Douglas Gusmus

Michael E. Sears is Senior Vice President and Senior Resident Director of the Panama City, Florida office at Merrill Lynch Wealth Management. He joined Merrill Lynch in 1996 as a Financial Advisor and provides expertise in investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. He works closely with clients to develop personalized financial strategies aligned with their long-term goals. Mr. Sears holds a Bachelor's Degree in Business from Salisbury State University and has earned several professional designations, including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has also served in leadership roles within the Bay County Chamber of Commerce, including Chairman of the Board and Executive Board member, and has been involved with the Military Affairs Committee. In addition to his professional responsibilities, Mr. Sears participates actively in his local community. He has coached soccer at North Bay Haven Charter School and dedicates time to volunteering with community organizations. He enjoys spending time with his family and engaging in outdoor activities such as biking, boating, fishing, golfing, scuba diving, skiing, soccer, and table tennis.

Daniel Eurich is a financial advisor currently serving as an FSA at Merrill Lynch Wealth Management. He focuses on helping clients identify their financial priorities and creating strategies to pursue their financial goals. Daniel's approach centers on understanding what matters to clients and their families to tailor financial plans accordingly. He holds both a Bachelor's Degree and a Master's Degree from Florida State University. His educational background supports his role in providing wealth management services at Merrill Lynch.

Juan Andrada is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in working with clients to develop customized, goals-based financial strategies that address unique priorities for today and the long term. Juan assists clients in managing concentrated stock positions and navigating transition events such as retirement, inheritance, or the sale of a business. He provides clients access to Bank of America Private Bank services for trust and estate planning needs, as well as banking and lending solutions through Bank of America. In addition, he collaborates with clients' attorneys, accountants, and other advisors to coordinate comprehensive financial and legacy planning. Juan holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma from Instituto Argentino de Ensenanza Secundaria. He also attended Southern Illinois University System without obtaining a degree. Fluent in English and Spanish, Juan engages actively in his community through involvement with organizations including Bay Arts Alliance, Bay Education Foundation, the Rotary Club of Downtown Panama City, and volunteering with Habitat for Humanity of Bay County. Outside of his professional commitments, he enjoys reading, woodworking, and spending time with his family.

John Perez Sanchez is a Financial Solutions Advisor (FSA) with Merrill Lynch Wealth Management. He works closely with clients to uncover their priorities and develop strategies aimed at pursuing their financial goals. John holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned his bachelor's degree from Valdosta State University.