Carlos Del Rio Madero is a Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2025 after working for two years at Prudential Advisors, where he obtained his financial licenses and gained industry experience. Prior to his career in financial advising, Carlos worked for one of eBay's top consignors, assisting clients with million-dollar portfolios during significant liquidation events. Carlos's expertise includes divorce transition planning, employee financial health, legacy planning, liquidity management, managing new wealth, and personal retirement planning. He holds the Personal Investment Advisor (PIA) designation and is fluent in English, Spanish, and Hindi. Carlos earned his high school diploma from Passaic Valley Regional High School. In addition to his professional work, Carlos is involved in the Hispanic/Latino Organization for Leadership and Advancement and the Parents and Caregivers Network. His personal interests include dancing, football, music, reading, and tennis.

Wayne Sammartino is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving clients since 1989. He assists individuals and families in assessing and achieving their financial goals through comprehensive planning, asset allocation, and risk management. His areas of focus include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. A 1980 graduate of Brown University, Wayne holds the Personal Investment Advisor (PIA) designation. He takes a holistic approach to financial advising, evaluating clients’ situations and risk tolerance to develop suitable asset allocations and portfolio strategies. He collaborates with clients’ attorneys and CPAs to implement their financial plans effectively. Wayne is also involved in the community as a youth lacrosse coach and serves on the Board of Directors for Edward Sisco Village. Additionally, he is a member of the Brown University Alumni Association. Outside of his professional work, he enjoys hiking, reading, running, and spending time with his family.

Fredericka Conner is a Series 66-licensed financial advisor at Merrill with 25 years of industry experience. She has been with Merrill since 1998. 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 with model-based and discretionary investment strategies.

Lawrence Sailer is a Senior Vice President and Senior Financial Advisor with Merrill Lynch Wealth Management in Wayne, New Jersey. With 44 years of experience at Merrill Lynch, he specializes in college education planning, managing new wealth, and retirement income strategies. His approach focuses on developing personalized financial plans that reflect clients’ unique goals and priorities, aiming to simplify the complexities of investing. Lawrence holds a Bachelor of Arts degree in Psychology from Jacksonville University and is a Personal Investment Advisor (PIA). He resides in Kinnelon, New Jersey with his wife, Leslie. Outside of his professional work, Lawrence enjoys golfing, spending time with his family, traveling, and is actively involved in his church community.

Kerry Carlo is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 1996. 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.

Jennifer Polidori is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been working since 1997. In her role, she collaborates closely with families, individual investors, and business owners to develop and implement customized financial strategies aimed at achieving their specific goals. Jennifer keeps track of her clients' progress and regularly adjusts their financial plans as needed, incorporating insights from clients' other professional advisors to ensure comprehensive and efficient strategies. She specializes in a range of areas including investments, asset allocation, education planning, retirement and legacy planning, philanthropic planning, and small business strategies. Jennifer holds several professional designations including Chartered Retirement Planning Counselor (CRPC), Accredited Domestic Partnership Advisor (ADPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her High School Diploma from Pompton Lakes High School. Jennifer lives in Pompton Lakes, New Jersey with her two children, Paige and John Michael. She is actively involved in her community, serving as an elected Councilwoman in Pompton Lakes and participating in several local organizations including the Paterson Rotary Club No. 70, Pompton Lakes Chamber of Commerce, and the Pompton Lakes Elks Lodge 1895. Her community service extends to volunteering and fundraising activities with groups such as Bergen County Habitat for Humanity Women Build, Cumac, Ducks Unlimited, Pompton Lakes Woman's Club, and Soroptimist International - Passaic Valley Chapter. In her personal time, Jennifer enjoys competitive skeet shooting, cooking, traveling, water sports, and summer days on Greenwood Lake.

Lucas Sailer is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has worked at Merrill since 2013 and has been with Bank of America, N.A. since 2023. Outside of his advisory role, he is employed by BIG Messages, an answering service for doctors in northern New Jersey, where he manages communication between hospitals, patients, and physicians. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Azzopardi is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to develop personalized wealth management strategies tailored to their unique goals and priorities. Nicholas employs a relationship-driven approach to help clients navigate important financial decisions with clarity and confidence, focusing on long-term financial success. He earned his bachelor's degree from Wagner College, where he was a Division I lacrosse student-athlete, and later obtained his Master of Business Administration (MBA) from the same institution. Nicholas holds the Professional Investment Advisor (PIA) designation. A lifelong resident of Wayne, New Jersey, Nicholas values building lasting relationships within his community and is dedicated to providing personalized guidance and thoughtful strategies that help clients manage financial complexity and stay focused on their most important goals.

