Aaron Ungerer is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been working since 2006. He is a member of the Reynolds Ungerer Wealth Management Group and specializes in serving clients such as physicians, attorneys, senior executives, retirees, and other accomplished individuals and their families both locally and nationwide. Aaron focuses on helping clients meet their specified financial goals using goals-based wealth management and retirement strategies, emphasizing clear explanations for each recommendation. He collaborates closely with clients' CPAs and attorneys to align tax minimization and estate planning strategies, recognizing the importance of integrated financial planning. His expertise encompasses areas including college education planning, family wealth management strategies, employee financial health, legacy planning, LGBT wealth planning, personal retirement planning, portfolio management services, special needs planning strategies, tax minimization, and retirement income. Aaron holds the CERTIFIED FINANCIAL PLANNER® certification and the Chartered Retirement Planning Counselor™ designation. He earned a Bachelor's degree from the University of Florida and a Master's degree from the University of Missouri System. Outside of his professional work, Aaron enjoys biking, cooking, fishing, football, gardening, hiking, pickleball, skiing, spending time with his family, and traveling.

Howard Loiterstein is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. He has worked at Merrill since 2006 and has concurrently been with Bank of America, N.A. since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Caterina Steitz is a financial advisor at Merrill with seven years of industry experience and holds the Series 66 designation. She has been with Merrill and Bank of America, N.A. since 1999. Steitz serves as a board member of the STLCC Foundation, a nonprofit organization that raises funds for student scholarships and programs at St. Louis Community College. 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.

Adam Zucker is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been an investment professional since 1994 and focuses on developing strategies for high-net-worth individuals, families, and businesses. Adam works to simplify clients’ financial lives by identifying and prioritizing their goals, including investment management, tax minimization, wealth transfer, and retirement income. He manages custom investment strategies on a discretionary basis, drawing from Merrill Lynch model portfolios and third-party investment options. Adam takes a holistic approach by considering both assets and liabilities to create personalized wealth management strategies tailored to each client's goals and risk tolerance. His expertise encompasses corporate executive services, family wealth management, endowments, foundations, non-profits, liquidity management, philanthropic planning, and small business strategies. He collaborates closely with clients to provide access to investment insights from Merrill and banking and lending solutions through Bank of America, N.A. Born and raised in St. Louis, Adam earned a Bachelor's Degree in Political Science from the University of Missouri – St. Louis. He holds the Personal Investment Advisor (PIA) designation. Outside of work, Adam is involved in community volunteer activities and enjoys golfing, tennis, and traveling. He resides in University City with his wife and daughter.

Robert Webster is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 2019 and has been working in finance and investments since 2017. Robert focuses on providing financial security and clear strategies for his clients by understanding their aspirations and financial goals, emphasizing open communication throughout the planning process. His areas of expertise include college education planning, corporate executive services, executive compensation, family wealth management strategies, and personal retirement planning. Robert aligns his investment approach with Modern Portfolio Theory, incorporating tactical allocation changes and careful manager selection to seek portfolio performance that outpaces benchmarks without excessive risk exposure. He holds professional designations including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA). Robert earned his Bachelor's degree from Missouri State University. He is involved with the St. Patrick's Center, reflecting his engagement in community activities. In his personal time, Robert enjoys adventure sports, fishing, golfing, hunting, and playing pickleball.

Jacob Herget is a Financial Advisor with Merrill Lynch Wealth Management, specializing in assisting individuals and families in making confident financial decisions through personalized planning and trusted relationships. He focuses on areas such as employee benefits planning, family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He has been working in the financial services industry since 2018 and holds a Bachelor's Degree in Finance and Marketing from Saint Louis University. Jacob also holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, Jacob is a husband and father who enjoys spending time with family and friends. He engages in community volunteering and maintains an active lifestyle that includes baseball, basketball, cooking, football, golfing, pickleball, running, and traveling.

