Daniel P. Tarpey, CFA, CPFA, PIA, RAFA, is a Wealth Management Advisor and Senior Portfolio Manager at Merrill Lynch Wealth Management, where he has worked since 2012. In this role, he assists families and business owners with asset, liquidity, and liability management. He manages discretionary personalized and defined investment strategies that may include individual securities, Merrill Lynch model portfolios, and third-party investment approaches. Prior to joining Merrill Lynch, Daniel was Vice President at MBIA in the Insured Portfolio Management division, focusing on valuation, modeling, and remediation of complex structured finance transactions. He earned his Bachelor of Science degree in Finance from Fordham University in 2007 and holds the Chartered Financial Analyst® designation. Daniel is a member of the CFA Institute® and the CFA Society Stamford. Daniel is involved in his local community through youth lacrosse coaching with Larchmont Mamaroneck Youth Lacrosse. He resides in Westchester with his wife and three children and enjoys reading, running, skiing, swimming, and spending time with his family.

Bradley Philipps is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds several professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Bradley earned his bachelor's degree from Fordham University. His credentials reflect his focus on comprehensive financial planning and retirement planning.

Lisa Barone is a financial advisor at Merrill with 31 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Oppenheimer for 14 years before joining Merrill in 2022. 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.

Anthony Danial is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their goals, values, and priorities, and provides guidance in areas including corporate executive services, equity compensation, family wealth management, legacy planning, liquidity management, new wealth management, retirement planning, portfolio management, tax minimization, and retirement income. Anthony's approach involves careful planning and strategy to help clients pursue their financial goals and achieve financial assurance. Anthony holds a Bachelor's Degree and a Master's Degree from Iona College. He has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He conducts his practice in English and Arabic. In addition to his professional work, Anthony has personal interests in cooking, dancing, spending time with his family, and writing.

Daniel Borenstein is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on understanding the individual priorities and financial goals of his clients to develop tailored strategies that address their needs. His approach involves comprehensive discussions about goals, concerns, and questions, providing ongoing advice and guidance as client circumstances evolve. Daniel's expertise covers a broad spectrum including general investing, retirement planning, and preparing for unexpected financial events. Holding professional designations such as Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), he leverages his credentials to offer informed financial advice. He holds a Bachelor's Degree from New York University.

Gilda Borenstein is a Wealth Management Advisor and First Vice President with Merrill Lynch Wealth Management. She has been advising clients since 1990 and holds multiple professional designations, including the Chartered Financial Analyst (CFA) and CERTIFIED FINANCIAL PLANNER (CFP) certifications. Gilda earned her Bachelor's degree from SUNY Stony Brook and is a member of professional organizations such as the Certified Financial Planners and Chartered Financial Analysts. Over her career spanning more than three decades, Gilda has developed expertise in providing individualized financial strategies to high net worth individuals, families, non-profit organizations, and small businesses. Her services include retirement and estate planning, education planning, lending solutions, asset allocation, and portfolio management, with a focus on values-based and socially responsible investing. Previously, she has held roles such as futures analyst, interbank currency broker, charter member and floor broker of the New York Futures Exchange, and bankruptcy analyst for a major hedge fund. Gilda is actively involved in the community, having been a Founder and First Chair of New York Youth at Risk, Inc., and engaging with organizations like The Breakthrough Foundation, Inc. She is married with children and enjoys interests such as antiquing, baseball, cooking, interior decorating, photography, spending time with family, traveling, and watching movies.

Elaine Webley is a Wealth Management Advisor at Merrill Lynch Wealth Management. She offers a comprehensive approach to managing wealth that begins with listening closely to each client’s needs and understanding their financial goals. Elaine leverages the investment insights of Merrill along with the banking and lending solutions of Bank of America to develop personalized financial strategies tailored to changing market conditions. Her areas of expertise include education planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and strategies focused on women, sports, and entertainment sectors. Elaine holds a Bachelor's Degree from Baruch College and maintains professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Elaine also dedicates time to community involvement, reflecting Merrill’s tradition of service. Her personal interests include dancing, music, reading, spending time with family, tennis, traveling, and yoga. She seeks to work collaboratively with clients to help them pursue their financial goals through tailored and flexible planning.

Joseph Byrne is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has provided wealth management strategies and advice to affluent clients since 2001. In his role, he directs a range of services within the Donnell Phillips Berkowitz & Byrne Group and works closely with clients to determine their financial goals, priorities, and concerns. Joseph has experience in investment strategy, regression and probabilistic modeling, asset allocation, and wealth transfer strategies. He also advises executives on concentrated equity management, monetization, and diversification strategies. He integrates specialists and resources aligned with client priorities and coordinates efforts of external tax and legal professionals to deliver customized wealth management strategies. Joseph holds a Bachelor of Science degree from the University of Connecticut and has earned professional designations including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment (SE). He lives in Ridgefield, Connecticut with his wife Kristi and their two children and supports local charities benefiting children, military veterans, and cancer research.

