Bank of America Coronavirus Resource Center See details

Jacquelyn Niedringhaus



Listen first and talk later
Understand where you are, where you want to be and help you "connect the dots"
Highly experienced advisor with business management and CPA background (*)
Area of focus - long term care planning strategies

My goal is to deliver to you what I would expect from my financial advisor – a focus on developing a relationship that extends far beyond investments and includes a deep understanding of who you are, what you are trying to achieve and what is required to get there. This core belief has guided me since becoming a financial advisor in 2004.

My time as a financial advisor and my background earning an MBA, being a CPA (*) at Deloitte & Touche and my 17 years at Hewlett-Packard, including my role as a director, have served me well in my role as a financial advisor. I bring to bear a unique combination of skills as an experienced advisor, a business management background and accounting and tax experience. Most importantly, a key tenet of mine is to “listen first and talk later”.

I am backed by one of the largest and most sophisticated financial service firms in the industry. I offer traditional brokerage and investment banking services including investments, life insurance and long term care insurance. In addition, Merrill Lynch Wealth Management is part of Bank of America so I work closely with Wealth Management Lending Officers(**)from Bank of America, N.A. who can provide strategic and personalized home financing guidance focused on your needs.

One of the most enjoyable parts of my job is talking with clients, both on a professional and personal basis. I believe that getting to know each other on a personal level builds a shared trust and mutual respect that allows me to better serve my clients.

I combine my understanding of you with my experience and knowledge to construct a goals-based plan that quantifies what is needed to reach your goals and measures our progress. I chose to become a financial advisor because I find the process of helping clients achieve their lifelong goals the most rewarding profession of my career.

I graduated as valedictorian of the College of Business at Utah State University with a B.S. degree in accounting and received an M.B.A. degree from the University of California-Berkeley. I am a charter member of WomenGive, a United Way organization which began in 2006 and focuses on providing childcare scholarships for single parents who are pursuing a college degree.  I have been a member of the Foothills Rotary Club of Fort Collins since 2004, served as president FY2016-'17 and was named 2017 District President of the Year. While I was the president, my club launched the Fort Collins Ale Trail which is an app you download to your smartphone. Upon making a $20 donation, the user is entitled to 2:1 beers at 26 microbreweries and all the net proceeds go to charity. In the first 2 years, we have donated $32,500 to charities.

My hobbies include traveling, jogging, mountain biking, yoga and downhill skiing, especially in Steamboat Springs, Colorado, where we own a mountain home. My husband Scott and I took our two daughters and visited Antarctica in 2019 and achieved our goal of traveling to all 7 continents.  We live in Fort Collins, Colorado. Our oldest daughter graduated from the School of Journalism at the University of Missouri, was a reporter for 4 years and is now in marketing at a tech startup JumpCloud. The younger is a senior majoring in mechanical engineering and applied math at the Univ. of Colorado-Boulder and is the team project manager for her senior design project with JPL (Jet Propulsion Laboratory). 

(*) Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

(**) Wealth Management Lending Officers do not offer investment advice, nor make recommendations on investment products.

(***)  Jacque Niedringhaus NMLS#1233333

When I served as President of the Foothills Rotary Club of Fort Collins in 2017, I wanted a fundraiser that involved and benefited the local community.  Given the abundance of world class craft beer destinations in the Fort Collins area, our club teamed with 25 local microbreweries and brewpubs to create the Fort Collins Ale Trail, an app you download from iTunes or Google Play Store (search for Donor Trail) to your mobile phone.  In the app, you have the option to purchase the pass for $20 and, by doing this, you will receive offers now worth over $200 including 2-for-1 beers at now 21 of the 25 breweries as well as discounts from sponsors.  The best part of this is that all the net profits go to charities selected by our club and by the microbrewery partners and the user gets to select from when they purchase the app.  We just completed our first year of operation and are slated to give over $14,000 to these 5 charities.




    University of California-Berkeley

    Utah State University

Professional Staff

Supported by the global resources of Merrill, my team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Additional Resources

The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.

Jessica Khammany

Jessica Khammany

Wealth Management Banking Specialist

Merrill Lynch

Andrew M Butt

Andrew M Butt

Senior Wealth Management Lending Officer

Bank of America, N.A.

NMLS #515815

Daniel Mandel

Daniel Mandel

Trust Specialist

Bank of America, N.A.

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life


My mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. I help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. My wealth management approach is about using wealth to help turn goals into reality.


I believe the best financial strategy is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, I will work with you to develop strategies designed to help address your financial needs.


I begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing financial strategies to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. By gaining a deeper understanding of how you think and feel about investing, through this assessment I can customize financial strategies together. Using an understanding of your priorities and investment personality as a foundation, I help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.


My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investment management. My ability to provide access to the investment insights of Merrill, as well as banking, trust and fiduciary services from Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with strategies for transferring wealth to the younger generation.

Focus On Individuals and Families

I work primarily with high-net-worth individuals and families. I’ll begin by getting to know you as we explore the following seven priorities together:

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

I work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.


Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial strategy we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial strategy.

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

Staying on Track

We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help you stay on track to achieve what's most important to you.

Periodic reviews to help you
stay on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

    Monitoring changes in your life
    and to your goals

    Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

    Wealth Management Your Way

    MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities

    It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click

    You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features

    Your advisor is a click away through our Secure Inbox and texting application

    Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      Why Merrill Lynch?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

      Personalized advice from a dedicated financial advisor.

      Getting to know you is our primary goal.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

      Adjusting your strategy as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.