Matt Garasic

Daniel Memo is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1998 and began his career with Smith Barney. Daniel focuses on serving high net worth individuals and business retirement planning. He holds FINRA Series 7, 66, 3, and 31 registrations. Daniel earned a Bachelor of Science degree in Business Administration from John Carroll University. He also holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His areas of expertise include college education planning, corporate benefits, equity compensation services, retirement income, and small business strategies. Daniel is active in the Poland community where he resides with his wife, Erin, and their four sons. He participates in organizations such as the Poland Community Baseball Association, Poland Flag Football, and St. Vincent De Paul. He has served as a board member of the Rich Center for Autism and is affiliated with Magic of Michael. Outside of work, Daniel enjoys baseball, basketball, football, golfing, swimming, table tennis, traveling, and spending time with his family.

William Miner is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1999 and joined Merrill Lynch in 2007, where he provides financial guidance to a loyal clientele of high-net-worth individuals and families. His client focus areas include education planning, family wealth management strategies, institutional investment consulting, retirement income planning, and small business strategies, among others. William holds several professional designations including Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned both a Bachelor of Science degree in Finance, graduating magna cum laude, and a Master of Business Administration from Youngstown State University. Throughout his career, William has been recognized on multiple occasions by Forbes in their "Best-in-State Wealth Advisors" and "America’s Top Next-Generation Wealth Advisors" lists. He was also named to Forbes' "Best-in-State Wealth Management Teams" list as a member of the Miner Wealth Management Team. Born and raised in Mahoning County, William resides in Lowellville with his wife, Melissa, and their three children. He participates actively in his community, serving on the board of Northeast Ohio Adoption Services and supporting organizations such as United Way, Rotary, and the American Heart Association. Outside of work, William enjoys coaching his children in sports, as well as traveling, playing billiards, golfing, and following football.

Joel Bender is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career with Merrill in 1989 and has spent over 35 years developing his expertise in financial services. Throughout his career, Joel has worked in the Youngstown / Canfield Office, serving clients in the local area where he has been a lifelong resident. His areas of focus include education planning, family wealth management strategies, managing new wealth, personal retirement planning, small business strategies, and individual and corporate investment strategy. Joel holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Baldwin-Wallace College. Joel follows the Merrill tradition of community involvement and spends time volunteering with local organizations. Outside of work, he enjoys cooking, fishing, and gardening. His approach centers on working one-on-one with clients to develop personalized financial strategies aimed at helping them pursue their long-term goals.

Samuel Eddy is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their financial goals and develop personalized wealth management strategies. His approach emphasizes frequent communication and a consultative, objective commitment to helping affluent individuals and their families pursue long-term financial objectives. Sam joined Merrill in 2011 after a more than 30-year coaching career in college football. He holds a Bachelor's degree from Taylor University and a Master of Science degree from the University of Massachusetts Amherst. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Active in the Youngstown community, Sam participates in the Youngstown State University Penguin Club and is a member of St. Patrick's Catholic Church. He and his wife, Connie, live in Boardman, OH and are parents to two adult children. His client focus areas include personal retirement planning, small business strategies, and retirement income.