R. J. Krier is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the company in 1998 and has accumulated 28 years of experience, serving in various roles during his tenure. R. J. adheres to the principle articulated by Charles E. Merrill, the company's founder, emphasizing that the interests of customers must come first. He holds a Bachelor's degree in Business Administration from Catawba College and earned a Master of Business Administration (MBA) from Wake Forest University. R. J. has also earned professional designations including the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of his professional career, R. J. resides in Parker, Colorado with his wife Katie and their four children. He is involved in community activities such as Junior Achievement USA and Habitat for Humanity.

Megan Gilkerson is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Stonger Gilkerson Group. She focuses on client relationship management, financial planning, business development, and delivering ongoing communications to provide a full-service, client-focused experience. Megan's areas of expertise include education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. She graduated from Colorado State University in 2008 with a bachelor's degree in Business Marketing and holds the Personal Investment Advisor (PIA) designation. Megan is involved in several professional organizations, including Beta Gamma Sigma, Dance Exploration LLC, Denver Center Alliance, and the Junior League of Denver. Outside of her professional career, Megan is active in her community through Mission Hills Church. She enjoys cooking, dancing, hiking, reading, scrapbooking, skiing, writing, yoga, and spending time with her family and two sons in the Colorado outdoors.

Jason Kemper is a Client Experience Advisor with Merrill Lynch Wealth Management. In his role, he works with Merrill clients to understand their current financial situation and introduce them to solutions available through Merrill and Bank of America. His objective is to provide clients with the knowledge and tools to take control of their financial lives and select the platform that best fits their needs. Jason holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from The University of Cincinnati. He focuses on assisting clients in uncovering what matters to them and their families to develop strategies aimed at pursuing their financial goals.

Broderick Robbins is a Financial Advisor with Merrill Lynch Wealth Management, where he works with a range of private clients and institutional organizations. Since joining Merrill in 2023, he has focused on delivering disciplined financial guidance to help clients navigate important financial decisions with clarity and confidence. His expertise spans retirement planning, business succession strategies, investment planning, concentrated stock management, and workplace plan optimization. Broderick holds a dual bachelor's degree in Economics and Finance from the University of Delaware. He holds several professional designations including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is proficient in English and German. He is involved in various professional and community organizations such as the Denver Metro Chamber of Commerce, Global Spine Outreach, Leadership Denver Program, and the NuVasive Spine Foundation. Community involvement also includes Global Spine Outreach, Helen Diller Vacation Home for Blind Children, and the NuVasive Spine Foundation. Broderick's client focus includes college education planning, divorce transition planning, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, and personal retirement planning.

Linda Bailey is a financial advisor with Merrill, holding a Series 66 designation and 20 years of industry experience. She has been with Merrill Lynch Pierce Fenner & Smith Incorporated since 2013 and also works with Bank of America, N.A. since 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Giacobbe Jr. is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 1991. 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.

Bernard Lau is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999. 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, and institutional accounts.

Kristina Teller is a financial advisor at Merrill with 11 years at the firm and a total of 16 years of industry experience. She holds the Series 63 and Series 65 designations. Prior to joining Merrill, Kristina worked at South Suburban for 10 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 and profit-sharing plans, corporations, and charitable organizations.

Lauren Taylor is a Series 66 licensed advisor with Merrill in Greenwood Village, CO, and has 15 years of industry experience. She has been with Merrill since 2012. 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.

Nathan Epping is a Financial Advisor with Merrill Lynch Wealth Management, where he has worked for the past eight years. He assists clients in reaching retirement comfortably and specializes in personal retirement planning, tax minimization, and retirement income. Nathan leverages extensive product knowledge to help clients unlock the benefits of their Merrill and Bank of America relationship. Nathan is part of the ENMG Wealth Management Group, which offers customized financial services tailored to each client's individual needs and goals. The group primarily serves high net worth clients, including individuals, business owners, executives, and retirees. They assist clients in making investment choices and coordinate with other professional advisors such as estate and tax attorneys, business consultants, and accountants, when necessary, to address a wide range of financial needs. He holds a Bachelor's Degree from the University of Wisconsin Whitewater and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, Nathan is involved with Denver Pet Partners and enjoys personal interests including baseball, boating, camping, fishing, football, hiking, hunting, spending time with family, and woodworking.

