Autumn Sears is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, she was employed at Oppenheimer and has worked in various roles across multiple organizations, including Michigan State University and Flint Cultural Center Corporation. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Frank Bustamante is a financial advisor with Merrill in East Lansing, MI, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Merrill since 1983 and has also worked at Bank of America since 2009. Outside of his advisory role, he is the owner of Blue 182, a non-profit organization that owns aircraft. 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, offering both model-based and discretionary investment strategies to individuals, high-net-worth clients, and various institutions.

Gregory Friddell is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2020. Friddell also attended Michigan State University from 2013 to 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies managed by internal teams and third-party style managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Draggoo is a Wealth Management Advisor and co-founder of the Draggoo Huber Team. He has been working with Merrill since 1985, building a practice that focuses on proactive service and customized financial strategies. Kevin works with successful individuals and families, specializing in managing complex financial situations and sudden wealth events such as business sales and significant executive compensation. By utilizing Merrill's global investment platform alongside the banking services of Bank of America, he offers comprehensive services including investment management, lending strategies, risk management, and wealth preservation planning. Over his career, Kevin has developed expertise in guiding clients through managing substantial liquidity with disciplined planning. He holds professional designations including CERTIFIED FINANCIAL PLANNER® and Chartered Retirement Planning Counselor™. Kevin graduated summa cum laude from Michigan State University with a Bachelor of Arts in Business Administration. He has been recognized nationally as a leading financial advisor, including being named to Forbes' Best-in-State Wealth Advisors list in 2018 and 2019. Committed to community involvement, Kevin contributes his time and leadership to organizations such as the Capital Region Community Foundation. He values his family and enjoys golfing outside of his professional commitments.

David Anderson is a Financial Advisor at Merrill Lynch Wealth Management. He builds his financial practice around providing honest and sound financial advice, emphasizing communication and accessibility to ensure clients feel confident and comfortable with their financial plans. David focuses on understanding clients' short-, mid-, and long-term goals to develop tailored financial plans, backed by research from the Chief Investment Office and Bank of America Global Research, and provides ongoing advice as client needs evolve. His expertise includes education planning, family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. David holds a Bachelor's Degree and a Master's Degree from Michigan State University and carries the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, David enjoys golfing, fishing, hunting, and spending time with his family. He is based in the Lansing area.

Michael Glaser is a Wealth Management Advisor with Merrill Lynch Wealth Management. He holds the title of Senior Vice President and brings expertise in individual equities, options, and retirement planning. Michael began his career with Merrill Lynch in 1994 after earning a Bachelor's degree in Finance from Michigan State University. He holds the Chartered Retirement Planning Counselor℠ designation and is recognized as a Personal Investment Advisor (PIA). His professional focus includes helping clients with retirement planning and managing investment options. Originally from Manchester, Connecticut, Michael currently resides in East Lansing, Michigan with his wife and two children.

Yarwijn Burnett is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with Merrill since 2014, joining as part of the Draggoo Huber Team. Prior to her current role, she worked as a banker for JPMorgan Chase Bank starting in 2008. She holds Series 7 and 66 FINRA registrations and the Personal Investment Advisor (PIA) designation. Yarwijn advises retirees, women in transition, executives, and entrepreneurs, helping them pursue their financial goals and aspirations. Utilizing Merrill's proprietary Wealth Outlook and other analytical tools, she evaluates clients' overall financial well-being by considering variables such as retirement spending, inflation, taxes, asset allocation, and longevity expectations. Her approach emphasizes collaboration and attentive listening to provide personalized guidance tailored to each client's priorities. She holds a High School Diploma from Delphian School. Outside of work, Yarwijn dedicates time and resources to organizations such as the Greater Lansing Arts Council, Lansing Symphony, and Ingham County Animal Shelter. She and her husband, Adam, an attorney for the Sixth Circuit U.S. Court of Appeals, enjoy Lansing's art and music culture, as well as outdoor activities like hiking and camping with their two sons, Theodore and Winston.