Scott Hosier is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since January 2001 and has held various leadership roles, including management positions in the Wayne office since 2007 and serving as Resident Director in the Upper Montclair office in 2011. In his current capacity, Scott focuses on helping clients navigate significant financial decisions by providing personalized strategies tailored to their priorities and goals. His areas of expertise include family wealth management strategies, managing new wealth, portfolio management services, and retirement income. Scott graduated with a Bachelor's degree from Wheaton College in 1993. He earned his Chartered Retirement Planning Counselor℠ (CRPC®) designation in August 2006 and holds several other professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Scott has also conducted seminars on topics such as estate planning services, retirement plan assets, and college 529 planning throughout northern New Jersey. Residing in Midland Park, New Jersey, Scott lives with his wife, Mary, and their four children: Jacob, Jillian, Karalyn, and Caleb. He has been actively involved in his community, serving as Chairman of the Board at Young Life Bergen County for over two years and coaching many of his children's sports teams. In his personal time, Scott enjoys music, photography, traveling, listening to podcasts, and spending time with his family.

Ramy Hakim is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since beginning his career in the financial industry in 2014, he has provided consultations to clients aiming to identify their financial goals and offer tailored advice in investments, estate planning, education savings, wealth building, and retirement. His areas of expertise include family wealth management strategies, services for defined benefit plans, legacy planning, personal retirement planning, portfolio management services, tax minimization, and retirement income. Ramy holds a Bachelor's degree in Finance from Aleppo University. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). Raised in a bilingual environment, he is fluent in both English and Arabic. Beyond his professional work, Ramy engages in community activities aligned with the Merrill tradition of service. In his personal time, he enjoys playing tennis and soccer and traveling.

Matthew Mais is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their priorities and develop financial strategies aimed at achieving their short-, mid-, and long-term goals. He provides guidance on a range of financial topics including investing, retirement planning, and preparing for unexpected expenses. Additionally, he connects clients with Bank of America specialists for banking, credit, home financing, and small business solutions. Matthew's expertise lies in assisting clients with managing complex financial demands such as home purchases, college savings, elder care, and healthcare preparation. He collaborates with clients to define their goals and tailor portfolio strategies accordingly, offering ongoing advice and portfolio adjustments as client needs evolve. He holds the Personal Investment Advisor (PIA) designation. He earned a Bachelor's Degree from Montclair State University and is affiliated with the Montclair State Men's Soccer Alumni organization.

Mark Picardo is a Wealth Management Advisor with Merrill Lynch Wealth Management, having joined the firm in 2014. He serves as a Senior Portfolio Advisor, providing clients with traditional advice and discretionary management of custom investment strategies. Mark works closely with clients to address financial objectives across various stages of life, including retirement planning, education funding, family wealth management, and legacy establishment. Mark earned a Bachelor of Arts degree from Marist College in 2008. He has attained professional designations including the Chartered Retirement Planning Counselor (CRPC™) in 2016 and the Chartered Financial Consultant (ChFC®) designation in 2021. These credentials support his expertise in retirement planning, investment strategy, and wealth management. He resides in Montville, New Jersey, with his wife and two sons. Mark participates actively in his community and enjoys traveling, spending time with family, and following sports such as baseball, football, and golf.

Thomas Rocco is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 2010, bringing a comprehensive understanding of the financial challenges and opportunities faced by corporate executives and private business owners. Thomas focuses on providing personalized wealth management strategies, emphasizing transparent communication and a thorough understanding of his clients’ aspirations and concerns. His approach involves translating complex financial concepts into clear, accessible advice to help clients pursue their goals, whether achieving near-term milestones, sustaining retirement lifestyles, or planning for future generations. Thomas holds a CERTIFIED FINANCIAL PLANNER® designation, along with credentials such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned master’s degrees from the University of California Berkeley and Columbia University, as well as a bachelor’s degree from the University of Tennessee System. His client focus encompasses areas including divorce transition planning, executive compensation, equity compensation services, retirement income, socially responsible investing, and small business strategies. In addition to his professional work, Thomas contributes to his community by serving as a financial literacy instructor for NORWESCAP. Outside of his advisory practice, he enjoys fishing, football, music, reading, spending time with his family, surfing, tennis, and yoga.