Lisa Gradilone is a Senior Financial Advisor at Merrill Lynch Wealth Management, serving a diverse clientele including technology executives, business owners, and younger individuals in the early stages of growing their wealth. She focuses on advising clients by understanding their priorities and life goals, then tailoring investment approaches to help achieve those goals. Lisa's approach involves crafting integrated strategies that blend investment and liability management with tax minimization and estate planning strategies. Before joining Merrill in 2020, Lisa served as the Regional Director of Investments at Key Private Bank and spent 15 years at Deutsche Bank developing skills in equity portfolio management, wealth planning, and investment product management. Prior to her financial career, she held engineering and software development positions. Lisa holds a Bachelor of Science degree in Computer & Systems Engineering and a Master's degree in Electrical Engineering from Rensselaer Polytechnic Institute. She has earned professional designations including the CERTIFIED FINANCIAL PLANNER® (CFP®) and Chartered Financial Analyst® (CFA®). Lisa is a member of the CFA Institute, the Estate Planning Council of Westchester County, and the Business Council of Westchester. She is actively involved in the Rotary Club of Briarcliff Manor. In her personal time, she enjoys golfing, running, tennis, and spending time with her family.

Mary Tompkins is a Senior Financial Advisor and Senior Vice President with Merrill Lynch Wealth Management in White Plains, New York. She leads a team that works with a diverse group of clients to help them identify their financial goals, advance those objectives through strategic planning, and maintain focus on their long-term aspirations. With over three decades of experience in financial services, Mary prioritizes her clients' interests and needs through hands-on assistance. Her expertise includes college education planning, personal retirement planning, women and wealth management, and retirement income. She values educating clients about their opportunities while alerting them to potential challenges, and she tailors her approach to each client's unique circumstances, including individual dreams, timeframes, family dynamics, and risk tolerance. Mary holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Her educational background includes a High School Diploma from Carmel High School and an Associate's Degree from Dutchess Community College. Outside of work, she enjoys adventure sports, camping, hiking, running, volleyball, and spending time with her husband, two daughters, and three grandchildren.

Robert J. Tarpey, CFA®, is a Senior Vice President, Wealth Management Advisor, and Senior Portfolio Manager at Merrill Lynch Wealth Management, where he has been since 2004. He oversees asset management for The Tarpey Barry Group and has experience serving the asset management needs of high net worth and ultra-high net worth families, endowments, and foundations, as well as developing financial strategies for institutions in sectors including alternative investments, healthcare, legal, manufacturing, not-for-profit, real estate, and technology. As a Senior Portfolio Manager, Mr. Tarpey manages discretionary Personalized and Defined Strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. His investment approach covers traditional and alternative instruments across multiple asset classes and markets, including domestic, international, and emerging markets. He holds a bachelor's degree from Fordham University and the Chartered Financial Analyst® designation. He is also a member of the CFA® Institute® and the Stamford CFA® Society.

Susan Condit is a Senior Financial Advisor with Merrill Lynch Wealth Management. She adheres to a disciplined process that begins with gaining a full understanding of each client’s unique needs, concerns, and priorities. By considering the whole life or organization, Susan collaborates with clients to develop personalized plans aligned with their goals and aspirations. Her expertise encompasses family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, and supporting women and wealth. Susan holds a Bachelor's Degree from The Catholic University of America and the Personal Investment Advisor (PIA) designation. She is actively involved in professional and community organizations, serving as a board member of The Cookstove Project and participating in the Briarcliff Rotary and the Social Justice Committee of the Presbyterian Church of Mt. Kisco. Outside of her professional duties, Susan engages in personal interests including biking, gardening, genealogy, golfing, hiking, photography, swimming, yoga, and spending time with her family.

Charles Pollack is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving a diverse clientele that includes corporate executives, entrepreneurs, attorneys, retirees, millennials, divorced persons, and widows. With more than 25 years of experience, Charles focuses on helping clients preserve assets, manage risk, and plan for sustained lifestyles through various life stages, including retirement, loss of a spouse, or divorce. He emphasizes a collaborative, client-centric approach, valuing face-to-face meetings and empathetic listening to tailor strategies aligned with clients’ goals. Charles joined Merrill Lynch in 2008 to leverage the firm's extensive resources and acts as an active liaison between clients and specialists across Bank of America. He formulates customized investment portfolios by combining Merrill research portfolios and external managers, adapting strategies over time through ongoing client review. His expertise includes college education planning, legacy planning, liquidity management, portfolio management services, and retirement income. Charles holds the Personal Investment Advisor (PIA) designation and attended the University of Chicago without obtaining a degree. Outside of his professional role, Charles is involved in community organizations such as International Adoption, Kiwanis International, and the Salvation Army. He and his wife, Diane, are parents to three adopted children and engage in activities including cooking, reading, traveling, and maintaining an active fitness routine.

