Columbia, MD 10320 Little Patuxent Pkwy Office

Courtney Hyatte is a financial advisor with Merrill in Columbia, MD, holding the Series 66 designation and beginning their career in 2025. Prior to joining Merrill, Hyatte spent 27 years at Bank of America and also worked at Certainty Home Lending. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tri Nguyen is a financial advisor with Merrill, holding a Series 66 designation and 20 years of industry experience. He has worked at Merrill since 2006 and has been with Bank of America, N.A. since 2011. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Pamela Gruver Adams is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management, where she has been serving clients since 1995. She is a partner of the Gruver Adams Jenkinson Group and specializes in advising high net worth families, business owners, physicians, retirees, and female investors. Pamela's approach involves a thorough and personalized discovery process, focusing on retirement planning, tax minimization, asset preservation, growth maximization, and wealth transfer. Pamela holds several professional credentials, including the Certified Private Wealth Advisor (CPWA®) designation, Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is a graduate of American University and has also studied at The Wharton School of the University of Pennsylvania and the London School of Economics. Her expertise encompasses areas such as divorce transition planning, liquidity management, portfolio management, small business strategies, special needs planning strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. In her personal life, Pamela is active with Success in Style, an organization supporting women pursuing employment. She enjoys biking, genealogy, hiking, reading, skiing, and spending time with her family. Pamela lives in Clarksville, Maryland, with her husband, Brian Baumgardner, and their family.

Thomas Burke is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in holistic wealth management, creating tailored investment portfolios and financial plans based on each client's unique needs. His client base includes business owners and corporate executives, for whom he develops strategies to accumulate wealth and transition that wealth into retirement income. Beyond investment management, he also addresses estate planning and insurance considerations to prepare clients for various scenarios. Thomas provides ongoing advice to local families, business owners, and retirees, focusing on growing and preserving wealth efficiently. His areas of expertise include college education planning, personal retirement planning, portfolio management services, tax minimization, and retirement income. His approach involves one-on-one collaboration to develop personalized financial strategies aligned with individual long-term goals. He holds a Bachelor's degree in Finance from Salisbury University and carries the Professional Investment Advisor (PIA) designation. Outside of his professional responsibilities, Thomas enjoys basketball, boating, football, golfing, and skiing.

Amber Rizer is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2015. 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.

Stephen Jozwick is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at OneMain Financial and Bank of America. 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.

Parul Verma is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. She has been with Merrill and Bank of America since 2019, having previously worked at Commerce Bank and Capital One Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily 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.

Stephen Hlibok is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since beginning his career in 1987, he has concentrated on developing wealth management strategies tailored to individual client needs. Stephen’s expertise encompasses services for endowments, foundations, and non-profits, personal retirement planning, portfolio management, socially responsible and values-based investing, special needs planning strategies, and retirement income. A key focus of his practice is serving deaf investors, offering direct communication in American Sign Language without third-party interpretation to ensure clear understanding of opportunities, risk tolerance, and investment tax efficiency. Stephen holds a Master’s degree in Vocational Rehabilitation from New York University and a Bachelor’s degree in Business Administration from Gallaudet University. He has earned the Personal Investment Advisor (PIA) designation and is affiliated with the National Association of the Deaf and the Gallaudet University Alumni Association. His work advancing financial services for the deaf community has received national media coverage. Outside of his professional role, Stephen is involved with the United States Deaf Ski and Snowboard Association and enjoys outdoor activities such as skiing, biking, hiking, boating, fishing, genealogy, and traveling.

John Foard is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been serving as a Financial Advisor since 1994, joining Merrill Lynch in 2002 after previous roles at First Union/Wachovia and Edward Jones. John holds a Personal Investment Advisor (PIA) designation. John specializes in portfolio management and asset allocation, designing customized investment portfolios that align with each client's unique preferences, timelines, cash-flow needs, and risk tolerance. He works closely with clients to identify their financial goals and needs, applying a disciplined investment methodology to help families advance their financial well-being through informed advice and tailored wealth strategies. He earned his high school diploma from Severn School and a bachelor's degree from Franklin & Marshall College. John is actively involved in his community, serving as the President of the Woodbridge Forest Homeowners Association and as an usher at Severna Park United Methodist Church. He lives in Severna Park with his wife Mary and their twin daughters. In his free time, John enjoys boating, golfing, gardening, landscaping, and outdoor grilling.

Matthew Hodgson is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill Lynch since 2016. 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 various institutional investors.

Gavin Jenkinson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2010 after earning a Bachelor of Science degree in Finance from the Martin J. Whitman School of Management at Syracuse University. Gavin 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 is also a qualified Portfolio Manager and holds FINRA Series 7 and 66 registrations, along with the Maryland Life and Health Insurance License. His areas of expertise include family wealth management strategies, legacy planning, liquidity management, portfolio management services, special needs planning strategies, tax minimization, and retirement income planning. In his personal life, Gavin enjoys spending time with his wife Michaela and their two sons, Noah and Luke. He has a background in athletics, having been a member of the Syracuse Lacrosse Team. In his free time, he enjoys coaching lacrosse and playing golf.

Richard Rieman III is a Financial Advisor at Merrill Lynch Wealth Management in Columbia, MD. He focuses on understanding each client's full financial picture to develop personalized strategies that adapt to changing market conditions. Richard provides access to the investment insights of Merrill and the banking and lending solutions of Bank of America, supporting clients in areas such as retirement planning, portfolio management, and education planning. With expertise in college education planning, family wealth management, liquidity management, socially responsible investing, and retirement income, Richard serves as a comprehensive resource for his clients' financial goals. He holds a Bachelor's Degree from the University of Baltimore and the Personal Investment Advisor (PIA) designation. Richard is involved in the community through volunteer work with the Maryland SPCA. Outside of his professional role, he enjoys basketball, cooking, golfing, hiking, reading, running, spending time with his family, and traveling.

Juliette Smith is a Series 66-licensed financial advisor with Merrill in Columbia, MD, with 26 years of industry experience. She has been with Merrill Lynch since 1999. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Pitrelli is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, N.A. and Roseville Wealth Management Group powered by Ameriprise. Outside of finance, he has worked at Bergen Pickleball Zone and attended Elizabethtown College. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Blair Hill serves as the Resident Director and Wealth Management Advisor at Merrill. He joined Merrill in 2000 and advises affluent families and individuals, including professionals, business executives, and entrepreneurs, on a wide range of wealth management needs. His expertise includes retirement income planning, gifting and estate planning services, concentrated stock strategies, private business succession and transition planning, and personal investment strategy. As a qualified Portfolio Manager, Blair manages personalized and defined strategies which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, sometimes on a discretionary basis through the firm's Investment Advisory Program. Blair holds a Bachelor's Degree from the University of Maryland at College Park. He has earned professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside his professional work, Blair is actively involved in his community, participating in organizations such as the Clarksville Rotary Club, Howard County Fair Association, Maryland 4-H Foundation, and the Ulman Cancer Fund for Young Adults. He is married to his wife Megan for over 25 years, with whom he has two children. The family lives on a working farm where they raise beef cattle alongside crops including wheat, soybeans, corn, and hay. When not assisting clients, Blair spends time outdoors on the farm, watching his children play lacrosse, and pursuing personal interests such as adventure sports, biking, camping, gardening, hiking, running, skiing, and surfing.