Bethany Jenkins is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2013 and Bank of America, N.A. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Cerniga is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that help clients pursue their financial goals, including family wealth management, managing new wealth, personal retirement planning, portfolio management, and serving clients in sports and entertainment as well as women and wealth sectors. Michael holds an Associate's Degree from Moorpark College and is a Personal Investment Advisor (PIA). His approach centers on understanding each client's full financial picture to create flexible strategies aligned with their priorities and changing market conditions. He emphasizes trust and aims to be a reliable advisor dedicated to his clients' and their families' best interests. Outside of his professional role, Michael enjoys football, golfing, hiking, photography, pickleball, spending time with his family, and traveling.

Steven Rocha is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in the San Francisco office since 1980. He specializes in helping clients develop strategies for managing individual, business, and personal financial portfolios. His work encompasses areas such as college education planning, liquidity management, personal retirement planning, philanthropic planning, and socially responsible investing, among others. Steven holds a Bachelor's Degree in Economics from the University of California, Berkeley. He carries the Personal Investment Advisor (PIA) designation and has over 40 years of experience in the financial advisory field. His approach involves working closely with clients to create personalized financial strategies tailored to their long-term goals. In addition to his professional responsibilities, Steven participates in various community and professional organizations, including the Guardmens of San Francisco, San Francisco Opera, San Francisco Symphony, and the Olympic Club Foundation. He is also involved with the Alameda Boys and Girls Club and Women’s Dress for Success in San Francisco. Personal interests include basketball, football, golfing, running, skiing, swimming, and traveling.

Michael Hays is a financial advisor with Merrill in San Francisco, holding Series 63 and Series 66 licenses and 19 years of industry experience. He previously worked at JP Morgan Securities LLC and has been with Merrill and Bank of America 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Travis Daugherty is a Senior Financial Advisor at Merrill Lynch Wealth Management. With over 25 years of experience, he specializes in personalized wealth management strategies tailored to the unique financial goals of his clients. His expertise includes working with wealthy families and individual investors on investment needs such as restricted stock sales, 10B5-1 plans, cashless option exercises, fixed income and equity trades, 529 plans, and large block equity trade transactions. Travis works closely with trading desks to execute both taxable and tax-exempt fixed income trades, equity and option trades, restricted stock trades, and corporate transactions. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Cal Poly San Luis Obispo. In addition to his professional work, Travis participates in community activities and enjoys spending time with his family. His personal interests include baseball, football, golfing, hiking, running, skiing, swimming, tennis, and traveling.

Deanna Dozier is a Senior Financial Advisor at Venture Services Group and is affiliated with Merrill Lynch Wealth Management. She has been with Venture Services Group since 2015, following her tenure at Merrill Private Wealth Management. In her current role, she serves as the Venture Network coordinator, assisting private clients with navigating the combined organization and providing institutional access when appropriate. Deanna holds a Bachelor of Arts degree in Liberal Arts from the University of Mississippi. Prior to her career in financial services, she spent several years working in songwriting and the TV, film, and commercial industry. She holds the designation of Personal Investment Advisor (PIA). Growing up in Auburn, Alabama, Deanna is a fan of Auburn Tigers football and the Miami Dolphins.

Zhi Lu is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and 10 years of industry experience. He has been with Merrill and Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Kaushal Kumar is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their unique ambitions and develop personalized financial plans. His services include general investing, retirement planning, and strategies for managing unexpected expenses, all tailored to align with clients' individual priorities. Kaushal holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He completed an Accredited Certificate Program at the Australian Institute of Technology and Education. Fluent in English, Punjabi, Hindi, and Urdu, Kaushal is able to communicate effectively with a diverse clientele. He is also involved in the Fresno Cambodian Buddhist Society, Inc.

