David Waitrovich is a Private Wealth Advisor and co-leads the Daroza Waitrovich Group within Merrill Private Wealth Management. He works exclusively with ultra-affluent families, assisting them in aligning their wealth with their long-term objectives and supporting positive impacts on their lives, families, organizations, and causes. His approach is grounded in a disciplined, holistic planning method that emphasizes informed decision-making and multi-generational wealth management. David began his career in wealth management in 1982 and joined Merrill four years later. He has experience working with entrepreneurs, corporate executives, and families navigating complex financial situations, including transitions such as inheritance, business sales, and tax minimization. He integrates rigorous analytical reviews of investments, cash flow, tax strategies, and intergenerational wealth transfer with behavioral coaching to help clients develop constructive financial behaviors. He earned a B.S. in Economics and Business Administration from St. Mary's College and an M.A. in Counseling Psychology from JFK University. David holds the Certified Investment Management Analyst® (CIMA®) designation. Residing in Alamo, California, with his wife Maria, he has four adult children. His family's charitable focus has been on education.

Rial Barnett is a Private Wealth Advisor at Merrill Private Wealth Management, specializing in serving ultra-affluent clients. He provides strategic advice and support across areas such as investment management, trust and estate planning, credit and lending services through Bank of America, N.A., and philanthropy. Rial leads the design and implementation of comprehensive wealth strategies, collaborating with external tax and legal advisors as well as Merrill specialists to meet the complex needs of his clients. Rial has been in the financial services industry since 1989 and joined Merrill in 2008. Prior to that, he worked with the Private Client Group at Hambrecht & Quist, J.P. Morgan, and Morgan Stanley. He earned his M.B.A. from Pepperdine University's Graziadio School of Business and holds the Personal Investment Advisor (PIA) designation. Rial is bilingual in Spanish and English. Outside of his professional role, Rial is involved in community service and has served as chair of the board of the REACH Foundation and as a mentor for Teen Challenge Orange County. He resides in Rancho Santa Fe with his wife and daughter. His personal interests include health, travel, cooking, horseback riding, reading, tennis, watching movies, and Formula 1 racing. Rial has been recognized by Forbes on the "Best-in-State Wealth Management Teams" list multiple times as part of the Barnett, Coon, Armitage, Leach & Moore Group.

Mohammed Aater is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on understanding clients' financial priorities to develop personalized wealth management strategies that address short-, mid-, and long-term goals. His approach includes providing access to investment insights from Merrill and banking and lending solutions through Bank of America. In his role, Mohammed serves as a resource for clients on topics ranging from general investing and retirement planning to preparing for unexpected financial needs. He collaborates with Bank of America specialists to offer clients comprehensive services including banking, credit, home financing, and small business solutions. Mohammed holds the designation of Personal Investment Advisor (PIA). He earned his High School Diploma/GED from Allentown Central Catholic.

Derek Chin is a financial advisor at Merrill with a Series 66 designation and 10 years of industry experience. He has been with Merrill since 2015 and concurrently employed at Bank of America, N.A. since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Shuhda is a Private Wealth Advisor at Merrill Private Wealth Management and a co-founder of The Shuhda Group, a wealth management team focused on serving ultra-affluent individuals, families, and institutions. He directs client outreach and portfolio strategy, employing his significant experience in equity, fixed income, and foreign exchange markets. His team provides customized and tax-efficient wealth management strategies, leveraging the resources of Merrill and Bank of America. John began his wealth management career in 1992 after earning his MBA from Indiana University. He has held positions including Vice President at Salomon Brothers, Principal at Robertson Stephens, and Director roles at Deutsche Bank and Credit Suisse. John holds a Bachelor's Degree from Hobart College and is a Personal Investment Advisor (PIA). He has been recognized by Barron's as one of the Top 100 Financial Advisors in America in 2011 and 2012. Based in San Francisco, John has served as a trustee for Xavier High School in New York City. His personal interests include cooking, playing guitar in a band, and practicing yoga. He has two children.

Valerie Garcia Houts is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been with the Venture Services Group since 1999, initially joining when the team was part of Robertson Stephens. Valerie oversees domestic and foreign equity distributions, 10b5-1 plan development and implementation, and regulatory matters pertinent to the business. Her experience spans over two decades in restricted stock strategy and trading. Prior to her current role, Valerie spent six years at Montgomery Securities in the Private Client Department, where she managed restricted stock transactions, diversification and hedging strategies, and comprehensive asset management for high-net-worth individuals and foundations. Valerie holds a Bachelor of Arts degree in economics from the University of California at Irvine and an MBA from the Haas School of Business at the University of California, Berkeley. She also holds the Personal Investment Advisor (PIA) professional designation. In addition to her professional work, Valerie serves on the Board of Trustees for Project Glimmer, a nonprofit focused on empowering young women, and Compass Family Services, which provides human services to low-income and homeless families in the San Francisco Bay Area. She is active in leadership at St. Ignatius Church in San Francisco. Valerie lives in San Francisco with her husband and their three daughters.

Sohail Naji is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. In this role, he focuses on helping clients identify what matters most to them and their families in order to develop personalized strategies aimed at achieving their financial goals. Sohail holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Loyola Marymount University. His approach centers on collaborating closely with clients to uncover their priorities and create tailored financial plans.

