Jill Radermacher is a financial advisor at Merrill with 35 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Prior to that, she has been affiliated with Bank of America since 2022. Outside of her advisory role, she volunteers as a committee member at Minnetonka United Methodist Church, where she assists with counting and depositing weekly offerings. Merrill 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. The firm utilizes model-based and discretionary strategies developed by internal CIO teams and third-party managers, offering tactical asset allocation and tax-aware investment options.

Emily Haan is a Financial Advisor with Merrill Lynch Wealth Management. In her role, she focuses on connecting all aspects of clients' financial lives to help them prioritize and pursue their most important goals. Her expertise includes college education planning, employee benefits planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and women and wealth. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Emily earned a Bachelor's Degree from Iowa State University. Outside of work, she enjoys cooking, hiking, pickleball, running, swimming, writing, and spending time with her family. She is also involved with Grace Church Minnesota.

Richard Rosati Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with a select group of clients to help them build, manage, and preserve their wealth through life’s transitions, both planned and unplanned. His approach involves listening carefully to understand his clients’ current situations, past experiences, and future goals, followed by studying, analyzing, and modeling strategies tailored to their needs. He holds a Bachelor's Degree from the University of Wisconsin System and a Master's Degree from the University of Minnesota System. He has earned the CERTIFIED FINANCIAL PLANNER® professional designation from the Certified Financial Planner Board of Standards, Inc., and the Personal Investment Advisor (PIA) designation. His focus areas include financial planning, asset management, retirement savings and income planning, risk management and insurance planning, and estate planning strategies. Richard collaborates with colleagues at Oslund Kane Wealth Management and other professional advisors to provide objective, unbiased, and cost-effective counsel. He emphasizes integrity, objectivity, competency, confidentiality, and fairness in his work, adhering to the highest ethical standards. His personal experiences with family have reinforced the importance of his work and its impact on clients and their families.

Brandon Janovsky is a Wealth Management Advisor at ASCJ Wealth Management. He began his career at Merrill in 2009, where he spent ten years working within the Investment Solutions Group’s Chief Investment Office (CIO). In this capacity, he served as a local resource to Financial Advisors and their clients, assisting in the implementation of CIO investment views. Since joining ASCJ Wealth Management in 2023, Brandon focuses on helping clients develop wealth management and portfolio strategies tailored to their individual goals. Brandon holds several professional designations, including Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a dual bachelor's degree in Finance and Economics from Monmouth University. Brandon resides in Long Lake, MN with his wife and two sons. Outside of his professional work, he is involved with the Disability Action Network (DAN) and enjoys fishing, golfing, scuba diving, soccer, surfing, woodworking, and spending time with his family.

Wendy Meyer is a financial advisor with Merrill in Wayzata, MN, holding a Series 66 designation and 15 years of industry experience. She has worked at Merrill since 2016 and currently also has a role with Bank of America N.A. since 2024. 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 managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Dominique Latterelle Paskach is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Dominique held various roles including positions at First National Bank of Omaha and the UCCS Excel Communication Center. 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 and profit-sharing plans, corporations, and charitable organizations.

Krystal Julius is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management. She leads the Eckerline Julius Wealth Management Group, providing strategic wealth management services to individuals, families, businesses, and organizations. Krystal's expertise includes family wealth management strategies, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Krystal has spent her entire career in wealth management, joining Merrill in 2008 after serving as a Wealth Management Banker with Bank of America. She holds the Chartered Financial Consultant (ChFC) designation, the Chartered Retirement Planning Counselor (CRPC) designation, and a Personal Investment Advisor (PIA) designation. Krystal earned a Bachelor's degree from the University of Saint Thomas. Outside of her professional role, Krystal is involved in several community organizations including Feed My Starving Children, Gigi's Playhouse Twin Cities, Salvation Army, and St. Bartholomew. She is also connected with the Minnetonka Figure Skating Club and YMCA of the North. In her personal time, Krystal enjoys gardening, golfing, music, traveling, yoga, and spending time with her family.

Kyle Holecek is a financial advisor with Merrill in Wayzata, MN, holding a Series 66 designation and three years of industry experience. He has worked at Merrill since 2021. Prior to his current role, he held positions at several Target locations between 2015 and 2021. 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 plans, corporations, and charitable organizations.

Rachel Radke is a financial advisor with Merrill in Wayzata, MN, holding Series 63 and Series 65 credentials and five years of industry experience. Prior to joining Merrill in 2021, she worked at Ameriprise Financial Services, LLC for one year. Outside of finance, she has been involved in various roles at Viterbo University and in the retail business Navaree Liquors Inc. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Lori Swart is a financial advisor at Merrill with 23 years of industry experience and holds the Series 66 designation. She has worked at Merrill since 2012 and has been affiliated with Bank of America, N.A. since 2013. 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.

