Miamisburg, OH Office

Walter Roderer III is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 10 years of experience in the financial services industry, providing expertise in areas such as college education planning, family wealth management strategies, executive compensation, employee financial health, retirement income, and portfolio management services. Walter holds a Bachelor's Degree in Business Administration from The Ohio State University. He holds professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is involved in his local church and spends time pursuing personal interests such as baseball, cooking, football, golfing, music, reading, running marathons, skiing, spending time with his family, and yoga.

Christopher Kowal is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has been associated with Merrill Lynch since 2007 and Bank of America since 2009. Outside of his advisory role, he serves on the City of Kettering, Ohio's Strategic Plan Steering Committee, providing input on the city’s comprehensive plan development. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Teresa Rubins is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been in the financial services industry since 1987 and joined Merrill Lynch in 1992. Teresa focuses on developing long-term planning relationships that are tailored to the unique needs of each client, promoting a systematic approach to investing that aligns with their investment goals. Throughout her tenure, Teresa has gained extensive experience with equity, option, and bond market strategies, which she incorporates into client portfolios when appropriate. She holds the Personal Investment Advisor (PIA) designation and earned an Associate's Degree from Sinclair Community College after completing her high school education at Vandalia Butler High School. Teresa is actively engaged in her community as a member of the Tipp City Rotary Club, where she has served as International Chair. She volunteers as a Court Appointed Special Advocate/Guardian ad Litem (CASA/GAL) for the Miami County Juvenile Court. A native of Dayton, Teresa resides in Tipp City and enjoys outdoor activities and spending time with her family.

Seth Boehmer is a financial advisor at Merrill with a Series 66 credential and less than one year of industry experience. His prior work history includes roles at UBS Financial Services, TransAmerica, and Bank of America, among others. Outside of finance, Boehmer has been involved with Skeleton Sports. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Eric Saddler is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in retirement planning, wealth management, and legacy planning, with additional focus areas including college education planning, socially responsible and ESG investing, tax minimization, and retirement income. Eric employs a holistic planning approach, engaging clients with thorough questioning to identify optimal financial strategies tailored to their individual needs. With nearly 30 years of experience, Eric's mission is to provide clear, personalized financial advice that fosters confidence and security in retirement. He holds a Bachelor's Degree from Miami University and is recognized as a Personal Investment Advisor (PIA). Outside of his professional role, Eric enjoys cooking, football, golfing, and spending time with his family.

William Drees is a Financial Advisor with Merrill Lynch Wealth Management. He addresses the complex financial, retirement, and wealth management needs of his clients through a holistic approach. Bill joined Merrill after five years in the oil refining industry as a Chemical Engineer. He holds a Bachelor of Science degree in Chemical and Biomolecular Engineering from Ohio State University and is a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His background as a chemical engineer contributes distinct perspectives and analytical skills to his financial advisory practice. Bill is a native of Vandalia, Ohio, and currently resides in West Chester. He enjoys traveling, pickleball, and fishing. He is actively involved in his community through his membership and service as a Board Member of the Rotary Club of West Chester/Liberty.

Ryan Wolff is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he provides comprehensive wealth management strategies and planning. He works with clients across the wealth spectrum, including those focusing on wealth accumulation, retirement planning, and legacy planning. Ryan also supports institutional clients by offering services such as equity compensation consulting and philanthropic planning. He holds both a Bachelor's and a Master's degree in Finance from the University of Dayton and has earned the Personal Investment Advisor (PIA) designation. Ryan applies a planning-focused approach to help clients achieve their specific financial goals through cash flow and liquidity planning, investment management, retirement, and legacy strategies. Raised in Bellbrook, Ohio, Ryan resides in Kettering. He participates in community activities including Habitat for Humanity and JDRF. In his spare time, he enjoys golfing and supporting the Dayton Flyers basketball program, among other interests such as basketball, cooking, football, photography, running, traveling, and woodworking.

