Erin Santspree is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 18 years of experience in the finance and banking industry, providing financial guidance to families and businesses to help them achieve their unique financial goals. Erin's advisory practice includes a focus on Impact Investing, where she helps clients pursue investments that generate both financial returns and measurable social and environmental impacts. She is also a frequent guest speaker on topics related to Impact Investing at business and institutional events. Erin holds a Bachelor of Arts degree from Union College and a Master of Business Administration from Union Graduate College, both located in Schenectady, NY. She holds the designation of Personal Investment Advisor (PIA). As a lifelong resident of Saratoga County, NY, Erin is deeply connected to the community and finds working with local families, businesses, and institutions highly rewarding. Her personal interests include boating, camping, cooking, hiking, ice hockey, music, reading, and spending time with her family. Erin is involved in several community organizations, including the Children's Museum at Saratoga, the Saratoga Springs School District, Soroptimist International of Saratoga County, and Sustainable Saratoga.

Eric Williams is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over a decade of experience in serving clients and their families, having begun his wealth management career at Ayco Company, L.P., a Goldman Sachs company, in 2005. Eric focuses on areas such as family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, and retirement income. He holds a Bachelor of Science degree in Finance from Siena College and is a CERTIFIED FINANCIAL PLANNER (CFP) certificant, a designation awarded by the CERTIFIED FINANCIAL PLANNER Board of Standards, Inc. Eric also holds the Personal Investment Advisor (PIA) designation. Residing in Ballston Lake, New York, Eric lives with his wife, Angela, and their three children, including twins. He is a parishioner at St. Edward the Confessor in Clifton Park. His personal interests include biking, football, golfing, traveling, being a foodie, and following Siena College basketball, New York Giants football, and horse racing.

Lisa Santos is a financial advisor at Merrill with 35 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2012. 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 designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brad Wagner is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his career with Merrill in 1996, he has focused on helping clients achieve and maintain financial well-being by providing clarity, simplicity, and partnership in managing their financial lives. Brad’s approach emphasizes understanding clients' values, goals, and life circumstances to create tailored strategies that support smarter financial decisions and better outcomes. Brad’s expertise encompasses a wide range of client focus areas including college education planning, executive compensation, family wealth management strategies, liquidity management, retirement planning, portfolio management, and addressing the unique needs of women and wealth. He integrates his knowledge as a Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER™ (CFP), Certified 401(k) Professional (CKP), and Certified Plan Fiduciary Advisor (CPFA) to serve clients with comprehensive and evolving financial plans. He earned his bachelor's degree from the Kelley School of Business at Indiana University and holds a high school diploma from St. Viator. Brad is engaged in community organizations such as Junior Achievement, Saratoga Arts, and The Leukemia & Lymphoma Society. Outside of work, he enjoys hiking, reading, traveling, and spending time with his wife and three children.

Desmond Tavera is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He provides a range of services including wealth planning, investment advisory, and banking services through Bank of America, N.A. He manages custom investment strategies and collaborates with clients' accountants and attorneys to align financial strategies with their unique goals. As part of a team with extensive experience, he helps individuals, families, and business owners reach their financial objectives. He 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). Desmond earned his bachelor's degree from the State University of New York at Plattsburgh and is fluent in English and Spanish. He is a member of the Hispanic/Latino Organization for Leadership & Advancement. Desmond is actively involved in his community, volunteering with organizations such as the Mohawk Hudson Humane Society and the Regional Food Bank of Northeastern New York. His personal interests include baseball, boating, fishing, football, golfing, hiking, skiing, surfing, traveling, and yoga.

Salvatore Romano is a Senior Financial Advisor with Merrill Lynch Wealth Management and a founding member of The SEAM Wealth Management Group, which was established when he and five colleagues joined Merrill in 2017. Over his career spanning more than 30 years, Sal has developed extensive experience working with clients across the country, building long-term relationships that often extend across generations. His professional journey includes roles at American Express, Charles Schwab, and two decades as a private wealth advisor at Ayco Company, L.P., a Goldman Sachs affiliate. Sal specializes in a range of services including corporate executive services, family wealth management strategies, retirement income planning, tax minimization, philanthropic planning, and small business strategies among others. He holds the Chartered Retirement Planning Counselor™ designation from the College for Financial Planning, as well as the Personal Investment Advisor credential. Sal integrates a planning-based approach in his work, guiding clients from initial discussions through to implementation and positive financial outcomes. Sal graduated from the University of New Hampshire with a Bachelor’s degree in Communications and Business Administration. He grew up involved in his family’s restaurant business, gaining insight into the challenges faced by business owners. Outside of his professional life, Sal enjoys cooking, golfing, and spending time with his wife Maria and their three children, including a son who served with the U.S. Army Mountain Division. He is also involved in supporting organizations such as St. Jude’s, The U.S. Army, and Wounded Warriors.

