Nick Alexander is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 24 years of experience in the financial services industry. He focuses on retirement planning and helping clients achieve their financial goals through a comprehensive, client-centered approach. Nick works with clients who are concerned about navigating risk and adheres to financial plans designed to accomplish their life goals. He holds a Bachelor's Degree from California State University Northridge and a Master of Business Administration (MBA) from Loyola Marymount University. Nick is a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He is affiliated with the Delta Sigma Pi Business Fraternity. Outside of his professional work, Nick enjoys basketball, biking, bowling, football, gardening, running, soccer, swimming, watching movies, and spending time with his family.

Debra Jorgensen is a financial advisor with Merrill in San Francisco, CA, holding Series 63 and Series 65 credentials and with 42 years of industry experience. She has worked at Merrill since 1984 and Bank of America since 2009. Jorgensen serves as a director of the San Francisco Fine Arts Museums Foundation and as an honorary director for Larkin Street Youth Services, both nonprofit organizations, and is a committee employee at Stanford 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Siegel is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Bank of America and Bank of America, N.A. David is based in San Francisco, CA. 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 CIO teams and third-party managers for individuals, high-net-worth clients, and institutions.

Richard Mazur is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1972, focusing on serving ultra high net worth individuals, multigenerational families, and retirees. Richard offers expertise in areas such as family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, personal retirement planning, portfolio management, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. Richard holds a bachelor's degree in Accounting from California State University, Long Beach, earned in 1967. He also holds the Personal Investment Advisor (PIA) designation. Prior to his financial career, Richard served in the United States Marine Corps and the United States Navy, including three consecutive tours of duty in Vietnam during the War. He emphasizes a personalized approach by taking time to understand each client's financial situation and goals to develop tailored wealth management strategies. In addition to his professional work, Richard is involved in volunteering within his community. His personal interests include biking, reading, and volleyball.

Adrienne Fazio is a Wealth Management Advisor at Merrill Lynch Wealth Management. She is part of a team that manages the wealth of select individuals, families, and business owners. Her work focuses on wealth management and transfer, retirement planning, and liability management for clients who value a personal financial relationship. Adrienne and her team develop customized strategies designed to help accumulate, preserve, use, and distribute wealth. They consider investment, tax, retirement, and estate planning perspectives to provide clients with the greatest probability of achieving their financial goals. Her client focus areas include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and individual and corporate investment strategy. Adrienne holds a Bachelor's Degree from the University of California, Berkeley. She holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of her professional role, Adrienne enjoys basketball, gardening, hiking, spending time with her family, and traveling.

Carla Reynolds is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009. Outside of her advisory role, she serves as a co-trustee for a family trust. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jose Barrera is a Financial Advisor at Merrill Lynch Wealth Management. He collaborates with clients to understand their financial goals and develops strategies tailored to their unique needs. Jose focuses on areas including managing new wealth, socially responsible and ESG investing, sports and entertainment, and retirement income planning. He provides resources for investing, retirement planning, and saving for unexpected expenses, as well as access to Bank of America specialists for banking, credit, home financing, and small business solutions. Jose maintains ongoing communication with clients to adjust strategies as their needs evolve. Jose holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a High School Diploma from Newbury Park High School and attended Moorpark College without obtaining a degree. Jose is proficient in English and Spanish. Outside of his professional role, Jose is involved with the community organization Friends of Fieldworkers. His personal interests include adventure sports, basketball, boxing, reading, skiing, and soccer.

Emmeline Swanson is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been with Venture Services Group since October 2005 and currently manages the team's custody service product, advising clients on restricted stock sales and settlement. In 2014, Emmeline relocated to New York City to lead the team's expansion in that market. Prior to her financial advisory career, she held the position of Vice President at a software company where she was involved in designing and developing applications, and also worked at a survey research and political consulting firm in Washington, D.C. Emmeline holds a Bachelor of Science degree in Finance and Marketing from the University of Virginia’s McIntire School of Commerce and studied at the University of Bath School of Management in the UK. She holds the Personal Investment Advisor (PIA) designation. Her professional experience spans multiple geographic locations including the UK, Channel Islands, Cayman Islands, and the United States. Emmeline has been recognized in the financial industry, appearing on Forbes' "Best-in-State Women Wealth Advisors" and "Best-in-State Wealth Advisors" lists for 2023 and 2024, as well as Barron's 2023 "Top 100 Women Financial Advisors" list.

Rui Xie is a financial advisor with Merrill based in San Francisco, CA, holding a Series 66 designation and eight years of industry experience. She has worked with Merrill and Bank of America since 2017 and was previously employed at Bank of America Merchant Services from 2013 to 2017. Outside of advising, Rui serves as a part-time officer for Bon Vivant One Inc. and is a general partner and managing member of Miracle International Supply LLC, an e-commerce business focused on beauty and pet supplies. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Elliot Karlin is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Merrill and Bank of America since 2011 and 2012, respectively. Outside of his advisory role, he owns an LLC focused on mobile application development. Merrill, along 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Cullen Kafka is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with successful individuals and families to coordinate the many aspects of their financial lives, providing personalized planning, investment guidance, and strategic advice. His approach involves serving as a quarterback for clients' financial teams to help preserve wealth, capitalize on opportunities, and support confident decision-making for themselves and future generations. Cullen's expertise includes family wealth management strategies, managing new wealth, personal retirement planning, career transitions, business management, legacy protection, and complex wealth transfer considerations. He aims to simplify financial complexity, mitigate risks, and provide proactive guidance and objective advice at every stage. His role extends beyond investment management to building long-term relationships founded on trust, communication, and personalized service. He holds a Bachelor's Degree from the University of Oregon and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Previously, Cullen was a professional baseball player, and outside of work, he enjoys spending time with his family, traveling, and participating in activities such as baseball, basketball, billiards, camping, football, golfing, music, skiing, and staying active in the gym.

