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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 2018, we launched the Rotary Foodie Trail.  Since inception May 2017 - Dec. 31, 2019, we have donated over $47,000 to charity.
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 just graduated summa cum laude from University of Colorado-Boulder majoring in mechanical engineering and applied math.  She will be working at Answer Engineering, an aviation and aerospace engineering consulting firm  in Englewood, Colorado. 

(*) 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 30 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 25 of the breweries as well as discounts from sponsors.  In 2018, we launched the Rotary Foodie Trail, which now has 20 participating restaurants.  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.  Since inception May 2017 - Dec 2019, we have given over $47,000 to charity.




    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

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 what matters most to you. 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 and implement a customized wealth management approach that helps you and your family pursue your personal financial goals while helping manage investment risk. My wealth management approach is about using wealth to help turn goals into reality.


I believe the best financial approach 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 an approach 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 your financial approach 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 and your family.

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. Together, I can help customize your investment approach. 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 investments. My ability to provide access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience and lending solutions of 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 potential solutions for transferring wealth to the younger generation.

Focus On Individuals and Families

I can offer advice and guidance designed to assist you in making investment-related decisions and trade-offs that can help you reach personally meaningful goals.  So whether you’re planning your retirement, saving to buy a home or fund a child’s education, I’ll start by getting to know you and how you feel about the following seven life priorities.:

  • 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

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

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 approach 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 approach.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of 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 Planning Services4
  • Education Funding1
  • 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 Funds4
  • Private Foundations4
  • Charitable Trusts4
Using your finances to bring it all together
  • Merrill 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

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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 approach, 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 to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.

    Monitoring changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

    Wealth Management Your Way

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

    Your advisor is a click away within our site or mobile apps

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

    Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

      Let’s Have a Conversation

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

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and 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.

      We get to know you and your family, your financial situation and what matters most to you.

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

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

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