Robert Schiano is a Senior Financial Advisor with Merrill Lynch Wealth Management. He serves individuals, families, and corporate executives by providing wealth management services that integrate investment resources from Merrill and banking capabilities at Bank of America. Robert works collaboratively with clients’ attorneys and CPAs to address all aspects of their financial lives. Since joining Merrill Lynch Wealth Management in 2000, Robert has focused on developing personalized financial strategies tailored to his clients’ goals, risk tolerances, and time horizons. He begins each client relationship with a thorough information gathering and risk assessment process and provides ongoing reviews to ensure alignment with evolving objectives. His services include assisting retirees with 401(k) distributions, income planning, and legacy planning. Robert holds the Personal Investment Advisor (PIA) designation and earned his High School Diploma from Jonathan Dayton. He participates in the American Cancer Society’s annual Relay for Life and volunteers locally. A New Jersey native, Robert lives in Mountainside, NJ with his wife and two children. In his leisure time, he enjoys skiing and fishing.

Robert Bernoskie is a financial advisor with Merrill in Summit, NJ, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Bank of America and Merrill since 2009. Outside of his financial advisory role, he serves as a high school football official with the New Jersey Football Officials Association, a position he has held since 1993. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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 supported by internal Chief Investment Office teams and third-party managers.

Amy Sorge is a financial advisor at Merrill with 18 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill since 2014. Prior to that, she was with PFS Investments Inc and Primerica Financial Services. 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.

Nathan Smith is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill since 2017, with additional experience at Morgan Stanley, Briad Restaurant Group, Certified Financial Services, Columbia Bank, and Fairleigh Dickinson University. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicolas Zolofra is a Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nicolas earned his Bachelor's Degree from The College of New Jersey. Further details regarding his experience, areas of expertise, and personal interests have not been provided.

David Biunno Jr. is a Senior Financial Advisor with Merrill Lynch Wealth Management. He is a member of the RM & Associates team, which allows him to address a wide range of financial needs and situations. David has worked in financial services since 2007, providing tailored advice and guidance to executives, small business owners, and families through a holistic approach that accommodates multiple priorities. His experience includes crafting robust strategies grounded in clients' specific goals and needs while considering their risk profiles and time horizons. Prior to joining Merrill Lynch Wealth Management, David spent six years as a Financial Advisor with Professional Economic Growth Group in Edison, New Jersey. He also served as an advisor with AXA Insurance. David holds a bachelor's degree from Providence College and is a founding member of its New Jersey Alumni Association. He has earned the Chartered Retirement Planning Counselor (CRPC) designation as well as the Personal Investment Advisor (PIA) certification. In addition to his professional activities, he is involved in the Providence College Alumni Club of New Jersey, serves as a hockey coach for the Beacon Hill Club, and participates with the New Jersey Brain Injury Association.

Lauren Schneider is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2018. Prior to her financial services career, she was employed at Fox News Channel / Newscorp from 2008 to 2017 and had a brief role at Ninety Acres at Natirar in 2017. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Erin Guarneri is a financial advisor at Merrill with six years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019, with prior experience at Bank of America and Citibank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary strategies developed by internal and third-party teams, with a focus on strategic asset allocation and tax-sensitive investment options.

Rajeev Chellapilla is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on delivering a comprehensive approach to wealth management by listening to clients' needs and ensuring that each strategy is aligned with their financial goals. He provides clients access to the investment insights of Merrill Lynch as well as the banking services of Bank of America to address various aspects of their financial lives. Rajeev holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Rutgers. He is committed to delivering service that supports clients in pursuing their financial objectives.

