Joseph Hughes is a Senior Financial Advisor at Merrill Lynch Wealth Management based in the Washington, D.C. office. He works within a broad wealth management team, focusing on guiding clients through their financial priorities using a thoughtful, relationship-focused approach. His expertise includes personal retirement planning, portfolio management services, sports and entertainment, and tax minimization. Joseph believes that managing wealth extends beyond building investment portfolios and involves collaborating with clients to define what matters most as they prepare for life’s next stages. He assists clients in navigating the cycles of life while keeping focus on key priorities such as family, finances, health, home, leisure, work, and giving. Joseph holds a Bachelor's Degree from Virginia Polytechnic Institute & State University. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition, Joseph participates in community volunteering aligned with the Merrill tradition. His personal interests include golfing, ice hockey, and skiing.

Nathan Marsden is a financial advisor with Merrill in Washington, DC, holding a Series 66 designation. He joined Merrill and Bank of America, N.A. in 2025 and has prior experience in logistics and investment-related roles, including at Putnam Investments and the University of South Carolina. Merrill serves a broad client base ranging from individuals to institutional investors, offering diversified managed account programs, discretionary portfolio management, and brokerage services. The firm is noted for its integration with Bank of America affiliates and its emphasis on tax-efficient investment strategies and manager selection.

Dallas Disbro is a Financial Advisor and Portfolio Advisor with Merrill Lynch Wealth Management. He has been providing financial advice and personalized guidance since joining Merrill in 2014, with experience serving individuals, families, and business owners. Dallas offers tailored wealth management strategies focused on retirement planning, education funding, liquidity events, and wealth transfer, aligning with his clients' unique financial goals and timelines. Dallas holds the Chartered Retirement Planning Counselor (CRPC) designation and the Portfolio Advisor title from the Merrill Investment Advisory Program. He also holds FINRA Series 7 and Series 66 registrations. Prior to Merrill, he worked at AXA Advisors as a Financial Consultant specializing in retirement benefits for public school employees. Dallas earned two Bachelor of Arts degrees with institute honors in Economics & Business and Spanish from the Virginia Military Institute, where he also minored in Leadership and concentrated in Financial Management. In addition to his professional work, Dallas is actively involved in the spinal cord injury and disability community in the Greater Washington DC area. Since 2017, he has served as a board member and acting President of the United Spinal Metro DC Chapter. He was honored with the naming of The Dallas Disbro Ability Center at the Sheltering Arms Institute, a physical rehabilitation hospital. Dallas incorporates special needs planning into his financial practice to assist clients with long-term disabilities and families with special needs individuals. He resides in Washington, D.C., and his personal interests include international travel, live music, dancing, and sports.

Keyan Tahmasebi is a Financial Solutions Advisor (FSA) affiliated with Merrill Lynch Wealth Management. In this role, he focuses on understanding clients' priorities to assist them in developing strategies aimed at achieving their short-, mid-, and long-term financial goals. He serves as a resource for a range of financial matters including investing, retirement planning, and preparing for unexpected expenses. Tahmasebi holds the professional designation of Personal Investment Advisor (PIA) and has completed an Accredited Certificate Program through Kaplan Financial Education. He collaborates with clients to address their financial concerns and questions, providing ongoing guidance as their needs evolve. Additionally, he can connect clients with Bank of America specialists for banking, credit, home financing, and small business solutions.

James Giaccia serves as a Senior Financial Advisor at Merrill Lynch Wealth Management, where he helps clients develop personalized and durable financial strategies tailored to their unique goals and life circumstances. His approach emphasizes deep listening, thoughtful planning, and disciplined execution to support busy, high-achieving individuals and families with comprehensive wealth management. He advises clients across a broad range of financial needs including banking and cash management, corporate executive services, portfolio construction, investment management, insurance and risk management, and trust and estate planning coordination. James has experience working with equity compensation, retirement planning, major life transitions, and liquidity management. Originally from Palo Alto, California, James attended American University in Washington, DC, where he competed as a varsity wrestler. He holds a Bachelor's degree from American University and carries professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). James participates in the American University Alumni Association and is involved with the Eagle Regional Training Center in his community. His personal interests include boating, cooking, football, golfing, music, reading, running, and spending time with his family.

