Patrick Kolody is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1993 and began his career with Merrill in 1996. Patrick works with high net worth individuals to define and implement their long-term financial goals. He is a CERTIFIED FINANCIAL PLANNER® certificant and holds the Personal Investment Advisor (PIA) designation. Patrick earned a Bachelor's Degree from Grand Valley State University. His areas of focus include college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization. Patrick lives in Traverse City, Michigan, with his wife Joelle and their sons Sean and Parker. He is active in the community, serving on the board of Traverse City's At Risk boxing club, which works with disadvantaged youth, and participates in the Traverse City RipTide Youth Mentoring and Mentor Group. His personal interests include basketball, boating, golfing, reading, and spending time with family.

Roxanne Hunter is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined the Kulhavi Team in 2013, bringing with her extensive experience from a prior career as Vice President and CFO of a national engineering firm. Roxanne focuses on managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, and retirement income. With more than a decade in financial services, Roxanne employs a goals-based approach to wealth management that emphasizes comprehensive and personalized financial strategies. Her expertise encompasses investment, financial, estate, tax minimization, and liability planning tailored to high net worth individuals and families. She holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Roxanne earned her bachelor’s degree from Central Michigan University. Based in Cadillac since 1986, Roxanne lives with her husband, Scott, where they raised their three children. Outside of her professional work, she enjoys boating, golfing, reading, and spending time with her family.

Christian Holmes is a financial advisor at Merrill with two years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Bank of America, N.A., Mikowski Masonry, and involvement with Central Michigan University and The Bay Theatre. 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 a variety of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

David Greiner is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and over 24 years of industry experience. He has been with Merrill since 2006 and concurrently associated with Bank of America, N.A. since 2009. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Angela J. Crosher is a Financial Advisor with Merrill Lynch Wealth Management, based in Traverse City, MI. She works closely with clients to understand their personal financial goals and crafts tailored wealth management strategies to help them navigate the complexities of today's market. Angela emphasizes making finance approachable and empowering, assisting clients in achieving financial freedom through clear and supportive guidance. Her expertise encompasses a range of areas including college education planning, family wealth management, retirement planning, philanthropic planning, and services tailored to endowments, foundations, and non-profits. Angela holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). She earned a Bachelor's Degree from the University of California system and a Master's Degree from the California Institute of the Arts. Outside of her professional work, Angela enjoys antiquing, biking, cooking, gardening, golfing, hiking, music, spending time with her family, traveling, and watching movies.

Jeffrey Guy is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been helping clients since 2007. He specializes in creating wealth management and financial strategies for high-net-worth individuals, families, and business owners. His client focus areas include legacy planning, philanthropic planning, portfolio management services, small business strategies, socially responsible and ESG investing, tax minimization, retirement income, and investment consulting for defined contribution plans. Jeff graduated from Hope College with a bachelor's degree and holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is actively involved in his community, serving as a co-founder and board member of Stand Up for Great Lakes, a non-profit focused on clean water and protecting the Great Lakes. Additionally, he is a board member of the Economic Club of Traverse City and a member of the Michigan Oil & Gas Association and the Hope College Alumni Association. Jeff enjoys biking, boating, fishing, golfing, hiking, and ice hockey. He lives with his wife Melissa near the Merrill office in Traverse City and values spending time getting to know his clients and their families.

Samuel Holmes is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies tailored to clients' individual goals, leveraging Merrill's investment insights and Bank of America's banking and lending resources. His client focus areas include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Holmes holds a Bachelor's Degree from Michigan State University and maintains professional designations as a CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, he enjoys activities such as billiards, cooking, fishing, gardening, hiking, hunting, photography, reading, skiing, and swimming.

