Andrew Charles is a Financial Advisor at Merrill Lynch Wealth Management with nine years of experience in comprehensive wealth management. He specializes in providing customized financial strategies tailored to the unique needs of individuals, families, and businesses. His areas of expertise include college education planning, employee financial health, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, and tax minimization. Andrew holds a Bachelor's Degree from The University of Wisconsin Madison and holds professional designations as a CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA). He is an active member of professional organizations including the Middleton Chamber of Commerce, Morgan's Caring Connection, and The Madison Club. Outside of his professional work, Andrew enjoys a variety of personal interests such as biking, drawing and sketching, fishing, golfing, hiking, ice skating, painting, photography, skiing, and woodworking. He values the opportunity to share hobbies with his clients and aims to deliver financial clarity so his clients can focus on living life rather than managing money.

Ruth Wilegus Hytinen is a financial advisor at Merrill with 22 years of industry experience. She holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a trustee and holds fiduciary responsibilities for several family trusts. 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 a range of individual and institutional clients.

Robert Larkin is a financial advisor with Merrill in Milwaukee, WI, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Merrill since 1983 and has also worked at Bank of America since 2011. Outside of his advisory duties, he serves as an ordained deacon in the Archdiocese of Milwaukee and is involved in organizing leadership activities for the Milwaukee Cursillo, a Catholic retreat program. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, charities, and institutional investors, offering managed accounts, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment management approach includes multiple program strategies with varying degrees of client and advisor discretion, supported by extensive manager selection and tax-focused capabilities.

Lisa Marcinkowski is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1999. 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 and supports individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jason Cherny is a financial advisor at Merrill with 38 years of industry experience. He holds a Series 63 designation and has been with Merrill for 30 years, also working at Bank of America, N.A. for the past 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Kelly is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services and Bank of America. He serves as a Board Director and co-chair of the investment conference committee for SecureFutures, a nonprofit providing financial literacy programs to high school students. Merrill serves a broad range of clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment approach includes multiple program strategy types and a roster of manager-constructed strategies, supported by oversight from its CIO and platform governance.

Nicholas Barth is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping clients navigate financial decisions through personalized guidance and building meaningful relationships. Nicholas works closely with clients to understand their individual challenges and identify opportunities to support their financial goals. He specializes in areas including personal retirement planning, portfolio management services, tax minimization, and retirement income. Nicholas combines data-driven insights with relationship-based trust and accountability to develop tailored strategies. Nicholas holds a Bachelor's Degree from the University of Wisconsin-Whitewater and holds the Personal Investment Advisor (PIA) professional designation. Outside of work, he enjoys boating, fishing, golfing, music, painting, pickleball, swimming, and spending time with his family.

Christopher Durkin is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Robert W. Baird & Co., Inc. for eight years and Wells Fargo Funds Distributor, LLC for two years. Outside of advising, he co-owns and resides in a rental property in West Allis, Wisconsin. Merrill 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.

Patrick Wielgosh is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies that align with their long-term goals, offering services including college education planning, legacy planning, liquidity management, retirement planning, philanthropic planning, portfolio management, and tax minimization. He provides access to the investment insights of Merrill and the banking and lending solutions of Bank of America. A lifelong Wisconsin resident, Patrick graduated from Greendale High School, where he was Senior Class President, and earned a Bachelor's Degree from the University of Wisconsin Madison. He holds the Personal Investment Advisor (PIA) designation and has an exclusive practice focused on building close, trusted relationships with clients. Patrick is also a certified firefighter and EMT, contributing to his local community through volunteer service. Outside of his professional work, Patrick enjoys camping, fishing, golfing, and spending time with his family. He values community involvement and dedicates time to volunteering with local organizations.

June Terrasi is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in personalized wealth management strategies tailored to clients' unique financial goals, offering expertise in areas such as education planning, employee benefits planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. June holds the Personal Investment Advisor (PIA) designation and attended the University of Michigan. Prior to her financial advisory career, she practiced real estate and was involved in philanthropy within the arts. She values genuine personal relationships and applies this philosophy in her work with clients. June lives near Lake Michigan and enjoys cooking, music, reading, traveling, and yoga in her personal time.

Christopher Blair is a financial advisor with Merrill in Milwaukee, WI, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith, Incorporated since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies managed by internal teams and third-party managers for a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeri Albrecht is a financial advisor at Merrill with Series 63 and Series 65 licenses and 37 years of industry experience. She has worked at Merrill since 1988 and at Bank of America, N.A. since 2011. 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.