Connor Kannapell is a Financial Advisor at Merrill Lynch Wealth Management, where he joined in 2020. He specializes in counseling families and business owners through periods of transition, complexity, and uncertainty, addressing sophisticated planning needs such as the sale of closely held businesses, equity award vesting, initial public offerings, inheritance, and retirement. Connor focuses on providing straightforward counsel to help clients organize and simplify their financial affairs and work towards an intentional wealth strategy. He holds the Certified Exit Planning Advisor (CEPA) and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designations, along with Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) credentials. Connor has expertise in advanced retirement planning, exit planning for small business owners, 401(k) and employer-sponsored plans, portfolio management, equity compensation planning, and tax minimization. He earned his Bachelor's Degree from the College of Charleston. Connor lives in Washington, D.C., and enjoys traveling, golfing, waterfowl hunting, and volunteering for his alumni association. He supports community organizations including A Wider Circle, Alzheimer's Association, Miracle League of the Triangle, and the Chesapeake Bay Foundation.

Christie Tran is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she worked at the Applied Research Laboratory for Intelligence and Security and was involved with University of Maryland Athletics and the university itself for three 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jorge Martinez is a Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2024. He has been working in the financial industry since 2015, accumulating nearly 11 years of experience focused on building client relationships and providing tailored financial advice. Jorge specializes in managing new wealth, personal retirement planning, and retirement income. He works closely with clients to develop personalized strategies that align with their goals and priorities, emphasizing understanding the implications of financial decisions. His approach centers on fostering strong client relationships to support comprehensive financial planning. He holds the Chartered Retirement Planning Counselor™ (CRPC™) and Personal Investment Advisor (PIA) designations. Jorge earned his bachelor's degree from the State University of New York at Buffalo. He resides in Liverpool, NY, with his wife Tiffany, their son Benny, and two dogs, Colby and Moose. In his personal time, he enjoys cooking, music, and spending time with his family.

Joseph Lampman is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with Merrill clients to understand their current financial situations and presents solutions available through Merrill and Bank of America. Joseph holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from James Madison University. He focuses on helping clients identify their financial goals and develop strategies tailored to their needs.

Clare Cunniff is a Financial Advisor at Merrill Lynch Wealth Management, where she works closely with affluent individuals and families to pursue their financial goals through thoughtful and tax-sensitive investment guidance. In her role, Clare manages all aspects of clients' financial lives, providing services such as college education planning, family wealth management strategies, managing new wealth, portfolio management, tax minimization, and retirement income planning. She earned her Bachelor's degree in Finance from Elon University. Clare has attained several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She joined the team in 2022 and resides in the DuPont Circle neighborhood of Washington, DC. Outside of her professional work, Clare's personal interests include golfing, ice hockey, pickleball, running, skiing, spending time with her family, tennis, and traveling.

Dallas Vipond is a Senior Financial Advisor at Merrill Lynch Wealth Management and a founding partner of the Bajaj Vipond Group. He has been with Merrill since 1996 and works with individuals, families, executives, businesses, and non-profits to develop investment and planning strategies aimed at preserving and growing wealth. Dallas holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®) awarded by the Certified Financial Planner Board of Standards, Inc., and CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA®) awarded by the National Association of Plan Advisors. He also holds the Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) designations. Dallas earned his bachelor's degree from Tufts University. He was named to the 2026 Forbes "Best-in-State Wealth Management Teams" list as a member of the Bajaj Vipond Group. Outside of his professional work, Dallas participates in his community through volunteering and enjoys activities such as fishing, gardening, golfing, and skiing.

Rakeem Morris is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping clients make informed financial decisions by building trusted relationships and delivering personalized financial strategies. His client focus areas include college education planning, family wealth management strategies, managing new wealth, personal retirement planning, and portfolio management services. He holds a Bachelor's Degree from The University of Georgia and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Morris is also a member of Kappa Alpha Psi Fraternity, Inc. He takes the time to understand what is important to his clients to help develop strategies tailored to their financial goals. Outside of his professional role, Morris enjoys cooking, football, running, spending time with his family, and traveling. His philosophy centers on helping clients uncover what matters to them and their families to create strategies aimed at pursuing their financial objectives.

