Matthew Saum is a Resident Director at Merrill, where he leads a team focused on delivering personalized wealth management strategies to clients and their families. He specializes in solving complex financial problems and works closely with clients to navigate liquidity events and achieve worry-free retirements. Matt's expertise encompasses executive compensation, family wealth management, new wealth management, individual and corporate investment strategies, tax minimization, and retirement income planning. He takes a holistic approach by integrating investment planning, lending access through Bank of America, and tax-efficient portfolio management. His practice primarily serves legal and financial professionals and assists them in navigating the financial markets. Prior to joining Merrill Lynch Wealth Management, Matt worked on the institutional finance side at Morgan Stanley and Telsey Advisory Group. He holds a Bachelor of Business Administration degree in Accounting from Florida Atlantic University, where he was a member of the Trading and Investment Club. Matt is a qualified Senior Portfolio Advisor and holds the Personal Investment Advisor (PIA) designation.

Peter Kelly is a Financial Advisor with Merrill Lynch Wealth Management. He collaborates with clients to understand their goals and create personalized wealth management strategies that reflect what matters most to them. His approach includes providing investment guidance and access to Merrill's portfolio management resources, as well as leveraging the products and services offered by Bank of America to address clients' entire balance sheets. Peter has over 20 years of experience in the financial industry, having worked with firms such as Wachovia Securities, AIG Securities Lending, and Charles Schwab in various roles including Repo Trading Product Supervisor, Securities Lending Trader, Institutional Fixed Income Sales, Regional Bond Specialist, and Financial Consultant. His areas of expertise include employee benefits planning, family wealth management strategies, institutional investment consulting, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Originally from Huntington, New York, Peter grew up in Manhasset, New York and earned a Bachelor of Science degree in Business Administration from the University of Richmond. He holds the Personal Investment Advisor (PIA) designation and is associated with Merrill Lynch Wealth Management. Peter moved to Florida in 2010 and currently resides in Vero Beach. He has three children and enjoys golfing, snow skiing, and spending time at the beach.

John Tovar is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill, Ameriprise, Bank of America, and Wells Fargo in various capacities. Outside of his advisory role, he is a managing member and general partner of Virtual Freedom Marketing LLC, a company focused on online merchandise sales and website development for local service niches. 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 institutions.

Thomas Nelson is a financial advisor with Merrill in Vero Beach, FL, holding Series 63 and Series 66 designations and 38 years of industry experience. He has been with Merrill since 2009 and also affiliated with Bank of America, N.A. since 2011. 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.

Zachary Shave is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their personal perspectives and priorities, aiming to develop strategies that address their unique financial goals. His approach includes assisting clients with areas such as college education planning, retirement income, family wealth management, and tax minimization. Zachary holds a Bachelor's Degree from Flagler College and has earned the Personal Investment Advisor (PIA) designation. He serves as a resource for general investing, retirement planning, and saving for unexpected events, providing ongoing advice and guidance tailored to clients' evolving needs. He also facilitates access to additional Bank of America specialists in banking, credit, home financing, and small business solutions. Beyond his professional work, Zachary is involved with United Way. His personal interests include adventure sports, boating, golfing, music, pickleball, running and marathons, scuba diving, surfing, and tennis.

Christie Green is a financial advisor with Merrill in Vero Beach, FL, holding Series 63, Series 65, and Series 66 licenses and possessing 27 years of industry experience. Her career includes roles at Bank of America, Merrill, UBS Financial Services, and Morgan Stanley. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Carleen Porreca is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill for 10 years. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Dobay is a Financial Advisor with Merrill Lynch Wealth Management. Based in Sebastian, Florida, he has been assisting individuals in planning for their financial goals since 1995. Before beginning his advisory career, John served 11 years in the military. His areas of focus include college education planning, divorce transition planning, family wealth management strategies, legacy planning, personal retirement planning, special needs planning strategies, and retirement income. John follows Merrill’s tradition of community participation and spends time volunteering with local organizations. John holds a High School Diploma from Maplewood High School and has completed an Accredited Certificate Program from The American College of Financial Services. He lives with his wife Dawn and their four boys, along with two granddaughters. Outside of work, John enjoys adventure sports, boating, cooking, football, music, traveling, and spending time with his family.

