Andrew Herlein is a financial advisor at Merrill with Series 63 and Series 66 designations and two years of industry experience. Prior to joining Merrill, he worked at Huntington National Bank for six years and held positions at JP Morgan Chase Bank, JP Morgan Securities LLC, and Raymond James & Associates. Outside of his advisory role, he serves as treasurer and board member for the nonprofit Ready for School in Holland, Michigan, where he reviews financial reports and advises on financial decisions. 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.

David Smits is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 40 years of experience in the wealth management industry. He has been with Merrill Lynch Wealth Management since 1989. His role involves providing personalized wealth management strategies that adapt to changing market conditions, focusing on client-specific financial goals. His expertise covers financial strategies, retirement and estate planning services, and he serves individual, family, and corporate clients. He actively utilizes Merrill's resources, including specialists in advanced estate planning and retirement plans for business owners. David holds a Bachelor's Degree from Calvin College and has attained several professional designations, including the CERTIFIED FINANCIAL PLANNER® certification and the Chartered Retirement Planning Counselor™ designation. He also holds the Personal Investment Advisor (PIA) designation. His approach combines extensive industry experience with practical judgment developed through client relationships and training. Beyond his professional work, David engages in community service aligned with the Merrill tradition of supporting local organizations. His personal interests include cooking, gardening, spending time with his family, and traveling.

April Armstrong is a Wealth Management Advisor at Merrill Lynch Wealth Management. With over 25 years of experience in the financial services industry, she focuses on helping clients develop personalized financial strategies to address their long-term goals. Her expertise spans areas such as college education planning, executive compensation, LGBT wealth planning, retirement income, and socially responsible investing. April holds professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned a Bachelor's degree from the University of Michigan System. Outside of her professional work, April is a married mother of four and participates in activities such as boating, cooking, dancing, hiking, reading, and traveling. She is also involved in her community and is a member of organizations including the Ada Business Association and the University of Michigan Alumni Association.

Craig Sutherland is a financial advisor at Merrill with five years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at First Merchants Corporation, Arbor Financial Credit Union, and Bank of America. Outside of his advisory role, he is a co-founder and co-owner of F&S Ale LLC, a technology company serving property and casualty insurance carriers, and serves on the board of Junior Achievement of the Michigan Great Lakes. 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.

Michael Goetz Whittaker is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in working with executives, directors, owners, and other professionals to provide guidance on deferred compensation, stock options, ESOP, tax mitigation strategies, estate planning, retirement planning, and exit planning. Michael focuses on helping clients navigate pivotal moments such as career transitions, liquidity events, succession planning, and the years leading up to retirement by creating customized financial strategies aligned with their values and long-term goals. Michael holds a Bachelor's Degree from Grand Valley State University and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He is an alumnus of Alpha Sigma Phi. His experience includes assisting clients with divorce transition planning, employee benefits planning, family wealth management, liquidity management, small business strategies, individual and corporate investment strategy, and retirement income planning. Residing in Cascade, Michigan with his wife Morgan and pets Lulu and Stevie, Michael dedicates time outside of work to his community by serving as an assistant lacrosse coach at Coopersville High School. His personal interests include bowling, camping, golfing, and ice hockey.

Nolan Eccker is a Financial Advisor with Merrill Lynch Wealth Management. He assists individuals and families in organizing and managing their financial lives, focusing on areas such as retirement planning, consolidating retirement accounts, and creating strategies to grow wealth beyond employer plans. Prior to joining Merrill, Nolan worked at Northwestern Mutual, where he served wealth management clients and provided financial advice. Born and raised in Holland, Michigan, Nolan is a graduate of Michigan State University and a Personal Investment Advisor (PIA). As a fourth-generation financial advisor, he brings a long-standing familiarity with the industry and insight into the impact of sound financial planning. He currently resides in Grand Rapids, Michigan. In addition to his professional work, Nolan is involved in his community as a coach and mentor for West Ottawa Basketball and as a referee and coach for West Ottawa Little Panther's Basketball. His personal interests include basketball, boating, golfing, music, tennis, and spending time with his family.

Tige Mauseth is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on assisting individuals, families, and business owners in pursuing their financial goals through personalized strategies that align with their unique priorities. He works in areas such as college education planning, divorce transition planning, family wealth management strategies, institutional investment consulting, legacy planning, managing new wealth, and portfolio management services. Tige holds a Bachelor's Degree from Michigan State University and holds the Professional Investment Advisor (PIA) designation. He emphasizes building strong relationships and providing clear, thoughtful guidance to help clients make informed financial decisions. Outside of his professional work, Tige is involved with the Boy Scouts of America. His personal interests include baseball, boating, fishing, football, ice hockey, rock climbing, soccer, swimming, and watching movies.

