Exton, PA Valley Creek Blvd Office

Ratnadeep Damle is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on understanding clients' financial and life priorities to customize strategies that align with their goals. His expertise includes college education planning, international wealth management, legacy planning, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Before joining Merrill, Ratnadeep managed the international division of an aerospace software company. He holds a Bachelor's Degree from the Massachusetts Institute of Technology and a Master's Degree from Columbia University. He carries the Personal Investment Advisor (PIA) designation. Ratnadeep is involved with community organizations such as Civil Air Patrol, CyberPatriot, and the MIT Alumni Group in the Delaware Valley Region. He speaks English, Marathi, French, Hindi, German, and Japanese. His personal interests include hiking, music, reading, singing, spending time with family, traveling, and yoga.

Carmine Ciccolella is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 1994. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Carmine specializes in retirement planning strategies, fixed income portfolio construction, and wealth management for affluent individuals and small business owners. His approach emphasizes preservation of capital, cash flow, and tailoring recommendations to align with each client’s income and growth objectives. Carmine holds a Bachelor of Science degree from the United States Naval Academy and a Master of Science degree from Golden Gate University. Following his graduation in 1986, he served as a Naval Officer for seven years, gaining experience in financial and logistics responsibilities. His professional focus includes family wealth management, liquidity management, tax minimization, investment planning, and estate transfer strategies. Carmine works closely with a Registered Wealth Management Client Associate to provide comprehensive financial advisory services. Residing in Hockessin, Delaware, Carmine is married with two sons. He is active in his local church and alumni association groups. Outside of work, he enjoys baseball, golfing, reading, and spending time with his family.

Vartan Karakelian is a Sales Manager and Wealth Management Advisor with Merrill Lynch Wealth Management. He has been serving affluent clients since 2001, providing guidance in areas such as divorce transition planning, equity compensation services, family wealth management strategies, managing new wealth, portfolio management services, tax minimization, and retirement income. He focuses on crafting written financial strategies tailored to each family's goals to help clients make informed decisions and achieve important outcomes. Mr. Karakelian holds a Bachelor's degree from Drexel University and a Master's degree from the University of Pennsylvania. He has earned several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional work, Mr. Karakelian is involved in his community as a deacon at St Gregory's Armenian Church and has served as a former Exchange Club President. He also participates in the Salvation Army and supports orphans and disadvantaged children abroad. His personal life centers on his family, including his wife of 35 years and their two children.

Elizabeth Smith is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2008. 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.

D. Scott Wisman is a Wealth Management Advisor with extensive experience at Merrill Lynch Wealth Management. Since 1982, he has provided customized wealth management services to affluent individuals, families, and professionals. His approach emphasizes taking a comprehensive view of wealth management that goes beyond clients' investments, beginning with listening to understand what is truly important to them before making recommendations. Scott draws on over 40 years of experience navigating both turbulent and prosperous markets. He specializes in constructing and managing fixed income portfolios and focuses on helping clients make decisions based on long-term goals rather than short-term market fluctuations. His client focus areas include college education planning, corporate executive services, executive compensation, family wealth management strategies, personal retirement planning, portfolio management, investment strategy, tax minimization, and retirement income. Scott earned his Bachelor's degree from Virginia Polytechnic Institute & State University. He holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has been recognized by Forbes as one of America's Best-in-State Wealth Advisors for multiple consecutive years and was named to Barron's America's Top 1,200 Financial Advisors list from 2011 to 2017. Outside of his professional work, Scott is an avid skier and sports car enthusiast. He resides in West Grove, Pennsylvania, with his wife, Barbara. They have two children, Jennifer and Michael, the latter of whom is a Financial Advisor with the team.

John Rosecky is a Wealth Management Advisor with Merrill Lynch Wealth Management. He assists clients by providing financial services through a broad platform that can be tailored to meet specific needs. His approach involves working closely with clients to create personalized financial strategies designed to help pursue their individual goals. John's expertise encompasses liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. He carefully considers cost, tax implications, and risk to help ensure clients make informed and confident financial decisions. He also has access to specialists in commercial loans, corporate financing, trust services, 401(k) plans, residential mortgages, and life/long-term care insurance. He holds a Bachelor's Degree from Drexel University and professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). John is involved in professional and community organizations such as the St. Andrews Society of Philadelphia and serves as President of the Delaware County Medical Society Public Health Fund. He also participates in community volunteer activities.

Jonathan Wood is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Exton, Pennsylvania office. He is part of The Wood Cain Group, a team with over 92 years of Wealth Management and Financial Services experience, focusing on serving a select group of successful families and businesses. The team bases its planning relationships on clients' financial needs, objectives, time horizons, and risk tolerance, aiming to assist in wealth accumulation, preservation, and transfer strategies. Jonathan's expertise includes areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. The team's process incorporates asset allocation, liability management, tax minimization strategies, and asset preservation. He holds a Bachelor's Degree from Pennsylvania State University and a High School Diploma from Ridgewood High School. Jonathan is also a member of the Pennsylvania State University Alumni Association.