Tracey Creighton is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 24 years of industry experience. She has been with Merrill since 2009. 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 strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michelle Horton is a Wealth Management Advisor at Merrill Lynch Wealth Management. She works with families to plan for financial success now and for future generations, focusing on various client needs such as college education planning, family wealth management strategies, legacy planning, and personal retirement planning. With more than 35 years of experience, Michelle has partnered with families and their businesses to pursue their life goals, emphasizing lifelong relationships and a comprehensive understanding of each individual's circumstances. Her expertise includes investment management and tax minimization, and she holds professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michelle earned a Bachelor's Degree from the University of Kansas and a Master's Degree from Saint Louis University. She is involved with the Arrowhead Metro District and participates in community activities such as Bighorn Gravel. Her personal interests include adventure sports, biking, camping, hiking, skiing, surfing, and traveling.

Nicholas Chute is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping families manage new wealth, minimize taxes, and plan for retirement income. His professional experience includes work in mortgages and banking prior to his current role. Nicholas holds a Bachelor of Science degree in Business Administration from Southern New Hampshire University and is designated as a Personal Investment Advisor (PIA). He is committed to assisting clients in reaching their most important financial goals. Born and raised in St. Louis to a military and police family, Nicholas continues his legacy of service through promoting financial wellness in his community. He is involved with organizations such as Backstoppers and the Veterans Community Project. Outside of work, he enjoys camping, cooking, fishing, genealogy, hiking, reading, and running.

Karl Wunderlich serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he focuses on aligning clients with the appropriate people, plans, and processes to support their individual financial ambitions. He works with clients to develop personalized strategies for objectives such as funding children’s education, planning for retirement and potential health care costs, and achieving long-term family goals. Karl brings expertise in financial planning and investment management, guided by a principle that clients come first. He listens to clients’ personal goals to offer tailored solutions, leveraging the resources available through Merrill Lynch, including advanced planning tools and financial strategies. Karl is supported by a team with over 35 years of combined experience. He holds a Bachelor's Degree from the University of Tulsa and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

Garrett Ozbun is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on cultivating relationships with high-net-worth clients to develop wealth strategies tailored to their individual needs and goals. Garrett employs a Goals-Based Wealth Management approach, emphasizing cash management, wealth planning, and investment advisory services. He uses tools such as Personal Wealth Analysis to forecast clients' financial pictures over time and inform long-term decision-making. Garrett joined Merrill in 2011 and has earned several professional designations including CERTIFIED FINANCIAL PLANNER® and CERTIFIED PLAN FIDUCIARY ADVISOR. He holds a Bachelor of Science in Business Administration with an emphasis in Finance from the University of Missouri and a Master of Business Administration (M.B.A.) from the University of Mississippi, completed through an accelerated graduate program. Prior to becoming a certified financial planner in 2016, Garrett focused on aligning financial strategies with clients' lifestyles and goals. Outside of his professional role, Garrett enjoys cooking, music, spending time with his family, and traveling.

Ann Granquist is a financial advisor with Merrill in Frontenac, MO, holding Series 63 and Series 66 registrations and 25 years of industry experience, all with Merrill Lynch since 2001. Outside of her advisory role, she is employed by J Crew, where she works in shipment processing and sales floor stocking. 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.

Laura Lueken is a Senior Financial Advisor with Merrill Lynch Wealth Management. She leverages decades of experience to assist successful business owners, wealthy families, large plan sponsors, and their employees in achieving meaningful financial objectives with a minimal level of required risk. Laura provides advice and guidance in retirement planning, wealth building, and asset preservation. She serves a diverse client base including widows and divorcees, applying her "hands-held, ears-open" philosophy of client care. Laura addresses asset management needs and advises on fiduciary issues for private and public entities. Over the years, she has supported professionals, business owners, and plan administrators in developing and implementing group retirement plans. She encourages clients to adopt a rational and realistic approach to investing, emphasizing the meaning of wealth beyond monetary value. Laura holds a Bachelor's degree from the University of Missouri - St. Louis. She holds the Retirement Benefits Consultant designation and is a Certified Plan Fiduciary Advisor (CPFA) awarded by the National Association of Plan Advisors (NAPA). She also holds the Chartered Retirement Planning Counselor designation from the College for Financial Planning Institutes Corp. Laura contributes to financial education through speaking engagements and has served on the board and committees of the Foster and Adoptive Care Coalition. Her community involvement includes work with the Foster and Adoptive Care Coalition, Ronald McDonald House, and St Peter Catholic School.