David Trinkoff is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 after beginning his career in the financial services industry in 1998, following a tenure as a senior accountant at an international CPA firm. David holds a bachelor's degree in business management from Ithaca College and a master's degree in accounting from Long Island University. He is a Certified Private Wealth Advisor (CPWA) and a Personal Investment Advisor (PIA). As a qualified portfolio manager, David provides clients with personalized wealth management strategies that may include a combination of individual securities, Merrill model portfolios, and third-party investment strategies. He serves a diverse clientele including families, executives, attorneys, and physicians, and may manage investment strategies on a discretionary basis through the firm's Investment Advisory Program. In addition to his professional work, David has been involved with nonprofit organizations, including service on the board of the Northern New Jersey Chapter of the March of Dimes. He resides in Mendham, New Jersey with his wife and three children. In his free time, David enjoys playing tennis and golf.

Michael Wattick is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he collaborates with clients to develop personalized financial strategies aimed at pursuing their long-term goals. Michael works alongside David Trinkoff at The Trinkoff Wattick Group, serving clients including business owners, entrepreneurs, C-suite executives, and attorneys primarily in the Summit community, throughout New Jersey, and across the nation. With over 20 years of experience, Michael focuses on helping clients make informed investment decisions tailored to their individual needs. His approach emphasizes building one-on-one relationships to foster trust and respect, and he prioritizes working with clients to construct portfolios that are free of proprietary product pressures. Michael's fee structure is transparent and based on the assets managed. Michael holds a Personal Investment Advisor (PIA) designation and earned his Bachelor's Degree from Duquesne University. He is involved in community service through the American Red Cross. Michael values the multi-generational relationships he has developed with clients and enjoys spending time with his wife, Pamela, and their four children.

Tessa Stewart is a financial advisor at Merrill with five years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of finance, she operates two small businesses: a wedding photography and videography service and a beauty service offering makeup and marketing of beauty-related products. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals and institutions.

Gina Lessner is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has worked at Merrill since 2010. 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 institutions.

George Castellano is a financial advisor at Merrill with 25 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2000. 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.

Lori Gagliano is a financial advisor with Merrill in Summit, New Jersey, holding a Series 66 designation and over 43 years of industry experience. She has been with Merrill since 1983. Outside of her advisory role, she serves as a co-trustee of The McCue 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and organizations.

Mary Garcia is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2017. Prior to that, she was with Morgan Stanley Smith Barney and Morgan Stanley & Co. Incorporated from 2008 to 2017. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Margot O'Neill is a financial advisor with Merrill, holding Series 63, 65, and 66 licenses and bringing 44 years of industry experience. She has been with Merrill since 1979. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Jessica Granier is a financial advisor at Merrill with five years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2020, with prior roles at Sanctuary Securities, Sanctuary Advisors, and Ameriprise Financial Services. Earlier in her career, she was employed at The Marina at Oceanport and Monmouth Rubber and Plastics Corporation. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Matthew Pennell is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at MassMutual and Samuel Klien and Co. 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.

Nicholas Schraft is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior roles include positions at Wealth Enhancement Group and MACRO Consulting Group. Merrill, along with its affiliate Managed Account Advisors LLC, offers 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.

Todd Gordon is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been focusing on asset management for individuals, families, and retirement planning for business owners since 2017. He leads the Sentinel Team at the Summit, NJ branch, alongside his business partner and support staff. The team has been recognized on the Forbes "Best-in-State Wealth Management Teams" list for 2023, 2024, and 2025. Mr. Gordon has over 26 years of experience in the financial industry. He began his career as a fixed income specialist at Gibraltar Securities, which became RBC Dain Rauscher. He has also held positions as Vice President in the Private Client Group at Bear Stearns and Senior Vice President at Morgan Stanley prior to joining Merrill Lynch. His areas of expertise include college education planning, executive compensation, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. He earned his bachelor's degree from Syracuse University and holds FINRA series 7, 63, and 65 registrations, life insurance licenses, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Mr. Gordon resides in Short Hills, NJ with his wife and two children. His personal interests include cooking, golfing, hiking, and running.