Lei Knopp is a financial advisor with Merrill in Exton, Pennsylvania, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill Lynch since 1995. 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 institutions.

Elama Ali is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to her current role, she worked at Aunt Molly's Discount Beverage and Aston Gardens. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Andrew Aramany is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2005 and brings over two decades of experience in the financial services industry, including prior positions at the Vanguard Group and Lincoln Financial Group. Andrew holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), CHARTERED FINANCIAL CONSULTANT (ChFC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Andrew earned a bachelor’s degree from the University of Delaware and a master’s degree from Villanova University. At the University of Delaware, he was awarded an Athletic Letter Award for football. He works closely with clients to develop investment strategies tailored to their financial goals and risk tolerance, focusing on areas such as college education planning, liquidity management, managing new wealth, personal retirement planning, and women and wealth. In addition to his advisory role, Andrew teaches investment-related courses at the Life Long Learning Institute at Immaculata University and Chester County Night School. Andrew resides in Downingtown, Pennsylvania, with his wife and three children. His personal interests include biking, football, golfing, racquetball, running, scuba diving, and tennis.

Christine Gordon is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning her career in financial services in 1999, she has focused on assisting clients through a holistic, formula-based approach to accumulating, managing, and preserving wealth. Christine works closely with individuals, families, and businesses, providing integrated wealth management and planning services based on a comprehensive understanding of each client’s financial situation and priorities. With over two decades of experience, Christine’s expertise includes retirement planning, business transition strategies, college education planning, legacy planning, and socially responsible investing. She holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Christine also completed a Non-Accredited Certificate Program at Taylor University. She is active in professional and community organizations such as the Southern Chester County Chamber of Commerce and Believers In Business, where she serves on committees and the board. Christine is committed to providing objective advice and personalized service, emphasizing integrity and attention to detail. She views financial advising as a process that requires adaptability to life changes and aims to empower clients to take control of their financial lives. Living in Chester County, she participates in local community activities and enjoys cooking, gardening, golfing, horseback riding, and photography.

Andrew Rosecky is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in managing new wealth, personal retirement planning, and portfolio management services, working closely with clients to develop personalized financial strategies tailored to their individual goals. His approach includes thorough consideration of costs, tax implications, income needs, and risk management. Andrew holds a Bachelor's Degree from Drexel University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise extends to a range of financial services such as commercial loans, corporate financing, trust services, 401(k) plans, residential mortgages, and life/long term care insurance, with banking, credit, and lending offerings provided through Bank of America. In addition to his professional focus, Andrew engages in community volunteering activities in line with the Merrill tradition. He has personal interests in football, music, pickleball, and yoga.

Brett Mayne is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has worked at Merrill since 2019 and was previously with Bank of America, N.A. He also has experience with Bank of America Merrill Lynch and spent time working at the University of Tampa. 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 a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Peter Snelling is a Wealth Management Advisor at Merrill Lynch Wealth Management, serving managers, professionals, and rising executives. He advises clients through financial transitions related to career moves and retirement. Since beginning his career as a financial advisor in 1983, Peter has guided clients in preserving and growing their assets through various market cycles and life events. He focuses on a wide range of financial matters, including wealth accumulation, legacy planning, education investing, and long-term planning. Peter regularly offers workshops on career transitions and retirement. He joined Merrill Lynch in 2008 to utilize the firm's extensive platform. Peter works cooperatively with clients' other advisors, such as tax attorneys and accountants, and leverages expertise in estates and trusts through Merrill and Bank of America. Peter holds a Bachelor's Degree from the University of Delaware and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He and his team maintain a boutique practice size to provide a high-touch approach, with many client relationships spanning more than 20 years.

Helen O'hara is a Wealth Management Advisor at Merrill Lynch Wealth Management. She works with families, small business owners, and corporate executives through every phase of their financial journey—from career-building years and pre-retirement planning to retirement and legacy planning. Helen helps clients navigate uncertainty, gain clarity about their future, and simplify their financial lives so they can focus on what matters most. Prior to joining Merrill, Helen spent over 25 years building a local real estate company into an industry leader. She began her career at Deloitte, where she earned her Certified Public Accountant (CPA) designation and developed a strong foundation in business and finance. She holds a Bachelor of Science degree in Accounting from Villanova University School of Business. Helen earned the CERTIFIED FINANCIAL PLANNER™ (CFP) certification in 2014 and also holds designations as a Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Helen resides in West Chester, PA with her family and rescue dogs. Outside of work, she enjoys cycling, boating, traveling, and spending time at the Jersey Shore. She is involved with community initiatives such as Better Money Habits through Bank of America and participates in the professional organization Beacon.