Misty Ambrose

Scott Macdonald is a Senior Financial Advisor at Merrill Lynch Wealth Management and the founder of the Special Needs Team. He has focused his career on addressing the financial needs of disabled, special-needs, and elderly individuals, providing wealth planning and investment management for Special Needs Trusts and other court-supervised trusts. Scott and his team collaborate closely with attorneys, caregivers, trustees, fiduciaries, benefits counselors, and other professionals to anticipate and address the near- and long-term needs of their clients. With over thirty years of experience, Scott applies extensive knowledge of the Uniform Prudent Investment Act, various state Probate Codes, and National Guardianship Standards. He uses sophisticated modeling tools and analytics to discern and address cash-flow requirements and quality-of-life parameters for special-needs populations. His approach is collaborative and centered on the well-being of each client. Scott earned his bachelor's degree from the California State University system and holds the Personal Investment Advisor (PIA) designation. He has been recognized by Forbes as one of the Best-in-State Wealth Advisors for multiple years, including 2020 through 2025. Scott is actively involved in professional and community organizations such as the Rotary Club of Tahoe Incline, Society for disAbilities, and the Tahoe Fire Helicopter Project. He enjoys boating, fishing, hiking, skiing, and spending time with his family.

Ralph Agostini is a Financial Advisor with Merrill Lynch Wealth Management who works primarily with small business owners and entrepreneurs. He focuses on helping clients preserve and grow retirement savings, manage personal and business assets, and establish strong succession plans to ensure financial independence and a secure retirement. His approach begins with a realistic assessment of each client's unique situation, taking into account their life, business, and family circumstances to develop a tailored financial roadmap. Ralph holds a Bachelor's and a Master's degree from The City College of New York and is a Personal Investment Advisor (PIA). Beyond his professional work, he is a member of the League To Save Lake Tahoe and supports community organizations including the ASPCA and Keep Tahoe Blue. In his personal time, Ralph enjoys antiquing, various sports, hiking, music, reading, skiing, spending time with family, and traveling.