Zoltan Herskovic is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 28 years of experience in the wealth management industry. He has been with Merrill Lynch for 20 years and currently serves as the head of investment management for the H&H Group, where he develops equity, fixed income, and alternative investment strategies. Additionally, Zoltan acts as the syndicate coordinator for the Wayne branch, overseeing the distribution of initial public offerings (IPO) and secondary offerings to Merrill clients within the branch. Zoltan holds a Bachelor's degree from Hofstra University with a focus on business. His areas of expertise include college education planning, services for defined benefit plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He holds multiple professional designations, including the Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Born in Ukraine and raised in Brooklyn, Zoltan has lived in New Jersey for the past 15 years. Outside of his professional role, he enjoys baseball, chess, and music.

Cristian Sierra is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 63 and Series 66 designations. His prior experience includes roles at Fidelity Investments and HSBC 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 strategies for individuals, high-net-worth clients, and institutional investors.

Daniel Cooney is a financial advisor with Merrill in Wayne, NJ, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Merrill Lynch since 2001 and at 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Gerard O'Connell is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with the firm in 1999 and holds the Senior Vice President and Senior Financial Advisor titles. Gerard focuses on designing and implementing equity, fixed-income, and alternative investment strategies for retirement planning. He applies a goals-based approach to create comprehensive wealth management plans tailored to each client's objectives. Gerard also manages discretionary custom investment strategies and selects from a variety of Merrill model portfolios and third-party investment options. Gerard holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a bachelor's degree from Montclair State University. Gerard collaborates with clients' attorneys, accountants, and other advisors on estate planning, financing strategies, and key transition events such as retirement, inheritance, and business sale. Residing in East Hanover with his family, Gerard has practiced martial arts for over 20 years and holds multiple black belts across eight disciplines. He competes in Isshin-Ryu, Jiu Jitsu, and Doce Pares tournaments. Gerard also has interests in baseball, boating, and football.

Dominic Alfieri is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 22 years of experience at the firm and nearly 30 years in the financial advisory industry. He holds the Chartered Retirement Planning Counselor (CRPC) designation and is a qualified Portfolio Manager. Dominic focuses on retirement and estate planning strategies, including risk management and asset allocation, and works with clients through the firm's Investment Advisory Program on a discretionary basis. He guides successful business owners, individuals, and families with a goals-based approach in developing customized investment, risk management, and retirement income strategies. Dominic graduated from the Accredited Certificate Program at Fairleigh Dickinson University. He is dedicated to providing advice that aligns with clients' core values and works closely with various Merrill specialists and Bank of America resources to structure wealth management and legacy plans. His areas of expertise include college education planning, family wealth management, LGBT wealth planning, managing new wealth, personal retirement planning, small business strategies, tax minimization, and portfolio management services. Outside of his professional work, Dominic volunteers with charitable organizations such as Habitat for Humanity and the Boys and Girls Clubs of Northern New Jersey. He enjoys golfing, reading, traveling, and spending time with his family. Dominic resides in Long Valley, New Jersey, with his wife Andrea and their two daughters.

Maria Myers is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has been with Merrill, where she has worked since 1989. 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.

Zsuzsanna Vivino is a financial advisor at Merrill with 16 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2008, transitioning to Bank of America, N.A. in 2025. Outside of her advisory role, she serves as a uniform coordinator for a nonprofit soccer organization in Wayne, New Jersey. 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 and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Lydia Kotevski is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been with Merrill Lynch since 1999, focusing on a client-centered approach that combines personalized financial guidance with the investment resources and banking convenience of Bank of America. Lydia and her team apply their extensive experience to managing client portfolios, aiming to meet long-term financial goals while minimizing risk and preserving capital through market fluctuations. Lydia holds the Personal Investment Advisor (PIA) designation. She earned her high school diploma from Garfield High School. Beyond her professional work, Lydia is involved with the National Down Syndrome Society and works closely with families of children with disabilities. She is also active in the theatre and fashion communities. Lydia is a mother of three children and grandmother to three grandchildren.

Michael Post is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2016, also serving at Bank of America, N.A. since 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Parker Gundeck is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2004, the same year he joined Merrill Lynch. Parker works with individuals, families, and businesses to develop strategies and provide advice by understanding their short- and long-term financial objectives. He specializes in areas including college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, personal retirement planning, portfolio management services, socially responsible and values-based ESG investing, women and wealth, and retirement income. Parker holds several professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Parker graduated from Penn State University with a degree in Finance from The Smeal College of Business Administration. He lives in Wyckoff, NJ with his wife Kathleen and their three children: Parker, Addison, and Evan.