Steven Kelty is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in serving small business owners and retirees, focusing on personal retirement planning, tax minimization, and retirement income strategies. Steven holds a Bachelor's Degree from Western Michigan University and is a CERTIFIED FINANCIAL PLANNER™ (CFP) as well as a Personal Investment Advisor (PIA). His approach emphasizes connecting clients to tailored plans aligned with their unique ambitions and priorities, aiming to simplify the complexities of investing. Outside of his professional work, Steven enjoys biking, boating, camping, running, and skiing.

Matthew Eckenrode is Senior Resident Director at Merrill, where he and his team provide investment planning-based wealth management services. With a career in financial services beginning in 2004 and joining Merrill in 2010, Matthew specializes in helping high net worth individuals, families, and businesses develop strategies tailored to their financial goals. His expertise includes family wealth management, personal retirement planning, philanthropic planning, portfolio management, and integrating corporate benefit programs such as equity compensation and deferred compensation plans into long-term financial approaches. Matthew holds a Bachelor's Degree from Michigan State University and carries professional designations including Certified Financial Planner (CFP) and Personal Investment Advisor (PIA). He applies a goals-based approach to wealth management, working closely with clients to ensure their wealth is allocated to support their personal objectives. Matthew is also involved with the Psi Upsilon Foundation, serving as Vice Chair and participating on the foundation’s investment committee. Outside of his professional responsibilities, Matthew enjoys boating, football, golfing, woodworking, traveling, and spending time with his family. He is an avid supporter of Michigan State University and stays connected with the MSU community through attendance at games and events.

Alec Moulton is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2016 and joined Merrill in 2018. Alec focuses on developing strategies and providing advice tailored to the short- and long-term financial objectives of individuals, families, and businesses. Alec’s areas of expertise include executive compensation, equity compensation services, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, sports and entertainment, tax minimization, and retirement income. He holds a bachelor's degree in Personal Financial Planning from Western Michigan University and carries the Chartered Financial Consultant (ChFC) designation as well as the Personal Investment Advisor (PIA) credential. Based in Traverse City, Alec is active in the local community, volunteering and coaching football at Traverse City Central. He is also involved with the Traverse City Chamber of Commerce.

Kristine Mcnabb is a financial advisor with Merrill in Traverse City, MI, holding a Series 66 designation and 23 years of industry experience. She has been with Bank of America, N.A. and Merrill Lynch Pierce Fenner & Smith Incorporated since 2015. 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, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

William Grombala Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 35 years of experience in the financial services industry. He joined Merrill Lynch in 1997 and has also served as Resident Director from 2003 to 2015. William applies his extensive knowledge and experience to help clients develop comprehensive wealth management strategies tailored to their individual needs. His areas of expertise include college education planning, corporate benefits, employee financial health, liquidity management, personal retirement planning, and portfolio management services. William is supported by an experienced team and aims to provide clients with a sense of comfort and security beyond their financial matters. William holds a Bachelor's Degree from Hillsdale College and the Personal Investment Advisor (PIA) designation. He is actively involved in professional and community organizations such as the Knights of Columbus, That Man is You, St. Joseph's Church in Mapleton, and Old Mission Peninsula. Additionally, he volunteers with the YMCA and advocates for the Carmelite Monastery. Outside of work, William enjoys outdoor activities with his family including biking, boating, football, golfing, hiking, music, swimming, watching movies, and yoga.

Adam Creighton is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2012, he has focused on providing investment guidance and developing financial solutions tailored to individuals, families, and businesses. Adam’s areas of expertise include family wealth management strategies, legacy planning, liquidity management, portfolio management, retirement planning, tax minimization, and small business strategies. Adam began his career in financial services in 2005 after earning a bachelor’s degree in finance from Coastal Carolina University. He worked in investment brokerage for two years before serving as an investment analyst for Hamilton Point Investment Advisors in Chapel Hill, North Carolina, for five years. Adam holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation and the Personal Investment Advisor (PIA) credential. He and his wife, Lauren, live in Traverse City with their two children. Outside of his professional work, Adam enjoys a variety of sports including baseball, basketball, football, boxing, golfing, and hiking. He values spending time with his family and traveling.