Shelley Saraniti is a financial advisor at Merrill with 25 years of industry experience and holds the Series 66 designation. She has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 1997. Outside of her advisory role, she is a member of JuJut Enterprises LLC, a limited liability company. 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 strategies managed by internal and third-party teams, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kari Lusby is a financial advisor with Merrill in San Francisco, CA, holding a Series 66 designation and 21 years of industry experience. Her prior roles include positions at Voya, MassMutual, and Nationwide Investment Services Corporation. Outside of her advisory work, she serves as president of the Crusade for Cures Foundation, a nonprofit focused on fundraising for medical research for children with life-threatening conditions. 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 a range of individual, institutional, and charitable clients.

Manuel Tumaneng Jr. is a financial advisor at Merrill with 25 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2001, including a concurrent role at Bank of America, N.A. 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. The firm offers model-based and discretionary investment strategies managed by internal and third-party teams for individuals, high-net-worth clients, and institutional investors.

Dakota Moyne is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill in 2024, he was with Merrill Lynch, Pierce, Fenner & Smith Incorporated in 2023. His background also includes roles at the University of Oregon and The Bay School of San Francisco. 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.

Matthew Goldberg is a Senior Financial Advisor at Merrill Lynch Wealth Management. He co-manages the Venture Services Group Trading team, overseeing fund level block trading and stock distribution management services. His responsibilities include centralized execution, settlement, and reporting for venture capital and private equity funds as well as their institutional limited partners. Matthew Goldberg graduated from Santa Clara University's Leavey School of Business in 2009. He holds the Accredited Wealth Management Advisor (AWMA) designation and the Personal Investment Advisor (PIA) designation. He has been recognized on the Forbes Best-in-State Wealth Advisors lists for 2023 through 2025 and the Forbes Best-in-State Next Generation Wealth Advisors list for 2023.

Timothy Walker is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Venture Services Group in June 2016, where he manages the development, implementation, and execution of 10b5-1 plans. Additionally, he supports the team with the stock distribution process and the settlement of restricted stock transactions. Before joining Venture Services Group, Tim worked with the Bank of America Institutional Retirement Executive Services Team, assisting corporate executives and directors in managing their company stock holdings. He holds a Bachelor of Science degree in Finance and Computer Information Systems from Rider University and has earned the Accredited Wealth Management Advisor (AWMA) designation. In 2024, Tim was recognized on the Forbes “Best-in-State Wealth Advisors” list. He resides in New York, NY.

John Patrick Suciu is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Ranallo Group at Merrill, a Bank of America Company. He brings over 25 years of experience in the financial industry, initially developing his expertise through 21 years as a mortgage loan officer. In his current role, John focuses on helping clients define their financial goals, understand their risk tolerance, and navigate complex financial decisions. He collaborates with a team of professionals who actively manage client portfolios within a disciplined framework as part of Merrill's Investment Advisory Program. John holds a Bachelor's Degree from the University of Iowa and holds the professional designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He is also affiliated with the Iowa High School Athletic Association. Beyond his professional work, John enjoys a range of personal activities including baseball, basketball, biking, football, hiking, refereeing, skiing, soccer, spending time with his family, and traveling.

Stephanie Mccann is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2006 and Bank of America since 2015. Outside of her advisory role, she serves as a committee member for the Fred Hutchinson Cancer Research Center’s Innovator’s Network, focusing on fundraising and education efforts in the Bay Area. 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, plans, corporations, and charitable organizations.

Avel Elizondo is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked with Bank of America and First Command in various advisory roles. Outside of his advisory work, he co-owns a rental property and manages bi-monthly inspections and repairs. 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.

Ruggero Borletti is a Private Wealth Manager at Merrill Private Wealth Management, a role he has held since joining Merrill in 2017. He has been engaged in the financial services industry since 1989. Ruggero's experience covers working with ultra-affluent clients both domestically and internationally, particularly those undergoing wealth transformations such as business sales. His expertise includes college education planning, executive compensation, family wealth management strategies, international wealth management, legacy planning, managing new wealth, philanthropic planning, women and wealth, tax minimization, and retirement income. Prior to Merrill, he worked in the Private Wealth Management divisions of UBS and Morgan Stanley, and began his career in corporate finance at NM Rothschild & Sons in London. He earned a Bachelor of Arts degree in Economics from Brown University in 1988 and holds the Certified Exit Planning Advisor (CEPA®) designation from the Exit Planning Institute, earned in 2019. Ruggero is fluent in English and Italian, has working knowledge of Spanish and French, and resides in Arizona. His personal interests include biking, cooking, hiking, running, scuba diving, skiing, tennis, traveling, and yoga. He has lived and worked in multiple countries, including Switzerland, the UK, and Kenya, and has five children.

Yohko Fick is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Yohko holds a Bachelor's Degree from Oakland University and maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Her extensive experience at Merrill supports her expertise in client management and portfolio construction. In her personal time, Yohko enjoys baseball, biking, boating, football, hiking, ice skating, running, skiing, and swimming.

Andrew Kopjak is a Private Wealth Advisor at Merrill Private Wealth Management. He primarily advises corporate executives, entrepreneurs, and venture capital/private equity investors. Andrew collaborates with affluent individuals and families to identify and evaluate their financial goals and creates detailed analyses to help advance their objectives. Andrew has expertise in areas including investment management, liquidity event planning, cash-flow analysis, tax-sensitive wealth transfer strategies, and advising on concentrated stock positions and Qualified Small Business Stock. He is adept in advising Section 16 officers and venture capital partners on 1202 Small Business Stock Gain Exclusions and 10B5-1 Selling Plans. Andrew works closely with clients and their tax and legal advisors. Andrew has been with Merrill since 2007 and holds the Certified Private Wealth Advisor (CPWA®) designation from the Investments & Wealth Institute, as well as the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor's degree from California State University and a Master's degree from Texas A&M University. Andrew is involved in the Forum for Corporate Directors and the Cystic Fibrosis Foundation. He lives in Laguna Niguel, California, with his wife and two daughters.