Miguel Munoz is a Wealth Management Advisor at Merrill Lynch Wealth Management. He provides personalized wealth management advice and guidance to affluent families, corporate executives, professionals, business owners, and institutions. Miguel and his team utilize a goals-based wealth management process designed to help clients identify their objectives, structure wealth according to individual or family legacy plans, and maintain disciplined investment approaches during periods of market volatility. They also collaborate with non-profit and for-profit institutional clients on retirement, benefit planning, and philanthropic investment guidance. Miguel brings extensive experience in financial services, focusing on wealth management, trust and estate planning, business succession, capital preservation and growth, income generation, education and retirement planning, as well as exploring opportunities in alternative investments. He holds multiple professional designations, including Certified Private Wealth Advisor (CPWA), Chartered SRI Counselor (CSRIC), Certified Trust and Fiduciary Advisor (CTFA), and Certified Plan Fiduciary Advisor (CPFA). He earned a Bachelor's Degree from Montclair State University and is fluent in both English and Spanish. Outside of his professional commitments, Miguel is involved with several organizations such as the Hispanic Organization for Latino Advancement, Lambda Sigma Upsilon National Fraternity, Latinos Simpre Unidos Foundation, MSU Alumni Association, and Tri-Alpha Honor Society. He also participates in community activities with Habitat for Humanity. His personal interests include adventure sports, dancing, football, music, spending time with his family, and traveling.

Wade Wolfe is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads a disciplined, goal-based approach to wealth management, assisting clients in identifying and prioritizing their financial objectives and concerns. Wade focuses on providing clear insights into retirement assets and the likelihood of achieving long-term goals under various risk scenarios, helping clients understand what they can afford throughout their lifetimes. Wade began his career in 1991 with a bond firm and joined Merrill Lynch in 2014 as part of The Pressman, Berntsen, and Wolfe Group. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Wade earned a Bachelor's degree in Business from St. Peter's College. A longtime resident of New Jersey, Wade lives with his family in Morris Plains. Outside of work, he enjoys golfing, reading, and spending time with his family.

Joyce Huggins is a financial advisor with Merrill, holding Series 63 and Series 66 designations and bringing 40 years of industry experience. She has been with Merrill since 2013. 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.

Paul Renfro is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1995 following his graduation from the University at Buffalo (SUNY) where he earned degrees in International Business and Economics. Paul specializes in areas such as family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management services, special needs planning strategies, sports and entertainment, tax minimization, and retirement income. He holds several professional designations, including Certified Investment Management Analyst (CIMA®) awarded by the Investments & Wealth Institute® in conjunction with The Wharton School of Business, and Certified Financial Planner (CFP®) certification from the Certified Financial Planner Board of Standards, Inc. Other credentials he holds include Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Paul is a member of the National Association of Eagle Scouts. In addition to his professional work, Paul has served on the boards of charitable and non-profit organizations in New York and New Jersey, including serving as a trustee for the Bruce E. Vivino Foundation. His personal interests include chess, golfing, reading, running, and skiing.

George Zaki is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to connect all aspects of their financial lives and help prioritize and pursue the goals that matter most to them. He provides advice and guidance to develop personalized financial strategies that consider risk tolerance, time horizon, and liquidity needs. George's expertise encompasses a broad range of client focus areas including institutional and corporate benefit services, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. His advisory philosophy emphasizes working together with clients to uncover what matters most to them and their families and create strategies to pursue their financial goals. He holds a Bachelor's Degree from Ain Shams and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In his personal time, George enjoys basketball, biking, fishing, music, photography, reading, running, soccer, swimming, and spending time with his family.

Charles Cain is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and develop portfolio strategies tailored to meet those objectives. His approach involves ongoing advice and portfolio adjustments to adapt to clients' changing situations. He has experience focusing on areas such as legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, tax minimization, retirement income, and individual and corporate investment strategy. Charles holds the Personal Investment Advisor (PIA) designation. Charles earned a Bachelor's Degree from the University of Maryland College Park. Born and raised in New Jersey, he balances his professional work with personal interests that include baseball, basketball, billiards, football, music, pickleball, racquetball, skiing, spending time with family, and tennis.

Giancarlo Colasuonno is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at Bank of America N.A. and GWN Securities, Inc. Outside of his advisory work, he is involved with Party Couture LLC DBA Michelle's Catering as a general caterer and server. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies for a range of investors including individuals, high-net-worth clients, and institutional accounts.

Benjamin Krculic is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their financial priorities and develop tailored strategies to pursue their short- to long-term goals. His role involves providing guidance on various financial matters including investing, retirement planning, and saving for unexpected events. Additionally, he facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Benjamin's expertise lies in helping clients manage multiple financial priorities, such as purchasing a home, saving for college, caring for elderly parents, and preparing for healthcare needs. He emphasizes one-on-one collaboration to define goals and select portfolio strategies designed to meet those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. He holds a Bachelor's Degree and a Master of Business Administration (MBA) from Seton Hall University. Benjamin also holds the Personal Investment Advisor (PIA) designation.

