Boise, ID N 9th St Office

Aida Carr is a financial advisor with Merrill in Boise, ID, holding Series 63 and Series 66 credentials and seven years of industry experience. She previously worked at Northwestern Mutual Investment Services LLC and John Hepworth before joining Merrill in 2019. 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 plans, corporations, and charitable organizations.

Jena Cartusciello is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2015, including time with Bank of America, NA since 2023. 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, and institutional investors.

Kerry Peltier is a financial advisor at Merrill with 4 years of industry experience. He holds a Series 66 designation and previously worked at OMCS for 9 years before joining Merrill in 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Nathan Peterson is a financial advisor with Merrill in Boise, ID, holding a Series 66 credential. He has one year of industry experience, with prior roles at Bank of America, Alter Domus, and other organizations. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Heidi Fogarty is a financial advisor at Merrill with 27 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1999, also working at Bank of America, N.A. since 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Justin Ruttke is a Financial Advisor at Merrill Lynch Wealth Management with over seven years of experience in wealth management. He specializes in helping clients develop tailored financial strategies that align with their unique goals, including education planning, family wealth management, legacy planning, personal retirement planning, philanthropic planning, portfolio management, tax minimization, and retirement income. Justin holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation and is a Personal Investment Advisor (PIA). He earned his bachelor's degree from Arizona State University. His approach focuses on building long-term, trusting relationships and providing clarity and thoughtful insights to help clients navigate complex financial decisions. Outside of his professional work, Justin enjoys football, golfing, hunting, music, skiing, and spending time with his family.

Luke Allen is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on liquidity management, managing new wealth, and small business strategies. Luke works directly with clients to develop financial strategies aligned with their personal values and goals. His approach centers on listening carefully to uncover what matters most to clients and their families. He holds a Bachelor's Degree from Boise State University and maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Luke is a Merrill Financial Solutions Advisor, providing clients access to Merrill's global investing resources along with credit, lending, and banking services from Bank of America. Outside of his professional role, Luke enjoys outdoor activities including pickleball, running, and skiing. He values fitness and spending time with friends and family.

Douglas Johnson is a financial advisor with Merrill in Boise, ID, holding a Series 66 designation and 24 years of experience at the firm since 2002. Outside of his advisory role, he is a co-owner of a family rental property in Nampa, Idaho. 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.

Cheryl Nelson is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill since 1998, alongside a concurrent role at Bank of America since 2011. 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.

Bowen Ogata is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career at Merrill in July 2018 after completing the advisor training program. Bowen applies a comprehensive approach to wealth management, focusing on understanding each client's needs and goals to develop personalized financial strategies. He leverages the investment insights of Merrill Lynch Wealth Management alongside banking solutions from Bank of America to address various aspects of his clients' financial lives. Bowen's background includes playing collegiate baseball at the University of Illinois Chicago, where he earned a bachelor's degree in finance. He holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His areas of expertise encompass education planning, family wealth management strategies, legacy planning, liquidity management, retirement planning, portfolio management, and investment strategies for individuals and small businesses. In addition to his professional commitments, Bowen participates in community activities such as volunteering with Make-A-Wish. Outside of work, he enjoys hiking, skiing, fly-fishing, golfing, baseball, camping, fishing, football, hunting, and spending time with family and friends. He is also a member of Crane Creek Country Club.

Kurt Williams is the Resident Director and a Wealth Management Advisor at Merrill Lynch, where he leads the wealth-management team Williams, Jones & Associates. He works with clients nationwide, providing tailored financial planning and investment advisory services that address the unique needs and goals of families and individuals. Kurt's approach is grounded in a comprehensive understanding of wealth management, including risk tolerance, time horizon, liquidity needs, and investment objectives. Prior to joining Merrill in 2011, Kurt spent 12 years as a Certified Public Accountant, including seven years in forensic accounting at a Big Four accounting firm. This background influences his methodical approach to investing, risk management, and wealth transfer strategies. His team serves a diverse clientele ranging from business owners and entrepreneurs to executives and professionals, assisting them in areas such as business transitions, portfolio management, and intergenerational wealth transfer. Kurt holds a bachelor's degree in accounting from Washington State University and is a CERTIFIED FINANCIAL PLANNER™ certificant. He lives in Boise, Idaho with his wife, Lynne, and their three daughters. He serves on the boards of the Bishop Kelly Foundation and The John J. Creegan Foundation for St. Mary's School, Inc. Outside of work, he enjoys spending time with his family and running with his dogs in the foothills.

Kathryn Kusler is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. Prior to joining Merrill in 2024, she worked at Morgan Stanley for one year. Outside of finance, she has worked in the restaurant industry at Buffalo Wild Wings. 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.

Uwe Ruttke is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1994 and specializes in financial strategies and advanced planning techniques for high net worth clients. Uwe previously served as Senior Resident Director of the Pleasanton office for ten years before assuming his current advisory role. Uwe holds a bachelor's degree in business from Valparaiso University and is a Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). He has been recognized regularly in Barron’s Magazine as one of the Top 1200 financial advisors in the country, most recently in March 2025. His professional affiliations include membership in the Aspen Institute and the Recording Academy. Outside of work, Uwe enjoys music, skiing, and boating with his wife and two daughters.

Denise Burgess is a financial advisor with Merrill in Boise, ID, holding a Series 66 designation and bringing nine years of industry experience. She 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, offering both model-based and discretionary investment strategies for a range of individual and institutional clients.

Ted Fichter is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining the firm in 1991, he has accumulated over 30 years of experience in offering strategies and potential solutions tailored to clients’ risk tolerance, time horizon, liquidity needs, and overall investment objectives. Ted’s expertise spans a broad range of investment vehicles to help clients establish appropriate financial plans. Ted holds the Personal Investment Advisor (PIA) designation. He completed his education at Parkway West High School. Outside of his professional role, Ted serves as a board member of Lions In Sight, a nonprofit foundation. In this capacity, he travels internationally to developing countries to facilitate humanitarian aid.