Laura Hickman is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at KeyBank and Key Investment Services LLC prior to joining Merrill and Bank of America in 2024. Outside of her advisory role, she is an independent representative for Avon, a cosmetics 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 offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Chelsea Beltre is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has held prior roles at Bank of America N.A., Suncoast Credit Union, and General Dynamics Information Technology. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Espinosa is a financial advisor at Merrill with a Series 66 credential and no industry experience. His work history includes roles at Bank of America, Uber, Target, and several other companies. 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 variety of clients including individuals, high-net-worth clients, and institutional investors.

Nicole Cassidy is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 license and has concurrent roles at Merrill, Bank of America, N.A., and CVS Pharmacy, where she works as a registered pharmacy technician. 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 diverse client base including individuals, high-net-worth clients, and institutions.

Daniel Nicholls Franco is a financial advisor with Merrill based in Tampa, FL, holding a Series 66 designation and bringing nine years of industry experience. He has worked at Merrill since 2016 and 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 investment strategies for individuals, high-net-worth clients, and various institutional accounts.

Tyvan Sunday Jr. is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America and the University of South Florida. Outside of his advisory work, he has experience in catering through his involvement with Catering by the Family. 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 institutional investors.

Tammy Pleicones is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been with Merrill since 2016. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Naomi Kaffke is a financial advisor with Merrill, holding a Series 66 credential and based in Tampa, FL. She has been with Merrill and Bank of America since 2026. Prior to her current role, her background includes experience in the restaurant and retail sectors, including positions at Streetlight Taco Henderson, Cameron Mitchell Restaurants, and Lithia Motors. 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.

Jessica Williams is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2014, with a one-year tenure at BofA Securities in 2019. Outside of her advisory role, she is a General Partner and Managing Member of an LLC that manages her family’s property to support her mother’s assisted living expenses. 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 plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Sean Corey is a financial advisor with Merrill in Tampa, FL, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Bank of America and Merrill since 2011. Outside of his advisory role, he serves in legal capacities including executor and power of attorney for a private entity. 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Amrou Kenjawi is a financial advisor at Merrill with seven years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Bank of America, Wells Fargo Clearing Services, LLC, and Wells Fargo Bank NA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Robert Adikes III is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Bank of America and Axa Advisors. 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 variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Frank Miles III is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones from 2015 to 2019. Outside of his advisory role, he performs music on weekends as part of a two-person band. 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 various institutional investors.

Andrey Niantchev is a Wealth Management Advisor currently serving as a Merrill Resident Director. He brings 20 years of experience in financial services, having started his career at Citibank in 2005. Over his career, Andrey has held roles at Wells Fargo Private Bank, Abbot Downing (formerly Wells Fargo Family Wealth), First Republic Bank, Prudential Financial, and BBVA Global Wealth. He has worked closely with high net worth individuals, corporate executives, and institutional clients, managing assets and liabilities ranging from $1 million to $1 billion. His approach emphasizes a full balance sheet perspective, integrating both personal and business financial needs to develop tailored wealth management strategies. Andrey holds a Bachelor of Arts in Economics and an MBA from San Francisco State University. He has earned multiple professional designations including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Market Technician (CMT), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Fluent in English and Russian, he utilizes his education and extensive industry experience to provide comprehensive financial guidance and portfolio management services. Based in Danville, California, Andrey enjoys spending time outdoors with his wife, Anastasiia, and their two children, Katerina and Viktor, particularly at their cabin near Yosemite National Park. He is actively involved in his community and serves as a board member for the Epilepsy Foundation of Northern California. His personal interests include chess, hiking, and swimming.

Afsana Khan is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Her prior work history includes roles at Bank of America, Synerfac Inc, Kohl's Inc, and several other firms. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary strategies designed for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Micah Hochstetler is a financial advisor with Merrill in Tampa, FL, holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Merrill, he worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. He also has a background that includes roles in education and self-employment. 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 individuals, pension and profit-sharing plans, corporations, and charitable organizations.

Oscar Guerra Falconi is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and five years of industry experience. He has worked at Bank of America N.A. and Bank of America/Merrill since 2022, and previously at Raymond James Financial Services and Raymond James & Associates. Outside of his advisory role, he consults part-time on debris cleanup efforts for the City of St. Petersburg following recent hurricanes. 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 individuals, high-net-worth clients, and institutional investors.

Anja Stinnett is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. Her role involves providing financial advisory services to clients with complex financial needs, focusing on retirement planning, investment consulting, and portfolio management. Anja is part of a team recognized for designating Retirement Planning Advisory expertise in the region. The team serves affluent individuals and organizations across multiple states, offering customized strategies to address diverse financial objectives. While specific details about Anja’s personal credentials or education are not provided, the group’s collective experience includes advanced certifications and continuous education in financial management and retirement planning. In her personal life, Anja resides in Clifton Park alongside her husband, Mike, who is involved in community service roles including serving on the U.S. Military Academies selection committee and as a committee member for Save the Children.

Anthony Cappelluzzi is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked with several firms, including Bank of America and Horace Mann Investors. Outside of finance, he has experience in education, having been involved with Armstrong Tutoring and Tampa Catholic High School. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Gabriel Sanchez is a financial advisor at Merrill with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Merrill and Bank of America in 2026, he worked at JPMorgan Chase Bank, J.P. Morgan Securities, and MassMutual Northwest. He served 23 years in the US Navy and has entrepreneurial experience with Lullaby Rebel. 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.

Kathryn Conroy 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 Proforma. Outside of finance, she has held roles in the hospitality and food service industries, including positions at Fresh Kitchen and Outback Steakhouse. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.