Michael Ryan is a financial advisor with Merrill in Grand Rapids, MI, holding Series 63 and Series 66 credentials and two years of industry experience. His work history includes positions at Bank of America, Merrill, Allstate Insurance Company, and service in the United States Marine Corps as an Anti-Tank Missile Man. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution and custody services through a combination of personal financial advisors and affiliated entities.

Ryan Eccker is a Financial Advisor at Merrill Lynch Wealth Management, working with everyday individuals and families to provide honest advice and build real relationships. He primarily serves clients in West Michigan, including Grand Rapids and Jenison, offering services such as personal retirement planning, portfolio management, and small business strategies. Ryan is part of the Eccker Bujdos Andrews Team, which delivers a wide range of wealth management services including investment management strategies, asset allocation guidance, and planning for retirement, legacy, and business succession. Ryan is a fourth-generation Merrill Financial Advisor, carrying forward a family legacy that deeply shapes his approach to client relationships. He studied Economics with a focus on Finance and Psychology at Michigan State University, from which he holds a Bachelor's degree. He also holds the Personal Investment Advisor (PIA) designation. Ryan aims to understand his clients deeply to create personalized strategies aligned with their financial goals. Outside of work, Ryan enjoys playing tennis and golf with his family and is a lifelong sports fan. He is a loyal Detroit Lions supporter and appreciates spending time in West Michigan. Ryan is also an avid traveler with a goal of visiting all 50 states. His personal interests include cooking and watching Netflix series. He values a good sense of humor and enjoys life's small pleasures.

Spencer Orlando is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America National Association and involvement with EXTENDED Travel. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for 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 accounts.

William Mackay is a Wealth Management Advisor with the Certified Investment Management Analyst (CIMA) designation, affiliated with Merrill Lynch Wealth Management. He brings a comprehensive approach to institutional and high net worth financial strategies, emphasizing close client-consultant relationships. William is committed to serving the specific needs of his clients by designing customized investment portfolios focused on capital preservation and risk control. His expertise includes providing fiduciaries with unbiased, independent, and research-driven advice, with a particular understanding of nonprofit and defined benefit plan challenges. William employs a systematic and disciplined process to assist high net worth families in preserving and growing wealth for future generations. He also offers services in areas such as family wealth management strategies, institutional investment consulting, endowments and foundations support, socially responsible investing, and retirement planning. William graduated with honors from the University of Notre Dame with a Bachelor of Arts degree and studied law at the University of Michigan. He holds professional designations including the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). He and his wife Amy reside in East Grand Rapids, Michigan, where they have raised two children and have been actively involved in community activities, particularly supporting educational, healthcare, and other local needs. William serves on professional organizations such as the East Grand Rapids School System and Foundation, Pine Rest Mental Health Hospital, Mary Free Bed Rehabilitation Hospital, and Van Andel Institute.

Bradley Harrison is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining Merrill in 2023, he worked for Huntington National Bank and The Huntington Investment Company from 2004 to 2023. 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.

Courtney White is a financial advisor with Merrill in Grand Rapids, MI, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Merrill in 2022, White worked at Riverbank Finance, Chicago Title of Michigan, and Nations Title Agency of Michigan. Outside of advisory work, White is involved in managing a newly formed LLC focused on graphic design and website creation and participates in plasma donation activities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Noah Stewart is a financial advisor at Merrill with a Series 66 designation and approximately one year of industry experience. Prior to joining Merrill and Bank of America, he spent several years in full-time education. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Robert Clements is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Louisville, Kentucky. He joined Merrill after serving nearly 22 years as a Marine Corps Officer, bringing experience from operating in dynamically complex environments to his role in wealth management. Robert designs and tailors financial strategies utilizing Merrill's resources along with banking solutions through Bank of America. His expertise encompasses education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and retirement income. Robert employs a goals-based wealth management approach to ensure alignment between individualized strategies and prioritized client goals. He focuses on helping busy professionals and families who face demanding schedules and competing interests, as well as those less inclined to manage wealth themselves. Robert holds a bachelor's degree from The Citadel and a Personal Investment Advisor (PIA) designation. He serves on the Trinity High School Alumni Board and is affiliated with St. Albert the Great Catholic School. Outside of his professional activities, Robert enjoys golf, running, reading, and spending time with his wife and two daughters.

