Bloomington, IL E Empire St Office

Timothy Hines is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 1993 and Bank of America since 2009. He has established an educational scholarship fund for business students at the University of Iowa. 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 plans, corporations, and charitable organizations.

H David Osnowitz is the Senior Resident Director and Wealth Management Advisor at Merrill, where he has been serving clients since opening the Bloomington, Illinois office in 1994. With nearly a decade of experience in the financial services industry prior to joining Merrill, he specializes in developing strategies for high-net-worth individuals and their families to meet their short and long-term financial goals. His areas of focus include investment management, education funding strategies, retirement planning services, and collaboration with clients' advisors on estate planning matters. David earned a Bachelor's Degree in Finance from The University of Iowa in 1985 and obtained the CERTIFIED FINANCIAL PLANNER® certification in 1988. He holds multiple professional designations, including Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). As a qualified Portfolio Manager, David offers discretionary management of personalized or defined investment strategies that may include individual securities, model portfolios, and third-party investment options. In addition to his professional work, David participates in community activities as a board member for Easterseals - Central Illinois. His personal interests include adventure sports, baseball, golfing, music, and spending time with his family.

Mark Osnowitz is a Senior Financial Advisor at Merrill Lynch Wealth Management. He develops personalized financial strategies and implements them to help clients pursue their financial goals. Mark works with local families and small businesses to simplify their financial picture and develop realistic financial plans, focusing on areas such as retirement planning, income generation, and legacy planning. He holds a Master's Degree from the University of Edinburgh and a Bachelor's Degree from Wabash College. Mark is a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). He emphasizes empowering clients to understand their financial situations and feel comfortable with their strategies. Outside of his professional role, Mark is involved with the Alzheimer's Association. His personal interests include hiking, painting, spending time with his family, watching movies, and practicing yoga.

Kathryn Willett is a financial advisor at Merrill in Bloomington, IL, holding a Series 66 license with two years of industry experience. Her prior experience includes five years at State Farm and seven years at C.H.I. Overhead Doors 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Giovanni Bernetti is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Bloomington branch. He works with a select group of families, retirees, corporate executives, and business owners, providing financial education and personalized wealth management strategies. Giovanni focuses on simplifying and clarifying clients' financial lives by coordinating their financial affairs and reviewing progress through quarterly meetings conducted in person or by telephone. His areas of expertise include college education planning, family wealth management strategies, LGBT wealth planning, personal retirement planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Giovanni holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations, and has completed FINRA Series 7, 63, and 66 registrations as well as Illinois state health and life insurance licenses. He earned his Bachelor's degree from Illinois State University. Giovanni resides in Bloomington, Illinois with his wife Genevieve and their two children. His personal interests include cooking, running, skiing, wakeboarding, mountain biking, and traveling with his family. Fluent in English and Italian, Giovanni emphasizes building strong relationships with clients based on trust, clarity, and tailored financial strategies.

Scott Miller is a Wealth Management Advisor at Merrill Lynch Wealth Management with extensive experience in financial services dating back to 1994. He established Miller McDaniel & Associates in 2016 to better serve his growing client base and leads his team with a focus on clear communication and strategic guidance. Scott is a qualified Portfolio Manager offering discretionary management of personalized or defined investment strategies incorporating various securities and model portfolios. His expertise spans services for endowments, foundations, and non-profits; investment consulting for defined contribution plans; legacy and personal retirement planning; and tax minimization. Scott holds a Bachelor's Degree in Business Administration from the University of Iowa, earned in 1994, and is a Charter Member of the Florida College Society, alumni class of 1992. He carries multiple professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Beyond his professional career, Scott is actively involved in his community and faith as an elder at the Normal Church of Christ since 2017. He and his wife, Suzy, have a family including two sons, a daughter, their spouses, and six grandchildren. Scott's personal interests include a variety of sports, reading, public speaking, and teaching.

Dena Whitney is a financial advisor at Merrill with 27 years of industry experience. She has been with Merrill since 1998 and holds Series 63 and Series 66 licenses. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Payton Miller is a Senior Financial Advisor with Miller McDaniel & Associates, affiliated with Merrill Lynch Wealth Management. He joined the firm in 2017 and contributes to the team by providing customized service support to clients and internal support to the advisor team. Payton works alongside experienced Merrill financial advisors to design financial strategies aimed at helping clients achieve their financial objectives. His client focus areas include executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Payton holds a Bachelor of Business degree from Florida College, earned in 2016, and is a Personal Investment Advisor (PIA). Payton prioritizes faith and family in both his personal and professional life. He and his wife, Bethany, are members of the Church of Christ in Normal and are actively involved in their church community. Outside of work, Payton enjoys baseball, basketball, football, racquetball, table tennis, volleyball, reading, board games, athletic competition, and spending time with his family.

John Meinhold is a Senior Financial Advisor at Merrill Lynch Wealth Management based in the Bloomington branch, servicing clients throughout Central Illinois. With over 21 years of experience, he works with individuals and businesses to help them achieve their financial goals. His client focus areas include divorce transition planning, executive compensation, family wealth management strategies, managing new wealth, personal retirement planning, small business strategies, and socially responsible, values-based, and ESG investing. John holds a Bachelor's Degree in Agri-Business from Illinois State University, earned in 1989. He has earned several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is affiliated with the College for Financial Planning and participates actively in community organizations such as Make A Wish and holds various board positions in local organizations. Residing in El Paso with his wife Susan and their four children, John serves on the board of his church and the EPG Titans Sports Booster Club. He enjoys coaching youth sports, playing golf, baseball, and spending time with his family.

Brett McDaniel is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2015 after working in the banking industry as a personal banker and branch manager. Brett focuses on delivering holistic wealth management strategies to help clients pursue their short- and long-term financial goals. He specializes in services for endowments, foundations, and non-profits, portfolio management, socially responsible and values-based investing, tax minimization, and retirement income. Brett works closely with clients to identify primary goals such as education funding, tax strategies, and retirement services, providing access to Merrill's investment resources and Bank of America's banking services. Brett holds a Bachelor's degree from Greenville College and an MBA from Illinois State University. He possesses professional designations including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of work, he is involved in his church community at Eastview Christian Church and values spending time with his wife and four children, enjoying family walks, games, and sports.

Michele Heller is a financial advisor with Merrill in Bloomington, IL, holding a Series 66 designation and 20 years of industry experience. She has been with Merrill since 2009. 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 plans, corporations, and charitable organizations.

Scott Pullen is a financial advisor with Merrill, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Merrill, he worked at Walmart Inc. for 12 years. 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 plans, corporations, and charitable organizations.