Scott Schwartz is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. He is a partner of the Shambo, Schwibner & Schwartz Wealth Management Team, serving clients in Vero Beach, throughout South Florida, and across the country. Scott focuses on providing personalized, goals-based financial strategies to a diverse client base including pre-retirees, retirees, high performers, business owners, multigenerational families, physicians, attorneys, and executives. His expertise encompasses retirement and income planning, inheritance guidance, investment analysis, tailored wealth management including cash flow analysis, and customized lending and banking services through Bank of America. Scott earned both his Bachelor and Master of Science degrees in Accounting from the University of Florida. He holds the Certified Public Accountant (CPA) designation and is a CERTIFIED FINANCIAL PLANNER® certificant awarded by the Certified Financial Planning Board of Standards, Inc. Prior to joining Merrill Lynch, Scott worked as a Senior Associate at PricewaterhouseCoopers (PwC) in New York City. He is a native Floridian and serves as the President of the Scholarship Foundation of Indian River County and is involved with the Indian River County Healthy Start Coalition. Outside of his professional responsibilities, Scott enjoys travel, culinary experiences, ice hockey, golfing, and spending time with his wife Chloe, their daughter Sadie, son Meyer, and their lab Cheddar.

Devin Reed is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, personal retirement planning, and financial guidance for women. She began her career in the financial services industry in 2004 and is committed to implementing Merrill’s goals-based wealth management process to help clients allocate resources and develop strategies aligned with their individual priorities and goals. Devin holds the Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) designation. She earned her High School Diploma from Western High School and an Associate's Degree from Indian River State College. Devin focuses on customizing financial plans to address significant life transitions such as retirement, legacy planning, wealth accumulation, and business restructuring, serving a diverse client base including business owners, professionals, families, and individuals in Vero Beach, South Florida, and nationwide. In addition to her financial advisory career, Devin is the inventor and former CEO of Molar Muncher, a baby teething product she created to meet a need she identified when she had her first child. A native of South Florida, she currently resides in Vero Beach with her family. Her personal interests include boating, cooking, fishing, gardening, music, and spending time with her family while enjoying the Florida lifestyle.

Maria Klipstine is a financial advisor at Merrill with 26 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1998. Outside of her advisory role, Klipstine is the owner of Marick Builders, Inc., and serves as an officer for two charitable foundations, the Smith Family Foundation and The MJ and ABS Foundation, both located in Florida. 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, pension plans, corporations, and charitable organizations.

Brian Shambo is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has built a team of ten professionals dedicated to serving a select number of families with a goals-based wealth management approach, focusing on custom plans that address family dynamics related to wealth preservation and succession planning. The team emphasizes responsiveness and service delivery in their work with client families. Brian holds a Bachelor’s Degree from the College of Charleston and a High School Diploma from Providence Day School. He has pursued executive education programs at Harvard University, Dartmouth's Tuck School of Business, Duke University's Fuqua School of Business, and Wharton Executive Education. His professional credentials include the CERTIFIED FINANCIAL PLANNER™ (CFP), Certified Investment Management Analyst® (CIMA), Certified Private Wealth Advisor® (CPWA), Certified Divorce Financial Analyst® (CDFA), and Certified Exit Planning Advisor (CEPA) designations. In addition to his professional commitments, Brian is involved with the Indian River Community Foundation. Outside of work, his personal interests include baseball, basketball, boating, boxing, fishing, football, golfing, soccer, softball, and swimming.