Brad Collar is a Wealth Management Advisor at Merrill Lynch in the Grand Rapids office, a position he has held since 1990. He specializes in total wealth management, tailoring solutions to clients’ risk tolerance, time horizon, liquidity needs, and overall investment objectives while considering costs. Brad employs a defined process that emphasizes understanding each client's unique circumstances to establish objectives, develop strategies, provide recommendations, and regularly review progress toward financial goals. He works closely with clients to ensure their financial plans remain aligned with their personal situations and draws upon Merrill specialists to implement strategies that address individual financial objectives. Brad’s areas of expertise include college education planning, services for endowments, foundations, and non-profits, personal retirement planning, philanthropic planning, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He holds several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Retirement Income Certified Professional (RICP). Brad earned a bachelor's degree from Albion College. He is involved in his community through participation with Ada Bible Church, Habitat for Humanity, and youth sports. Outside of work, Brad engages in various personal interests, including boating, fishing, football, golfing, hunting, running, scuba diving, skiing, skydiving, and traveling.

Patrick Borum is a Financial Advisor at Merrill Lynch Wealth Management with a focus on delivering comprehensive financial advice and best-in-class service. He joined Merrill in 2021 and works with a diverse clientele, including young couples building their nest eggs and retirees aiming to protect their assets. Patrick emphasizes developing an in-depth understanding of clients' situations, priorities, and values to provide customized advice aligned with their risk tolerance, time horizons, liquidity needs, and investment goals. He graduated early in 2018 from the Seidman College of Business at Grand Valley State University with bachelor's degrees in Finance and Business Management. Patrick holds the Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designations. His areas of expertise include stock compensation planning, custom lending and deposit solutions, estate and legacy planning, trust services, education planning, sports and entertainment, as well as personal and business banking. Originally from Holland, Michigan, Patrick is involved in professional organizations such as The Economic Club of Grand Rapids and Young Catholic Professionals - Grand Rapids. He also participates in community initiatives like First Tee - West Michigan. Outside of his professional role, Patrick enjoys football, golfing, and running.

Jonathan Lash is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America since 2014. Outside of his advisory role, Lash is involved in part-time work as an Uber driver and operates businesses focused on productivity blogging and designing directory websites, neither related to financial topics. 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. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, combining internal and third-party management with various asset allocation approaches.

Amanda Boyd is a financial advisor with Merrill in Grand Rapids, MI, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill Lynch since 2007 and has also worked at Bank of America since 2018. 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 supported by internal and third-party investment teams for a variety of individual and institutional clients.

Rachel Mraz is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been with Merrill throughout her career and draws on a family legacy within the firm. Rachel works closely with individuals, foundations, and retirement plans to establish and implement financial strategies aligned with their unique goals, utilizing a process that includes goal setting, strategy development, implementation, and ongoing performance review. Rachel holds a Bachelor's degree from Cornell University and a Master's degree from the American College. She has earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Chartered Advisor in Philanthropy (CAP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Her areas of expertise encompass family wealth management strategies, institutional consulting, services for endowments, foundations and non-profits, legacy and philanthropic planning, personal retirement planning, and wealth management for women. In addition to her professional role, Rachel is actively involved in the Grand Rapids community. She serves on the boards of Davenport University, Davenport University Foundation, the Economic Club of Grand Rapids, Equest Center for Therapeutic Riding, and John Ball Zoo. Rachel's personal interests include traveling, cooking, golfing, and spending time with friends and family.

Jonathan Hatfield is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in serving business owners, successful professionals, and multi-generational families through comprehensive financial planning, investment management, borrowing, and cash management services. His approach covers personal wealth management, business ownership transitions, and 401(k) plan services, catering to both established high-net-worth clients and emerging wealth clients. Jonathan has over 15 years of experience in wealth management, beginning his career as an analyst at J.P. Morgan's Private Bank in 2009. He moved to Chicago in 2012 to work with high-net-worth families and endowments, focusing on creating actionable plans that integrate advice from legal and tax counsel. He earned the Certified Private Wealth Advisor® certification in 2017 and later helped grow J.P. Morgan's presence in West Michigan. In 2020, he established his practice at Merrill Lynch to serve a broader client base, including younger families and business owners. Jonathan holds a bachelor's degree in Business and Psychology from Hope College. He is certified as a Certified Private Wealth Advisor® (CPWA®), Certified Plan Fiduciary Advisor® (CPFA®), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, he lives in Cascade Township with his wife and two children. He volunteers as a coach for a mountain biking program for children at Cannonsburg Ski Area and serves as president and alumni board member for the Hope College Alumni Association.

