Michelle Fulkerson is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2002. 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Linda Cliborne is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 30 years of experience providing financial and wealth preservation strategies. Linda and her team focus on helping employers design and implement 403b and 401k plans, offering support related to fiduciary best practices, plan design, and participant education. They also work with individuals to develop wealth management strategies, including investment advice and wealth transfer planning for multigenerational families. The Cliborne Winkler & Associates team manages approximately $560 million in assets and serves over 100 employer-sponsored retirement plan clients as of August 29, 2023. Linda is a qualified Portfolio Manager who builds and manages personalized investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. She has earned several professional designations, including Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor (CPFA®), Chartered Retirement Planning Counselor (CRPC™), Chartered Retirement Plans Specialist (CRPS™), and Retirement Benefits Consultant (RBC). She holds a Bachelor of Science degree in Finance from Virginia Polytechnic Institute & State University's Pamplin College of Business. Linda resides in Tarpon Springs, Florida with her husband and two children. She is actively involved in community organizations such as the American Heart Association's Circle of Red, Habitat for Humanity of Pinellas and West Coast Counties, and the YMCA of the Suncoast. Outside of work, her interests include boating, photography, biking, and spending time with her family.