Christian Ragsdale serves as a Resident Director at Merrill, where he focuses on wealth management strategies tailored to individual client goals. His role involves collaborating with business owners, entrepreneurs, families, and retirees to address areas such as retirement planning, business succession, and multigenerational wealth transfer. He holds the CFP®, CPFA®, and CEPA® certifications and works closely with clients and their professional advisors, including attorneys and CPAs, to coordinate personal, business, and legacy planning objectives. Christian takes a disciplined, goals-based approach leveraging the resources of Merrill and Bank of America to align financial strategies with client priorities. Christian is actively involved in his local community through educational, charitable, and civic organizations such as Generation Lansing, Junior Achievement of Mid Michigan, and the Laingsburg School Board. He is a graduate of Michigan State University with a bachelor's degree in Supply Chain Management. Outside of work, he enjoys spending time with his wife and sons.

Hayden Cross is a Financial Advisor with Merrill Lynch Wealth Management, where he works as part of the Benington Cross Group to provide comprehensive wealth management strategies. He focuses on understanding clients and their families to create customized financial plans that adapt to changing needs and market conditions. His approach integrates investment insights from Merrill and banking services from Bank of America to address various aspects of clients' financial lives. Hayden graduated in 2021 from Central Michigan University with a bachelor's degree in Personal Financial Planning. He also holds an associate's degree from Grand Rapids Community College. Early in his career, he participated in an advisor development program with Bank of America and Merrill, gaining experience as a relationship manager and financial solutions advisor. Hayden holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Committed to the communities he serves, Hayden follows the Merrill tradition of volunteering with local organizations. Outside of work, he enjoys a variety of outdoor and recreational activities such as adventure sports, baseball, biking, fishing, golfing, hiking, photography, scuba diving, skiing, and watching movies.

Bryan Allen is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. He has worked with Merrill and its predecessor entities since 2018 and previously spent two years at UMB Fund Services. Outside of advisory work, he is involved in a guardianship role in Sturgeon Bay, Wisconsin. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Richard Sneary is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in retirement planning and wealth management strategies. With over two decades of experience in the financial industry, Rich integrates his expertise with the resources of Bank of America and Merrill to provide tailored financial solutions that align with his clients' goals. He is committed to building long-term relationships that adapt to clients' unique needs and life stages. Rich holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He obtained his High School Diploma from North Adams High School. His practice areas include college education planning, employee benefits planning, LGBT wealth planning, personal retirement planning, portfolio management services, socially responsible and values-based investing, and retirement income. In addition to his professional commitments, Rich serves on advisory boards for the Wharton Center for the Performing Arts and University of Michigan - Sparrow Specialty Health Center. He is also actively involved in community organizations such as Habitat for Humanity, Junior Achievement, and the Red Cross. Outside of work, Rich enjoys biking, boating, gardening, hiking, music, reading, running, spending time with family, traveling, and watching movies.

Kevin Moore is a financial advisor with Merrill in East Lansing, MI, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Merrill since 2010 and at Bank of America since 2011. In addition to his advisory role, he serves as a trustee for family trusts and holds power of attorney for relatives. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Pence is a Wealth Management Advisor and partner with the Ammon Meyer Pence Group at Merrill Lynch Wealth Management. He has over 25 years of experience as a financial advisor, focusing on helping families and individuals with wealth planning, including education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, and individual and corporate investment strategy. John is responsible for tailoring individual client portfolios, adhering to specific asset allocation models, and managing custom investment strategies. He works closely with clients from various backgrounds such as attorneys, physicians, private business owners, executives, and university faculty. His approach includes coordination with philanthropic specialists, attorneys, and accountants to support legacy and philanthropic giving strategies. John holds the Certified Investment Management Analyst (CIMA) designation, Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA) credentials. He is a graduate of Michigan State University with a Bachelor's Degree and lives in DeWitt, Michigan with his wife Carrie and their three grown children. John is an active member of the Rotary Club of Lansing and St. Gerard Catholic Church. He serves as chair of the Homeless No More event supporting the area's homeless population and is a board member of Holy Cross Services. In his personal time, John enjoys boating, golfing, and spending time with his family.

Benjamin Vigil is a Financial Advisor with Merrill Lynch Wealth Management, where he specializes in helping clients develop tailored financial strategies. He focuses on understanding individual client goals and providing guidance across various areas including college education planning, family wealth management strategies, portfolio management services, tax minimization, and retirement income. Benjamin holds a Bachelor's Degree from Michigan State University and is a Personal Investment Advisor (PIA). He collaborates closely with clients to address their financial concerns and questions, offering ongoing advice as their needs evolve. His approach includes providing access to Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of his professional work, Benjamin enjoys golfing, pickleball, and woodworking.