Frank Robertazzi is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with the firm since 2007, providing tailored financial strategies and precise implementation to individuals and families across the United States. Prior to joining Merrill Lynch, Frank spent more than 25 years in national and global business development within the electronics and lighting industries, including roles at HP, Agilent, and CML, where he served as Vice President of business development. His expertise involves simplifying complex financial situations, designing detailed long-term strategies, and executing disciplined processes for managing investments, retirement planning, cash-flow needs, and wealth transfer objectives. Frank holds multiple professional certifications, including the Certified Financial Planner (CFP®), Certified Plan Fiduciary Advisor (CPFA®), and Chartered Retirement Planning Counselor (CRPC). He earned a Bachelor of Science degree in Electronic and Electrical Engineering from NYU's Polytechnic School of Engineering and graduated from Brooklyn Technical High School. Outside of his professional role, Frank is involved with several organizations such as the Civic Story Board, Polytechnic Alumni Board, Rotary International Summit NJ, and Sage Elder Care Board. His personal interests include baseball, fishing, running, and spending time with his family.

Scott Nettune is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has 26 years of experience in wealth management, having worked as a Private Banker, Wealth Advisor, and Financial Advisor. Prior to joining Merrill Lynch in 2018, Scott spent four years at The Wells Fargo Private Bank as a Wealth Advisor and Senior Vice President. Before that, he worked for 14 years at JPMorgan’s Private Bank, where he held multiple roles, including work on the Restricted Stock Desk focusing on 10b5-1 plans. Scott specializes in legacy planning, managing new wealth, and tax minimization. He manages the financial situations of high-net-worth clients by identifying their life goals and financial strategies and coordinating teams of specialists to implement comprehensive wealth plans. He holds a Bachelor of Arts in Accounting and Finance from Gettysburg College and maintains FINRA Series 7 and 66 registrations as well as a Personal Investment Advisor (PIA) designation. Outside of his professional work, Scott is involved with the nonprofit organization Soft Bones, Inc (501c-3). He enjoys basketball, golfing, music, coaching youth sports, and spending time with his family and friends.

Kathleen Maloney is a Wealth Management Advisor at Merrill Lynch Wealth Management in Short Hills. She has been with Merrill since 1999 and has over 25 years of experience in finance. Prior to joining Merrill, she worked for nine years at Summit Bank Corp. Kathleen collaborates with clients to clarify their current situation, risk parameters, objectives, and life goals in order to develop and implement personalized financial strategies. She holds a Bachelor of Arts in Political Science with a concentration in Business from Rutgers University. Kathleen has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her client focus areas include divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Outside of her professional role, Kathleen enjoys activities such as biking, gardening, golfing, reading, tennis, and traveling. She is involved in her community, particularly with The Jersey Shore Rescue Mission, which supports homeless and less fortunate individuals in Monmouth County. Kathleen is also a member of professional organizations including USSWGA, GSWGA, and WNJGA.

W Doxey Jr. is a financial advisor at Merrill with 24 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Merrill since 2008. He is also affiliated with Bank of America, N.A. since 2017. 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, institutions, and charitable organizations.

Keith Simons is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has served since 2017. He is a registered investment professional with more than 26 years of experience in the wealth management industry. Mr. Simons is recognized as a member of the Sentinel Team, which has been named to the 2023-2026 Forbes "Best-in-State Wealth Management Teams" list. Prior to joining Merrill Lynch, Mr. Simons held positions at several financial firms. He began his career as the Director of Investments at Oppenheimer & Company in New York City from 1993 to 2001. He then worked as a First Vice President at Smith Barney in New York City from 2001 to 2008. Following that, he was a Senior Vice President at Morgan Stanley in Short Hills, New Jersey, from 2008 until his transition to Merrill Lynch in 2017. Mr. Simons earned a Bachelor of Arts degree from George Washington University. He holds FINRA series 7, 63, and 65 registrations, as well as life insurance licenses. He resides in Short Hills, New Jersey, with his wife and three children.

