Khaleed Beltran is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. He has been with Merrill and Bank of America since 2017 and previously worked at SunTrust Bank. 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 and profit-sharing plans, corporations, and charitable organizations.

Craig Kelly is a Series 66 licensed financial advisor at Merrill with 21 years of industry experience. He has worked at Merrill since 2014 and previously held roles at Bank of America and Fisher Investments. 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.

Jeffrey Mullaney is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he partners with clients to develop personalized financial strategies that align with their individual goals and adapt to evolving market conditions. He provides access to the investment insights of Merrill as well as the banking and lending solutions of Bank of America. Jeffrey holds a Personal Investment Advisor (PIA) designation. He earned a Master's degree from Johns Hopkins University and a Bachelor's degree from Boston College. Committed to community engagement, he volunteers with local organizations, reflecting Merrill’s tradition of participation in the communities it serves.

Timothy Bouchard is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with individuals, families, and business owners to develop personalized financial strategies that align with their priorities and goals. Timothy provides advisory services across areas including family wealth management, legacy and philanthropic planning, socially responsible and ESG investing, special needs planning, sports and entertainment, tax minimization, and retirement income. With a bachelor's degree from the University of Maryland and a Professional Investment Advisor (PIA) designation, Timothy brings a background in entrepreneurship, business development, and client service to his role. He supports clients in the Washington, DC area and nationwide, offering guidance on investing, retirement planning, and other financial decisions. Timothy is affiliated with the Alpha Tau Omega professional organization and is involved with The Light House Shelter in his community. Outside of his professional work, Timothy engages in personal interests such as billiards, fishing, golfing, photography, and running. His approach centers on understanding what matters to each client and building trust through openness and consistent communication to help navigate important financial decisions.

Kyle Scallion is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2013 after earning his bachelor's and master's degrees from Shenandoah University. Kyle holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Kyle specializes in developing customized financial strategies for high net worth individuals, families, and businesses. His client focus areas include college education planning, managing new wealth, portfolio management services, and retirement income. Kyle takes a holistic approach, considering clients' financial goals, risk tolerance, liquidity needs, and time horizons to recommend tailored investment solutions. In his personal life, Kyle resides in Ashburn, VA with his wife and two children. He enjoys spending time with his family and is a fan of baseball, football, golfing, and music.

William Wilson III is a Financial Advisor at Merrill Lynch Wealth Management, where he develops and executes custom wealth strategies for individuals and families. He brings experience in managing complex strategies including wealth management planning, single stock risk management, non-traditional investments, liability planning, and business succession planning. His client base includes business owners, private equity professionals, corporate executives, doctors, and attorneys. William employs a comprehensive approach to wealth management that starts with understanding a client's family, financial situation, and priorities. He provides access to investment insights from Merrill and banking services from Bank of America to address various financial aspects. William helps design and implement personalized portfolios, including defined and Merrill model strategies, to support retirement, education, employment changes, family dynamics, and estate planning. Originally from Johnstown, Pennsylvania, William graduated Cum Laude from The Catholic University of America with a Bachelor of Science in Business Administration in finance and a minor in entrepreneurship. He holds the Chartered Retirement Planning Counselor™ (CRPC) designation and the Personal Investment Advisor (PIA) designation. Outside of work, he enjoys playing baseball, traveling, supporting Pittsburgh sports, and exploring new restaurants.

Jessica Heckel is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. She has previously worked at UBS Financial Services and Wells Fargo Bank, NA. Heckel owns a dormant LLC, Jess for Success LLC, which is not currently active and has no related business activities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Amar Ramroop is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his career in 1995, he has worked with individuals, families, and business owners to understand their financial situations, time horizons, and liquidity needs. He assists clients in articulating their short- and long-term goals and recommends financial strategies aligned with their objectives, combining personalized service with Merrill’s investment insights and access to Bank of America’s banking services. His approach is holistic, utilizing both sides of the balance sheet to create custom wealth and liability management plans. Before joining Merrill, Amar was a Vice President at BOK Financial. He holds a Bachelor’s degree from Jai Hind College and an MBA from the University of Colorado at Denver. He also holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and the Personal Investment Advisor (PIA) designation. Amar’s client focus areas include family wealth management, executive compensation, retirement planning, tax minimization, and socially responsible investing, among others. Outside of his professional work, Amar participates in community service, volunteering with organizations such as the Second Harvest Food Bank. He enjoys spending time with his wife and two children, engaging in activities like golfing, swimming, basketball, biking, and traveling. Fluent in Hindi, Punjabi, and English, Amar emphasizes working one-on-one with clients to develop personalized financial strategies tailored to their long-term goals.

Chad Clark is a financial advisor at Merrill with 27 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 1998 and at Bank of America, N.A. since 2011. Clark also serves as a power of attorney for two fiduciary entities in Mechanicsville, Virginia. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by offering managed accounts, third-party manager selection, discretionary portfolio management, and brokerage services. The firm emphasizes manager selection, tax-focused investment strategies, and leverages its affiliation with Bank of America to provide integrated capital markets and banking support.

