Grand Blanc, MI Office

Michael Lowther is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2008, specializing in providing special services to his clients. With over 19 years of experience in the financial services industry, Michael focuses on areas such as college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, special needs planning strategies, and retirement income. Michael holds a Bachelor's Degree from Central Michigan University and is recognized as a Personal Investment Advisor (PIA). He lives in Clarkston with his wife Lindsay and their two children. Outside of his professional work, Michael enjoys cooking, football, golfing, racquetball, reading, running, skiing, and spending time with his family. He is also involved in community activities including Easter Seals and Special Olympics.

Alex Storozhenko is a Senior Financial Advisor with extensive experience in wealth management, serving successful executives, professional athletes, and high-net-worth families. Leading The Storozhenko Group within Merrill Lynch Wealth Management, he offers clients access to Merrill's investment resources and the banking services of Bank of America. His expertise includes comprehensive wealth management, focused support for professional athletes to manage their unique career demands, and guidance through significant financial transitions such as retirement, inheritance, and business sales. Since entering the financial services industry in New York City in 1997, Alex has developed specialized capabilities as a Portfolio Manager, offering discretionary management of personalized and defined investment strategies. He collaborates closely with clients' attorneys, accountants, and other advisors to address estate planning and related financial matters. His professional certifications include Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Alex holds a bachelor's degree from Moscow Business University. Outside of his professional activities, he enjoys antiquing, chess, cooking, fishing, and watching movies. He lives with his wife, Christine, and their two sons, Nick and Evan.

Anna Christensen is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch in 2020, bringing with her nine years of experience in the financial services industry. Prior to this, she spent seven years at JPMorgan Chase, where she focused on serving high net worth families. Since January 2021, Anna has been a member of the Storozhenko Group. Anna holds Series 7 and Series 66 FINRA registrations as well as the Personal Investment Advisor (PIA) designation. Her expertise includes liquidity management, managing new wealth, personal retirement planning, sports and entertainment clientele, and retirement income. She specializes in performance analysis of various asset classes and providing client education across multiple generations. Anna's approach involves understanding clients' priorities, risk tolerance, goals, and liquidity needs to develop customized wealth management strategies. She earned a High School Diploma from Millington High School and an Associate's Degree from Mott Community College. In addition to her professional responsibilities, Anna is involved with the Food Bank of Eastern Michigan. Her personal interests include gardening, reading, running, spending time with family, and traveling.

Robert Gegg is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill for 44 years, providing financial advisory services focused on money management, financial and estate planning strategies. Robert offers customized investment advice and guidance to high net worth individuals as well as institutional clients. His expertise includes working with concentrated equity positions for a diverse client base, including individuals, trusts, estates, charitable foundations, and endowments. Robert holds the Personal Investment Advisor (PIA) designation and earned his Bachelor's Degree from Ferris State University. Widowed, Robert has four children and five grandchildren. Outside of his professional work, he enjoys spending time with his family and participates in activities such as golf, tennis, fishing, and other outdoor pursuits.

Jeffrey Williams is a financial advisor at Merrill with 25 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2004 and Bank of America, NA since 2009. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm emphasizes manager selection and monitoring, tax-efficient strategies, and benefits from deep integration with Bank of America’s capital-markets platform.

Joseph Ragnone is a Financial Advisor at Merrill Lynch Wealth Management and a member of the NMY Ragnone Group. He works with individuals and families to develop personalized financial strategies aimed at supporting their long-term goals. His professional services include tailored investment management, retirement planning, estate planning, and family wealth strategies. Joseph holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a High School Diploma from Lake Fenton High School and attended Mott Community College without obtaining a degree. His approach focuses on understanding clients' priorities to create strategies that help pursue their financial objectives.

Mariam Joseph is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in comprehensive wealth management strategies. She works closely with clients to develop personalized financial plans that align with their long-term goals. Mariam leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to address various aspects of her clients' financial lives. With a focus on areas such as college education planning, employee benefits, family wealth management, and retirement income, Mariam emphasizes a thorough understanding of each client's needs. She holds the Personal Investment Advisor (PIA) designation and earned her Bachelor's Degree from Mahatma Gandhi University. Mariam is fluent in Malayalam, Hindi, and English. Residing in Rochester, MI with her son, Mariam is actively involved in community organizations including IGEN MI chapter, LEAD for Women, DIWA, InForum Rochester, India Club of Genesee County, and Kerala Club. Her personal interests include traveling, boxing, cooking, football, golfing, knitting/crocheting, tennis, and practicing Krav Maga and weight training.

John MacDonald is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1996, working with high net worth families, endowments, and foundations to provide investment, wealth management, cash-flow management, and special services. His areas of focus include family wealth management strategies, managing new wealth, retirement planning, philanthropic planning, portfolio management, small business strategies, socially responsible and ESG investing, and individual and corporate investment strategy. John earned his M.B.A. with a finance major from the University of Michigan-Flint and holds the CERTIFIED FINANCIAL PLANNER® designation from the Certified Financial Planner Board of Standards, Inc. He has been recognized on the Forbes "Best-in-State Wealth Advisors" list for eight consecutive years. Community involvement includes service as the Finance Chair and Treasurer of The Flint Cultural Center Corporation, where he is also a former Vice Chair. John lives in Fenton with his wife, Nicole, and their daughter, Allie. He is a parishioner of St. John, Fenton. In his personal time, John enjoys biking, music, swimming, tennis, traveling, and spending time with his family.

