PROFESSIONAL PROFILE

Paul Pepperman is a Portfolio Manager in the Personal Investment Advisor program, Senior Vice President-Investments and Wealth Management Advisor. He earned his CFM designation in 1998, CIMA designation in 2002 and CFP® certification awarded by the Certified Financial Planner Board of Standards, Inc. in 2006. He is the Resident Director of the Merrill Lynch Encino office and began his career at Merrill Lynch in 1984. Paul and his wife Jackie have two daughters and Paul is very active in the local community where he is the President of his synagogue as well as on the Board of Directors for the Jewish Federation Valley Alliance.

Chip Humphries is a Portfolio Manager in the Personal Investment Advisor program, Senior Vice President-Investments and a Wealth Management Advisor. He earned his CFM designation in 1998 and CFP® certification awarded by the Certified Financial Planner Board of Standards, Inc. in 2006. He earned his CIMA designation in 2007. Chip began his career at Merril Lynch in 1996. He graduated from UCLA with a degree in Economics and lettered in tennis for 3 years. He is the Director of the Bruin Professionals Valley organization. Chip and his wife Alissa have three children and are active in their support for UCLA.

Richard Reuben is an Investment Associate. He specializes in helping clients develop an appropriate investment strategy for their unique situation. He has been with Merrill Lynch since 1975.

Val Dowling is a Senior Registered Client Associate. She began her career at Merrill Lynch in 1984.

Shelly Petersohn is a Client Associate. She began her career at Merrill Lynch in 2007.