Kelly Bramel is a Senior Financial Advisor at Merrill Lynch Wealth Management and a partner with Borchers, Bramel, and Associates. She serves clients in the Dayton-Cincinnati area and across the nation, focusing on aligning financial strategies with clients' personal goals and legacy desires. Kelly draws on her extensive experience to provide personalized wealth planning and investment management. Kelly began her career after graduating from the University of Dayton with a Bachelor's degree in finance and marketing, including her role as a founding student member of the Davis Center for Portfolio Management. She spent ten years in the trust department of a major bank before joining Merrill Lynch in 2011. Kelly holds the Certified Plan Fiduciary Advisor (CPFA) designation, Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) credentials. In addition to her professional work, Kelly serves on the Finance Committee for the West Chester/Liberty Community Foundations and is a member of the Dayton Area Chamber of Commerce. She enjoys spending time with her husband and two sons, often supporting their football, basketball, and baseball activities.

Jacob Goubeaux is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing financial advisory services to clients within this capacity. Jacob earned his Bachelor's Degree from the University of Dayton. Further details about his experience, areas of expertise, or personal interests were not provided.

John Grubb is a financial advisor at Merrill with 26 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2000 and Bank of America, N.A. since 2009. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and monitoring through multiple program strategies and benefits from integration with Bank of America’s broader banking and capital markets platform.

John Grubb is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill and Bank of America, N.A. since 2012. Outside of his advisory role, he is the sole owner of a rental property business based in Cincinnati, Ohio. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment approach includes multiple program strategies with both client and advisor discretion, supported by a broad roster of manager-constructed strategies and tax-focused overlay services.

Lisa Miller is a financial advisor at Merrill with 26 years of industry experience. She has been with Merrill since 1997 and holds Series 63 and Series 65 credentials. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and tax-efficient investment strategies, leveraging its integration with Bank of America affiliates to support trading, lending, and capital-markets activities.

Kevin Poynton is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to develop financial strategies aimed at pursuing their short-, mid-, and long-term goals. He offers guidance in general investing, retirement planning, and saving for unexpected needs, while also providing access to banking, credit, home financing, and small business solutions through Bank of America specialists. With a background in the non-profit industry, Kevin transitioned to financial advising to help clients pursue their financial goals by integrating all aspects of their financial life. His areas of focus include college education planning, personal retirement planning, and small business strategies. Kevin employs a comprehensive approach that considers risk tolerance, time horizon, liquidity needs, and goals to create personalized financial strategies. Kevin holds a Bachelor's degree from the University of Dayton and has earned the Personal Investment Advisor (PIA) designation. He is active in his community, dedicating time to coaching baseball and volunteering in local parishes. Kevin resides in Dayton with his wife and their four children.

Lauren Horine is a Financial Advisor at Merrill Lynch Wealth Management, specializing in personalized financial strategies for individuals and families. She is a CERTIFIED FINANCIAL PLANNER® professional and a Personal Investment Advisor (PIA). Lauren partners with clients to develop thoughtful, goals-based financial planning that aligns with their long-term priorities, assisting with complex financial decisions across various areas including family wealth management, employee financial health, managing new wealth, personal retirement planning, portfolio management, special needs planning, and women and wealth. Lauren earned her bachelor's degree from Denison University, where she was a member of the women's basketball team. She is part of the Engle Conger Mooi Wealth Management team, which is dedicated to providing personalized advice and guidance by understanding clients' financial goals and what matters most to them. Originally from Dayton, Lauren brings a strong sense of community to her work. Outside of her professional role, she enjoys basketball, cooking, hiking, music, reading, running, spending time with family, traveling, watching movies, and yoga.

Shawn Morris is a financial advisor with Merrill in Miamisburg, Ohio, holding a Series 66 designation and over 24 years of industry experience. He has been with Merrill since 1992. Outside of his advisory role, he serves as a Power of Attorney for non-investment related entities. 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.