Andrew Pleat is a Resident Director and Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1998 and joined Merrill Lynch in 2012. Andrew is a CERTIFIED FINANCIAL PLANNER® professional, holding this certification from the Certified Financial Planner Board of Standards, Inc., along with designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Andrew’s expertise encompasses a range of client focus areas, including college education planning, family wealth management strategies, retirement income, special needs planning, liquidity management, and both individual and corporate investment strategies. His approach is consultative and objective, emphasizing a collaborative wealth planning process aimed at helping clients develop realistic, personalized financial strategies to meet their short- and long-term goals. He is committed to providing attentive, tailored service and sound financial guidance that evolves as client priorities change over time. Andrew holds a Master's Degree from Union College and a Bachelor's Degree from Siena College. Outside of his professional role, he is engaged in the community as a coach for the Capital Region Reign 16U Elite team. His personal interests include biking, golfing, hiking, skiing, and spending time with his family.

Jamie Zamani is a Series 66-credentialed financial advisor at Merrill with 20 years of industry experience. He has been with Merrill since 2006. Outside of his advisory role, he owns a retail sales business called Scentsy. 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.

Armando Spring is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' priorities to develop strategies aimed at achieving short-, mid-, and long-term financial goals. He offers guidance on a range of financial matters, including investing, retirement planning, and preparing for unforeseen expenses. Additionally, Armando connects clients with Bank of America specialists for services related to banking, credit, home financing, and small business solutions. He provides ongoing advice as clients' needs evolve. Armando holds the Personal Investment Advisor (PIA) designation. His educational background includes a High School Diploma from Schenectady High School, an Associate's Degree from SUNY Schenectady, and a Bachelor's Degree from SUNY Albany.

Thomas Mccormick is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career at Merrill Lynch in 2011 and focuses on offering a comprehensive approach to managing wealth that starts with listening to clients' needs to ensure strategies are aligned with their goals. Thomas specializes in developing strategies and providing investment guidance for individuals, families, and businesses by understanding their short- and long-term financial objectives. His areas of expertise include executive compensation, equity compensation services, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management, individual and corporate investment strategy, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and the Personal Investment Advisor (PIA) designation. He earned a bachelor's degree in Business Administration from The College at Brockport, SUNY, in 2011, where he also played varsity baseball. He completed his MBA in Economic Crime and Fraud Management at Utica University in 2013, where he served as the Graduate Assistant baseball coach. Thomas resides in Malta, NY, with his wife and two children. Outside of work, he enjoys cooking, golfing, and spending time with his family.

Mary Hogan is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley and Ayco. 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.

Stephen Rosamino is a Senior Vice President and Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with founders, CEOs, private business owners, and their families to coordinate all aspects of their financial lives, including wealth planning, investment management, liquidity events, access to private banking, and legacy planning. As a founding member of SEAM Wealth Management, he is part of a team dedicated to delivering a highly personalized client experience that addresses complex challenges such as business interests, family dynamics, charitable goals, and tax considerations. Prior to joining Merrill Lynch, Stephen spent nearly seven years with The Ayco Company, a Goldman Sachs firm, advising executives and high-net-worth families on complex financial planning. He holds a Master's Degree from the State University of New York System and a Bachelor's Degree from Siena College, and holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, Stephen enjoys fishing, golfing, photography, and spending time with his family. He and his wife Jillian are involved in supporting organizations focused on education and community development, including Rebuilding Together Saratoga County and Siena College's Center for Private Wealth Management.

Mary Gavin is a financial advisor at Merrill with 28 years of industry experience. She holds a Series 63 designation and has been with Merrill since 2012. 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.

Chase Burdick is a Series 66-licensed financial advisor at Merrill with two years of industry experience. His work history includes roles at Bank of America and Key Bank. 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.

Sandra Raia is a financial advisor at Merrill with Series 63 and Series 65 licenses and 44 years of industry experience. She has been affiliated with Bank of America since 2009 and with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2008. 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 developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Adam Swartz is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has worked in the financial services industry since 2007, focusing on managing corporate benefits and personal asset management for high-net-worth and ultra-high-net-worth individuals, including families of Fortune 500 executives and entrepreneurs. His approach centers on providing "sensitive and sensible" financial advice that aligns with clients' core values and goals. Before joining Merrill Lynch in 2017, Adam spent ten years at The Ayco Company, L.P., a Goldman Sachs company, where he concentrated on investment management. He holds a Bachelor of Science degree in Finance from Siena College and the Professional Investment Advisor (PIA) designation. Adam resides in Saratoga Springs and enjoys hiking, swimming, and water skiing. He spends much of his free time with his family, especially at the lake. He is involved in community organizations including Dolgeville Forward and volunteers with Habitat for Humanity.