Kevin Smith is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Fidelity Brokerage Services LLC and Moneta. Outside of his advisory career, he operated a self-employed lawn care business for 15 years. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hillary Caldwell is a Financial Advisor at Merrill Lynch Wealth Management, where she is a member of the Ozbun, Deimund, Beckham team. In her role, she collaborates with clients to develop personalized financial planning, wealth management, and investment strategies using a structured Wealth Planning process aimed at helping clients achieve their financial goals and navigate potential challenges. Ms. Caldwell returned to Cape Girardeau in 2023 after several years away, bringing experience from the pharmaceutical wholesale industry and a strong academic background. She holds a Bachelor of Science in Business Management from the University of Missouri–Columbia and an MBA from Webster University in St. Louis. Hillary also holds Series 66 and Series 7 FINRA registrations and earned the CERTIFIED FINANCIAL PLANNER® designation in 2025. Raised in Cape Girardeau, Ms. Caldwell attended Cape Central High School and has been actively involved in the local community since her return, including participation with the Zonta Club of Cape Girardeau and serving on the Hospitality Team at La Croix Church. Outside of work, she enjoys basketball, football, cooking, gardening, reading, and spending time with her family.

Christopher Cantu is a financial advisor at Merrill with 19 years of experience at the firm and 10 years in the industry. He holds a Series 66 designation. Outside of his advisory role, he serves as a committee member on the board of directors for the charitable organization Cultural Leadership and operates a sole proprietorship selling Hallmark ornaments online. 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. The firm offers model-based and discretionary investment strategies for a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Clayton Deimund is a Financial Advisor with Merrill Lynch Wealth Management and a member of the Ozbun Deimund Beckham Group. He focuses on building lifelong advisory relationships with clients by understanding their individual goals and working collaboratively to design and execute comprehensive wealth strategies tailored to their lifestyle and legacy. Clayton utilizes both his personal expertise and the resources available through Merrill Lynch to help clients achieve their financial objectives. He specializes in a range of client focus areas including divorce transition planning, education planning, family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, and retirement income. Clayton holds professional designations such as Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Clayton earned degrees in Finance and Risk Management & Insurance from Baylor University. Outside of his professional work, he enjoys biking, boating, hunting, pickleball, running, skiing, spending time with his family, swimming, tennis, and traveling.

Matthew Ehrenreich is a Senior Financial Advisor with Merrill Lynch Wealth Management, operating out of Cape Girardeau, Missouri. He began his financial career in 2011 and joined Merrill Lynch Wealth Management in 2018. Matt focuses on servicing the unique needs of business owners and entrepreneurs, leveraging the insights of Merrill and banking access through Bank of America to provide a broad range of financial services. He develops tailored strategies to help clients and their families pursue both short- and long-term financial goals. Matt's approach centers on creating relationships with clients to understand their goals and aspirations. He emphasizes starting every relationship with a conversation to identify and prioritize clients' most important financial objectives. His expertise includes education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, small business strategies, and retirement income. He utilizes retirement and estate planning services to tailor wealth management strategies to individual client lifestyles. Matt earned a Bachelor of Science in Business Administration with an emphasis in Finance from the University of Missouri in 2010. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Outside of work, Matt is an active member of the Cape Girardeau community, participating in the Cape Girardeau Noon Lions Club and serving on the Economic Vitality Committee of the Old Town Cape Girardeau Board. His personal interests include golfing, ice hockey, and writing.

Grant Washburn serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. With nearly 24 years at Merrill, he specializes in a range of client focus areas including college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, and retirement income. He collaborates closely with clients to develop personalized financial strategies tailored to their long-term goals. Grant holds a Bachelor's Degree from the University of Kansas and has earned the Personal Investment Advisor (PIA) designation. He emphasizes a personalized, one-on-one approach to wealth management and draws on the investment resources of Merrill along with banking and lending solutions from Bank of America. Outside of his professional role, Grant is actively involved in community volunteer work aligned with Merrill’s tradition of community participation. He enjoys golfing, reading, running, and spending time with his family. He is married and has four children.

Donald Beckham is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he provides investment management services and financial planning to individual clients. He specializes in lifetime retirement income planning, estate planning, wealth transfer, and assists not-for-profit foundations with portfolio strategies. Beckham also works with businesses to design and implement Employer Sponsored Retirement Plans such as Simple IRA, SEP, 401(k), Profit Sharing, and Defined Benefit Plans. He began his financial career in 1989 and joined Merrill Lynch in 2000. Beckham holds several designations including Chartered Retirement Planning Counselor (CRPC) and Certified Plan Fiduciary Advisor (CPFA). He earned a Bachelor of Science in Business Administration from Southeast Missouri State University in 1982 and obtained an Associate's Degree from Jefferson College. Beckham resides in Cape Girardeau with his wife, Lisa. He is an active member of the Cape Girardeau Noon Lions Club and serves on the board of KidSight Missouri.

Jack Raymond is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill Lynch Pierce Fenner & Smith Inc. since 2003 and Bank of America since 2010. He serves as Vice Chairman of the Board of Directors, a position to which he was elected for a one-year term starting in 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, offering model-based and discretionary investment strategies for a wide range of clients including individuals, high-net-worth investors, and institutions.

