund. Earlier in his career, he was involved in managing private equity distributions for the largest US public pension fund, equity research and investment banking, and commercial credit lending. He also served as director of finance and administration for an online boutique retail company. Mr. Wong holds a bachelor's degree in Economics from the University of California, Davis, and is a CERTIFIED FINANCIAL PLANNER® professional, as well as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). He focuses on developing custom tailored wealth management strategies and offers services including executive compensation, family wealth management strategies, portfolio management, and socially responsible and ESG investing. Hanson works to provide clients with a breadth of strategies, premier customer service, and robust financial tools, collaborating closely with clients' other trusted advisors. Residing in San Mateo County, Hanson is active in the community and supports local non-profits such as Make-A-Wish Greater Bay Area, Donaldina Cameron House, and serves as Vice Chair of the Community Youth Center of San Francisco. He participates in volunteer and fundraising activities and emphasizes one-on-one conversations to understand clients' values and goals. Outside of work, he enjoys basketball, camping, cooking, fishing, football, hiking, skiing, traveling, watching movies, and spending time with his family.

Thomas Chang is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2004 with a goal of enhancing client experiences and focuses on helping individuals and families achieve their financial goals by identifying obstacles and transforming challenges into opportunities. Thomas holds the Chartered Retirement Planning Counselor™ (CRPC) designation as well as the Personal Investment Advisor (PIA) designation. Prior to his financial advising career, Thomas held various management roles within the retail industry across the Bay Area, gaining experience in leadership and client relationship building. He earned his Bachelor's degree from San Francisco State University and is fluent in both Chinese and English. Thomas is committed to community involvement and participates in organizations such as the Catholic Youth Organization (CYO), Habitat for Humanity San Francisco, and the San Francisco Surfrider Foundation. Outside of work, he enjoys adventure sports, biking, camping, cooking, golfing, running, scuba diving, skiing, spending time with his family, and traveling.

Brian Olmo is a Private Wealth Advisor at Merrill Private Wealth Management. He has been advising clients at Merrill for over 16 years, specializing in designing sophisticated wealth management strategies tailored to successful individuals and families. His work involves integrated wealth and estate planning strategies, liability and tax management, and concentrated stock strategies. Before joining Merrill, Brian started his finance career in 2006 and worked as an Investment Banking Analyst with Citigroup Global Markets, advising private equity firms and Fortune 500 companies. He holds a Bachelor's Degree from California Polytechnic State University San Luis Obispo with concentrations in Finance and Accounting and has earned the Personal Investment Advisor (PIA) designation. Brian has been recognized by Barron's and Forbes multiple times, including being named to Barron's "Top 250 Private Wealth Management Teams" list in 2024 and 2025 and Forbes' "Best-in-State Wealth Advisors" lists from 2023 to 2026. He and his family reside in Tiburon, where they engage in outdoor activities and community involvement.

Heather Housley is a Series 66-licensed financial advisor with Merrill in San Francisco, California, where she has worked since 2009. She has 21 years of industry experience. Outside of her advisory role, she serves as the treasurer for Saints Joseph and Francis Xavier School’s homeschool organization. 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, pension plans, corporations, and charitable organizations.

Timothy Shibata is a Senior Financial Advisor at Merrill Lynch Wealth Management and a founding member of the Private Capital & Venture Solutions Group. He specializes in managing global settlements for institutional clients invested in venture capital and private equity funds. His responsibilities include overseeing global equity transactions, ensuring seamless settlements, and assisting clients with complex cross-border regulatory frameworks. With over two decades of experience, Timothy provides strategic problem-solving to streamline global transactions, mitigate risks, and improve operational efficiency. He focuses on institutional clients, including endowments, foundations, non-profits, and corporate benefit services. Timothy holds a B.S. in Finance from San Francisco State University, an MBA from Golden Gate University, and a certificate in Japanese Management from the Japan-America Institute of Management Science. He has earned the Accredited Wealth Management Advisor (AWMA) designation. Timothy is bilingual in English and Japanese. Outside of work, he enjoys baseball, basketball, football, table tennis, tennis, traveling, and spending time with his family.

Mc Coy Wegner is a Series 66 licensed financial advisor with eight years of industry experience, currently with Merrill in San Francisco, CA. His work history includes roles at Bank of America, N.A., Merrill Lynch, and a brief period at Wheel Pizza. 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, pension plans, corporations, and charitable organizations.

Anna Karpova is a Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to develop personalized financial strategies tailored to their individual goals and evolving market conditions. Anna provides access to investment insights from Merrill and lending solutions from Bank of America, supporting clients through various stages of wealth management. Her areas of expertise include college and education planning, equity compensation services, family and international wealth management, LGBT wealth planning, retirement income, tax minimization, and strategies for managing new wealth. Anna holds a Master of Business Administration (MBA) from Lincoln University. In addition to her professional work, Anna is engaged in her community through volunteering with organizations such as SFCASA and Reading Partners. Her personal interests include cooking, pickleball, reading, running, scuba diving, skiing, tennis, traveling, yoga, and spending time with her family.