John Cardente Jr. is a Private Wealth Advisor and Managing Director at Merrill Private Wealth Management. He co-founded the team at Merrill and provides specialized advice to wealth creators and professional investors including hedge fund, private equity, and venture capital principals, as well as senior executives and entrepreneurs. John advises some of the firm's most significant clients, offering focused attention and customized services to meet their unique financial needs. With over twenty years of experience at Merrill Lynch Wealth Management since joining in 2002, John led the Structured Product Team for the Pacific Northwest and currently serves on the Private Wealth Advisory Council to Management. His areas of expertise include block trading, concentrated and restricted stock strategies, alternative investments, derivatives, portfolio design, tax-sensitive wealth transfer, pre-liquidity event planning, and family wealth dynamics. John is active in several employee networks including the Bank of America LGBTQ+ Pride Employee Network, the Hispanic/Latino Organization for Leadership and Advancement, and the Military Support and Assistance Group. John earned his bachelor's degree from Elmira College, where he remains engaged and previously served on the Board of Trustees. He holds the Certified Plan Fiduciary Advisor® and Certified 401(k) Professional designations. Outside of work, John coaches middle school lacrosse and serves on the Board of the San Francisco Italian Athletic Club Foundation. Originally from Providence, Rhode Island, he now resides between San Francisco, Lake Tahoe, and Hawaii with his wife and their Bull Terrier, Ceecee.

Garrett Klekota is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to connect all aspects of their financial lives, helping them prioritize and pursue the goals that matter most. Garrett's approach involves understanding clients' short-, mid-, and long-term objectives to develop personalized financial plans. His expertise includes equity compensation services, legacy planning, liquidity management, managing new wealth, tax minimization, and retirement income strategies. Garrett serves as a resource for a range of financial needs, from general investing and retirement planning to saving for unexpected expenses. He also provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. Garrett holds a Bachelor's Degree from DePaul University and the Personal Investment Advisor (PIA) designation. Outside of his professional work, he enjoys basketball, pickleball, singing, soccer, and tennis.

Laura Rennels is a Financial Advisor with Merrill Lynch Wealth Management and a member of The Springfield Group, a team dedicated to providing clients with informed financial guidance through time-tested strategies and education. In her role, she collaborates closely with clients to assess their financial needs and develop personalized wealth management strategies aligned with their individual goals and priorities. Her areas of expertise include family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, and retirement income. Laura holds a Bachelor's Degree from the University of California System and has earned professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is proficient in English, French, and Spanish. In addition to her professional responsibilities, Laura participates in community activities consistent with the Merrill tradition of service and volunteers with various local organizations. Outside of work, her personal interests include camping, cooking, hiking, music, reading, running, spending time with her family, and yoga.

Hedieh Gharib is a financial advisor at Merrill with 7 years of industry experience. She holds a Series 66 designation and has worked with both Bank of America N.A. and Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a wide range of clients including individuals, high-net-worth clients, and institutions.

Peter Laidlaw is a Private Wealth Manager at Merrill Private Wealth Management. In this role, he delivers investment and wealth planning services, as well as lending capabilities from Bank of America, to a select group of ultra-high-net-worth clients. These clients include technology founders and early employees, venture capital and hedge fund general partners, and C-suite executives. Since 2012, Peter has focused his career on serving the investment and planning needs of high-net-worth families and organizations. His expertise includes asset allocation and implementation, proactive tax, trust, and estate planning strategies, multigenerational wealth transfer, and access to credit through Bank of America. Prior to joining Merrill, he served as an Executive Director at J.P. Morgan Private Bank and worked as a Private Wealth Advisor at Goldman Sachs. Peter holds a bachelor's degree from Dartmouth College, where he was a member of the varsity swim team, and a Juris Doctorate degree from Santa Clara University School of Law, where he served as a senior editor of the Law Review.

Kimberly Moseley is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Morgan Stanley and Mission Creek Capital Partners. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Michael Reid Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over thirty years of experience in wealth management and has been with the firm since 1992. Michael provides financial strategies and wealth management services to some of the firm's most affluent clients, including affluent families, business owners, executives, and retirees. His approach involves a thorough review of client objectives and risk tolerance, followed by tailored portfolio designs that consider investment time horizon, tax consequences, liquidity needs, legal considerations, and other unique factors. His team's philosophy emphasizes risk reduction through long-term asset allocation strategies. Michael holds a Bachelor of Science in Economics from the University of the Pacific, an MBA from California State University, Sacramento, and a Master of Science in Finance from the Kelley Business School at Indiana University. He has participated in executive education programs at Wharton. He completed a three-year curriculum in investment analysis and portfolio management and holds the Chartered Financial Analyst (CFA) designation, CERTIFIED FINANCIAL PLANNER (CFP) certification, and Chartered Financial Consultant (ChFC) credential. He also has Series 7 and Series 66 FINRA registrations. Michael is an active member of the CFA Institute of San Francisco and is involved with St. Vincent's DePaul of San Rafael. He lives with his wife and three children in Marin, north of San Francisco. His personal interests include playing classical and jazz piano, tennis, and snow skiing.

Nathaniel Cooke is a Series 66-licensed financial advisor with Merrill in San Francisco, CA. He has 17 years of industry experience, having worked at Bank of America, N.A. since 2009 and Merrill since 2006. 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.