Juliette Browne is a financial advisor at Merrill with a Series 66 designation and has been in the industry since 2025. She has held prior roles at Intellectus Partners, Jefferies, and Fortress Investment Group. Outside of her advisory work, she is involved with Steps Lacrosse and has teaching experience at Stanford University and Sacred Heart Preparatory 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 serving individuals, high-net-worth clients, and institutional accounts.

Tatiana Bustamante Rodriguez is a Financial Advisor at Merrill Lynch Wealth Management. She focuses on building meaningful client relationships by understanding their financial goals and providing guidance on strategies related to general investing, retirement planning, and saving for unforeseen events. Tatiana's approach includes offering access to Bank of America specialists for banking, credit, home financing, and small business solutions, ensuring comprehensive financial support for her clients. Her areas of expertise include education planning, family wealth management strategies, investment consulting for defined contribution plans, employee financial health, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. Tatiana holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. She earned a Master's Degree from the University of Redlands and a Bachelor's Degree from the University of California System. Tatiana is bilingual in English and Spanish and is a member of the professional organization HOLA. She is involved in community activities through Habitat for Humanity. Outside of her professional work, her personal interests include biking, cooking, hiking, music, running, soccer, spending time with family, tennis, watching movies, and yoga.

Damian Hedley is a Private Wealth Manager with Merrill Private Wealth Management. He advises a select group of ultra-high-net-worth individuals and families, providing coordination and leadership across various aspects of their wealth management. Damian’s expertise includes advising business owners, particularly those considering an exit or who have monetized their businesses. He also works with C-suite executives, assisting with compensation optimization, managing concentrated and restricted stock strategies, and planning for intergenerational wealth transfer.

Joseph Nowak is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Merrill since 1989 and also works with Bank of America 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, offering model-based and discretionary investment strategies for a range of client types including individuals, high-net-worth clients, and institutions.

Mason Stainbrook is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he has been involved in entrepreneurial activities including work with Aesthete Winery & Farm and Black Pig Meat Company. He has also held academic positions at the University of California, Berkeley, Santa Rosa Junior College, and Summerfield Waldorf High School. 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 institutional investors.

Sarah Liston is a Wealth Management Advisor at Merrill Lynch Wealth Management. She provides tailored advice and guidance to individuals, families, and businesses, helping clients implement a thoughtful approach to their wealth. Sarah draws on significant experience in planning and investing, with a focus on areas such as pre- and post-retirement analysis, cash-flow modeling, portfolio design, liquidity event planning, next-generation wealth transfer, and higher-education savings. An attentive listener and CERTIFIED FINANCIAL PLANNER® professional, Sarah begins each client relationship by understanding their unique priorities. She combines integrated planning, investing, and saving strategies to help clients achieve their financial goals. Sarah values enhancing clients' financial literacy by explaining financial concepts clearly and assisting them in making informed decisions. Sarah earned her Bachelor's degree in Business Administration and Social Science from the University of Central Florida. She holds the CERTIFIED FINANCIAL PLANNER® designation and is a Personal Investment Advisor (PIA). In her personal time, Sarah enjoys cooking, music, reading, spending time with family, traveling, and watching movies.

John Amaral is a financial advisor at Merrill with 33 years of industry experience. He has been with Merrill since 1991 and holds the Series 63 designation. 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.

Yan Yan Yu is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009, following three years at Banc of America Investment Services, Inc. She is based in San Francisco, CA. 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, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Douglas Howe is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in managing new wealth, small business strategies, and retirement income. With 40 years of experience in the financial services industry, he has been with Merrill Lynch since 2004 and previously worked for 15 years at Kidder Peabody. Douglas focuses on serving ultra high net-worth individuals and business owners, helping them develop personalized financial strategies. He holds a bachelor's degree in Social Sciences and Economics from the University of California, Berkeley, earned in 1982, and holds the Personal Investment Advisor (PIA) designation. Douglas’s approach to wealth management emphasizes goal setting, asset allocation, and responsible investing. He prioritizes understanding each client’s financial situation and personal priorities to deliver tailored advice and service. Outside of his professional work, Douglas is involved in several organizations, including the Green Hills Golf Club, Olympic Club, and the San Francisco Grid Club at the University of California. His personal interests include baseball, golfing, and hiking. Additionally, he participates in community volunteering as part of Merrill’s tradition of service.

Jason He is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and one year of industry experience. His prior work includes several roles at Bank of America, N.A. Between 2015 and 2017, he also studied real estate. Outside of his advisory role, he manages a family-owned business, serving as managing member of an LLC involved with residential and commercial rental property. 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 institutions.

Deborah Wang is a Senior Financial Advisor with Merrill Lynch Wealth Management. In her role, she provides clients with guidance on investment strategies and wealth management solutions. Deborah holds the professional designation of Personal Investment Advisor (PIA), reflecting her expertise in personal investment planning and advisory services. She earned her bachelor's degree from the University of California, Berkeley, Haas School of Business.

Dominique D Angelo is a financial advisor at Merrill with Series 63 and Series 65 credentials and three years of industry experience. Prior to joining Merrill, Dominique worked at Bank of America starting in 2008 and also has experience at Laney College. 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.

Ryan Waterbury is a financial advisor with Merrill based in San Francisco, CA. He holds the Series 66 designation and has 10 years of industry experience. Prior to joining Merrill in 2021, he worked at Raymond James & Associates from 2016 to 2021 and at Equinox in 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.