Peter Arbogast is a financial advisor at Merrill with 40 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Merrill since 1984 and Bank of America, NA since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Kerstin Barstad is a Series 66 licensed financial advisor with Merrill in San Francisco, CA, with 15 years of industry experience. She has been with Merrill since 2010 and also worked at Bank of America, N.A. since 2022. 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 client types including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Benjamin Portnoy is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill since 2011 and Bank of America since 2014. He serves as a board member of the Belvedere Tennis Club, overseeing strategic direction for the club through 2026. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Bren Johnson is a financial advisor at Merrill with 27 years of industry experience. He holds a Series 66 designation and has been with Merrill since 1998, concurrently working at Bank of America, N.A. since 2009. Outside of his advisory role, Johnson serves as the 2024 Commodore of the Northern California Fleet for the Classic Yacht Association, a nonprofit focused on the preservation and restoration of historic motor yachts. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ben Fort is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career as an intern at Merrill Lynch Wealth Management in 1995 and became a financial advisor in 1998. He leads an eleven-person team that works with entrepreneurs, corporate executives, venture capitalists, and their families to develop and implement financial strategies. The team manages over $4.3 billion in client assets as of May 2026 and maintains a client retention rate of 99% as of March 2025. Ben's focus within the group includes financial planning and the needs of corporate executives and entrepreneurs, developing strategies to align restricted stock, compensation, and assets with clients' goals. Ben holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and the Certified Investment Management Analyst (CIMA) designation sponsored by the Investments & Wealth Institute. He also holds a Personal Investment Advisor (PIA) designation and earned his bachelor's degree from the University of Tennessee. Ben has been recognized on the Forbes "Best-in-State Wealth Advisors" list from 2018 through 2026 and was part of a team named to the Forbes "Best-in-State Wealth Management Teams" list for the third consecutive year in 2025. Ben lives in Mill Valley with his wife and two daughters. His personal interests include snowboarding, mountain biking, sailing, and traveling.

Julia Emenhiser is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at Envestnet | Yodlee and Allianz Global Investors, and she has spent significant time at Merrill and Bank of America. 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.

Brian Gigliotti is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in financial services. He began his career at Citibank's Retail Banking Division and then worked with Citi's Wealth Management Group in New York City before returning to San Francisco in 2010 to join Merrill. Brian specializes in legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds dual Bachelor of Science degrees in Financial Services and Corporate Finance from San Francisco State University and the Chartered Retirement Planning Counselor (CRPC) designation from the College for Financial Planning Institutes Corp. Brian's approach focuses on building strong client relationships and developing personalized strategies that address every aspect of wealth management, from accumulation to estate transfer. A third-generation San Franciscan, Brian lives in the Bay Area with his wife, daughter, and two chocolate Labradors. Outside of work, he enjoys golfing, running, swimming, and has an interest in classic cars.

Alfred Alden is a financial advisor at Merrill with 16 years of industry experience and holds a Series 66 designation. He has worked at Merrill and Bank of America in multiple roles since 2008 and was self-employed and involved in extended travel between 2018 and 2021. Outside of advising, he serves as an executor for a family fiduciary role. 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 plans, corporations, and charitable organizations.

Kristin Boettger is a financial advisor at Merrill with 24 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Merrill since 2009. Prior to that, she has worked with Bank of America, N.A. since 2000. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, supported by internal and third-party management teams.

Samuel Martinez is a Series 66 licensed financial advisor at Merrill with one year of industry experience. His prior roles include positions at Bank of America, Wells Fargo, J.P. Morgan, and Citi, as well as involvement with Diamond Baseball Holdings LLC and the San Jose Giants. 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, pension plans, corporations, and charitable organizations.

Arthur Chow is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC, Cambridge Investment Research Advisors, Northern Trust, Morgan Stanley, and The Vanguard Group. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Maher is a Private Wealth Advisor with Merrill Private Wealth Management. He works with a select group of clients, providing detailed financial advice and guidance to help them make informed decisions. His approach emphasizes clarity, transparency, and service, fostering long-term, discreet relationships with clients and their families. Since beginning his career in financial services in 1996, Christopher has developed expertise in areas including investment management, pre- and post-liquidity event planning, concentrated and restricted stock management, business structuring, customized credit, trust and estate planning, and philanthropic strategies. He serves clients such as business owners, entrepreneurs, senior executives, and others with complex wealth management needs. Christopher holds a bachelor's degree from DePauw University and the Personal Investment Advisor (PIA) designation. He has been involved in various community organizations, including serving as an ambassador and holding leadership positions with local educational and sports associations. Christopher and his family reside in the East Bay area of San Francisco.