Ann Murray is a financial advisor at Merrill with 21 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill since 2018, following three years at MML Investors Services. 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.

Julie Simineo is a financial advisor at Merrill with 20 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2011, with prior experience at Morgan Stanley and Citigroup Global Markets. Outside of her advisory work, she is the owner of Envico Fitness Solutions, where she provides online fitness coaching and nutrition guidance. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and corporations.

Jonathan Raskas is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, small business strategies, and retirement income. Jonathan focuses on creating financial strategies designed around clients' goals and aspirations, emphasizing understanding life priorities in his work. He holds a Master's Degree from Northwestern University and a Bachelor's Degree from Columbia University. Jonathan is a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). He serves as President of RALPHCARES, a nonprofit organization providing dental bags to children. Jonathan is also involved in the community as a volunteer medical air transport pilot for children with Wings of Hope. His approach is grounded in listening with intention, developing plans that balance wealth, time, risk, and purpose for his clients.

Quinn Schafer is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. Prior to joining Merrill, Schafer held various academic positions at multiple universities from 2015 to 2024. 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 for individuals, high-net-worth clients, and institutional investors, with a focus on strategic and tactical asset allocation and tax-aware investment options.

Wynne Murphy is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. Murphy specializes in developing personalized financial strategies tailored to clients’ unique goals and changing market conditions, leveraging investment insights from Merrill alongside banking and lending solutions from Bank of America. Murphy holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from the University of Missouri System. Committed to community involvement, Murphy participates in volunteer activities with local organizations, reflecting Merrill’s tradition of engagement in the communities served.

Andrew Hamel is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of the Loiterstein Group. He began his financial career in 2016, focusing on providing tailored financial strategies designed to meet clients' goals and lifestyles. His practice emphasizes a disciplined and adaptive approach to wealth management, collaborating closely with his team to navigate the constantly changing landscape of the industry. Andrew holds a Bachelor of Science degree in Finance with a concentration in Economics from Saint Louis University. He has earned the CERTIFIED FINANCIAL PLANNER® (CFP) designation as well as the Personal Investment Advisor (PIA) credential. His client focus areas include college education planning, corporate retirement plan services, divorce transition planning, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, personal retirement planning, and retirement income. Outside of his professional work, Andrew enjoys golfing, music, watching movies, and woodworking. He values building strong relationships with clients and their families and is committed to providing accurate, professional, and personal guidance in investment and retirement planning.

Sean Doherty is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, he has held positions at Bank of America, Stifel Nicholas, RubinBrown, and has worked in various roles associated with Washington University in St. Louis. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ian Wood is a Financial Advisor at Merrill Lynch Wealth Management, where he works with high-net-worth families, business owners, and executives who value a comprehensive approach to wealth management. He focuses on areas such as college education planning, family wealth management strategies, legacy planning, portfolio management services, and retirement income. Growing up in a rural, hardworking family, Ian developed an early understanding of budgeting, saving, and planning for the future. These experiences shape his approach to helping clients build financial confidence and long-term stability. He values taking time to understand each individual's goals, values, challenges, and motivations to bring clarity to complex financial situations. Ian emphasizes high-touch, proactive service by working with a select number of households and delivering a personalized experience that leverages the resources of Merrill and Bank of America. Ian holds a Bachelor's Degree from Southern Illinois University System and carries the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of work, he enjoys biking, hiking, running, skydiving, and spending time with his family.

Heather Akred serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. She brings over 25 years of experience in financial markets, having previously worked as a municipal bond trader and portfolio manager for 20 years. Heather specializes in managing finances for busy professionals and their families, focusing on areas such as college education planning, family wealth management strategies, legacy planning, philanthropic planning, small business strategies, women and wealth, individual and corporate investment strategy, and tax minimization. Heather holds a Bachelor's Degree from Baylor University and an MBA from Saint Louis University. She has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). At the Horton Akred Wealth Management Team, she works closely with clients, their CPAs, and estate attorneys to provide comprehensive financial planning that aligns with clients' unique goals and risk tolerance. Beyond her professional work, Heather is involved in community organizations such as the Clayton Garden Club, National Charity League, and Saint Martha's. Her personal interests include gardening, reading, skiing, traveling, and yoga.

Lacey Diekmann is a financial advisor at Merrill with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill and Bank of America since 2018. Her prior experience includes roles at Crown Capital Securities and Six Point Group. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Carol Mc Bride is a financial advisor at Merrill with 43 years of industry experience. She has been with Merrill since 1985 and 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional entities.

Travis Mudd is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2010 and joined Merrill Lynch in 2017. His professional focus includes family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Travis holds a Bachelor's of Science in Business Administration with a concentration in Finance from the University of Missouri-St. Louis. He holds several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His advisory approach centers on utilizing goals-based wealth management strategies and total balance sheet management to help clients meet their unique values and priorities. Beyond his professional work, Travis is involved in community organizations such as the Kirkwood School District Foundation and the Ranken Jordan Young Professionals Board. He also participates in St. Louis Gamers Baseball. Travis and his wife Melissa reside in Kirkwood with their three children.