Clayton, MO 7676 Forsyth Blvd Office

Azin Kaiser is a Senior Financial Advisor at Merrill Lynch Wealth Management, working with clients to develop personalized financial strategies tailored to their long-term goals. She focuses on creating wealth plans that align with clients' individual objectives and life circumstances. Her expertise includes family wealth management strategies, international wealth management, legacy planning, liquidity management, personal retirement planning, small business strategies, women and wealth, and retirement income. Azin's approach emphasizes building enduring relationships by providing guidance aimed at achieving financial security over a lifetime. Azin holds a Bachelor's Degree from Webster University and a High School Diploma from Affton High. She is a Personal Investment Advisor (PIA) and is proficient in Persian, English, French, and German. Outside of her professional role, she participates in community volunteering in line with Merrill's tradition and has personal interests in boating, boxing, genealogy, music, painting, and skiing.

David Yarbrough is a Senior Financial Advisor with Merrill Lynch Wealth Management, leading a Clayton-based team focused on helping clients achieve their real-life goals through a disciplined planning-based wealth management approach. His team integrates access to private banking services and leverages research and resources from BofA Securities, recognized as a Top Global Research Firm by Institutional Investor. With decades of experience managing both sides of the balance sheet, David’s team provides comprehensive wealth management solutions combining institution-backed insights with personalized service. David holds a Bachelor's Degree from the University of Missouri System and professional designations including Chartered SRI Counselor (CSRIC) and Personal Investment Advisor (PIA). He serves clients in areas such as corporate executive services, executive compensation, family wealth management strategies, LGBT wealth planning, personal retirement planning, portfolio management, and tax minimization. Fluent in English and Spanish, David supports his clients through a client-centered financial planning process. Residing in Saint Louis with his family and beagle dogs, David enjoys spending time with family, traveling, mixing house music, and riding his electric unicycle in his free time. He is also involved in community organizations including Doorways, Lutheran Senior Services, Operation Food Search, and United Way of Greater St. Louis. Banking services are provided through Bank of America, N.A.

Jonathan Carter is a Series 66 licensed financial advisor at Merrill with five years of industry experience. He has worked at firms including J.P. Morgan Securities and Renaissance Financial Corporation. Outside of his advisory role, he owns and operates an online clothing store, Streamlined Digital Solutions LLC. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Paul Martin is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2009, following his tenure with Bank of America N.A. since 2008. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individual, high-net-worth, pension, profit-sharing, corporate, and charitable clients. The firm uses model-based and discretionary investment strategies developed by internal and third-party managers and offers tax-aware options for investors with higher tax sensitivity.

Andrew Sharon serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in crafting personalized wealth management strategies that align with each client's unique financial situation and life priorities. His approach emphasizes understanding what matters most to clients, enabling him to collaborate effectively in creating plans tailored to their goals and aspirations. Andrew's expertise encompasses a range of areas including college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management, small business strategies, and retirement income. He provides both short and long term institutional-style strategies to address complex financial situations, utilizing the resources and insights available through Merrill Lynch Wealth Management. He holds a Bachelor's Degree from Northwestern University and an MBA from Washington University in Saint Louis, and he has earned the Personal Investment Advisor (PIA) designation. Andrew is involved with several professional organizations such as Arch Grants and Washington University Hatchery. His community engagement includes charitable work with the American Jewish Committee, the Jewish Community Relations Council, and Kids In The Middle. Outside of work, Andrew enjoys a variety of activities including baseball, cooking, football, golfing, ice hockey, music, spending time with his family, tennis, traveling, and watching movies.

Anthony Bogay is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on understanding clients' goals and priorities by asking questions and listening carefully to their needs. His approach involves developing strategies to pursue clients' short-, mid-, and long-term financial objectives. His areas of expertise include liquidity management, managing new wealth, personal retirement planning, and portfolio management services. Anthony also provides access to Bank of America specialists for banking, credit, home financing, and small business solutions, offering comprehensive financial guidance. Anthony holds a Personal Investment Advisor (PIA) designation and a High School Diploma/GED from Pennfoster. Outside of work, he enjoys basketball, football, golfing, music, and spending time with his family.