Stephanie Springer is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Vero Beach, Florida. She joined Merrill Lynch in 2013 after a career as a TV news anchor and reporter. Stephanie holds the Series 7 and 66 FINRA registrations and the Florida Life, Health & Variable Annuity license. She earned her Bachelor of Arts degree from Florida State University in 2007. Her professional focus includes assisting women with financial matters, particularly those going through significant life changes such as divorce or the loss of a spouse. Stephanie also works with younger investors beginning their financial journeys. She emphasizes connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. Her areas of expertise encompass college education planning, personal retirement planning, retirement income, and women and wealth. Stephanie lives in Vero Beach with her daughter, Lily. Her personal interests include boating, cooking, drawing and painting, photography, traveling, writing, and spending time with her family.

Baerbel O'Haire is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has provided wealth management advice to high net worth families since 1986. She serves clients in areas including college education planning, family wealth management strategies, philanthropic planning, socially responsible and ESG investing, and women and wealth. Baerbel is a graduate of the University of Florida's Warrington College of Business and holds several professional designations, including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Throughout her career, Baerbel has been recognized on the Forbes "Top Women Wealth Advisors Best-in-State" list from 2022 to 2026 and the Forbes "Best In State Wealth Advisors" list from 2021 to 2026. She was a corporate trainer for Merrill Lynch's Professional Management Development program from 1990 to 2000 and has spoken at numerous client seminars and internal nationwide conferences. Baerbel has served on multiple boards, including the Board of Trustees for Riverside Theatre, where she acts as treasurer, the fiduciary corporate board for United Against Poverty, and previously on the boards of Child Care Resources, Impact 100, and as president of the Merrill Women's Exchange of the Treasure Coast. Born and raised in Germany, Baerbel speaks fluent German and English. She resides in Vero Beach, Florida, and has three children. Her daughter Sydney works alongside her as a Financial Advisor, and her son Conor is a Wealth Management Client Associate for the O'Haire Group. Baerbel's personal interests include boating, scuba diving, skiing, swimming, tennis, traveling, yoga, and spending time with her family.

Jeremy Schwibner is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on working with transitioning professionals, including those changing companies or retiring, to review their 401(k) and other retirement plans. His approach involves uncovering hidden fees and analyzing investment options to ensure alignment with clients' short, medium, and long-term goals. He and his team have developed a goals-based wealth management process that adapts over time to clients' evolving needs, providing forward-looking advice through disciplined, agenda-driven planning. Jeremy holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification and the Certified Plan Fiduciary Advisor® (CPFA®) designation, specifically related to employer-sponsored retirement plans. He also carries the Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) designations. He earned a Bachelor's Degree from the State University of New York System and is a member of Merrill's Next-Generation Leadership Council for the 2023-2025 term. Originally from New York, Jeremy has lived in Florida since 2006 and currently resides in Vero Beach, FL with his wife, Jenna Katz Schwibner, DMD, and their three children. He is involved with the Business People We Trust of Vero Beach and the Temple Beth Shalom of Vero Beach Foundation, Inc. Outside of work, he enjoys spending time with his family and playing golf.

Matthew Heafner is a Financial Advisor with Merrill Lynch Wealth Management, focusing on providing personalized, goals-based strategies for mid- to late-career high-earning professionals. His work centers on the mass-affluent to emerging high-net-worth clients, helping them navigate complex financial decisions with clarity and structure around long-term planning. With over a decade of experience since 2012, Matthew specializes in coordinating various aspects of financial planning, including investments, benefits, taxes, and estate considerations. He assists clients through key transitions such as retirement readiness, equity compensation events, business liquidity, and multi-generational planning. Matthew holds a Bachelor's Degree from the University of North Florida and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional role, Matthew enjoys playing golf, spending time outdoors, cooking, football, hiking, photography, pickleball, scuba diving, traveling, and spending time with his family. He is committed to continuous learning and collaboration within Merrill Lynch to leverage the firm's resources and research for his clients.

