Kimberly Martin is a Wealth Management Advisor with Merrill Lynch Wealth Management and a senior partner in the Hammond, Martin, McKeough Group. She and her team serve individual clients, small and middle market businesses, and large corporations by providing a full range of asset management, retirement services, lending and banking services, as well as other financial management products. Their client relationships are founded on integrity, dependability, and trust. Since joining Merrill Lynch in 1989, Kimberly has gained extensive experience in various areas including corporate benefits, executive services, divorce transition planning, employee benefits planning, institutional consulting, services for endowments, foundations, non-profits, and defined benefit plans. Her team focuses on delivering exceptional service, financial management tools, retirement planning, and investment guidance. Kimberly holds a Bachelor's Degree from Michigan State University and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is a member of the National Association of Plan Advisors. Beyond her professional career, Kimberly has been involved in community organizations such as the West Michigan Symphony as a former board member and currently serves on the board of Women Who Care in Muskegon County, Michigan. In her personal time, she enjoys boating, dancing, gardening, reading, skiing, traveling, and practicing yoga.

Martha Fohlbrook is a Financial Advisor with Merrill Lynch Wealth Management who joined the financial services industry in 2022. She partners with clients to address their unique financial ambitions, providing guidance on college and education planning, family wealth management, legacy planning, liquidity management, and retirement income strategies. Working collaboratively with Vice President Senior Financial Advisor Gregory DeVoursney, Martha emphasizes investment management, retirement counseling, estate and family legacy planning to deliver comprehensive wealth management solutions. Martha holds a Bachelor of Science degree from Aquinas College in Grand Rapids, Michigan. She maintains Series 7 and Series 66 FINRA registrations and holds the Chartered Retirement Planning Counselor™ (CRPC™) designation as well as the Personal Investment Advisor (PIA) designation. Fluent in both English and Spanish, she serves as a resource for the local Hispanic community. Since joining Merrill, she has helped over 100 households achieve their financial goals through tailored banking and investment advice. Active in professional and community organizations, Martha is a member of the Greater Muskegon Woman's Club, Hispanic/Latino Organization for Leadership & Advancement (HOLA), Muskegon Rotary Club, and West Michigan Hispanic Chamber of Commerce (WMHCC). She is involved with several community initiatives, including Feeding America West Michigan, Grand Rapids Community College, Life Remodeled, and St. Jude Children's Hospital. In her personal time, Martha enjoys golfing, photography, reading, running, traveling, and spending time with her husband Bobby and daughter Bella.

Base Hammond is a Wealth Management Advisor at Merrill Lynch Wealth Management, serving in multiple roles including Defined Contribution Investment Consultant, Retirement Benefits Consultant, and Portfolio Manager. Since joining Merrill in 2016, he has provided wealth management and institutional consulting services to ultra-high-net-worth individuals, families, businesses, and organizations. Base works with corporate benefit programs, nonprofit organizations, foundations, and endowments to develop investment strategies that align with fiduciary responsibilities, organizational objectives, and long-term sustainability. In his capacity, Base provides both non-discretionary 3(21) and discretionary 3(38) fiduciary consulting to retirement plan sponsors, assisting with governance, investment oversight, and participant outcomes. His experience encompasses defined contribution and defined benefit plans, equity compensation, and nonqualified deferred compensation programs. Within his private wealth practice, he advises executives, business owners, and multi-generational families on concentrated stock positions, wealth transfer strategies, and major liquidity events, collaborating when appropriate with Bank of America Private Bank specialists for trust, estate planning, banking, and lending solutions. Base holds the Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments & Wealth Institute™ and taught in conjunction with the Yale School of Management, and the Certified Plan Fiduciary Advisor® (CPFA®) designation. He earned a bachelor's degree in Economics from Michigan State University. Beyond his professional work, Base is involved with community organizations including the Peoples Center and United Way of the Lakeshore.

Joseph Masvero is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in the financial industry in 1997 when he joined Merrill. Joseph focuses on developing and implementing financial strategies tailored to his clients' specific goals, providing advice and guidance to individuals, families, businesses, and charitable organizations. His approach involves a comprehensive understanding of clients' complete financial picture to address their short- and long-term objectives. Joseph holds the Certified Financial Planner (CFP®) designation and is a Personal Investment Advisor (PIA). He earned a bachelor's degree from Albion College. His client focus areas include college education planning, family wealth management, philanthropic and values-based investing, retirement income, special needs planning strategies, and services for endowments, foundations, and non-profits. In addition to his professional work, Joseph participates in community activities through involvement with organizations such as Park Place Circle Condo HOA and Muskegon Rescue Mission. He is also active in several professional and recreational clubs, including Caberfae Ski Club, West Michigan Flying Club, Grand River Sail Club, and Azzi Watch Club. His personal interests include adventure sports such as biking, boating, golfing, music, scuba diving, skiing, skydiving, traveling, and yoga.

Jack Mc Keough is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he specializes in developing customized financial strategies tailored to clients' unique life priorities. He focuses on areas including corporate executive services, executive compensation, family wealth management strategies, institutional investment consulting, retirement income, and legacy planning. Jack's approach emphasizes understanding clients' personal perspectives to create transparent and manageable wealth plans. Jack holds a bachelor's degree from Michigan State University and is a Personal Investment Advisor (PIA). He began his career selling insurance during college before joining Merrill Lynch. As part of The Hammond, Martin and Associates Team, he collaborates with Merrill's Chief Investment Office to design investment strategies aligned with clients' financial and life goals. Outside of his professional work, Jack enjoys golfing, spending time with his family, and swimming. He is engaged and shares his home with his fiancé and their dog.

Gregory De Voursney is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1993 and has served with Merrill since 2000. Greg focuses on creating customized investment portfolios for retirees, professionals, business owners, and other high-net-worth individuals aiming for financial independence. Greg's expertise includes personal retirement planning, portfolio management services, and retirement income strategies. He holds a Bachelor's Degree from the University of Notre Dame and has earned professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He emphasizes the importance of trust, relationships, and a personalized approach in delivering financial services, aiming to align investment solutions with the broader needs of his clients' lives. Outside of his professional work, Greg enjoys biking, chess, football, golfing, hiking, ice hockey, tennis, and spending time with his family. He lives in Norton Shores with his wife and three children.

Nicole Galarneau is a financial advisor with Merrill in Muskegon, MI, holding a Series 66 designation and 14 years of industry experience. She has been with Merrill since 2011. Outside of her advisory role, she serves as a Successor Trustee for the J L R Trust. 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 for individuals, high-net-worth clients, and institutional investors.