Ann White is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2016. 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.

Isaac Foster is a financial advisor at Merrill with a Series 66 designation. He has one year of industry experience and previously worked at Security Benefit and the Minnesota Timberwolves. Outside of finance, he has experience in the restaurant industry and entrepreneurial ventures, including operating Foster Training and working with several food establishments. Merrill 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, and institutions.

Kari Kraemer is a financial advisor at Merrill with 19 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services and Merrill Lynch, Pierce, Fenner & Smith. Outside of her advisory role, she works as a grocery shopper and delivery employee for Shipt. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Dana Effertz is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 25 years of experience in the financial services industry, including more than five years with Merrill Lynch. Dana works closely with her clients to set and achieve financial goals such as preparing for retirement, selling a business, funding education, saving for travel, and wealth transfer. Her client relationships are long-term and focused on helping individuals and families manage their financial lives with confidence. Dana holds a Bachelor's Degree from the Minnesota State College & University System and a Master of Business Administration (MBA) from the University of Saint Thomas. She holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is affiliated with Merrill Lynch, Pierce, Fenner & Smith Inc., AIG Retirement/VALIC, and Ameriprise Financial Services. Outside of her professional role, Dana enjoys spending time with her husband, Cory, and their two children, Taylor and Cayden. Her personal interests include gardening, golf, ice hockey, soccer, and volleyball. She is active in her community, contributing her time and resources to organizations such as the Orono Foundation for Education.

Bryan Kramer is a Wealth Management Advisor with the Oslund Wealth Management Group, having joined the team in 2022. He holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc., and a Personal Investment Advisor (PIA) designation. Bryan graduated from Southwest Minnesota State University with a bachelor's degree in Finance. Since beginning his career in financial services in 2005, Bryan has focused on helping individuals and families, including executives and medical professionals, align their financial lives with their goals. His approach emphasizes understanding clients' financial situations, risk tolerance, time horizons, and liquidity needs. He partners with clients to develop personalized, goal-based plans, supported by Merrill's investment insights and Bank of America's banking services. Bryan lives in Orono, Minnesota with his wife, Dr. Jessica Kramer, and their three children. The family enjoys traveling, spending time outdoors, and attending their children's sporting events.

Stephanie Starcevich is a financial advisor at Merrill with 27 years of industry experience. She has been with Merrill and Merrill Lynch since 1995 and holds Series 63 and Series 66 designations. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Christina Boyd is a Senior Financial Advisor at Merrill Lynch Wealth Management. She holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Christina earned her bachelor's degree from Colorado State University and completed her high school education at Edina. She specializes in areas including college education planning, divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, tax minimization, and retirement income. Christina works with clients to address complex financial needs and support their financial goals. Christina is involved in her community through organizations such as Children's Hospitals & Clinics of Minnesota and the City of Minnetonka Beach.

Carrie Schliemann is a financial advisor at Merrill with 28 years of industry experience and holds a Series 66 credential. She has been with Merrill since 2009 and also worked at Bank of America since 2022. 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 a range of individual and institutional investors.

Scott Vogel is a Private Wealth Advisor at Merrill Private Wealth Management, where he advises senior executives, business owners, entrepreneurs, next-generation wealth creators, and ultra-affluent families on various aspects of their financial lives. He employs a goals-based framework to deliver holistic financial strategies, helping clients achieve their personal, professional, and philanthropic objectives. In addition to client advisory, Scott is responsible for the overall operations of his team. Scott has approximately 20 years of experience working with successful families and business owners in the investment field. Prior to joining Merrill Private Wealth Management in 2012, he served as a Portfolio Manager at Abbot Downing, a Wells Fargo business formerly known as Lowry Hill. His expertise includes family wealth management strategies, legacy planning, liquidity management, philanthropic planning, portfolio management services, and values-based investing. He holds a Bachelor of Science degree in Finance from the University of Montana and has earned both the Chartered Financial Analyst (CFA) designation and the CERTIFIED FINANCIAL PLANNER (CFP) certification. Scott is an active member of the CFA Society of Minnesota and participates in community initiatives such as the CFA Research Challenge and Habitat for Humanity. He lives in Delano, Minnesota with his two children and enjoys golfing, camping, woodworking, and building and flying large-scale radio-controlled aircraft.

Britta Sorensen is a financial advisor with Merrill in Wayzata, MN, holding a Series 66 designation and 17 years of industry experience. Her career includes roles at Merrill since 2014 and Bank of America since 2023, as well as brief positions at Securian Financial Services, CRI Securities, and Thrivent Investment Management. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.