Arthur Pasternak is a Wealth Management Advisor at Merrill Lynch Wealth Management, bringing over 35 years of experience in the financial services industry, with the last 30 years spent at Merrill Lynch. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Arthur works primarily with high net worth individuals and small businesses, focusing on wealth accumulation, retirement planning, tax minimization, education funding, and cash flow enhancement. Arthur holds a Bachelor’s degree from Syracuse University and a Master’s degree from Pace University. He employs a defined process to understand each client’s unique situation, establish objectives, develop strategies, and review progress to ensure alignment with their financial goals. His approach includes leveraging a broad range of proprietary and non-proprietary products and collaborating with Merrill Lynch specialists to create customized solutions based on clients’ risk tolerance, time horizons, liquidity needs, and investment goals. Active in his community, Arthur participates in the Fort Lee High School Academy of Finance, the Business Council of Westchester as an ambassador, Business Network International, and the Rockland Business Association. He also coaches youth sports and volunteers at the Rockleigh Senior Home. Arthur resides in Fort Lee, New Jersey, where he has lived for 26 years. He enjoys golf, attending and watching sporting events, reading, and spending time with his family.

Matthew Molloy is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In his role, he collaborates with clients to develop strategies aimed at achieving their short-, mid-, and long-term financial goals. His services encompass general investing, retirement planning, and financial preparation for unforeseen circumstances. Matthew holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Siena College. He works closely with clients to discuss their objectives, concerns, and questions, providing ongoing advice as their needs evolve. Additionally, he facilitates access to specialists at Bank of America for banking, credit, home financing, and small business solutions.

Christopher Fleming is a Wealth Management Advisor at Merrill Lynch Wealth Management. He collaborates with clients to develop personalized wealth management strategies that reflect their life priorities, family goals, and individual aspirations. His approach integrates investment insights from Merrill and banking and lending solutions from Bank of America to address the changing market conditions and clients’ evolving needs. Mr. Fleming brings experience as a former Foreign Exchange derivatives trader and holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor's degree from American University and communicates fluently in English and Spanish. His client focus areas include college education planning, family wealth management strategies, legacy planning, portfolio management services, women and wealth, and retirement income. Active in his community, Christopher participates with the Croton Cortlandt Food Bank. He resides in Westchester, NY, with his wife and two sons and draws on his personal experience raising a family in the Northeast to inform his client interactions. Outside of work, he enjoys running, soccer, and yoga.

Sharon Brand is a financial advisor at Merrill with 40 years of industry experience. She has been with Merrill since 2007 and previously worked at Legg Mason Wood Walker, Incorporated from 2000 to 2004. She holds the Series 63, Series 65, and Series 66 designations. 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.

Kimberly Rodgers is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has 27 years of industry experience, focusing on helping clients identify and pursue their personal financial goals through a comprehensive approach to wealth management. Kim works closely with clients at every step of the discovery and implementation process, combining technical and fundamental research to create individual goal-based portfolios. Kim began her career as a sales assistant at Morgan Stanley Smith Barney before joining UBS/PaineWebber in 1998. She joined Merrill Lynch Wealth Management in 2002, where she has served as an Investment Associate, lead Client Service Associate, and Financial Advisor. Kim holds the CERTIFIED FINANCIAL PLANNER® certification, the Certified Investment Management Analyst® designation, the Chartered Retirement Planning Counselor™ designation, and the Sports & Entertainment Accredited Wealth Management Advisor™ designation. A native of New Hampshire, Kim graduated from St. Joseph's College in Maine with a Bachelor's degree in English and Journalism. She resides in White Plains, New York, and her personal interests include baseball, cooking, golfing, hiking, ice hockey, music, reading, spending time with family, traveling, and watching movies.

Danielle Grande Cosentino is an International Wealth Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 1992. She advises affluent individuals and families across four continents, specializing in global synchronization, local economies, and emerging opportunities. Danielle's work focuses on comprehensive financial planning, including college education planning, corporate executive services, legacy planning, retirement income, socially responsible and ESG investing, and portfolio management. Throughout her career, Danielle has served a diverse clientele, including active and retired CEOs and CFOs worldwide. She is a CERTIFIED FINANCIAL PLANNER™ and a Personal Investment Advisor, with extensive experience navigating the complex regulations of multiple countries and states. Danielle holds a Bachelor's degree in Business Management from Adelphi University and a Master's degree in International Business from Pace University. Danielle is actively involved in her community and supports several organizations, including the Breast Cancer Support Connection, the National Italian American Foundation (NIAF), the Notre Dame Club of New York, and the Penn State Alumni Association. She also contributes to local causes such as Habitat for Humanity and Little Orphan Animals. Outside of her professional life, Danielle enjoys adventure sports, basketball, cooking, football, gardening, genealogy, hiking, skiing, spending time with her family, and traveling.

Daniel Goldsmith is a financial advisor with Merrill in White Plains, NY, holding a Series 66 designation and approximately one year of experience. Prior to joining Merrill and Bank of America, he held positions across various industries including media, automotive sales, and retail. 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.