McCullough & Associates

Merrill lynch

McCullough & Associates

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Merrill Lynch
Wealth Management
Accessible, knowledgeable and experienced, we are committed to building and maintaining strong client relationships. We’re passionate about what we do and we bring that passion to helping every client make what may be the most important financial decisions of their lives.

Among the reasons our team chose to be part of the financial services industry, is our desire to help others. This passion to help stems from our collective experience and the financial challenges that we, our friends or families, have experienced in the past. As witnesses to the challenges faced by important people in our lives, we recognized the need for a professional and caring team to help others realize the life they want. Our purpose is to help others define their goals, establish a wealth management strategy centered on their priorities and then help them to adjust their strategy, as needed, as the inevitable changes in life occur.


McCullough & Associates is committed to providing financial well being to our clients.  As your trusted advisors, we guide you through a process to preserve, grow and successfully transfer your wealth.  It all begins with a conversation. We want to know you, your children's names, how hard you worked to get where you are, how you define success and the goals you want to achieve.   

At the center of every relationship is you.  Our advice and guidance around investing is grounded in this understanding of you.  Our holistic approach includes Retirement Income Planning, Investment Guidance, Estate Coordination and Legacy Implementation, and Tax Planning Strategies.  We work together to prioritize your goals and understand your investment personality - risk tolerance, time horizon, liquidity needs, and investment objectives.  We partner with you to create and implement a customized financial strategy and service model, which addresses each of your unique concerns and goals one by one.  

Our practice is committed to full disclosure of all fees and material facts associated with any relationship, providing the best advice and guidance in your best interest.  We are confident that our team possesses all of the resources, experience to bring clarity, purpose and direction to even the most complex situation.  We believe our clients will benefit from our advice, access to the investment insights offered by Merrill, trust services from Bank of America Private Bank and the banking convenience of Bank of America.

When it comes to your success, there's only one financial strategy that really matters - yours. 

*Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly-owned subsidiary of Bank of America Corporation.


We 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, we 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 us 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 we can customize financial strategies together. Using an understanding of your priorities and investment personality as a foundation, we 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.

What Sets Us Apart

  • Investment expertise-- Our investment advice is backed by the sophisticated market insights and award-winning¹ research of Bank of America Merrill Lynch's Global Research Group which housed over 600 analysts in 2014.
  • Custom portfolio management-- With two Senior Portfolio Advisors on our team, you can sit face-to-face with them, learn how they make decisions and ask questions.
  • Uniquely qualified advisors-- Our distinguished group of Merrill Lynch Wealth Management Financial Advisors hold designations attained through rigorous training and assessment processes.
  • Independence-- Objective advice with the best interest of clients, 401(k) plan participants and beneficiaries at its core.
  • Customized strategies-- One-on-one assessment of your individual retirement plan, and customized strategies for organizations, designed to align with your interests and goals.
*Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Merrill Lynch Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Merrill Lynch Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

*Institutional Investor magazine announced BofA Merrill Lynch Global Research as one of the top global research firms from 2011-2018 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Merrill Lynch Global Research is research produced by BofA Securities, Inc (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. For more information about this award, go to . Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement. 

How We Help Clients

Clients at various stages, in their lives, count on us to help them find ways to pursue their financial and life goals, including:

  • The retirement lifestyle they envision
  • Preparing for the costs associated with providing for the best education possible for children and grandchildren
  • Tax-aware wealth transfer to the next generations
  • Establishment of their legacy through family and philanthropy
  • Diversifying business interests
  • Coordinate banking needs- cash management, credit and lending, home equity and liquidity management, through Bank of America
  • Work with your other professionals-- attorneys, accountants and tax specialists
*Banking products and services provided by Bank of America, N.A.

Corporate Retirement Benefit Plans

We understand the retirement and financial needs of your employees, as well as the responsibility those needs create for you as an employer. We offer solutions that business owners and employees may need to help pursue their financial goals and maintain financial wellness.

Plan Sponsors
Whether your benefits offering includes a Profit Sharing Plan, 401k Plan, Defined Benefit Plan or Cash Balance Plan, working with McCullough & Associates means working with people who are truly dedicated to your success.  Our approach is simple, transparent and supported by industry-leading investment guidance.  Our team will make your priorities their own so you can focus more on your business.

Your role as a Plan Sponsor is more challenging than ever, and it’s not something to face alone.  We bring the resources and thought leadership from Merrill, a Bank of America Corporation, to help you provide a strong, healthy and fully compliant program that runs smoothly, engages your employees and makes your job easier in ways that make sense for your company – strategically, operationally and financially.  We can help you focus on the areas that may be helpful to plan success, including Fiduciary Advisory Services1 and Education and Plan Services2 appropriate for your plan.

Fiduciary Plan Services1

  • Merrill Lynch accepts ERISA 3(21) Fiduciary responsibility3 for investment advice and recommendations made in the best interest of your plan Investment Policy Statement and investment menu design based upon your plan goals and participant needs4
  • Comprehensive due diligence processes to identify appropriate investment opportunities
  • Proactive delivery – online and by your advisor – of in-depth investment performance reporting every quarter
  • Fiduciary Advisory Services report providing plan metrics and demographics, fund analysis and market trends

Education and Plan Services2
Plan Design

  • Review of plan demographics to help keep plan on track with objectives
  • Review of plan features and services for potential enhancements
  • Coordination and implementation of new plan features and services
  • Engagement in annual plan compliance testing

Employee Education

  • Communications strategy development
  • Coordination and presentation of enrollment meetings and retirement planning seminars
  • General financial, retirement and investment information
  • Asset allocation education and interactive investment materials

Relationship Management

  • Annual plan meetings and service reviews
  • Participation in committee meetings
  • Access to though leadership and relevant industry news and trends

1 Fiduciary Advisory Services is an investment advisory service sponsored by Merrill. It will only be offered to defined contribution plans recordkept by Bank of America Merrill Lynch and plans recordkept by our Advisor Alliance providers. It is available for plans up to $500 million in plan assets. For more information on plan eligibility speak to your Merrill advisor.

2 Education and Plan Services are non-fiduciary services required for Advisor Alliance plans and optional for MLII plans.

3 The Merrill Fiduciary Advisory Services Client Agreement and the related fee schedule and the Merrill Fiduciary Advisory Services program Brochure and other disclosure documents include information about the program, including Merrill's fiduciary responsibilities pursuant to ERISA section 3(21).

4 Merrill and its representatives [or advisors] will provide investment advice or recommendations solely on a nondiscretionary basis with regard to qualified retirement plans. All discretionary and investment decisions concerning qualified plans, including which investments to offer under a qualified plan and approval of the IPS, are to be made solely by the plan sponsor. Please see the Merrill Fiduciary Advisory Services program Brochure for additional information.

Meet Our Team

Supported by the global resources of Merrill, our 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.

David Neale

David Neale

AI Regional Specialist

Merrill Lynch

Kimberly Lamb

Kimberly Lamb

Wealth Management Banking Specialist

Merrill Lynch

Richard Featherston

Richard Featherston

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #528964

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, we can help you create a financial strategy that reflects your personality. Only then can we 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.