Carolyn Kunik is a financial advisor at Merrill with 23 years of industry experience, including 17 years at Merrill. She holds Series 63 and Series 66 designations. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicole Morgia is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill Lynch Pierce Fenner & Smith since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers multiple investment strategies including model-based and discretionary approaches, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Paul O'Keefe is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 35 years of experience in investment management, focusing on retirement planning for individuals and small businesses, wealth management, and other client needs such as education planning, family wealth management strategies, and socially responsible investing. Paul employs a consultative and disciplined approach to develop personalized financial strategies aimed at helping clients achieve their life goals. Paul holds a Bachelor of Arts degree from Michigan State University. He has earned several professional designations, including Chartered Retirement Planning Counselor (CRPC), Retirement Accredited Financial Advisor (RAFA), Personal Investment Advisor (PIA), and Certified Plan Fiduciary Advisor (CPFA). Throughout his career, Paul has leveraged the resources available at Merrill, including research and specialists, to deliver customized financial planning to his clients. Outside of his professional work, Paul enjoys a variety of outdoor activities such as boating, fishing, golf, and spending time with his family. He is involved with community organizations including the Ovarian Cancer Research Alliance (OCRA) and the Red Cross, reflecting his commitment to community service. Paul resides in Shelby Township, Michigan.

Stephen Nofs is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management, where he co-founded the Nofs Oprinski Group. He specializes in providing wealth management strategies for uniquely successful families, business owners, physicians, and non-profit organizations. Stephen works closely with research analysts and portfolio managers to offer investment leadership and guidance grounded in strategic and tactical asset allocation and portfolio construction, aligned with the firm's Goals-Based Investing approach. Stephen holds a Bachelor of Science degree from Eastern Michigan University, where he attended on a full athletic scholarship for football. Following graduation, he served in various roles within the Department of Justice for ten years, including being named Officer/Agent of the Year and serving as a Lead Firearms Instructor and member of the Special Operations Response Team. He later earned a Master of Business Administration (MBA) from the University of Phoenix before joining Merrill in 2000. He served as Resident Director of the Clinton Township Merrill Branch from 2006 to 2021. His professional credentials include the Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA®) designation, Certified Plan Fiduciary Advisor (CPFA®) designation, Chartered Retirement Planning Counselor (CRPC™) designation, and Chartered Retirement Plans Specialist (CRPS™) designation. Stephen holds Series 7, 9, 10, 31, 66, and 67 FINRA registrations, is registered in all 50 states, and carries life insurance licenses. Outside of his professional work, Stephen enjoys staying active and spending time with his two children.

Jennifer Oprinski is an Associate Resident Director at Merrill, where she brings a comprehensive approach to wealth management. Having joined Merrill in 2000 after two years at Bank of America, she combines her banking and lending experience to offer well-rounded financial perspectives. Jennifer is also the branch manager of the Clinton Township office and has served as Resident Director since 2023. She co-founded the Nofs Oprinski Group in 2010, focusing on goals-based strategies for families, business owners, dentists, and physicians. Jennifer holds the Certified Plan Fiduciary Advisor® (CPFA®) designation, Certification in Longevity Training from the University of Southern California, and several FINRA registrations including Series 7, 9/10, 31, 63, and 65. She is licensed in all 50 states and holds life and health insurance licenses. Her expertise covers areas such as college education planning, divorce transition planning, family wealth management, legacy planning, retirement planning, portfolio management, small business strategies, and socially responsible investing. Committed to community involvement, Jennifer volunteers with organizations including Habitat for Humanity, Macomb Charitable Foundation, Meals on Wheels, and Miracle League. She is also active in her parish. Outside of work, she enjoys baseball, music, photography, reading, traveling, yoga, and spending time with her family, including her husband and two grandchildren.