Salvatore Rosamilia is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that address a broad range of client needs, including college education planning, divorce transition planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, sports and entertainment, and retirement income. Salvatore emphasizes developing financial strategies tailored to each client's individual goals and adapting to evolving market conditions. Salvatore holds an Associate's Degree from Columbia University and maintains the Personal Investment Advisor (PIA) designation. He has a long-standing commitment to the community, demonstrated by 15 years of volunteer work with the Ironbound Soccer Club and the Salvation Army Boys & Girls Club. Outside of his professional activities, Salvatore enjoys baseball, golfing, music, refereeing, soccer, and spending time with his family.

Gregory Shanaphy is a Senior Vice President-Senior Financial Advisor at Merrill Lynch Wealth Management based in Summit, New Jersey. He also serves as a Portfolio Manager and is a partner in the Hinds Fisher Ahern and Shanaphy Group, a team recognized on the 2026 Forbes Best-in-State Wealth Management Teams list. Greg specializes in family wealth management strategies, institutional investment consulting, retirement planning, portfolio management services, and tax minimization. With nearly 30 years of experience, Greg has supported families, business owners, and executives in navigating complex financial landscapes using a planning-driven approach. His expertise integrates investment management, retirement planning, tax-aware strategies, estate planning, and wealth transfer. Prior to his current role, Greg held senior financial advisory positions at UBS and Merrill Lynch Global Private Client, and has a background as General Counsel in investment banking. Greg holds a Bachelor’s degree from Montclair State University and a Juris Doctorate from Seton Hall University School of Law. He is a Personal Investment Advisor and a Retirement Benefits Consultant and maintains various FINRA securities licenses alongside life and health insurance licenses. Greg is a member of the Montclair State University board of trustees finance committee and the Seton Hall Preparatory Pirate Gridiron Club alumni association and finance committee. He is also involved with The Church of Christ The King. Greg lives in Chatham, New Jersey, with his wife and son.

Brad Nettune is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has more than 25 years of experience in wealth management, advising high-net-worth individuals, families, family offices, pensions, and endowments. His practice focuses on customized financial solutions, particularly executive services such as restricted stock sales, 10b5-1 trading plans, and wealth preservation strategies. He has expertise in trust and estate planning, philanthropic strategies, and intergenerational wealth transfer. Brad joined Merrill Lynch in 2015 after previous roles at Morgan Stanley, UBS, and as Managing Director at Bear Stearns. He earned a bachelor's degree from Lynchburg College and holds FINRA Series 7 and 63 registrations. Brad lives in Short Hills, New Jersey, with his four children. His personal interests include baseball, basketball, football, golfing, hiking, ice hockey, running, skiing, spending time with family, and traveling.

Ralph Costanza is a financial advisor with Merrill in Summit, New Jersey, holding a Series 63 designation and over 57 years of industry experience. He has been with Merrill Lynch and Bank of America since 2012. Outside of his advisory role, he serves as an advisory board member for the Fred J Brotherton Charitable Foundation. 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 investors, and charitable organizations.

Daniel Blloshmi is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in September 2022, he has utilized his extensive experience from previous roles at Citigroup and JP Morgan Wealth Management to provide disciplined wealth management services. His focus includes family wealth management strategies, managing new wealth, personal retirement planning, philanthropic planning, special needs planning strategies, women and wealth, tax minimization, and retirement income. Daniel holds multiple professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA), and others, reflecting his commitment to helping clients achieve their financial goals. He employs a disciplined wealth management process emphasizing tax minimization and asset allocation, working closely with clients' accountants and attorneys to deliver holistic financial advice. He leverages resources from Bank of America to provide customized investment and portfolio management solutions. He attended Pace University without degree conferred and is fluent in English and Albanian. Daniel participates in community service through involvement with organizations such as the Global Albanians Foundation and the Roseland Police Foundation. Outside of his professional role, he enjoys baseball, biking, golfing, music, and photography.