Sarah Rejto is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked previously at RBC Capital Markets, LLC. 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 institutions.

Derek Balaian is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked in various roles including at Mathnasium and Hewlett-Packard Tech Ventures. He studied at the University of California, Berkeley from 2021 to 2025. 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, pension plans, corporations, and charitable organizations.

Cristian Solis Flores is a Financial Advisor and a member of the Chang Hunter and Associates Team at Merrill Lynch Wealth Management in San Francisco. He provides advice, guidance, and financial support to business owners, nonprofit organizations, and their employees, with expertise in 401(k) and 403(b) plan design, administration, and service. He works closely with individuals and multigenerational families to develop cohesive strategies across multiple facets of their wealth. Cristian began his career in financial services in 2021 after earning a Bachelor of Science in Business Administration with a concentration in Finance from San Francisco State University, part of the California State University System. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). As a bilingual (English/Spanish) second-generation immigrant, he focuses on providing financial education and resources to organizations with many Spanish-speaking employees, aiming to enhance understanding of financial wellness and retirement planning. His client focus areas include divorce transition planning, executive compensation, family wealth management strategies, retirement income, and services for defined benefit and defined contribution plans. Outside of work, Cristian enjoys billiards, camping, fishing, golfing, horseback riding, music, soccer, spending time with family, and traveling.

David Lipinski is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in delivering personalized wealth management strategies that align with clients' individual financial goals and changing market conditions. David's client focus areas include Corporate Executive Services, Education Planning, Equity Compensation Services, Family Wealth Management Strategies, Legacy Planning, Liquidity Management, Managing New Wealth, Personal Retirement Planning, and Portfolio Management Services. David began his career as a market maker at Crowell Weedon & Company before transitioning to advisory roles at TD Ameritrade and J.P. Morgan prior to joining Merrill. He holds a Bachelor's Degree from Loyola Marymount University and maintains the Personal Investment Advisor (PIA) professional designation. David is also engaged in community service, volunteering with local organizations, reflecting the Merrill tradition of community involvement. Outside of work, he follows multiple sports including baseball, basketball, football, ice hockey, and soccer.

Lauren Kozlenko is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She previously worked at Wells Fargo for 14 years before joining Merrill in 2022. Outside of her advisory role, she is an officer and owner of Kozlenko Enterprises LLC and Rio Russo Rentals LLC, both of which manage rental properties in California. 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.

Audrey Bell is a Series 66 licensed financial advisor with Merrill in San Francisco, CA, with four years of industry experience. Her prior work includes roles at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Atrium, and Red 36. She also worked at Elon University and Poly Prep Country Day School before joining Merrill. 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, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Mu San Zhang is a Financial Advisor at Merrill Lynch Wealth Management, specializing in helping individuals, families, and business owners create personalized strategies for retirement, education, and wealth management. With a focus on guiding clients through complex financial decisions, Mu San works to develop tailored financial plans aligned with clients' goals and life stages. Before transitioning to financial services, Mu San spent years in the technology industry working in product development and materials science. This technical background informs her approach to financial advising, enabling her to assist technical professionals with data-driven decision-making in areas such as equity compensation, career transitions, tax-aware strategies, and managing personal and family financial goals. Her expertise includes education planning, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, and tax minimization. Mu San holds a Bachelor's Degree from the University of North Carolina Chapel Hill and a Doctorate Degree from Virginia Polytechnic Institute & State University. She has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Mu San is also a member of professional organizations such as the American Chemical Society and the Project Management Institute. She is fluent in English and Yue (Cantonese).

Kevin Barnes is a financial advisor at Merrill with 33 years of industry experience. His previous roles include positions at Bank of America, JP Morgan Chase, First Republic Securities, and Merrill Lynch Pierce Fenner & Smith. He holds Series 63 and Series 65 credentials. 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.

Nadia Allaudin is a Managing Director and Private Wealth Manager with Merrill Private Wealth Management in Century City. In this role, she focuses on empowering women and the LGBTQI+ community to better understand and manage their wealth. Nadia works closely with her clients to explore their relationship with money and address their financial concerns. As of October 16, 2026, she oversees entrusted assets of approximately $1.290 billion in assets and liabilities. With more than 26 years of experience in the financial services industry, Nadia and her partner concentrate on areas including college education planning, LGBT wealth planning, managing new wealth, portfolio management services, socially responsible investing, tax minimization, and retirement income. She is the founder of the annual Women, Wealth & Wisdom Conference in Los Angeles, which brings together professional women for discussions on health, wellness, leadership, and spiritual best practices. In recognition of her efforts, Nadia received the Bank of America Diversity & Inclusion Recognition award. Nadia earned a Bachelor of Science degree in Business Administration with dual emphasis in Finance and Business Communication from the Marshall School of Business at the University of Southern California. She holds the Certified Investment Management Analyst (CIMA) designation and is registered with multiple FINRA licenses including Series 3, 7, 8, 31, and 66. Nadia actively participates in the community as a board member of the International Refugee Assistance Project, Vital Impacts, MADRE, and serves on the UCLA Health Advisory Board. Her personal interests include hiking, swimming, yoga, and spending time with family.