Denver, CO Josephine St Office

Michael Lutz is a financial advisor at Merrill with 14 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2016, following three years at UBS Financial Services. Outside of his advisory role, he co-owns a rental property used for Airbnb with family members. 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 strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party investment teams.

Steven Ross is a Series 66-licensed financial advisor with seven years of industry experience, currently with Merrill in Denver, CO. His prior experience includes roles at LPL Financial and Robinhood Markets, Inc. Outside of his advisory work, Ross serves as a commissioner on the City of Lone Tree Planning Commission and as a volunteer trustee for the Douglas County Library District Board of Trustees. 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.

John Mitchell is a financial advisor with Merrill based in Denver, CO, holding a Series 66 designation and four years of industry experience. He has worked with Merrill and Merrill Lynch since 2018, with a brief period of unemployment in 2020–2021. Prior to his career in finance, he spent eight years working in education at the high school and middle school levels. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Willeford is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1995 and focuses on providing wealth management services to high net-worth families, including corporate executives, entrepreneurs, and business owners. Michael specializes in addressing complex challenges faced by high net-worth investors, particularly in areas such as corporate executive services, executive compensation, and equity compensation services. Michael leads The Willeford Group, which offers a family office-like approach backed by over 60 years of combined experience and support from specialists across Merrill and Bank of America. The group's goal is to help clients build structured financial strategies that address compensation, taxes, and long-term planning through various career stages and market cycles. He holds a Bachelor of Science degree in Business Administration from the University of Colorado. Michael is active in community service and has volunteered as a board member of the ALS Association-Rocky Mountain Chapter since 2018. Outside of work, he enjoys fishing, golfing, reading, traveling, and yoga.

Amanda Vigil is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services, Morgan Stanley, and CIBC Private Wealth. She serves as co-trustee and conservator for family trusts. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

John Walsh is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and previously worked in education at Cherry Creek Public Schools and Denver Public Schools. 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, pension plans, corporations, and charitable organizations.

Darcy Armstrong is a financial advisor at Merrill in Denver, CO, with 14 years of industry experience. He has been with Merrill since 2013. Armstrong holds Series 63 and Series 65 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. The firm offers model-based and discretionary strategies developed by internal and third-party teams, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Luke Nowakowski is a Financial Advisor at Merrill Lynch Wealth Management, where he collaborates with professionals and their families to develop financial plans that align with their goals. He works as part of the Burns / Nowakowski Group, which has over 30 years of experience serving clients in managing their financial situations. Luke's approach focuses on helping clients navigate financial decisions by identifying their priorities and constructing tailored plans. He emphasizes transparency and takes his responsibility seriously in managing his clients' financial well-being. His expertise includes comprehensive financial planning and investment advisory services. He grew up in Orchard Park, NY, and holds a bachelor's degree in Political Science from Wittenberg University. After college, Luke served in the United States Air Force as a photojournalist and pursued an MBA at Regis University while enlisted. Following his honorable discharge, he entered the wealth management field, continuing his family legacy in the profession. Luke holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He currently resides in Buffalo, NY, and participates in sports and outdoor activities during his free time.

Anna Jenkins is a Senior Financial Advisor with Merrill Lynch Wealth Management. She began her financial services career over twenty years ago at Montgomery Securities in San Francisco. Over the years, her practice has expanded to include concentrated stock management, insurance, trust services, wealth transfer planning, and lending and banking services through Bank of America, N.A. Anna's areas of expertise include corporate executive services, family wealth management strategies, managing new wealth, personal retirement planning, socially responsible and values-based investing, women and wealth, and tax minimization. She holds the professional designations of Chartered SRI Counselor (CSRIC) and Personal Investment Advisor (PIA). A native of Rapid City, South Dakota, Anna earned her bachelor's degree from Colorado State University, where she was active in the Music, Theater, and Dance Department. She volunteers at her daughters' school and mentors women in the financial industry. In her free time, she enjoys live music and outdoor recreation with her husband and three daughters.