Jonathan Storch is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2016. He is based in Grand Rapids, MI. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Steven Bernas serves as a Client Experience Advisor at Merrill Lynch Wealth Management. In his role, he works with Merrill clients to understand their current financial situations and introduce solutions available through Merrill and Bank of America. Steven aims to empower clients with knowledge and tools to manage their financial lives and select platforms that align with their needs. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Steven earned his Bachelor's Degree from Grand Valley State University. His professional philosophy centers on helping clients identify priorities for themselves and their families to develop strategies that pursue their financial goals.

Mc Lain Eccker is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on developing comprehensive financial strategies to help clients achieve their financial goals. His areas of expertise include stock concentration, tax mitigation strategies, deferred compensation, stock options and restricted stock, estate planning strategies, and retirement income planning. He holds a Bachelor's Degree from Western Michigan University and is a Chartered Retirement Planning Counselor (CRPC) as well as a Personal Investment Advisor (PIA). He is a member of the Western Michigan University Alumni Association. Outside of his professional work, Mc Lain participates in community organizations including Kids Food Basket Grand Rapids and Meals On Wheels Western Michigan. He enjoys spending time with his family, traveling, and boating on Lake Michigan.

Sean Kolody is a Financial Advisor with Merrill Lynch Wealth Management, specializing in working with clients to build long-term wealth through personalized planning and financial strategies. He collaborates closely with individuals and families to define their financial goals and develop portfolio strategies tailored to pursue those objectives. Sean provides ongoing advice and adjusts financial plans as clients' situations evolve. His areas of expertise include education planning, family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. Sean holds the designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Grand Valley State University. Outside of his professional role, Sean's personal interests include basketball, fishing, football, golfing, hunting, interior decorating, reading, skiing, spending time with his family, and traveling.

Edward Bujdos is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 1995 and joined Merrill in 2008, where he co-founded the Eccker Bujdos Group alongside Senior Financial Advisor Scott Eccker. The team focuses on implementing disciplined wealth management strategies that aim to build, preserve, and transfer client assets through customized, long-term investment approaches grounded in asset allocation and diversification principles. Ed provides comprehensive financial guidance across various areas, including retirement planning, legacy planning, college education planning, and special needs planning strategies. He works with business executives, entrepreneurs, and has extensive experience addressing the financial needs of women in changing life circumstances. Additionally, Ed is a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA), and he manages discretionary portfolios incorporating individual securities and model portfolios. He holds a Bachelor's degree from Central Michigan University and serves as a Trustee for the Grand Rapids Rotary Charities Foundation. Ed is also actively involved with the Rotary Club of Grand Rapids. Outside of his professional work, he enjoys baseball, biking, cooking, gardening, golfing, hiking, soccer, spending time with his family, traveling, and watching movies.

Larry Johnson is a financial advisor with Merrill in Grand Rapids, MI, holding a Series 66 designation and over 20 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2000 and has also worked at Bank of America, N.A. since 2025. Outside of his advisory role, he serves as a deacon at First Byron Christian Reformed Church, assisting with collection duties. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Laura Momber is a financial advisor at Merrill with 13 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at Fifth Third Securities and Fifth Third Bank. She is based in Grand Rapids, MI. 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 and profit-sharing plans, corporations, and charitable organizations.

Mary Schanck is a financial advisor at Merrill with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill since 2013. 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 a range of model-based and discretionary investment strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jennifer Scharphorn is a Wealth Management Advisor at Merrill Lynch Wealth Management. She focuses on offering a comprehensive approach to managing wealth, beginning with understanding a client's financial situation and personal goals. Jennifer helps clients create customized wealth management strategies that can adapt to changing needs and market conditions, providing access to Merrill's investment insights and Bank of America's banking and lending solutions. Her areas of expertise include college education planning, divorce transition planning, family wealth management strategies, retirement income, and services for endowments, foundations, and non-profits. Jennifer holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her bachelor's degree from Grand Valley State University. Jennifer supports the Merrill tradition of community involvement by volunteering with local organizations. Outside of her professional role, she enjoys adventure sports, baseball, basketball, cooking, football, photography, skiing, spending time with her family, and traveling.

Sonya Niewiek is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Morgan Stanley for 10 years. She is based in Grand Rapids, MI. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily 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.

Jason Lundgren is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Merrill since 2015 and joined Bank of America, N.A. in 2025. 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 and profit-sharing plans, corporations, and charitable organizations.

Kelli Malloy is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Bank of America, PNC Wealth Management, Natcity Investments, and Wells Fargo Clearing. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aaron Osborn is a financial advisor with Merrill in Grand Rapids, MI, holding a Series 66 license and three years of industry experience. Prior to joining Merrill in 2022, he worked for Wynalda Packaging from 2011 to 2022. Osborn is involved with Bethany Christian Services Inc., a religious organization focused on foster care and housing for children. 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 and profit-sharing plans, corporations, and charitable organizations.