Christopher Musto is a Financial Advisor at Merrill Lynch Wealth Management based in the Jupiter, Florida office. He focuses on providing personalized financial guidance to help clients navigate various life stages and achieve their unique financial goals. Christopher specializes in areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. With over two decades of experience, Christopher adopts a planning approach that emphasizes building strong and lasting relationships. He collaborates with clients to uncover and prioritize their short- and long-term goals, designing customized financial plans implemented through resources available from Merrill Lynch and Bank of America. Regular progress reviews and plan updates are integral to his method. Christopher holds a bachelor's degree in finance and economics from the University of South Florida and an MBA in Finance from Nova Southeastern University. He has earned the Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA) designations. He is involved with professional and community organizations such as the Coastal Conservation Association, Jupiter Tequesta Rotary Club, Friends of Jupiter Beach Beach Cleanup, and serves as a Palm Beach County poll worker. Christopher lives in West Palm Beach with his wife and enjoys travel and outdoor activities in South Florida's climate.

David Walker is a Wealth Management Advisor at Merrill Lynch Wealth Management in Vero Beach, Florida, where he serves affluent individuals, not-for-profit organizations, and corporations. He joined Merrill Lynch Global Private Client Group in 1999 and holds the position of Senior Vice President. David specializes in corporate executive services, divorce transition planning, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, and philanthropic planning. David is a CERTIFIED FINANCIAL PLANNER® certificant and holds multiple professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned both his Bachelor's and Master's degrees from Pepperdine University in Malibu, California, where he was an NCAA water polo player and studied abroad in Florence, Italy. He lives in Vero Beach with his wife Carol and their two children, Catherine and Dean. David has served as a board member for the Exchange Club of Indian River County and currently serves on the board for the Vero Beach Air Show. Additionally, he supports the Diabetes Research Institute Foundation. His personal interests include soccer, spending time with his family, surfing, swimming, and traveling.

Vandra Braswell is a Wealth Management Advisor with Merrill Lynch Wealth Management. She focuses on family wealth management strategies, legacy planning, and personal retirement planning. In her role, Vandra follows a disciplined approach to provide tailored financial strategies, working closely with clients and their trusted advisors to help align all aspects of their financial lives with their priorities and goals. Vandra holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) credential, as well as the Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) designations. She earned her bachelor's degree from the University of North Carolina at Chapel Hill. Residing in Raleigh, North Carolina, Vandra is involved with the community as a member of Christ Church (Episcopal) and participates in organizations such as NCFC and F3. She serves on the board of Family Promise of the Triangle and enjoys activities including hunting, reading, soccer, tennis, yoga, and spending time with her family.

Maureen Lord is a financial advisor with Merrill in Vero Beach, FL, holding a Series 66 credential and 14 years of industry experience. She has been with Merrill since 2006. She serves as a back-up signer on bank accounts for two family-owned LLCs that are not investment related. 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.

Lawrence Brashears is a financial advisor at Merrill with Series 63 and Series 65 credentials and 49 years of industry experience. He has been with Merrill since 1978 and is currently affiliated with Bank of America, NA since 2025. Brashears serves as trustee for several personal trusts in Vero Beach, 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Pamela Punkar is a financial advisor with Merrill in Vero Beach, FL, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. She has been with Merrill since 1994 and has concurrently worked 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Rinchack is a Senior Financial Advisor with Merrill Lynch Wealth Management. He utilizes a disciplined wealth management process to provide financial advice and guidance for individuals, families, and business owners. Joseph offers access to the investment insights of Merrill and the banking convenience of Bank of America to help address various aspects of clients' financial lives, including investment selection, retirement planning, college savings strategies, legacy planning, and philanthropic giving. Prior to joining Merrill in 2011, Joseph served in the United States Marine Corps from 1989 to 1993, attending boot camp at Parris Island, South Carolina, and serving at Marine Corps Air Station El Toro, Okinawa, Japan, and Camp Pendleton. He attended the University of Maryland while serving and holds a High School Diploma from Ithaca High School. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Joseph resides in Vero Beach, Florida, with his wife Cassie and their eight children. He is active in his community, serving as President on the board of the Navy League of the United States Treasure Coast Council. Alongside his family, he supports foster families and raises awareness of autism. In his personal time, Joseph enjoys golfing, running, swimming, and spending time with his family.

