Stephen Kwederis is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2006 and joined Merrill Lynch in 2011. His professional focus is on developing strategies for high-net-worth individuals, their families, and their businesses to help them pursue both short- and long-term financial goals. Stephen holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He approaches wealth management consultatively by first listening and reviewing client financial situations, preferences, and goals, then offering recommendations for asset allocation that reflect individual income and growth targets. He follows up with discussions covering investments, retirement, estate planning services, and philanthropy. He earned a bachelor's degree in Finance from Regis University and holds a high school diploma from Indian Hills High School. Stephen is a member of the Investments & Wealth Institute™. He lives with his two children in Greenwood Village, Colorado, where he enjoys tennis and hockey and spends most of his free time supporting his children's activities. He is also involved in community volunteering in line with the Merrill tradition.

Riley Goldstein is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, Riley applies extensive experience in retirement financial services and institutional portfolio analysis to support clients in pursuing short- and long-term financial goals. Riley focuses on creating personalized strategies that address a range of client needs, including college education planning, corporate benefits, executive compensation, legacy planning, and socially responsible investing. Leveraging resources from Merrill and banking solutions from Bank of America, Riley emphasizes a collaborative and consultative approach that begins with understanding each client's unique financial situation and preferences. Riley holds a Bachelor's Degree from Colorado State University and maintains the Personal Investment Advisor (PIA) designation. Active in professional and community organizations, Riley is a member of Rotary and volunteers with the Rocky Mountain Food Bank. Outside of work, Riley engages in activities such as basketball, chess, fishing, golfing, hiking, rock climbing, scuba diving, and skiing.

Christopher Mullen is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management located in the Denver Tech Center's Greenwood Village, Colorado office. He has more than 40 years of experience in financial services, providing personalized wealth management advice and planning to individuals and families. Christopher and his team help clients simplify complex financial decisions into actionable steps, offering comprehensive services through written Personal Wealth Analysis that cover investments, liabilities, risk management, and estates/trusts. Christopher holds a Bachelor of Science degree in Finance from the University of Wyoming. He has earned several professional designations including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), and Chartered SRI Counselor (CSRIC) from the College for Financial Planning Institutes Corp. Additionally, he has completed the University of Southern California Merrill Longevity Program. He resides in Lone Tree, Colorado with his wife. They have three grown children and two grandchildren. Christopher enjoys spending time with his family and friends, outdoor activities, and attending sporting events. He actively participates in community organizations such as the Food Bank of the Rockies, Make A-Wish Foundation, and serves as a youth sport coach.