Jeffrey Bowie is a financial advisor with Merrill in Grand Blanc, MI, holding Series 63, Series 65, and Series 66 licenses and 17 years of industry experience. He has worked at Merrill since 2008, with a brief period at BofA Securities in 2019. 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.

Jayce Erwin is a Senior Financial Advisor and a member of the BRZ Group with Merrill Lynch Wealth Management in the Grand Blanc, Michigan office. He provides financial advice and guidance to high-net-worth individuals and their families, collaborating closely with clients and their trusted advisors to address a variety of short- and long-term financial goals. Jayce and his team utilize the investment insights of Merrill and the banking capabilities of Bank of America to assist clients in navigating financial challenges and identifying opportunities. Jayce joined Merrill in 2018. His approach involves careful listening to clients' financial situations, preferences, and goals, including considerations such as time horizon, liquidity needs, and risk tolerance. He offers tailored recommendations designed to support income, growth, and long-term planning, maintaining ongoing engagement to ensure strategies remain aligned with clients' evolving objectives. He earned a Bachelor of Business Administration with a focus in Accounting from the University of Michigan–Flint. Jayce holds the Chartered Retirement Planning Counselor (CRPC) designation through the College for Financial Planning Institutes Corp, the Certified Plan Fiduciary Advisor (CPFA) designation offered by the American Society of Pension Professionals & Actuaries, and the Personal Investment Advisor (PIA) designation. Jayce lives in Swartz Creek, Michigan with his wife, Danielle, and their three children.

Joshua Brehm is a Managing Director and Wealth Management Advisor with the BRZ Group at Merrill Lynch Wealth Management in Grand Blanc, Michigan. He advises high-net-worth individuals, families, and business owners, delivering strategies that support growth, transition, and long-term financial security. Josh joined Merrill in 2013 and serves as a liaison to senior leadership through the Merrill Financial Advisor's Advisory Council to Management (ACTM). Josh's expertise focuses on assisting successful business owners with the sale, transition, or succession of their companies. He works collaboratively with clients and their legal, tax, and financial advisors to create integrated strategies that address liquidity planning, investment strategy, tax efficiency, estate planning, charitable giving, family wealth transfer, and life after business ownership. Josh also provides guidance on college education planning, corporate benefits, executive compensation, family wealth management, and personal retirement planning. He holds a Bachelor's Degree in Finance from Alma College, a Master of Business Administration in Finance from Walsh College, and completed a certificate program at Oakland University. Josh has earned several professional designations, including Certified Financial Planner (CFP®), Certified Exit Planning Advisor (CEPA®), Certified Plan Fiduciary Advisor (CPFA®), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He lives in Fenton, Michigan, with his wife, Holly, and their three children. Josh is also involved with Alma College.

Bradley Foutch is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has served since 2011. He specializes in working with high net-worth families, focusing on corporate executive services, divorce transition planning, executive compensation, family wealth management strategies, and tax minimization. Bradley and his team at The Foutch Group develop tailored financial strategies to address the unique lifestyle needs, cash-flow scenarios, and wealth preservation goals of their clients. Their approach includes asset allocation across equities, fixed income, alternative investments, options, and ETFs, with an emphasis on helping clients build, manage, and preserve their wealth. Bradley holds a Bachelor's Degree in Business and Finance from Lynn University in Boca Raton, FL. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Bradley lives in Linden, Michigan, with his wife and three children. Outside of his professional work, he enjoys baseball, basketball, boating, fishing, football, and spending time with his family.

Justin Fister is a Wealth Management Advisor and partner of The HLA Wealth Management Group in Chicago, Illinois. With over 16 years at Merrill Lynch Wealth Management, Justin specializes in assisting affluent multi-generational families, corporate executives, and business owners with complex wealth management needs. His role involves tax-sensitive investment management, retirement cash flow and income planning, executive compensation planning, business cash management and succession planning, as well as estate, legacy, and trust services. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification through the CFP Board of Standards, Inc., as well as the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Justin graduated from Ohio University with degrees in finance and marketing. He applies a goals-based approach, collaborating closely with clients and their families to develop customized financial strategies aligned with their short-term and long-term objectives. Residing in the Edgewater neighborhood of Chicago with his wife, Sonnie, and their son, Jackson, Justin is an active member of the Best Buddies organization and the Chicago Council on Global Affairs. He enjoys golfing in his spare time.

Cassie Wright is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, she worked at Mainstay Capital Management and TD Ameritrade. 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 a range of individual and institutional clients.

Nicholas Nawrocki is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management strategies tailored to clients’ unique goals and aspirations. He collaborates closely with individuals, families, corporate executives, charitable organizations, and endowments to develop comprehensive financial plans focused on family wealth management, legacy planning, personal retirement planning, and retirement income. Nicholas emphasizes a goals-based approach aimed at improving clients’ financial health and maintaining lifelong relationships through regular reviews and strategy adjustments. Nicholas holds a Bachelor's Degree from Michigan State University and the professional designation of Personal Investment Advisor (PIA). He integrates the investment insights of Merrill and the banking and lending solutions of Bank of America to deliver flexible strategies suited to today’s dynamic market conditions. His approach is founded on understanding clients’ life priorities beyond market performance to create plans centered on what matters most to them. In addition to his professional commitments, Nicholas participates in community service through his involvement with the American Cancer Society. Outside of work, he enjoys basketball, fishing, golfing, traveling, and spending time with his family.