Janna Rosenberg is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management in Summit, New Jersey. She is a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In her role, Janna provides comprehensive financial guidance aimed at helping clients organize their finances, fulfill their financial commitments, and prepare for life's transitions while avoiding emotionally driven financial decisions. Janna has over twenty years of experience in the financial industry, having worked with both large global organizations and smaller private investment firms. Prior to joining Merrill Lynch in 2016, she served as Investment Director at JPMorgan Investment Management Global Multi-Asset Solutions. Her expertise includes professional money management and traditional and alternative investments across various asset classes. She leverages Merrill Lynch’s global research resources, as well as Bank of America's cash management, credit, and lending services, to address all aspects of clients' financial lives. She holds an MBA in Finance from New York University Stern School of Business and a Bachelor's degree in Mathematics from Ivan Franko National University of Lviv, Ukraine. Janna speaks Russian, Ukrainian, and English. Outside of work, she is involved with the Livingston NJ Rotary Club and the NCJW/Essex Center for Women. Her personal interests include spending time with her family, traveling, and practicing yoga.

Brett Bernstein is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, Merrill, Acutis Diagnostics, and Rutgers Business 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 to individual, high-net-worth, and institutional clients.

Edward Macauley is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the finance industry. He serves as a team leader and focuses on building and deepening strong client relationships by helping clients navigate life transitions and manage their financial assets toward their goals. His areas of expertise include college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible investing, values-based and ESG investing, women and wealth, and retirement income. Edward holds a Bachelor's Degree from West Virginia University and has completed an Accredited Certificate Program at Fairleigh Dickinson University. He has earned several professional designations, including Certified Financial Planner (CFP®), Chartered Retirement Planning Counselor (CRPC™), Accredited Asset Management Specialist (AAMS™), and Personal Investment Advisor (PIA). He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of work, Edward enjoys biking, fishing, football, soccer, spending time with his family, and traveling.

Erisa Bida is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill since 2019. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ayushi Shah is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she joined the Sentinel Team in 2017. Prior to this role, she worked as a Financial Advisor Associate with the Sentinel Team at Morgan Stanley in Short Hills, NJ. Ayushi's expertise includes executive compensation, equity compensation services, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. She holds a Bachelor of Science degree from Rutgers Business School and maintains her FINRA Series 7 and 66 registrations. Ayushi is also a Certified Financial Planner and a Personal Investment Advisor. Outside of her professional work, Ayushi enjoys cooking, painting, spending time with her family, and traveling. She resides in Colonia, NJ.

Pilar Cantor Gil is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2006. Outside of her advisory role, she is co-manager of APA Enterprises LLC, an e-commerce business owned jointly with her husband. 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 a range of clients including individuals, high-net-worth investors, and institutions.

Rosa Campa Hearne is a Wealth Management Advisor at Merrill Lynch Wealth Management. She holds several professional designations, including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned her CIMA designation from the Investments & Wealth Institute™ after completing education through the Wharton School of the University of Pennsylvania. Professionally, Rosa focuses on assisting high net worth individuals, small businesses, foundations, and retirees with managing risks and achieving long-term financial goals. She employs a team approach to estate and financial planning, collaborating with clients' attorneys and CPAs. She also has an interest in special needs planning and serves as a regional coordinator for the Special Needs Trust community. Rosa holds a bachelor's degree from the State University of New York at Binghamton, with a double major in History and Music, and graduated from LaGuardia High School of Music and Art in Manhattan. She resides in Monmouth County, New Jersey. Her personal interests include skiing, golf, hot yoga, and the sport of fencing, where she participates as a referee and serves on the Executive Committee and Tournament Committee of the New Jersey Division of the United States Fencing Association. She is involved in local community organizations such as the United Way of Monmouth County.

