Robert Robinson serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he focuses on connecting clients to the people, plans, and processes that align with their individual ambitions. His work emphasizes planning for key life goals, including funding education, preparing for retirement and healthcare expenses, and developing tailored strategies to support long-term family objectives. Robinson holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's degree from the University of Florida. His approach incorporates clients' personal perspectives and priorities, aiming to simplify the complexities of investing and wealth planning.

Richard Loud is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has prior work experience at United Ground Express and Delta Global Services. He is based in Tampa, FL. Merrill, together 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 provides model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and institutional investors.

Andrew Kohl is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their financial priorities and develop strategies to address their short-, mid-, and long-term goals. His advisory services encompass general investing, retirement planning, and preparing for unforeseen financial needs. He also facilitates client access to Bank of America specialists for banking, credit, home financing, and small business solutions. Kohl’s areas of expertise include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations and is registered with NMLS ID 2399358. His educational background includes a high school diploma from Harrison High School and attendance at Georgia Southern University without degree conferral. Outside of his professional role, Andrew Kohl is involved with Kiwanis International. He enjoys adventure sports, basketball, fishing, football, golfing, music, and spending time with his family. He is an enthusiastic NFL football fan who follows games regularly with his wife and two young children.

Michael Shimberg is a Private Wealth Advisor and Managing Director within Merrill Private Wealth Management. He provides comprehensive financial services to individuals, entrepreneurs, families, and businesses, delivering a family-office experience with customized support and financial oversight through a boutique-like practice within Merrill. He joined Merrill in 2003 and has been a member of The Valdes Group since 2007. Prior to that, Michael began his career in 1994 as an accountant specializing in financial services and worked five years at a regional brokerage firm. With over two decades of experience, Michael applies his expertise in financial management, cash flow analysis, legacy planning, estate coordination, retirement planning, tax minimization strategies, and employee benefit plans. He holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP®), Certified 401(k) Professional (C(k)P®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment (SE). He earned his bachelor's degree in accounting from Bucknell University. Michael is involved in community organizations such as Meals on Wheels and Tampa Preparatory School. He was born and raised in Tampa, where he currently resides with his wife and two children. His personal interests include cooking, football, golfing, skiing, soccer, spending time with family, traveling, and watching movies.

Michele Hunter is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with Merrill since 1995 and concurrently affiliated with Bank of America since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, supported by trading, account administration, and custody services.

Natalia Konstantinova is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and 19 years of industry experience. Prior to joining Merrill in 2024, she worked at Prudential Insurance Company of America and Pruco Securities, LLC for 11 years, and at Citigroup Global Markets for five years. 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.

Karen Hernandez is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017 and previously was employed at The Buckle from 2013 to 2017. Based in Tampa, FL, her background spans both financial services and retail sectors. Merrill, along 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. The firm offers a range of model-based and discretionary investment strategies crafted by internal teams and third-party managers, with support for trading, account administration, and custody.

John Hinken is a financial advisor at Merrill with Series 63 and Series 65 credentials and 46 years of industry experience. He has worked at Merrill since 1979 and has been associated with Bank of America, N.A. since 2009. Outside of his advisory work, he serves as president of the American Shotokan Kenkojuku Karate-Do Alliance, a nonprofit organization, and teaches quarterly clinics. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Liane Conceicao is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Bank of America team. She supports clients by developing personalized financial strategies that align with their short-, mid-, and long-term goals. Her approach includes understanding what matters most to each client and providing guidance on general investing, retirement planning, liquidity management, and legacy planning. Liane also connects clients to Bank of America specialists for banking, credit, home financing, and small business solutions. Liane's areas of focus include family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, and retirement income. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Her educational background includes a High School Diploma from Classical High and an Accredited Certificate Program from the Community College of Rhode Island. Born and raised in Rhode Island within a Cape Verdean family, Liane values hard work, family, and planning for future generations. She is fluent in English, Spanish, and Portuguese. Outside of her professional role, Liane enjoys cooking, dancing, music, reading, and spending time with her family.

Carla Rossi is a financial advisor with Merrill in Tampa, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill since 2015. Outside of her advisory role, she is the sole owner of a rental property in Doral, FL. 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Aaron Weser is a Wealth Management Advisor with Merrill Lynch Wealth Management in Tampa, Florida. He serves the wealth management needs of high-net-worth individuals and multiple generations of their families. He utilizes his background in portfolio strategy to help clients create tailored financial strategies that align with their most important objectives. Aaron has held several roles within Merrill Lynch, including Financial Solutions Advisor, Associate Wealth Management Specialist, Investment Associate, and Portfolio Strategist. His expertise includes portfolio management services, family wealth management strategies, legacy planning, liquidity management, retirement income, philanthropic planning, and tax minimization. He focuses on helping clients gain confidence in their financial lives by formulating thoughtful financial plans and helping them navigate uncertainty. Aaron earned a Bachelor's degree in economics and finance from the University of Hartford and an MBA from Penn State University. He holds the Certified Investment Management Analyst (CIMA) and Certified Private Wealth Advisor (CPWA) designations. Outside of work, he enjoys cooking, football, golfing, reading, spending time with his family, traveling, and watching movies.