Ryan Russell is a financial advisor with Merrill in San Francisco, holding a Series 66 designation and four years of industry experience. His prior work includes roles at State Street Corporation and a four-year period at Boston 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Robert Fernandez is a Wealth Management Advisor and Vice President at Merrill Lynch Wealth Management. With over 34 years of experience as a financial advisor, including 27 years at Merrill, he focuses on designing, implementing, and monitoring customized wealth management plans, as well as overseeing and managing client assets. He holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Mr. Fernandez earned his Bachelor of Arts degree in Business Economics and Sociology from the University of California, Santa Barbara in 1987. His work involves connecting all aspects of a client's financial life to help prioritize and pursue their most important goals. He provides access to investment insights from Merrill and banking and lending solutions through Bank of America. Outside of his professional role, Robert enjoys baseball, basketball, biking, fishing, football, gardening, music, reading, skiing, and spending time with his family.

Zachary Goldman is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, he worked at Pruco Securities LLC and Dexian, and has held roles outside finance including positions at Seattle Public Schools, Amazon, and UCSF Benioff Children’s Hospital. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gloria Montesinos is a financial advisor at Merrill with 30 years of industry experience. She holds the Series 66 designation and has been with Merrill since 1991. Outside of her advisory role, she is an authorized check signer on her husband's non-investment-related 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Jane Pang is a financial advisor with Merrill in San Francisco, holding Series 63 and Series 66 licenses and having one year of industry experience. Prior to joining Merrill, she worked at U.S. Bank for three years and operated Pangcakes LLC, a bakery business, for ten years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Keeson Davis is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017, including time at Merrill Lynch and a prior role at AT&T. He also spent four years at Santa Clara University earlier in his career. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Anthony Canini is a Private Wealth Advisor at Merrill Private Wealth Management, where he leads the CWMG Group in delivering wealth management strategies tailored to clients with complex financial needs. He and his team employ a planning-based, process-driven approach that draws on their expertise in income tax, estate planning, and wealth structuring. Their focus is on providing clear and effective solutions that help clients navigate challenges such as concentrated stock positions, core asset management, and legacy planning. Before joining Merrill in 2001, Anthony practiced as a tax attorney at Morrison & Foerster and PriceWaterhouseCoopers. He holds a Bachelor of Science degree in economics from the University of California Riverside and earned his Juris Doctor degree with a tax emphasis from the University of California Hastings College of Law. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Personal Investment Advisor (PIA). Anthony’s client base includes principals of venture capital and private equity firms, company leaders, and wealthy families who value his team's commitment to building long-term, trust-based relationships. Anthony speaks both English and Spanish. Outside of work, he dedicates time to his family and enjoys activities such as chess, skiing, soccer, and traveling.

Jonathan Carlysle is a Financial Advisor at Merrill Lynch Wealth Management, specializing in providing comprehensive wealth management solutions tailored to the needs of individuals, families, and business owners. With 18 years of experience in the financial services industry, he joined Merrill Lynch Wealth Management in 2024. His client focus areas include education planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. Jonathan earned a Bachelor of Science in Accounting and Finance from Regis University in 2008 and holds a Master Level Certification in Banking from Pacific Coast Banking School obtained in 2010. He also holds several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in English and Korean, Jonathan applies a disciplined process centered on understanding his clients' priorities and financial situations to develop personalized wealth management strategies. Outside of his professional work, Jonathan's personal interests include adventure sports, golfing, soccer, and watching movies.

Mason McCloskey is a Wealth Management Advisor at Merrill Lynch Wealth Management in San Francisco. He has been with Merrill Lynch since 2018, working with individuals, families, and business owners to develop financial strategies tailored to their needs. He focuses on areas including liquidity management, managing new wealth, personal retirement planning, small business strategies, and tax minimization. Mason leverages Merrill Lynch's investment platform along with banking and lending services through Bank of America to provide integrated financial solutions. Mason holds a Bachelor's degree in Economics with a concentration in Finance from California Polytechnic State University. He earned the CERTIFIED FINANCIAL PLANNER® certification in April 2023 and holds the Personal Investment Advisor (PIA) designation. He is a member of the Delta Sigma Pi, Kappa Mu Chapter professional organization. Mason was named to the 2026 Forbes "Best-in-State Wealth Management Teams" list. Outside of his professional life, Mason participates in community organizations such as ProCamps Worldwide and the San Jose Sharks Foundation. He enjoys baseball, basketball, chess, cooking, football, golfing, ice hockey, racquetball, watching movies, and spending time with family and friends.