John D'Addario is a Senior Financial Advisor and co-leader of The D'Addario Group at Merrill Lynch Wealth Management. He works with individuals and businesses nationwide, focusing on comprehensive and personalized financial strategies that include tax-efficient investment planning, estate-focused personal financial planning, customized lending and credit solutions, and holistic wealth and liability management. The group emphasizes managing both assets and liabilities and supporting clients' families across all life stages. Before joining Merrill Lynch, John was a Financial Analyst at Goldman Sachs, where he supported one of the firm's trading desks through profit and loss reporting and other controller functions. He applies the analytical skills he acquired in this role to assist clients in achieving their long-term financial goals. John holds the Chartered Financial Analyst (CFA) designation, the Chartered Retirement Planning Counselor (CRPC) designation, and is a Certified Plan Fiduciary Advisor (CPFA). He also holds FINRA Series 7 and Series 66 registrations. John earned his bachelor's degree in Finance along with a Certificate in Investment Analysis from Rider University. He contributes to the Finance & Economics Department Advisory Council at Rider University. Outside of his professional work, John has interests in cooking, golfing, hiking, music, spending time with his family, and traveling.

Thomas Cahill is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 22 years of experience serving high-net-worth individuals, businesses, and retired clients. Based in the Summit Merrill office, he focuses on long-term investment strategies tailored to clients’ financial needs and risk tolerance. His approach emphasizes asset allocation with regular rebalancing, disciplined investment decisions supported by Merrill’s professional due diligence group, and access to a broad range of investment options through the BofA Global Research platform. Tom holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Mount Saint Mary's University. He is committed to providing a high level of customer service and prioritizes portfolio performance and client satisfaction. In addition to his professional responsibilities, Tom participates in community service, volunteering with local organizations in line with Merrill’s tradition of community involvement.

Charles Vail is a Wealth Management Advisor specializing in developing personalized financial strategies for individuals and families. His role encompasses investment management, retirement planning, estate planning, and tax-efficient strategies aimed at helping clients achieve their financial objectives. He provides comprehensive financial advice and maintains a client-first approach in all his interactions. With a demonstrated history of working in the financial services industry, Charles has expertise in areas such as portfolio management, family wealth management strategies, college education planning, personal retirement planning, and legacy planning. He possesses skills in Microsoft Word, banking, securities, ETFs, and ADRs. Charles holds several professional designations including Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Kutztown University. Additionally, he serves on the Board of Trustees for the Baum School of Art and is involved with the Pennsylvania Youth Ballet's Ballet Guild of the Lehigh Valley and The Baum School of Art.

Jack Carroll is a Series 66 licensed financial advisor at Merrill with one year of industry experience. Prior to joining Merrill, he worked at UBS Financial Services, Inc. for two years. His background also includes involvement with the University of Maryland Men’s Basketball program. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Laurence Haiken is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in wealth management in 1993 after graduating from Rutgers University with a bachelor's degree in Economics. He spent 12 years managing fixed income portfolios for high net worth individuals, institutions, and hedge funds at J.B Hanauer & Co. Laurence joined Bank of America in 2005 and transitioned to Merrill Lynch Wealth Management in 2009. Laurence has experience working with clients such as C-suite executives, entrepreneurs, business owners, and wealthy families. He focuses on understanding clients' business and family needs to provide customized advice, guidance, and strategies aimed at helping them achieve their financial goals. His client focus areas include college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, portfolio management, small business strategies, and retirement income. He coordinates efforts with Merrill Lynch, Bank of America professionals, and outside advisors such as attorneys and tax professionals to streamline his clients' financial lives. He holds professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Laurence is involved with professional organizations such as the Black Professional Group (BPG) and the Tri-State Black Executive Leadership Team (BELT NJ) at Bank of America. Outside of work, he has coached youth lacrosse and football and volunteers with teens and young adults transitioning from higher education to the workforce as well as those affected by addiction and mental illness. Laurence resides in Warren, New Jersey, with his wife Laurie, their four children, and five dogs.