Marc Spencer is a financial advisor with Merrill in Tampa, FL, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has worked at Bank of America, N.A. and Merrill since the mid-1990s and is currently involved in several community organizations, including serving on the finance committee for Christ the King, the board of directors for the Boys & Girls Club of Tampa Bay, and as a board member of Feeding Tampa Bay. 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 charitable organizations.

Candice Cason is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 credential and has been with Bank of America and Merrill for the past 10 years. Outside of her advisory work, she operates a small photography business called Mash Studios Photography. 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 led by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Penny is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since 2004, he has advised individuals, business owners, and corporate executives across multiple states. He joined Merrill Lynch in 2012 after serving as a limited partner at his prior firm. His expertise includes fixed income holdings, tax minimization strategies, and integrating estate planning into portfolio management by collaborating with financial professionals such as Estate Planning Attorneys and CPAs. Michael oversees both the accumulation and distribution phases of client relationships. His client focus areas include corporate executive services, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Michael earned a B.S. in Economics from the University of Tampa, graduating with the highest honors and ranking first in his business class. He holds professional designations including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He and his wife Laura have two children and have lived in Tampa for over two decades. Michael has been involved with or volunteered for organizations such as The Tampa Exchange Club, Rotary, Kiwanis, The Tampa Alpha Club, and Lifelink Foundation.

Brandon Ramsey is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services, Bank of America, and Quiksilver. His background includes a five-year period at Florida Gulf Coast 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ann Vakalis is a financial advisor with Merrill in Tampa, FL, holding Series 63 and Series 65 licenses. She has 40 years of industry experience, including 14 years with Merrill Lynch, Pierce, Fenner & Smith Incorporated. 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.

Haykuhi Poghosyan is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in providing personalized financial guidance tailored to the unique situations of her clients. Her areas of expertise include college education planning, employee financial health, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, and retirement income planning. Poghosyan holds a Bachelor's Degree from Yerevan University of Economy and Law. She has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Fluent in English and Armenian, she is committed to building lasting relationships founded on trust, integrity, and genuine care. Her approach focuses on understanding clients and their families to develop personalized strategies that support their financial goals. Outside of her professional work, Haykuhi enjoys cooking, dancing, music, and traveling. Her mission is to be a long-term partner who helps clients navigate their financial journey with clarity and confidence.

Lee Yost is a Senior Financial Advisor with Merrill Lynch Wealth Management, a position he has held since joining the firm in 2008. He works with clients from diverse industries to identify their unique goals and priorities, offering financial guidance that takes into account important changes in their lives. Lee assists clients in planning for retirement, managing wealth, and transferring legacy, regularly reviewing their accounts and strategies to align with their evolving needs. Lee holds a Bachelor's degree in business administration from the University of Florida in Gainesville and has earned the Chartered Retirement Planning Counselor™ (CRPC™) designation as well as the Personal Investment Advisor (PIA) designation. He has been recognized by Forbes, being named to the "America's Top Next-Generation Wealth Advisors" list in 2018 and the "Best-in-State Next-Generation Wealth Advisors" list in 2019. Residing in Tampa with his wife Kimberly and their two children, Hayden and Jordan, Lee participates in community activities including youth baseball and is a member of the Kiwanis Club of Carrollwood. In his spare time, he enjoys watching baseball, football, golfing, and spending time with his family.

Walid Mourad is a Wealth Management Advisor at Merrill Lynch Wealth Management. In his role, he focuses on providing clients with a comprehensive approach to managing their wealth, beginning by understanding the client's personal and financial situation and what matters most to them. He helps create customized wealth management strategies that are adaptable to changing client needs and market conditions. Walid also provides access to Merrill's investment insights alongside the banking and lending solutions of Bank of America to address various aspects of clients' financial lives. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, employee financial health, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Walid holds the Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA) designations and earned a Master of Business Administration (MBA) from the University of Wisconsin System. Walid participates in community activities, reflecting the tradition of Merrill Lynch's community involvement, and dedicates time to volunteering with local organizations. In his personal time, he enjoys biking, boating, camping, cooking, fishing, gardening, running, swimming, traveling, and spending time with his family.

Crystal Bahr is a Series 66-licensed financial advisor at Merrill with 20 years of industry experience. She has been with Merrill since 2008 and is based in Tampa, FL. 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 using model-based and discretionary investment strategies.