Travis Bowersox is a Wealth Management Advisor and Portfolio Advisor with Merrill Lynch Wealth Management, serving clients in The Villages, FL. He specializes in wealth management planning, professional investment management, and providing financial strategies tailored to high net worth families, CEOs, business owners, executives, and retirees. Travis earned a Bachelor's degree in Finance from the University of Central Florida School of Business. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). He is also the founding member and current president of The Villages Estate Planning Council, which comprises professionals such as attorneys, CPAs, and trust officers. Outside of his professional commitments, Travis enjoys an active lifestyle with interests in biking, chess, cooking, hiking, rock climbing, running, swimming, and spending time with his family. He resides in Mount Dora with his wife, Sarah, and their daughter, Ella.

Chad Seman is a Financial Advisor with Merrill Lynch Wealth Management, specializing in goals-based wealth management services with a focus on retirees. He assists clients in defining specific investment goals and developing personalized financial plans aimed at achieving and maintaining a comfortable retirement lifestyle. His approach emphasizes understanding clients' priorities and creating strategies tailored to their individual needs, family situations, and aspirations. Chad's expertise encompasses areas such as retirement planning, portfolio management, tax-efficient investing, estate planning services, and risk management. He works closely with individuals, families, and businesses to grow and protect their wealth through tailored strategies. His client focus includes college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, portfolio management services, tax minimization, and retirement income. He holds a Personal Investment Advisor (PIA) designation and completed an Accredited Certificate Program at the University of Central Florida. Chad earned his Bachelor's degree from Keiser University. Outside of his professional work, his personal interests include chess, cooking, football, music, reading, spending time with his family, traveling, and watching movies.

Lesli Luther is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Luther Group, a financial advisory team based in The Villages, Florida. She provides customized wealth strategies and integrated advice to individuals and families, helping them address their priorities and pursue their goals. Lesli leads a multidisciplinary approach that includes investment management, retirement planning, trust and estate planning services, higher education savings, and charitable giving. Her expertise encompasses a range of client focus areas such as college education planning, family wealth management strategies, legacy planning, philanthropic planning, portfolio management services, and retirement income. Lesli holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a High School Diploma from Miami Killian High School, attended American Public University without degree completion, and holds an Associate's Degree from Brevard Community College. Lesli follows the Merrill tradition of community involvement and spends time volunteering with local organizations. Outside of work, she enjoys activities including biking, boating, cooking, gardening, interior decorating, music, reading, tennis, traveling, yoga, Pilates, cultivating orchids, and walking her dogs, Luci and Chloe, throughout The Villages.

Matthew Nimah is a Financial Advisor at Merrill Lynch Wealth Management. He leads a wealth management practice that serves a select group of clients nationwide, including successful business owners, corporate executives, and multi-generational, globally mobile families. His approach centers on comprehensive, long-term financial planning to build, manage, and preserve wealth across generations and borders. He focuses on client areas such as executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, international wealth management, legacy planning, portfolio management services, and tax minimization. Matthew emphasizes the importance of ongoing planning in navigating financial complexity and expanding optionality as wealth grows. Matthew holds a Bachelor's Degree from the University of Florida and has professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He is involved with professional organizations such as the Rotary of Downtown Orlando, Rotary of Longwood Florida, and chapters of YNG in Miami and Orlando. Outside of work, he enjoys basketball, billiards, golfing, hiking, pickleball, rock climbing, scuba diving, and skiing.

Larry Tyree is a financial advisor at Merrill with 49 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1976, also working at Bank of America since 2009. 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 clients, pension plans, and charitable organizations.

Patrick Kavanaugh is a financial advisor at Merrill with eight years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Bank of America and Merrill since 2021. Prior to that, he was with Fifth Third and Fifth Third Securities from 2007 to 2021. Outside of his advisory role, he is the owner of The Bowl Bar LLC, a limited liability company based in Florida. 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.

Michael Rose is a Wealth Management Advisor with over 24 years of progressive experience in retail, commercial, and wealth management. He focuses on full-service wealth management planning, asset management, and risk mitigation, assisting clients with portfolio management, retirement planning, business succession planning, 401(k) services, estate planning strategies, portfolio construction, and risk management through insurance, long-term care, and annuities. Michael holds a Bachelor's degree from Radford University and a Master's degree in Business Administration from the University of Florida. He maintains professional designations including Chartered Financial Consultant (ChFC) and Personal Investment Advisor (PIA). His client focus areas include college education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. Outside of his professional activities, Michael enjoys baseball, boating, cooking, fishing, football, golfing, horseback riding, reading, tennis, and woodworking. He is affiliated with Merrill Lynch Wealth Management and resides in Ocala with his family.

Frederic Siyufy is a Senior Financial Advisor with Merrill Lynch Wealth Management based in The Villages, Florida. He began his financial services career in 1988 and has developed extensive experience managing individual wealth through multiple and complex market cycles. His primary focus includes investment planning for retirement, where he employs a comprehensive approach that starts with understanding each client's unique goals and needs. Frederic holds a Bachelor's Degree from the University of Central Florida and the Personal Investment Advisor (PIA) designation. In addition to his professional responsibilities, he dedicates time to volunteering with community organizations, reflecting a commitment to the tradition of community involvement upheld by Merrill Lynch.

Robert Luther is a Wealth Management Advisor with Merrill Lynch Wealth Management and a senior advisor for The Luther Group. Since beginning his career in financial services in 2002, he has focused on estate planning strategies, portfolio construction, and client reviews. He was the founding president of the Tri-County Estate Planning Council of The Villages, Florida, and is a member of the Estate Planning Council of Marion County, Florida. Robert holds several professional designations, including Chartered Financial Consultant® (ChFC®), Chartered Life Underwriter® (CLU®), Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated from Florida State University with a bachelor's degree and also completed a master's degree at the same institution. His client focus areas include college education planning, family wealth management strategies, legacy planning, portfolio management services, women and wealth, and retirement income. Robert resides in Fruitland Park, Florida, with his family. His personal interests include adventure sports, biking, and chess.

Clay Palmer serves as the Senior Resident Director of The Villages Branch Office and as a senior advisor for The Palmer Group at Merrill Lynch. He works with affluent families, individuals, and business owners in Central Florida, focusing on financial strategies and wealth management services. His approach emphasizes understanding clients' needs to build comprehensive investment plans that integrate various aspects of their financial lives. Clay graduated from Auburn University with a degree in Mechanical Engineering and holds a Master's Degree in Business Administration from the University of Central Florida. Before joining Merrill Lynch Wealth Management in 2008 as a Financial Advisor, he held engineering and project management roles at Progress Energy, FL. His expertise includes portfolio construction, client reviews, and retirement analysis. Clay holds the Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA) designations. Clay and his wife Jennifer reside in Lady Lake with their children. He engages in various personal interests including adventure sports, boating, fishing, football, golfing, reading, swimming, traveling, and spending time with his family.

Anthony Gould is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2012, he has concentrated on portfolio analysis and the development of customized wealth management plans, including social security planning. Anthony specializes in family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. He holds a Bachelor’s Degree in Business Administration from the University of Central Florida and has earned several professional designations, including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Raised in Lady Lake, Florida, Anthony resides in Wildwood with his wife Kate and their children, Rylie and Bryson.