David Doray is a financial advisor with Merrill based in Westborough, MA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His career includes roles at Bank of America, Merrill, LPL Financial, and Southbridge Savings Bank. 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.

Arushee Divyakirti is a Financial Advisor at Merrill Lynch Wealth Management. In this role, she collaborates with individuals and families to identify and develop tailored financial strategies that span short-, mid-, and long-term goals. Her client focus areas include college education planning, liquidity management, personal retirement planning, philanthropic planning, women and wealth, tax minimization, and retirement income. With over a decade of experience, Arushee provides comprehensive guidance ranging from general investing to retirement planning and savings strategies. She partners with Bank of America specialists to offer clients additional banking, credit, home financing, and small business solutions. Arushee holds a Bachelor's Degree from the University of Delhi, a Master's Degree from Western Michigan University, and has completed an Accredited Certificate Program from the Hindu Institute of Management. She also holds the Personal Investment Advisor (PIA) professional designation and is licensed under NMLS#2430426. Fluent in English and Hindi, Arushee is involved with the community organization Ekal Vidyalaya USA. Outside of her professional responsibilities, she enjoys camping, cooking, hiking, spending time with her family, and watching movies.

Amanda Ross is a financial advisor at Merrill with 22 years of industry experience and holds a Series 66 credential. She has been with Merrill since 2007. Outside of her advisory role, she serves as an adjunct faculty member teaching MBA students at Boston University and is a board member of the Boston Chamber of Commerce Women’s Network Advisory Board. 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, and institutional investors.

Connor Lancaster is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized wealth management strategies that consider their full financial picture and what matters most to them. Connor provides access to the investment insights of Merrill and the banking services of Bank of America to address various aspects of his clients' financial lives. Connor focuses on areas including college education planning, family wealth management strategies, managing new wealth, personal retirement planning, and tax minimization. His approach begins with understanding each client's unique financial situation and goals, allowing him to create flexible strategies responsive to changing market conditions and client needs. He holds a degree in finance from the University of Massachusetts, Amherst, and maintains professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of work, Connor enjoys basketball, fishing, football, golfing, music, spending time with his family, and watching movies.

Terence O'Brien is a financial advisor at Merrill with 47 years of industry experience. He has held Series 63, Series 65, and Series 66 designations and has been with Merrill since 1978. 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, and various institutional investors.

Suraj Kapur is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in delivering personalized wealth management strategies tailored to clients' individual financial situations and goals. He focuses on areas such as tax minimization, generational wealth transfer, college education planning, legacy planning, retirement income, and socially responsible investing. Suraj leverages the investment insights of Merrill and the banking solutions of Bank of America to provide comprehensive financial guidance that adapts to evolving market conditions and client needs. Suraj holds the Personal Investment Advisor (PIA) designation and completed an accredited certificate program at Worcester Polytechnic Institute. He is multilingual, speaking English, Hindi, and Punjabi, and is active in community engagement through his involvement with the New England Hindi Manch organization. Outside of his professional role, Suraj enjoys basketball, football, hiking, cooking, music, table tennis, traveling, watching movies, yoga, and spending time with his family.

Jake Dowd is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, Commonwealth Financial Network, and CIG Private Wealth Management. Outside of finance, he has experience working at Luxe Fitness, Rosedale Farm and Vineyard, and Feng Asian Bistro. 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.

George Burdick is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he assists clients by simplifying the complexities of their financial lives through advice and guidance grounded in goals-based wealth management principles. He works closely with individuals, families, and small businesses, partnering with his team to provide comprehensive support as the primary point of contact for his clients. He holds several professional designations including Chartered Financial Consultant (ChFC), Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Life Underwriter (CLU), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). George earned a Bachelor's Degree from the University of Maine at Orono and a Master's Degree from Bentley University. George is a member of professional organizations such as the American Mensa Society, Boston Harbor Angels, and ENET (Boston Entrepreneurs' Network). He is also involved in community service through his participation in FPA MA Pro Bono Military Financial Planning.

