New York, NY One Bryant Park Division Northeast Office

Joy Chaillou is a financial advisor at Merrill with 19 years of industry experience, including 16 years at Merrill. She holds the Series 63, Series 65, and Series 66 designations. Outside of her advisory role, she is a writer contributing to a book project with John Wiley & Sons titled *Investment & Development Solutions: A Guide to Thriving in Today's Economy*. 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.

Rocco Papandrea is an International Wealth Advisor and the senior member of the Merrill Lynch Wealth Management Team - PSS Associates. He has been providing financial and wealth management advice and guidance for over 30 years, joining Merrill Lynch in 1995 and founding PSS & Associates in 2004. Rocco focuses on goals-based wealth management with specialties including corporate retirement strategies, retirement benefits consulting, trust and estate planning, and services for individuals, corporations, small to mid-sized business owners, and non-profit organizations. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), Chartered Retirement Plans Specialist™ (CRPS™), Certified 401(k) Professional (C(k)P®), and Certified Plan Fiduciary Advisor® (CPFA®). Rocco earned a Bachelor's Degree in Business Management from New York University Stern School of Business. He has served in leadership roles such as Past Chairman of Merrill's Financial Advisory Council to Management and has been recognized consistently by Forbes and the Financial Times among top financial advisors. Beyond his professional career, Rocco is involved in community service and organizational leadership. He has served as Vice Chair and Board Member of Ascendant Neighborhood Development Corporation, focusing on housing and services for New York's elderly and low-income populations. He also chairs the Audit Committee for SOMOS Community Care, a physician-led network aimed at improving healthcare for Medicaid members in New York City. Rocco serves on the Board of Trustees for Cathedral Preparatory High School and Seminary in Queens. He was born and raised in Brooklyn and currently lives in Tribeca, New York City with his family. His personal interests include golfing, music, skiing, traveling, and watching movies.

Christopher Underhill is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill and Bank of America since 2015, following prior roles at UBS Financial Services and IHS Herold Inc. Outside of his advisory work, he serves as a consultant and umpire for the City of Norwalk Recreation & Parks Department's recreational softball programs. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Melissa Pablo is a financial advisor at Merrill in New York, NY, holding a Series 66 designation with six years of industry experience. She has been with Merrill since 2007, totaling 19 years at the firm. 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 designed by internal Chief Investment Office teams and third-party managers for a range of clients including individuals, high-net-worth clients, and institutional entities.

Ian Dailey is a financial advisor at Merrill in New York, NY, holding a Series 66 designation with two years of industry experience. His prior work includes roles at PolicyPartner LLC and The Press Room. Outside of finance, Dailey is a drummer and partial owner of Home Remedies LLC, a band based in Washington, DC, involved in producing music and managing related activities. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Suhaila Palumbo is a Series 66-licensed financial advisor with 12 years of industry experience. She is currently with Merrill and Bank of America, where she has worked since 2014, including a one-year tenure at Ellevest. 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.

Himanshu Kumar is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their unique ambitions and priorities, helping them develop personalized financial plans that address a range of goals including investing, retirement planning, and preparing for unexpected expenses. Himanshu's approach emphasizes simplicity and transparency to help clients navigate the complexities of wealth management. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Himanshu earned an Accredited Certificate from the Australian Institute of Technology and Education. Fluent in English, Punjabi, Hindi, and Urdu, he aims to build strong relationships that support clients as their financial needs evolve. Outside of his professional role, Himanshu is involved with the Fresno Cambodian Buddhist Society, Inc.

Joseph Wightman is a financial advisor at Merrill with seven years of industry experience and holds the Series 66 designation. Prior to joining Merrill in 2025, he worked at UBS Financial Services for multiple periods totaling six years. 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.

Kevens Grammont is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America, Harvard College Fund, and Harvard Law School. 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 client types including individuals, high-net-worth clients, and institutional investors.

Anna Khots is a Series 66 licensed financial advisor at Merrill with eight years of industry experience. She has worked at Merrill since 2018 and previously held roles at Bank of America (U.S. Trust) between 2016 and 2018. Khots serves as a committee member and volunteer on the finance committee for the nonprofit organization Chess in the Schools. 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 individual and institutional clients.

Michael D'Ambrosia is a financial advisor at Merrill with 21 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2011 as well as Bank of America, N.A. since 2014. 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 plans, corporations, and charitable organizations.

Mark Sutterlin is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 2008. Outside of his advisory role, he serves as an executor of an estate and is a board member of both the Institute for Portfolio Alternatives and Real Assets Advisor, contributing to industry advocacy and strategic direction in alternative investments. 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 supported by internal and third-party managers for a range of individual and institutional clients.

Cole Boehmer is a Financial Advisor at Merrill Lynch Wealth Management and a member of The Boehmer Group. He joined Merrill in 2025 following nine years in the asset management industry. Before his current role, Cole worked as an Advisor Consultant at Columbia Threadneedle Investments, where he shared capital market outlooks with financial advisors at major brokerage firms and regional banks across Ohio and Western Pennsylvania. He assisted advisors in identifying client goals and delivering risk management and investment solutions. In his role at Merrill, Cole works closely with families and business owners to define financial goals, develop comprehensive plans, implement strategies, and monitor progress. He leverages Merrill's resources to support clients in managing various aspects of their financial lives. Cole holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation and the Certified Investment Management Analyst® (CIMA®) accreditation, among other professional certifications. Cole received his Bachelor of Arts in History from Amherst College in 2016, where he was also a member of the varsity football team. He graduated from University School in Hunting Valley, Ohio, and currently serves on its Alumni Council. Cole and his wife, Jess, live in Framingham, Massachusetts. Outside of work, he enjoys spending time with family and friends, traveling, cooking healthy recipes, supporting Cleveland sports, indoor cycling, and reading.

Thomas Grammatico is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Riter, Grammatico, Reich, White, Tufts & Associates team. He works closely with individuals, families, and business owners, providing personalized financial strategies to help build, preserve, and transition wealth. His client focus areas include retirement planning, investment management, business planning, multigenerational wealth strategies, and legacy planning. Before joining Merrill, Mr. Grammatico held positions in Treasury and Market Risk Management at Constellation Brands and in Ernst & Young's Banking & Capital Markets practice. These roles have equipped him with a unique perspective on financial markets, risk management, and strategic decision-making. He holds a Bachelor of Science degree in Accounting with a minor in Finance from SUNY Geneseo, graduating magna cum laude. Additionally, he holds the Personal Investment Advisor (PIA) designation. Based in Western New York, Mr. Grammatico enjoys sporting activities such as golfing and playing hockey. Outside of work, he spends time outdoors with his wife, Carolyn, and their dog, Goose.

Alexander Zaharchuk is a Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth planning for individuals, families, and small businesses. He helps clients build personalized financial strategies that align with their goals, values, and life stages, integrating financial planning with tax-efficient strategies to help preserve and grow wealth. In his role, Alexander leverages the synergies between Merrill and Bank of America to offer clients access to a comprehensive range of banking and investment solutions. This integrated platform supports coordination across lending, cash management, retirement planning, and investment advisory services. His expertise includes family wealth management, liquidity management, retirement income planning, portfolio management, small business strategies, and tax minimization. Alexander holds a Bachelor's Degree from Wake Forest University and has earned the professional designations Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, he enjoys activities such as fishing, golfing, hiking, ice hockey, music, pickleball, skiing, soccer, spending time with his family, and watching movies.