Emily Kingston is a financial advisor at Merrill with a Series 66 designation and nine years of industry experience. She has been with Merrill since 2012 and has also held positions at Fossil, Loft, and Bek Restaurant. In addition to her advisory role, she serves as a power of attorney for fiduciary entities in the St. Louis area. 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.

Geoffrey Ratliff is a Senior Financial Advisor and partner in the Ratliff Wealth Management Group at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2015 and became a partner in The Ratliff Group in 2018. The group focuses on transition planning to assist clients with the financial implications of anticipated and unexpected life events. Geoffrey uses a goals-based approach to develop customized strategies encompassing banking, lending, estate planning, and investment management, addressing clients' risk tolerance, liquidity needs, and investment goals. His expertise includes services for endowments, foundations, non-profits, managing new wealth, personal retirement planning, philanthropic planning, small business strategies, socially responsible and ESG investing, and retirement income. He holds FINRA Series 7 and 66 registrations, is licensed to sell insurance in Missouri, and holds professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Geoffrey graduated with a bachelor's degree from the University of Virginia and is a member of the Omega Psi Phi Fraternity, Incorporated. Geoffrey is actively involved in community organizations focused on education and equity. He serves on the boards of Aim High St. Louis, the St. Louis Public Schools Foundation, and the Board of Trustees at John Burroughs School, where he is also a member of the Community & Equity Partnership Steering Committee. He resides in the University City area of St. Louis with his wife and daughter.

Marvin Anderson is a financial advisor at Merrill with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Bank of America and Merrill for the past 10 years. Outside of his advisory role, he serves on multiple nonprofit and community boards, including as a director for Character Plus, a nonprofit focused on character development in education, and as a trustee for the St. Louis Community Foundation and Webster University. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, incorporating strategic asset allocation and tax-aware options.

John Hogan is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Bank of America, Wells Fargo Clearing Services, and Merrill, all since 2022. Outside of his advisory role, Hogan volunteers as a high school baseball coach for American Legion Baseball. 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.

Michael Gray is a financial advisor with Merrill based in Clayton, MO, holding a Series 66 designation and 25 years of industry experience. He has been affiliated with Merrill since 2009 and Bank of America, N.A. since 2011. Gray serves as a trustee for personal living trusts. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michelle Mufson is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2006, where she has built long-term client relationships based on trust, attentive listening, and personalized service. Michelle works alongside her son, Joseph Mufson, as part of a family team committed to helping clients navigate their financial lives with care and confidence. Michelle specializes in financial strategies tailored for individuals, families, and businesses. Her expertise encompasses areas such as college education planning, corporate benefits, employee benefits planning, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, portfolio management services, special needs planning strategies, and retirement income planning. She emphasizes understanding each client's financial situation thoroughly to develop aligned strategies that meet current needs and future objectives. Michelle holds a Bachelor's Degree from Touro College and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is actively involved in her community, volunteering with the Cancer Support Community and serving as a Court Appointed Special Advocate (CASA) for children in foster care. Michelle lives in University City, Missouri, with her husband and enjoys spending time with her growing family.

Charles Erker serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. With 39 years of experience in financial services, he specializes in areas such as college education planning, divorce transition planning, liquidity management, philanthropic planning, individual and corporate investment strategy, tax minimization, and retirement income. Charles works closely with clients to develop personalized, integrated financial plans that consider their unique perspectives and priorities. He holds a Bachelor's Degree from the University of Kansas and the Professional Investment Advisor (PIA) designation. Charles is involved in his community through his participation on the Access Academies Financial Strategy and Asset Management committee as well as the Cor Jesu Academy Endowment Committee. Outside of his professional endeavors, he has personal interests in boating, music, photography, and writing.

John Lenox is a financial advisor with Merrill in Clayton, MO, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America, Edward Jones, and Charles Schwab, as well as various positions in other industries. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Smiley Jr. is a financial advisor at Merrill with a Series 66 credential and 10 years of experience at the firm. He previously had a role at Peacock Productions in 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.