Megan Cunningham is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing personalized investment strategies to help clients pursue their financial goals. She focuses on understanding what is important to her clients and offers guidance in areas such as college education planning, executive compensation, family wealth management, legacy planning, small business strategies, tax minimization, and retirement income. Megan holds a Bachelor's Degree from Denison University and has completed an Accredited Certificate Program at Arcadia University. She has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Megan is actively involved in professional organizations such as the Daughters of the American Revolution and serves on the Denison University Alumni Washington, DC Regional Network Board. Her community involvement includes participation with DC Central Kitchen and Read > Lead > Achieve. Megan integrates her personal philosophy of uncovering what matters most to clients and their families to help develop strategies for pursuing financial objectives.

John Murdoch is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career after graduating with honors from Washington & Lee University in 1989 with a Bachelor of Science degree with Special Attainments in Commerce. Prior to joining Merrill in 2005, John spent nearly 15 years managing his family's wholesale and retail florist business in Easton, Maryland. Since transitioning to finance, John has earned several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®) and Certified Investment Management Analyst® (CIMA®). He provides financial advisory services to both businesses and high net worth individuals, focusing on areas such as retirement plan design and implementation, 401(k) education, and comprehensive financial planning including investments, retirement, and estate planning. John lives in Alexandria, Virginia with his wife, Emily. Outside of his professional work, he enjoys football, reading, and spending time with his family.

Emily Cunniff is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

George Vassiliou is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in retirement planning and income strategies for affluent individuals and small businesses. He provides a comprehensive approach to wealth management that prioritizes understanding clients’ life priorities and financial goals. George offers access to Merrill’s investment insights and Bank of America’s banking services to address various aspects of clients’ financial needs. As a Senior Portfolio Advisor, he combines traditional financial guidance with custom investment strategies, utilizing Merrill model portfolios and third-party investment options, and may manage portfolios on a discretionary basis through the firm’s Investment Advisory Program. With a financial services industry license since 1998 and tenure at Merrill since 2006, George holds multiple professional designations, including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), and Retirement Accredited Financial Advisor (RAFA). He is also licensed to provide insurance products such as life policies, annuities, and long-term care coverage. George’s academic background includes a Bachelor's degree from the University of Patras, a Master’s degree from the University of Washington, and doctoral work at the University of Wisconsin-Madison. Prior to his financial career, he worked as a Senior Scientist supporting NASA, the Naval Research Lab, and NOAA on Earth and Planetary Sciences projects. George is active in the Washington DC community, supporting organizations such as the National Gallery of Art ("The Circle"), Church of the Little Flower, Mater Dei School, Stone Ridge School, and Georgetown Preparatory School. He is also a member of the University Club of Washington DC. His personal interests include boating, golfing, music, and singing.

Paula Gutierrez is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2018 and previously spent time at TD Bank and Teavana. Outside of her advisory role, she works as a bartender one night a week at a restaurant/bar in Washington, DC. 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.

Drew Weinberger is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on working with individuals in the wealth accumulation and retirement phases, including law firm partners, business owners, and executives. His practice emphasizes early planning and investing to help clients maintain flexibility in their financial futures. Weinberger specializes in assisting high-achieving professionals navigate the financial complexities associated with leadership roles, such as uneven cash flow, complex compensation structures, high tax exposure, and long-term planning needs. His team provides tailored strategies covering retirement planning aligned with career trajectories and partnership structures, tax-efficient investment strategies, cash flow management for fluctuating income cycles, and estate and legacy planning. He holds a Bachelor's Degree from the University of Maryland and carries professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Weinberger is bilingual in Spanish and English and is involved in the community through the West Windsor Volunteer Fire Company No. 1 Station 43. Outside of work, his personal interests include fishing, football, hunting, music, skiing, soccer, and traveling.

Steven Hrones is a financial advisor at Merrill with 25 years of industry experience. He holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc, UBS Financial Services Inc, and Bank of America. Outside of his advisory role, he serves as a co-trustee of a trust in Silver Spring, Maryland. 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.

Ryan Kelly is a financial advisor with Merrill in Washington, DC, holding a Series 66 designation and 20 years of industry experience. His work history includes tenures at Merrill and J.P. Morgan Securities. 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.

Carlos Talamante Romo is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior roles include positions at JPMorgan Chase Bank, JPMORGAN Securities LLC, and Goldman Sachs. He serves on the boards of several nonprofit organizations focused on Latino communities and educational initiatives in the Washington, DC area. 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.

Malik Waleed is a Financial Advisor at Merrill Lynch Wealth Management with a focus on tailoring investment strategies to meet the personal and professional financial goals of his clients. He specializes in family wealth management strategies, services for endowments, foundations, non-profits, personal retirement planning, and sports and entertainment sectors. His approach emphasizes building lasting relationships based on trust, transparency, and results. Mr. Waleed holds a Bachelor's Degree in Economics from the University of Maryland and has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Born and raised in the Washington DC Metro area, he brings deep knowledge of the region's financial landscape to his client work. He maintains active involvement in community initiatives by partnering with non-profit organizations to support their financial growth and impact. Outside of his advisory role, Mr. Waleed volunteers as a girls' basketball coach and trainer in the DMV area. He is a member of Kappa Alpha Psi Fraternity Incorporated. In his personal time, he enjoys reading, attending sporting events, playing tennis, and spending quality time with his fiancée and their daughter.

James Gray III is a financial advisor with Merrill in Washington, DC, holding a Series 66 designation and nine years of industry experience. He has been with Merrill since 2017 and also has experience with Bank of America, N.A. since 2018. Outside of his advisory role, he is the owner of several for-profit entities unrelated to investment activities. 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 strategies for a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.