Molly Kirkland is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in working with next-generation clients and families, including high-income professionals and couples, to help navigate key financial decisions such as equity compensation, purchasing a home, family savings, and long-term financial independence. Molly focuses on creating a cohesive investment strategy that integrates financial planning, tax strategy, and estate considerations. Raised by a financial advisor and now partnering alongside her father, Molly brings an early perspective on wealth management to her work. She holds the CERTIFIED FINANCIAL PLANNER® and Certified Divorce Financial Analyst® designations, emphasizing a structured, planning-first approach, especially valuable during periods of transition. Molly's client focus areas include college education planning, employee benefits planning, family wealth management strategies, legacy planning, personal retirement planning, and women and wealth. Molly earned her Bachelor's Degree from the University of Massachusetts Amherst. She is involved with professional organizations such as Thrive Support & Advocacy and serves as an ambassador for the Westborough Chamber of Commerce. In the community, she participates with Big Sister Greater Boston, Read to a Child, and Special Olympics. Outside of work, she enjoys cooking, golfing, hiking, photography, reading, and tennis.

Michael Lancaster serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He has over 20 years of experience in the financial services industry and holds professional designations including Certified Private Wealth Advisor (CPWA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated from the Sellinger School of Business at Loyola University and passed the Certified Public Accountant (CPA) examination in 1986. Prior to his current role, Michael worked for 10 years as a Chief Financial Officer in the nonprofit sector. Michael specializes in areas such as college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, values-based and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. He emphasizes collaboration with clients' attorneys, accountants, and other advisors to align financial advice with each client's overall situation and goals. Michael is committed to providing high levels of client service and satisfaction. He follows the Merrill tradition of community involvement and spends time volunteering with organizations including the Greater Boston Food Bank and Africa Exchange Project, Inc. Outside of his professional responsibilities, Michael enjoys cooking, fishing, football, golfing, pickleball, spending time with his family, and traveling.

Bruce Munger Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management. He supports clients in developing strategies to manage personal and business finances, focusing on areas such as college education planning, family wealth management strategies, liquidity management, retirement planning, socially responsible and values-based investing, and women and wealth. Bruce emphasizes a personalized approach, working one-on-one to tailor financial strategies that align with his clients' long-term goals. Bruce holds a Bachelor of Arts degree in Economics and Mathematics from Bowdoin College and a Master of Science degree in Accounting from Northeastern University. He is a CERTIFIED FINANCIAL PLANNER™ certificant and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has been with Merrill Lynch Wealth Management since 1993. Beyond his professional work, Bruce is involved in his community through volunteering and has served on the boards of various organizations including The Joy of Music Program, The Boys and Girls Club of Worcester, and The Skating Club of Boston. He resides in Worcester with his wife and two children. His personal interests include biking, golfing, skiing, tennis, and traveling.

Keith Gilbreath is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2017, he has developed expertise in managing custom investment strategies on a discretionary basis, selecting from a range of Merrill Lynch model portfolios and third-party investment options. He focuses on client-centered financial planning, tailored to their long-term objectives. Keith's areas of specialization include college education planning, equity compensation services, LGBT wealth planning, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's degree from Elon University. Outside of his professional role, Keith is active in his community and personal interests. He participates in the Hopkinton Running Club and Mensa. He contributes to local organizations such as the Greater Boston Food Bank, Hopkinton Youth Soccer, and Hopkinton Youth Lacrosse. Keith enjoys adventure sports, cooking, hiking, running marathons, soccer, traveling, and spending time with his wife Rachel, their two children, and their two dogs.

Michael Jankovic is a financial advisor with Merrill, holding a Series 66 designation and 14 years of industry experience. He has been with Merrill since 2012. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Sparrow is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 after working with Morgan Stanley and Smith Barney beginning in 2002. In 2015, he joined the O'Brien Sparrow Wealth Management Group, where he continues to provide investment management and wealth planning services. Matthew received a Bachelor's Degree in Economics and Finance from Bentley University and holds the Portfolio Manager designation. He focuses on working with individuals, families, corporate executives, and institutions in areas including investment management, wealth planning, college education planning, corporate executive services, divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Matthew resides in Hopkinton with his wife and four children. His personal interests include football, tennis, spending time with his family, and traveling.