Andrew Pence is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Ammon Meyer Pence Group. He joined Merrill Lynch in 2021 and has been in the financial services industry since 2019. In his role, Andrew delivers customized advice and guidance to families, focusing on a holistic approach to wealth management. His work involves coordinating with clients' attorneys, accountants, and philanthropic specialists to develop financial strategies tailored to their needs. Andrew's expertise includes college education planning, family wealth management strategies, defined benefit plans, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, and individual and corporate investment strategy. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree in Advertising Management from Michigan State University. Andrew and his wife, Victoria, reside in Dewitt and are active in their community. He enjoys spending time with family and friends, attending Michigan State University sporting events, golfing, and boating. They also have a family cottage in East Jordan, Michigan.

Brianna Cheesmond is a financial advisor with Merrill in East Lansing, MI, holding Series 65 and Series 66 licenses and seven years of industry experience. Her prior roles include positions at Bank of America, AE Wealth Management, Raymond James Financial Services, and Trifound Advisory. She serves on the board of the Laingsburg Business & Community Association and leads its winterfest event committee. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, pension plans, and charitable organizations.

Marc Merritt is a Wealth Management Advisor with Merrill Lynch Wealth Management and a co-founder of The BZEMS Group. He has spent his entire career with Merrill, focusing on helping affluent families, small business owners, and nonprofit organizations grow and secure their wealth. Additionally, Marc serves as a Retirement Benefits Consultant on a Merrill retirement plan advisory team, supporting corporate benefit plans. Marc's approach to wealth management centers on philosophy, process, and structure. He works closely with clients to identify their personal and financial goals, developing tailored strategies and cohesive plans unique to each client's circumstances. His team emphasizes clear communication about investment selections, the research process, and fee transparency to help clients manage changes such as major life events or portfolio adjustments. Marc holds a Bachelor's Degree from Michigan State University and holds several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He lives in Okemos with his wife and two daughters. Outside of work, Marc enjoys golfing, ice hockey, skiing, biking, and supports several nonprofits and charitable organizations in his region.

Scott Ammon is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his financial services career in 1989 and joined Merrill in 2010. Scott provides wealth planning advice and investment guidance to clients, with a particular focus on alternative investments including hedge funds, private equity, and real assets. He is a qualified Portfolio Advisor able to recommend Merrill or approved third-party investment managers' strategies, funds, or portfolios. Scott holds the Chartered Retirement Planning Counselor (CRPC) and Certified Plan Fiduciary Advisor (CPFA) designations. He earned a Bachelor's degree in Economics from Eastern Michigan University. As a longtime practitioner of planning-based wealth management, Scott supports clients in achieving their financial independence and personal fulfillment through a thorough planning process integrated with investments, trust, and banking services. A lifelong resident of the Lansing area, Scott and his wife, Brenda, are active in their community and enjoy family activities such as traveling, boating, hiking, and supporting their four children. He is involved with the Lansing Chamber of Commerce Policy Committee and supports local organizations including Lansing Montessori Children's House and the Lansing MSU Jazz Club. Outside of work, Scott enjoys fly fishing and playing guitar.

Steven Cross is a Senior Financial Advisor at Merrill Lynch Wealth Management, leading the Cross Ragsdale & Associates team. Since joining Merrill in 2013, he has leveraged extensive industry knowledge and access to Bank of America's global banking resources to provide comprehensive wealth management services. Steven has over 30 years of experience in the financial services industry, with expertise in corporate benefit programs and retirement benefits. Steven focuses on helping clients integrate their corporate benefits into long-term financial plans that include risk management, taxation strategies, and wealth transfer. His client services cover education planning, family wealth management, retirement income strategies, philanthropic planning, and investment consulting for defined contribution plans. He holds a Bachelor's Degree from Central Michigan University and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Based in Haslett, Michigan, Steven lives with his wife Cindy and enjoys spending time with his family. Outside of work, he engages in activities such as skiing, snowmobiling, golfing, traveling, and scuba diving, and remains active in his local community through involvement with organizations such as the Food Bank and American Legion.