Adam Abida is a Financial Advisor at Merrill Lynch Wealth Management. He partners with clients to develop customized wealth strategies and to oversee investment portfolios that align with their individual objectives. His approach emphasizes building and preserving wealth with a focus on clients' long-term goals and priorities. Adam's expertise includes personal retirement planning, portfolio management services, socially responsible and values-based investing, and tax minimization. He serves as a trusted advisor, providing ongoing insight to help clients navigate life's financial milestones and maintain strategies that reflect their evolving circumstances. He holds a Bachelor's Degree from SUNY University at Albany and the Personal Investment Advisor (PIA) designation. Adam is a member of The National Society of Leadership and Success. Outside of his professional role, he enjoys chess, golfing, music, and reading.

Nicholas Amoresano is a financial advisor with Merrill, holding Series 63 and Series 65 designations and four years of industry experience. His prior roles include positions at Bank of America, N.A., Daybreak, Inc., and the University of Scranton. 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 Marotta is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the Wayne, NJ branch. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). Joseph utilizes a disciplined process to understand clients' needs before making recommendations, focusing on wealth management strategies to assist individuals and families in achieving their financial goals. Joseph began his finance career in 1997 in the Capital Markets division at Thomson Reuters and transitioned in 2006 to working directly with clients at Wells Fargo Advisors before joining Merrill Lynch. His expertise spans a range of areas including college education planning, family wealth management strategies, legacy planning, retirement income, special needs planning strategies, and portfolio management services. Prior to his finance career, Joseph served as an officer in the U.S. Marine Corps. He earned his Bachelor's degree from Villanova University. Joseph resides in Montville, NJ with his wife and three children. Outside of work, he enjoys baseball, chess, football, hiking, music, traveling, and woodworking. He actively volunteers with organizations such as the Aiding Marines Family Foundation and the Christopher Whitehouse Foundation and is a member of the Semper Fidelis Society, reflecting his commitment to community involvement and supporting veterans.

Kyle Diaz is a Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Kyle earned his bachelor's degree from Purdue University System. Details regarding his specific areas of expertise, experience, personal interests, or community involvement were not provided.

Katiana Carter is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in working with professionals, executives, and business owners to develop personalized strategies focused on wealth accumulation, retirement planning, investment management, and achieving long-term financial objectives. Her approach emphasizes creating clarity and confidence through financial planning that aligns with her clients' values and goals. Katiana holds a Bachelor's Degree from Howard University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is a member of professional organizations such as the Bank of America LGBTQ+ Employee Network and the Merrill Black Professional Group. Katiana is also involved in community activities like the Greater Newark LifeCamp. Outside of her professional role, she engages in interests including basketball, camping, gardening, music, painting, softball, watching movies, and yoga. These pursuits contribute to a balanced perspective in both her personal and professional life.

Thiago Nunes Antonio is a financial advisor with Merrill, holding a Series 66 designation and approximately one year of industry experience. Prior to joining Merrill in 2022, he worked at Kearny Bank and spent several years involved in academic and other roles. 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.

Kenneth Menezes is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. He collaborates closely with clients to develop personalized wealth strategies that align with their financial priorities and family dynamics. His services encompass areas such as corporate and employee benefits planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Kenneth works alongside other professionals, including estate planning attorneys and tax experts, to coordinate comprehensive estate and legacy plans. He holds a Bachelor's Degree from St. Xaviers College and has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Kenneth's approach centers on understanding what matters most to clients and creating strategies to help them pursue their financial goals. Kenneth has been married since 2000 and resides in Dumont, New Jersey. He enjoys playing chess, golfing, cooking, and table tennis in his personal time.

Christian Mc Call is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to develop retirement strategies tailored to their goals, helping them achieve financial confidence and peace of mind throughout their retirement journey. He serves as a resource for clients on a range of financial matters including investing, retirement planning, and saving for unexpected events. Christian also provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. Christian's areas of expertise include college education planning, managing new wealth, personal retirement planning, and retirement income. He holds the professional designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Villanova University. Born and raised in Wayne, New Jersey, he aligns his approach with Merrill's goal to help clients make confident decisions throughout every stage of life. Outside of his professional responsibilities, Christian enjoys golfing, running, and skiing.

Jennifer Jimenez is a financial advisor with Merrill in Wayne, NJ, holding a Series 66 designation and three years of industry experience. She has been with Merrill Lynch and Bank of America since 2010. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.