Nathanael Bier is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in personalized financial strategies tailored to individual client goals. He is a CERTIFIED FINANCIAL PLANNER® professional and Personal Investment Advisor who has been assisting individuals and families with their financial planning needs since 2015. Nathanael focuses on a range of client areas including retirement income, tax minimization, college education planning, divorce transition planning, legacy planning, liquidity management, portfolio management, and socially responsible investing. Nathanael leads the Bier Wealth Management Group, which coordinates financial affairs for families, retirees, corporate executives, business owners, and non-profit organizations primarily in the Milwaukee area and beyond. His team emphasizes client education to help simplify and clarify financial decision-making while regularly reviewing and updating strategies to meet evolving goals. Nathanael holds a bachelor's degree from the University of Minnesota System. Outside of his professional role, Nathanael enjoys camping, cooking, football, photography, reading, spending time with family, and watching movies. He seeks to develop one-on-one relationships with clients to deliver customized financial plans that provide confidence and clarity in pursuing long-term objectives.

Wendy Wallace is a Wealth Management Advisor with Merrill Lynch Wealth Management. She began her career with Merrill in 1992 and holds a Bachelor of Science degree in Mathematics from the University of Wisconsin-Milwaukee. Wendy has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Her areas of expertise include Family Wealth Management Strategies, Legacy Planning, Managing New Wealth, Personal Retirement Planning, Women and Wealth, and Retirement Income. Based in Shorewood, Wisconsin, Wendy is involved in community organizations such as Impact 100 Greater Milwaukee, Kinship Community Food Center, and Secure Futures. Outside of her professional career, Wendy enjoys biking, hiking, swimming, traveling, and practicing yoga. She balances her work and personal life while residing with her family and two dogs.

Robert Larkin is a financial advisor at Merrill in Milwaukee, WI, holding a Series 66 designation with six years of industry experience. Prior to joining Merrill in 2019, he worked at Poplar Healthcare from 2015 to 2019. Outside of his advisory role, he is involved with a separate business organization named Robert Larkin Rental. Merrill serves a wide range of clients including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, third-party manager selection, discretionary portfolio management, and brokerage services. The firm emphasizes manager selection and tax-efficient investment strategies, supported by its integration with Bank of America affiliates and a broad capital-markets platform.

Elizabeth Praeger is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at Speedway, Michael's, and as a self-employed consultant. Outside of her advisory role, she is involved as an independent contractor consultant with doTERRA and Mary Kay, where she buys and sells products. 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 investors.

Benjamin Burke is a financial advisor at Merrill with two years of industry experience. He holds the Series 66 designation. His prior work experience includes roles at Bank of America, The Outreach Team, and the St. Louis Cardinals. 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.

Kurt Haugen is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing modern investment strategies, tax-efficient planning, and long-term financial guidance to individuals, families, and business owners. By collaborating with specialized planning and investment professionals, he facilitates access to institutional-level resources and capabilities for his clients. Focusing on areas such as college education planning, legacy planning, retirement income, small business strategies, and tax minimization, Kurt aims to simplify financial complexities and help clients make confident financial decisions. He prioritizes building strong relationships and clear communication as the foundation of his client-first advisory approach. Kurt holds a Bachelor's degree from the University of Wisconsin System and the Personal Investment Advisor (PIA) designation. He is involved in the Milwaukee community and serves on the board of the Walkers Point Association. In his personal time, Kurt enjoys baseball, basketball, chess, cooking, fishing, football, hiking, music, spending time with his family, and traveling.

Rachel Boylan is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She previously worked at Beacon Business Group, Barre District Milwaukee LLC, and von Briesen & Roper, s.c. 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.

Andrew Gusho, Jr. Jr. is a Financial Advisor with Merrill Lynch Wealth Management. He is part of The Gusho Wallace Group, which follows a disciplined, goals-based wealth management process. The group emphasizes understanding clients' whole lives, considering their concerns and priorities before making financial decisions. This approach helps in establishing objectives and developing strategies that account for risk tolerance, time horizon, liquidity needs, and investment objectives, while also considering the cost of recommendations. Regular reviews are conducted to track progress and adjust strategies in response to life or business changes. Andrew Gusho, Jr. Jr. graduated from the University of Denver with a Bachelor of Science in Business Administration, focusing on Finance. He holds the designation of Personal Investment Advisor (PIA). He resides in Lakeview East, Illinois. Outside of his professional role, Andrew enjoys baseball, cooking, fishing, golfing, hiking, ice hockey, pickleball, skiing, tennis, and spending time with his family.

James O'Reilly is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Bank of America, N.A. and Merrill since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Louis Henneck is a financial advisor at Merrill with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1980, also affiliated with Bank of America since 2011. Outside of his advisory role, Henneck serves as a local chapter board member and membership director for Ducks Unlimited, a wetland preservation organization. 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.

Joseph Wilson is a financial advisor with Merrill in Milwaukee, WI, holding Series 63 and Series 65 licenses. He has 26 years of industry experience, including his current tenure at Merrill and Bank of America, N.A. since 2014. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, and brokerage execution services. The firm offers multiple investment management strategies and emphasizes tax-efficient capabilities, supported by its integration with Bank of America affiliates and capital-markets platform.