Sydney O'haire is a Financial Advisor at Merrill Lynch Wealth Management, where she works within the O'Haire Group. She joined Merrill Lynch in 2020 and serves clients by supporting their financial goals and planning needs. Sydney's client focus areas include education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Sydney earned a Bachelor of Arts degree in Political Science and Sustainability Studies from the University of Florida in 2014 and a Master of Fine Arts degree in Cinema Directing from DePaul University in 2018. She holds the designation of Personal Investment Advisor (PIA). Bilingual in English and Spanish, Sydney began her financial advisory career under the mentorship of her mother, Baerbel O'Haire, and has since developed a focus on helping clients achieve financial and broader personal goals. As a member of the LGBTQ+ community, she also serves clients within this community and beyond.

Kyle Morgan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with the firm since November 1991, providing wealth management services to high-net-worth individuals and families. Kyle focuses on delivering personalized financial strategies and offers expertise in qualified retirement plans for corporations and non-profit organizations, including plan sponsor consulting services such as investment tracking, provider selection, and employee investment education. Kyle holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc., the Certified Plan Fiduciary Advisor® designation, and maintains Series 7, 66, 9, and 10 FINRA registrations. He earned a Bachelor of Science degree in Business Administration from the University of Florida. In his community involvement, Kyle has served in leadership roles with the United Way of Indian River County, including co-chairing the 2016-2017 annual capital campaign and serving as Board Chair for the United Way Foundation of Indian River County from 2014 to 2017. He has also served on the boards of the VNA of the Treasure Coast and United Way of Indian River County. Kyle resides in Vero Beach with his wife Debbie and their two daughters.

Marsha Peterson is a financial advisor with Merrill, holding a Series 66 designation and over 37 years of industry experience. She has been with Merrill since 1985. Outside of her advisory role, she is associated with a family-owned property management business, although she has no active responsibilities there. 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, offering both model-based and discretionary investment strategies.

Joseph Flotteron III is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 following a 24-year career at UBS Financial Services (formerly PaineWebber) in Princeton, New Jersey. He holds the designation of Senior Portfolio Manager within Merrill’s Investment Advisory Program, enabling him to design and manage investment portfolios tailored to each client's financial goals and circumstances. Joseph's expertise includes building personalized investment strategies that may incorporate individual stocks and bonds, Merrill model portfolios, and third-party solutions. He leads the Flotteron Group's investment strategies, working closely with clients to develop portfolios reflecting their objectives, risk tolerance, time horizon, and cash flow needs. He collaborates with clients' legal and tax advisors to create integrated, long-term financial plans. He began his career as a Certified Public Accountant at Price Waterhouse in New York City, focusing on banking and brokerage audits and tax preparation for Fortune 500 executives. Joseph holds a Bachelor of Science degree in Accounting from Villanova University. Outside his professional role, he has served as a founding advisory board member of the Salvation Army of New Jersey and supports the Wounded Warrior Project. His personal interests include tennis, boating, water-skiing, and gardening.

Diann Sikora is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2015. 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 plans, corporations, and charitable organizations.

Jeffrey Petersen is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional, providing a personalized Goals Based Wealth Management approach to a select group of clients, where he constructs, executes, and tracks tailored wealth management plans. Jeffrey holds a Bachelor of Engineering from Vanderbilt University, a Master of Business Administration from Northwestern University's Kellogg School of Management, and a Master of Engineering Management from Northwestern University's McCormick School of Engineering and Applied Sciences. He also holds professional designations as a Personal Investment Advisor and in Sports & Entertainment. He has served as Board Chair for the United Way of Indian River County from 2022 to 2024. Outside of his professional work, Jeffrey's personal interests include cooking, fishing, rock climbing, skiing, soccer, tennis, yoga, and spending time with his family.