Eric Dunay is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America since 2015. Outside of his advisory role, Dunay assists with operations and marketing at his family farm in Stafford Springs, Connecticut, and is a co-owner of a family business in Holyoke, Massachusetts. 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 to individuals, high-net-worth clients, and institutional investors.

Andrew Pahl is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads a financial advisory team in Denver, Colorado, providing comprehensive wealth management services to business owners, corporate executives, and affluent families. Andrew and his team develop a thorough understanding of their clients' financial situations, businesses, families, and wealth intentions to craft customized wealth management strategies. Andrew began his financial services career in 2012. He focuses on delivering a goals-based wealth management approach with active risk/reward management and dynamic portfolio oversight. His expertise includes college education planning, executive and equity compensation services, family wealth management strategies, legacy planning, and retirement income planning. Andrew holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. A Colorado native, Andrew earned his Bachelor's degree from the University of Oregon, majoring in Finance and Entrepreneurship with studies in Spanish. He grew up in Castle Rock, Colorado, and now lives with his wife and two children. Outside of work, Andrew enjoys activities such as skiing, golf, travel, and spending time with family and friends.

Mouhammad Ouedraogo is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works with clients to understand their current financial situations and introduces solutions available through Merrill and Bank of America. He aims to empower clients with the knowledge and tools to manage their financial lives effectively. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Eastern Washington University. Outside of his professional responsibilities, Mouhammad participates in the Broomfield Rotary Club, contributing to community activities.

Christopher Campbell is a financial advisor with Merrill in Greenwood Village, CO, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes roles at Truist Securities and the University of South Carolina. 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 a range of individual and institutional investors.

Cole Hogsett is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in 2016 and specializes in areas including Corporate Benefits, Corporate Executive Services, Executive Compensation, and Personal Retirement Planning. Cole's approach focuses on educating clients in everyday language and guiding them systematically to help achieve their financial goals. He holds a Bachelor's degree in finance and accounting from the University of Colorado in Boulder. Cole carries professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His experience includes working with clients who have complex considerations regarding concentrated positions in their companies, collaborating with teams and other professional advisors to develop diversification strategies. Raised in Colorado, where his family has lived for over a century, Cole is involved with community organizations such as Ducks Unlimited, Food Bank of the Rockies, and Habitat for Humanity. Outside of work, he enjoys traveling and outdoor activities including boating, camping, fishing, hunting, and supports the Denver Broncos. He also spends time with his puppy, Murphy.

Leslie Sison is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has been with Merrill since 2014, totaling 12 years at the firm. Merrill, alongside 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 developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Timothy Wilson is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 66 designation and has worked at both Merrill and Bank of America 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 investment strategies for individuals, high-net-worth clients, pensions, corporations, and charitable organizations.

David Bostwick is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been part of the financial services industry since 2009 and joined Merrill Lynch in 2013. In his role as a Portfolio Advisor, David provides traditional financial advice and guidance, helping clients pursue their investment objectives by recommending strategies, funds, or portfolios from Merrill Lynch Wealth Management or approved third-party investment managers. Prior to his financial services career, David managed a family business in the hospitality and property management industry, which operated for over 50 years. This experience contributed to his understanding of small business finance and customer relations. David focuses on assisting individuals, families, and small to medium-sized business owners in the development of individualized, long-term financial strategies to help them define and pursue their short and long-term goals. David earned a Bachelor's degree in Financial Management from California State University, Fullerton in 1991. He holds the Personal Investment Advisor (PIA) designation. He is involved with the Anaheim Family YMCA and the Anaheim Community Foundation. David resides in Parker, Colorado, with his wife Brenda. His personal interests include baseball, biking, football, golfing, hiking, music, photography, reading, spending time with his family, and traveling.

Elizabeth Miller is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 28 years of industry experience. She has worked at Merrill since 2004 and has also been with Bank of America since 2009. Outside of her advisory role, she and her husband are in the process of acquiring a donut trailer franchise in Littleton, Colorado. 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, pension plans, corporations, and charitable organizations.

Keira Rawlings is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at UBS Financial Services and Bank of America. Outside of her advisory role, she was involved with Sympathy Solutions for over two decades. 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, and charitable organizations.