Heidi Tickle is a financial advisor with Merrill in Denver, CO, holding Series 63, Series 65, and Series 66 licenses and bringing 23 years of industry experience. She has been with Merrill since 2018 and previously worked for the Financial Industry Regulatory Authority for five years. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Tara Gignac is a Financial Advisor affiliated with Merrill Lynch Wealth Management. She brings 20 years of experience in wealth management, focusing on creating flexible and tax-efficient strategies tailored to the unique goals and needs of her clients. Tara's practice involves guiding clients through various life and wealth transitions, including retirement planning, liquidity events, and managing new wealth. Her expertise encompasses a broad range of financial services such as investment risk management, credit and lending solutions through Bank of America, alternative investments, and trust and estate planning offered via the Bank of America Private Bank. Tara holds professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). She earned a Bachelor of Arts degree in Linguistics from the University of Maryland, College Park. Outside of her professional work, Tara is involved with the community organization We Dont Waste. Her personal interests include cooking, gardening, surfing, and traveling.

Michelle Nichols is a financial advisor with Merrill in Denver, Colorado, holding Series 63, Series 65, and Series 66 designations. She has 35 years of industry experience, including more than 39 years with Merrill. She also serves in a fiduciary capacity as a Power of Attorney for a family member. 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 developed by internal and third-party managers.

Jonathan Kanaber serves as a Wealth Management Advisor with the Kanaber Oyer Group at Merrill Lynch Wealth Management in Denver, Colorado. In this role, he focuses on providing tailored financial strategies to clients and their families, helping them pursue both short- and long-term financial goals. His client base includes multi-generational families, health care professionals, attorneys, and executives, with services encompassing trust and family planning, investment guidance, retirement preparation, and education planning. Before joining Merrill Lynch Wealth Management in 2016, Jonathan worked as a Mechanical Design Engineer, a background that provides him with significant experience in analyzing client needs to develop customized strategies. He holds both a Bachelor’s and a Master’s Degree in Mechanical Engineering from the University of Colorado System and is a CERTIFIED FINANCIAL PLANNER® professional as well as a Personal Investment Advisor. Jonathan collaborates closely with his team and utilizes the resources of Merrill Lynch and Bank of America to offer a comprehensive range of financial tools and services. Outside of his professional responsibilities, Jonathan is involved in community organizations such as the Arapahoe Rescue Patrol and Junior Achievement Rocky Mountain. He enjoys spending time with his wife and children, participating in activities like hiking, running, camping, chess, football, ice hockey, and reading.

Ryan Kelty is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Denver. He has been with Merrill for nearly 20 years, including roles as a Wealth Management Banker in Philadelphia and Florida before assuming his current position in 2013. Ryan primarily works with individual families across the United States, focusing on connecting all aspects of their financial lives to help prioritize and pursue their most important goals. His areas of expertise include education planning, employee financial health, liquidity management, managing new wealth, portfolio management services, and retirement income. Ryan holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Bloomsburg University. He integrates authentic engagement and a deep understanding of clients’ aspirational goals as a core part of his wealth advising process. Outside of his professional work, Ryan is a loyal husband, father, and friend. He married his wife, Karen, in 2010, and they have two children. The family enjoys the outdoor lifestyle in Colorado. Ryan’s personal interests include football, golfing, music, running, skiing, and yoga.

Elisabeth Porrey is a Financial Advisor affiliated with Merrill Lynch Wealth Management. She focuses on helping women, families, and business owners build confidence in their financial future. Elisabeth works closely with clients to develop personalized strategies that align their finances with their life goals, addressing complex financial decisions related to major life events, career growth, entrepreneurship, and evolving family priorities. Her areas of expertise include corporate executive services, family wealth management strategies, legacy planning, personal retirement planning, small business strategies, women and wealth, and tax minimization. She is dedicated to building long-term relationships through thoughtful planning, disciplined guidance, and ongoing client engagement. Elisabeth leverages the investment capabilities of Merrill and the banking resources of Bank of America to support clients in navigating their evolving financial needs. Elisabeth holds a Bachelor's Degree from Texas Christian University and is a Personal Investment Advisor (PIA). Outside of her professional work, she enjoys cooking, golfing, interior decorating, pickleball, spending time with her family, and traveling.