Linkesta Turnage is a financial advisor at Merrill in Grand Rapids, MI, holding a Series 66 designation with 7 years of industry experience. Prior to joining Merrill and Bank of America in 2018, she worked for McDonald's Corporation for 14 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Scott Bernecker is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1997, initially joining as a Financial Planning Specialist. Scott provides wealth management services to individuals, families, nonprofit, and corporate clients, focusing on a goals-based wealth management process. Scott assists clients, their families, and businesses in understanding various financial priorities and strategies, including estate planning services, investments, tax minimization strategies, wealth transfer, and retirement income. He offers access to a Wealth Management Lending Officer from Bank of America, N.A., to provide strategic banking guidance that complements his clients' overall financial strategies. As a Senior Portfolio Advisor, Scott is qualified to manage discretionary custom investment strategies, utilizing Merrill model portfolios and third-party investment strategies. He holds a Bachelor's degree in General Management from Michigan State University's Broad College of Business. Scott holds the Certified Investment Management Analyst® (CIMA®) designation, sponsored by the Investments & Wealth Institute® at the Wharton School, and the Certified Financial Planner (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc. Outside of his professional role, Scott enjoys boating, golfing, running, skiing, tennis, and spending time with his family. He resides in East Grand Rapids, Michigan, with his wife Natalie, their three sons, and two Bernese Mountain Dogs.

Kevin Cross is a Series 66 licensed financial advisor with Merrill in Grand Rapids, MI, and has 10 years of industry experience. He has worked at Merrill since 2016 and also appears at Bank of America, N.A. since 2025. Outside of his advisory role, he serves as an Endowment Committee Member for St. Andrew's Episcopal Church in Grand Rapids. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a wide range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers both model-based and discretionary investment strategies developed by internal and third-party managers.

Rua Hekhuis is a Wealth Management Advisor at Merrill Lynch Wealth Management. She brings extensive experience working with clients who have complex financial needs, including entrepreneurs, professionals, and individuals involved in executive compensation, family wealth management strategies, legacy planning, and retirement income. Rua's approach emphasizes customized guidance tailored to each client's unique goals and life circumstances, leveraging the resources of Merrill and Bank of America to meet evolving client objectives. Rua holds a Master's Degree in Marketing and Management from the Rinker School of Business at Palm Beach Atlantic University and a Bachelor of Science in Marketing and Management with minors in Entrepreneurship, Social Sciences, and Economics from Northwood University. She is a CERTIFIED FINANCIAL PLANNER® and holds additional designations including Chartered Retirement Planning Counselor™, Sports & Entertainment Accredited Wealth Management Advisor™, and Personal Investment Advisor. Rua has been recognized on the Forbes "Top Women Wealth Advisors Best in State" list for consecutive years. Outside of her professional role, Rua resides in Spring Lake with her husband and two dogs. She dedicates time to support organizations such as the Humane Society of West Michigan and is involved with Michigan State University College of Human Medicine, Michigan Woman Forward, Paws with A Cause, and the Women's Resource Center. Her personal interests include running, biking, gardening, reading, martial arts, skiing, golfing, hiking, interior decorating, traveling, watching movies, and yoga.

Michael Gruszynski serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2019 and works with individuals, families, and businesses to help them reach their financial goals through comprehensive wealth management. His client focus areas include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, as well as retirement income. With over a decade of experience in the technology industry prior to his role at Merrill, Michael brings problem-solving skills and a goals-based approach to his financial advising. He assists clients with retirement planning, tax minimization strategies, investments, estate planning services, wealth transfer, and corporate investment strategies. He holds professional designations including Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Michael is a graduate of Michigan State University, where he earned a bachelor's degree. Born and raised in Michigan, he is a Detroit sports fan and enjoys personal interests such as adventure sports, baseball, basketball, camping, fishing, football, golfing, music, photography, and spending time with his family. He is also involved in the community through Big Brothers Big Sisters in Battle Creek, Michigan.

Brandon Moulton is a Financial Advisor at Merrill Lynch Wealth Management, where he specializes in helping individuals, families, and business owners build financial confidence through personalized service and disciplined investment decisions. He focuses on delivering tailored financial strategies in areas such as retirement planning, investment management, tax-efficient strategies, estate planning, philanthropic planning, and values-based investing. Brandon serves a diverse client base including high net worth individuals and families, pre-retirees and retirees, business owners, entrepreneurs, and young professionals. He provides holistic guidance backed by the resources of Bank of America and Merrill to support clients through every stage of life. He holds a Bachelor's Degree from Michigan State University's Eli Broad College of Business, where he was a member of the Wealth Management Program, and holds the Personal Investment Advisor (PIA) designation. Outside of work, Brandon enjoys adventure sports, boating, fishing, hunting, golfing, basketball, football, traveling, and spending time with his wife, daughter, and their two dogs.