Markus Stephens is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 65 designations and eight years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities, LLC from 2018 to 2021. 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.

Anthony Dadci is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 66 designations and eight years of industry experience. His career history includes positions at Bank of America, Wells Fargo Clearing Services LLC, and Wells Fargo Bank, NA. He also spent time teaching at California State University East Bay and Chabot College. 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.

David Salazar is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over five years of experience in the financial services industry, having joined Merrill Lynch in 2018. Prior to that, David worked at Morgan Stanley’s Private Wealth Management office in San Francisco and Barclays Global Investments and Solutions division in London. His practice focuses on serving small business owners, employees of publicly traded companies, and high net worth families. David holds a Bachelor’s degree in Finance with a minor in Economics from the University of San Francisco, where he graduated Cum Laude. He also has earned the Personal Investment Advisor (PIA) designation. He is a member of the Phi Delta Theta Fraternity and supports community organizations such as LightHouse for the Blind and Visually Impaired. In his client relationships, David emphasizes understanding clients’ priorities and tailoring financial strategies that address their unique needs and aspirations. He focuses on clear communication regarding investment risks and strives to provide sensible, confident guidance. Outside of his professional work, David enjoys golfing, fishing, traveling, and exploring California’s wine regions.

Baran Alaeehosseini is a financial advisor at Merrill with Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Merrill and Bank of America in 2026, he worked at J.P. Morgan Securities LLC and JP Morgan Chase Bank, N.A. from 2023 to 2026. 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.

Spencer Griffith is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role as a Merrill Financial Solutions Advisor, he works directly with clients to understand their financial goals and develop strategies tailored to pursue those objectives. His services encompass a broad range of areas including general investing, retirement planning, and saving for unforeseen circumstances. Additionally, he can facilitate access to specialists from Bank of America concerning banking, credit, home financing, and small business solutions. Spencer's expertise covers Divorce Transition Planning, Executive Compensation, Equity Compensation Services, Family Wealth Management Strategies, Legacy Planning, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Individual and Corporate Investment Strategy, and Retirement Income. He holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from the California State University System.

Annie Etchegoyhen is a Managing Director and Private Wealth Advisor with Merrill Private Wealth Management in Palo Alto, California. She has been with the firm since 2001, beginning her career in the finance department of a major technology firm before transitioning to wealth management. Annie holds a B.S. in Finance from the University of San Diego and is a certified Personal Investment Advisor (PIA). Annie works closely with individuals and families who have complex wealth management needs, including principals in venture capital and private equity, senior executives, business owners, and multi-generational families. She focuses on understanding each client's interests and intentions to provide customized strategies in areas such as liquidity event planning, business structuring, tax-efficient investing, trust and estate planning, customized credit, and philanthropy. Annie has received national recognition for her work, including being named among Forbes' "Best in State Wealth Advisors" and "America's Top Women Wealth Advisors," as well as being listed in Working Mother's "Top Wealth Advisor Moms." She is committed to her community as an Ambassador for Lucile Packard Children's Hospital and has volunteered with the Boys & Girls Club of America. In her free time, Annie enjoys sports and activities with her family.

David Benavidez is a financial advisor at Merrill with five years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2021. Prior to his current roles, he was employed at DoorDash and Heffernan Financial Services, and has a background that includes work at San Diego State University and In-N-Out Burger. 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.

Rory Springfield is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in guiding clients through diverse investment environments. Since beginning his financial career in 1999, Rory has developed expertise in family wealth management strategies, retirement income planning, tax minimization, portfolio management, and supporting clients through significant life transitions such as divorce and managing new wealth. He serves as the New Issue Equity Coordinator for the San Francisco SC Office since 2007 and has been the lead advisor of his team since 2009. Rory holds the Chartered Financial Analyst® (CFA®) designation since 2006, along with certifications as a Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a master's degree in business administration from Saint Mary’s College of California and a bachelor's degree in civil engineering from the University of Nevada, Reno. His approach emphasizes simplifying the investment experience and bringing clarity to clients’ financial lives through personalized wealth plans aligned with their individual goals and priorities. In addition to his professional focus, Rory is actively involved in his community through coaching youth sports and participating in charitable organizations such as JDRF and Kentfield in Kids. He lives in Marin with his wife, Diane, and their two children, Spencer and Scarlett. Rory’s personal interests include golf, tennis, hiking, skiing, running, dining out, and enjoying good wines.