David Bier is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1983, also working with Bank of America since 2011. He serves as a director of the Broom Tree Foundation, a charitable organization focused on acts of mercy, discipleship, and evangelism. 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 a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

David Urban serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. With over thirty-five years of banking and investment experience, he focuses on serving high-net-worth executives and professionals who face complex financial challenges. His expertise encompasses family wealth management strategies, legacy planning, liquidity management, tax minimization, personal retirement planning, and socially responsible investing, among other areas. David holds a Bachelor's Degree from the University of Wisconsin System and an MBA from Northwestern University. He carries the Personal Investment Advisor (PIA) designation. In his professional practice, he collaborates closely with clients' accountants and attorneys to develop customized financial strategies aimed at growing wealth, reducing risk, and improving tax efficiency. His services include goals-based wealth planning, professional investment management with custom portfolios, tax-smart financial strategies, charitable giving, and estate planning. Beyond his professional work, David is actively involved in community organizations including the Elmbrook Rotary Club, Potawatomi Area Council of Scouting America, and serves on the Chapter Advisory Board for the Psi Chapter of Theta Chi Fraternity. His personal interests include baseball, biking, football, golfing, hiking, running, tennis, traveling, watching movies, and spending time with his family.

Meghan Slocum is a Financial Advisor at Merrill Lynch Wealth Management, joining the ST Group in 2022. She has over 20 years of experience in the financial services industry, including roles in Asset Management and Commercial Banking. Meghan uses her background and resources to assist clients in achieving their financial goals through a consultative process focused on providing attentive service. Her expertise encompasses areas such as college education planning, family wealth management strategies, liquidity management, personal retirement planning, and strategies for small businesses and women in wealth. Meghan's approach aims to help clients streamline their financial lives to focus on priorities such as family, businesses, travel, or philanthropic interests. Meghan earned her Bachelor of Arts in History from Duke University. She holds professional designations including Certified Exit Planning Advisor (CEPA), Certified Financial Planner (CFP), and Personal Investment Advisor (PIA). Meghan is involved in her community, serving on the boards of SHARP Literacy and the Heiliger Huegel Foundation for Outdoor Education. She resides in Mequon, Wisconsin with her husband and two children.

Matthew Wolf is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he helps high-net-worth clients develop and implement personalized financial strategies. He focuses on managing complex financial situations by coordinating a team of specialists to deliver comprehensive wealth plans aimed at meeting clients' life goals. Matthew's expertise includes equity compensation services, managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income strategies. He serves as a Senior Portfolio Advisor and a member of The Wolf Group's investment committee, managing custom investment strategies and model portfolios on a discretionary basis. He holds a Bachelor of Arts in Entrepreneurial Management from the University of Wisconsin - Eau Claire, earned in 2008, and professional designations such as Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Matthew is a member of the UW - Eau Claire Alumni Association and is actively involved in community organizations including the St. Boniface Stewardship Committee, Soles for Catholic Education, and Carmen School of Science & Technology. He resides in Wauwatosa, WI with his wife, son, and their yellow lab, and competes in Ironman triathlons at the 70.3 distance.

Ryan Melby is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in serving senior executives, successful business owners, and wealthy families. He leads The Melby Group, a wealth advisory team that provides strategic and tactical advice across various aspects of wealth management, including transition and exit planning, retirement lifestyle continuation, legacy implementation, estate coordination, risk and debt management, tax minimization, and financial guidance. Mr. Melby graduated from the University of Wisconsin-Madison in 2003 with a Bachelor of Arts degree in political science. He started his financial advisory career at UBS before joining Merrill Lynch Wealth Management in 2009. Ryan holds the Certified Private Wealth Advisor (CPWA) designation obtained in 2012 and the Certified Exit Planning Advisor (CEPA) designation earned in 2021, along with the Personal Investment Advisor (PIA) designation. Outside of his professional work, Ryan is involved with several community organizations, including the Boys & Girls Clubs of Greater Milwaukee, Brookfield Bulldogs Youth Baseball Club, Brookfield East Jr. Spartans Youth Baseball Club, Elmbrook Little League Baseball, YMCA Sponsor-A-Scholar, and St. John Vianney Parish & Catholic School. His personal interests include baseball, basketball, bowling, football, golfing, music, soccer, spending time with family, traveling, and watching movies.

Hailey Eller is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. She has previously worked at Charles Schwab & Co., Inc. and held multiple roles at AT&T Corporate. Outside of her advisory work, she is employed with Two Birds Event Group in Milwaukee, where she bartends part-time. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering a range of model-based and discretionary investment strategies.

Shane Evans is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. He has been with Bank of America and Merrill since 2019 and previously worked in finance and promotions roles. Outside of his advisory work, Evans is involved in buying and selling collectible cards, managing a small for-profit business. 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 institutions.