William Scott is a Wealth Management Advisor with Merrill Lynch Wealth Management and a founding member of the Pritsios-Scott Group. He specializes in working with high-net-worth individuals and families, focusing on family wealth management strategies, portfolio management services, and retirement income. Within his team, he is responsible for asset allocation planning and implementation, helping clients create and execute defined investment plans tailored to their specific financial objectives. Mr. Scott began his career as a United States Marine Corps Officer before transitioning to the financial services industry. He has held senior roles at Paine Webber, FBR, Oppenheimer Wealth Management, and Barclays Wealth prior to joining Merrill in 2015. He earned a bachelor's degree from Franklin and Marshall College and holds the Personal Investment Advisor (PIA) designation. A native Washingtonian, he serves on the boards of the Yellow Ribbon Fund and St. Johns College High School. He lives with his wife and their family in Bethesda, Maryland, and Beaufort, South Carolina. In his free time, he enjoys golf, fitness, cycling, hiking, reading, and spending time with his family.

William Grace Jr. is a financial advisor at Merrill with 51 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1978 and Bank of America, N.A. since 2017. He authored three books in the 1980s under the name Bill Grace Author. 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.

Renee Armstrong is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Clearing Services, RBC Capital Markets, and Morgan Stanley. 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, pension plans, corporations, and charitable organizations.

Beauchamp Johnson is a Financial Advisor with Merrill Lynch Wealth Management. He is responsible for account administration and client relations, bringing a focus on building clear, actionable financial plans tailored to the individual needs of his clients. His areas of expertise encompass retirement planning, investments, tax strategy, risk management, and long-term financial security. Johnson holds professional designations including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's degree from Salisbury University, where he also played collegiate soccer. Before joining Merrill Lynch as a full team member in 2023, Johnson began his tenure with the firm as an intern in 2021. Born and raised in Washington, D.C., Johnson currently resides in downtown Bethesda. Outside of his professional work, he enjoys engaging in outdoor activities such as golfing, running, biking, and hiking. He values spending time with friends and family and maintaining an active lifestyle.

Charles Phillips Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on developing and implementing advanced financial strategies tailored to families, businesses, and individuals, including those with long-term disabilities and special needs. Phillips works closely with clients to address key concerns such as preservation of capital, tax minimization, and lifetime cash flow needs, often collaborating with estate attorneys and CPAs to establish multi-generational wealth strategies incorporating philanthropic approaches. Since beginning his career with Merrill Lynch in 2008, Phillips has developed expertise in a range of areas including special needs planning, college education and retirement planning, philanthropic planning, and portfolio management. His practice includes specialized strategies for families with special needs loved ones, utilizing vehicles such as Special Needs Trusts and Charitable Trusts. He has been recognized by Forbes as one of America's Top Next-Generation Wealth Advisors. Phillips graduated from the University of Wisconsin-Madison with a Bachelor's degree in History. He serves on the board of Quality Trust for Individuals with Disabilities, a nonprofit organization dedicated to improving the lives of children and adults with disabilities and their families. He resides in Arlington, Virginia with his wife and children.

Rebecca Luft is a Series 66-licensed financial advisor at Merrill with four years of industry experience. Her work history includes roles at Merrill, Rockefeller Financial LLC, Bank of America, N.A., and PNC Wealth Management. 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, pension plans, corporations, and charitable organizations.

Terrence Frederick is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1996 and joined Merrill Lynch in 2009. In his role, Terrence focuses on developing tailored strategies for high-net-worth individuals, their families, and businesses to help them achieve both short- and long-term financial goals. Terrence serves as a qualified Portfolio Manager, offering clients personalized or defined investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment options. He manages these strategies on a discretionary basis within the Firm's Investment Advisory Program. The Frederick Group follows a disciplined process aimed at delivering customized wealth management solutions that address clients’ risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. He holds a Bachelor of Science degree in Business Management with an emphasis in marketing from the University of Maryland, earned in 1987. Terrence also holds the Chartered Retirement Planning Counselor™ (CRPC) certification awarded by the College for Financial Planning and is designated as a Personal Investment Advisor (PIA).

Chito Okoye is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at PNC Investments, PNC Bank, and Hechts. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.