Gregory Reynolds is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Merrill since 2009 and has also been with Bank of America, N.A. since 2011. 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrea Pobst is a Series 66-credentialed financial advisor with Merrill in Frontenac, MO, holding four years of industry experience. Prior to joining Merrill in 2021, she spent five years with Midwest Organics Inc. Pobst also serves as a power of attorney for several family members. 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 strategies and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bart B. Ozbun is a Senior Resident Director and Managing Director at Merrill Lynch Wealth Management. He leads the Ozbun, Deimund, Beckham Group and has been involved in the financial industry since 1985. In 1995, Bart established the Merrill Lynch Wealth Management office in Cape Girardeau, Missouri. His role involves providing tailored financial analysis and portfolio strategies to both private wealth and institutional clients. Bart's expertise encompasses retirement planning, education planning, estate planning services, life insurance, long-term care analysis, portfolio management, lending through Bank of America, retirement plans, and business succession planning. He integrates clients' unique objectives and risk-reward tolerance to assist in achieving their financial goals. Bart has been recognized multiple times on the Forbes "Best-in-State Wealth Advisors" list from 2021 through 2026. He holds a Bachelor's degree in Finance from Arkansas State University, earned in 1985, and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Bart is an active member of the Cape Girardeau Area Chamber of Commerce. He resides in Marble Hill with his wife, Lorili.

Cole Taylor is a Wealth Management Advisor and Senior Vice President leading a Wealth Management team for Merrill Lynch Wealth Management in St. Louis, Missouri. With over 25 years of experience in the financial services industry since 1997, Cole specializes in portfolio management and retirement planning. He works closely with clients to help them articulate their financial goals and develop plans aimed at achieving those objectives. As a specially qualified Senior Portfolio Advisor, he provides tailored investment strategies, including discretionary management of custom portfolios and selection from a broad range of Merrill Lynch model portfolios and third-party investment options. His investment approach emphasizes hedge strategies and tax minimization. Cole holds several professional designations issued through the College for Financial Planning Institutes Corp., including the Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), and Chartered Retirement Planning Counselor (CRPC). He graduated from the Pierre Laclede Honors College at the University of Missouri St. Louis with a Bachelor’s degree in Business Administration with an emphasis in finance. Cole is a member of the Eureka Missouri Chamber of Commerce. Outside of his professional commitments, Cole lives in Eureka, Missouri, with his wife Kim, his son Mason, and daughters Addyson and Peyton. He enjoys outdoor activities such as hunting, fishing, golfing, skiing, boating, and traveling, often spending time with his family.

Benjamin Stern is a financial advisor with Merrill in Frontenac, MO, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior roles include positions at JPMorgan Securities LLC, JP Morgan Chase Bank, Wells Fargo Clearing, Wells Fargo Advisors, and TD Ameritrade. Outside of his advisory work, he operates a book publishing LLC focused on writing about the Independent Sacramental Movement. 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.

Jason Loiterstein is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career at Wachovia Securities before joining Merrill Lynch in 2006, working alongside his father, Howard Loiterstein, at The Loiterstein Group. Jason works with a loyal and growing circle of affluent clients across the St. Louis area and nationwide, including business owners, attorneys, physicians, CPAs, and divorced or widowed women. He and his team craft integrated strategies covering investment and retirement planning, liability management, and wealth transfer, engaging with clients and their families to understand their financial goals and motivations. Jason holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from the University of Wisconsin System. Jason is committed to building personal connections with multiple generations of client families and serving clients through various stages of their lives. Jason resides in Clayton with his wife, Nicole, and their young son, Jack. Outside of his professional role, he enjoys spending time with his family, playing golf and skiing, traveling, and following Wisconsin Badgers teams and the St. Louis Cardinals. Jason also volunteers at the St. Louis Zoo.

Jennifer Gamma is a financial advisor with Merrill in Frontenac, MO, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. She has worked at Merrill since 2006, following positions at Wells Fargo Clearing and Prudential Equity Group. Outside of her advisory role, she works as a consultant and independent contractor for Juice Plus, a direct selling company focused on whole nutrition products. 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.