Charles Lewis is a financial advisor at Merrill with 46 years of industry experience. He holds a Series 63 designation and has worked at Merrill and Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily 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 various institutional investors.

Michael Rennels serves as a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 1987, he has developed extensive experience in retirement plan design and financial strategy, supporting both plan sponsors and participants in achieving objective-based retirement outcomes. His expertise includes employee benefits planning, investment consulting for defined contribution plans, and socially responsible, values-based, and ESG investing. Michael holds a bachelor’s degree in Economics and Accounting from the University of California, Santa Barbara, and an MBA from California State University, Chico. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), CHARTERED FINANCIAL CONSULTANT (ChFC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, Michael is active in the tennis and softball communities as a player and coach. He is a member of the USSSA and USTA organizations and dedicates part of his time to coaching competitive tennis and softball teams.

Ramona Gerber is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Before joining Merrill in 2022, she worked at Four Star Realty and held positions at the University of Colorado Boulder and Menlo Atherton High School. 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, and institutional accounts.

Corey Pang is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management, with over two decades of experience serving corporate executives, entrepreneurs, and high-net-worth families. He specializes in providing strategic and personalized wealth management guidance, leveraging the extensive resources of Merrill Lynch to address complex investment and wealth-planning needs. Throughout his career, Corey has focused on delivering disciplined and client-centered advice that supports thoughtful financial decision-making. His expertise includes college education planning, executive compensation, family wealth management strategies, LGBT wealth planning, personal retirement planning, philanthropic planning, portfolio management, small business strategies, tax minimization, and retirement income. Corey holds a High School Diploma from Galileo Academy of Science and Technology and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He actively participates in community organizations such as the Asian American Business Council and the Asian Leadership Network. Corey is also fluent in English, Chinese, Yue (Cantonese), and Mandarin.

Andrew Hughes is a Financial Advisor currently working with Merrill Lynch Wealth Management. He specializes in helping high-net-worth individuals and families develop personalized financial strategies designed to grow, preserve, and deploy wealth thoughtfully. Andrew's role involves providing strategic advice on managing complex situations including concentrated stock positions, equity compensation, liquidity events, and planning for retirement and legacy. Andrew earned a B.A. in Mathematics from the University of California, Berkeley, with studies concentrating on Economics and Finance. He began his relationship with Merrill Lynch Wealth Management during a college internship. Prior to his current role, Andrew gained experience at Willis Towers Watson advising on executive compensation and equity incentive plans, and at Levi Strauss & Co., managing executive compensation and global incentive programs. He holds Series 7, 65, and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. In addition to his professional work, Andrew is involved with community organizations through volunteer efforts. His personal interests include adventure sports, camping, chess, football, hiking, reading, skiing, and spending time with his family.

Maria Cristela De La Cruz is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in developing personalized wealth management strategies that take into account clients' full financial pictures and changing market conditions. Maria provides access to investment insights from Merrill as well as banking and lending solutions through Bank of America to support her clients’ goals. Maria holds the Personal Investment Advisor (PIA) designation and earned her bachelor's degree from Universidad del Sagrado Corazon. She emphasizes a client-centered approach, working closely one-on-one to create customized financial strategies aimed at pursuing long-term objectives. In addition, Maria participates in community service activities, supporting local organizations through volunteer work.

Catherine Blake is a financial advisor at Merrill with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1983, also working at Bank of America 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Victoria Var Heibak is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2018. Prior to joining Merrill, she held various roles including positions at Pizza Antica and San Diego State University. 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.

Cynthia Serbia is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including J.P. Morgan Securities, First Republic Investment Management, Oppenheimer, Bancwest Investment Services, and Charles Schwab. Cynthia took a one-year sabbatical before joining Merrill in 2025. 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 with model-based and discretionary investment strategies.

Reza Golchini is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Bank of America, N.A. and Merrill 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 using model-based and discretionary investment strategies developed by internal and third-party managers.

Maritza Camilo is a financial advisor at Merrill with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999. Merrill provides managed account services through its Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary strategies developed by internal Chief Investment Office teams and third-party managers, supported by comprehensive trading, account administration, and custody services.

Meredith Mckown is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 65 credentials and over 28 years of industry experience. She has worked with Bank of America and Merrill Lynch for the past 15 years. Outside of her advisory role, she is involved in an acting career with various production companies and manages an online clothing resale business. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.