PROFESSIONAL PROFILE

Jeffrey A. Ferrante, First Vice President - Investments, has worked in the financial services industry since 1981 and has been with Merrill Lynch since 1986. He is a Certified Financial Planner, a Chartered Retirement Planning Consultant, a Wealth Management Advisor, and manages client portfolios within the Personal Investment Advisor Program. Jeff received his BS in Business Administration with a major in Accounting from Bryant University and earned an MBA in Finance from University of Miami. Jeff resides with his wife and three children in North Andover, and is active in several local civic organizations and charities.

Bernard B. Kavanagh, First Vice President - Investments, has worked in the financial services industry since 1986 and has been with Merrill Lynch since 1992. He is a Certified Financial Manager, a Certified Special Needs Advisor, a Senior Financial Advisor, and manages portfolios within the Personal Investment Advisor Program. Bernie graduated from Assumption College with a BS/BA in accounting. He lives with his wife and three children in North Andover, and is active in several local organizations and charities.

Lawrence A. Hurst, First Vice President - Investments, has worked in the financial services industry since 1987 and has been with Merrill Lynch since 1990. He is a Wealth Management Advisor. Larry is a graduate of Franklin Pierce College and lives with his family in Andover, where he is active in local organizations and charities.