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  - The STS Group & Associates
    2125 Louisiana Blvd
    Suite 200
    Albuquerque, NM 87110
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    kathryn_thompson@ml.com
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Tune out the noise: Wealth planning for the year ahead

Hear from a panel of experts as they explore how rising interest rates, high inflation and increased volatility are impacting the economy, how family dynamics are changing estate planning and hear some actionable strategies for investors to consider in 2023.

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Tune out the noise: Wealth planning for the year ahead

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About Us
Recognition
Meet the Team
Financial Strategy
Staying on Track
Articles
Why Merrill Lynch
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The STS Group & Associates

Wealth Management

Phone

505.884.9851

Address

2125 Louisiana Blvd
Suite 200
Albuquerque, NM 87110

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Merrill Lynch
Wealth Management

Whatever your personal goals may be, we will work with you to develop a personalized financial approach designed to help you pursue what’s most important to you.

The STS Group & Associates

Welcome

The STS Group was founded with the mission "to use all of our talents and resources to make clients' lives more successful by providing an enjoyable and superior experience in defining and exceeding their financial goals." Every member of our entire team shares a common goal: to help clients pursue meaningful goals, such as planning for and funding their children’s educations, helping to ensure that their money lasts in retirement, planning for their potential health care costs and managing the transfer of wealth to the younger generation. Everything we do takes into account the clients’ personal perspectives and priorities.

We aim to help bring simplicity and transparency to the complexities of finance; making the intimidating task of planning for the future an exciting journey of managing and helping you reach your goals.

We measure success against your goals, not the market. We understand the latest trends, risks and potential opportunities, but when it comes to managing your wealth, the most important thing is understanding you and your priorities. It starts with a conversation, building a foundation that helps us get to know you — your unique goals, priorities and financial situation — followed by a disciplined financial strategy, offering access to the investment insights of Merrill and the banking convenience of Bank of America. As your life and the markets change, we will meet to track progress and adjust strategy, as needed.

Philosophy

Life is always changing and growing more complex. Your needs and priorities specific to your family, work, health and home are continuously evolving. And since your finances are so deeply connected with the rest of your life, an investment approach that is specific to your unique situations can be helpful. Even if you’re accustomed to managing your wealth on your own, you may find value in having a relationship with someone who understands your priorities and who has the knowledge and resources to help you make more informed decisions, no matter where in your life you are.

Approach

Working with us means working with advisors truly dedicated to your success. Our approach is simple, transparent and supported by thoughtful investment guidance.

We believe clients realize the full value of our relationship, including:

helping you make significant decisions
recognizing your life priorities and goals
understanding your investment personality
helping you prioritize and pursue goals
being transparent by making possibilities, fees and risks clear
taking steps to help you preserve income during a life challenge
educating the younger generation about investments and the markets

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 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.

Capabilities

Our years of experience through multiple market fluctuations have helped us understand that we can help you pursue your goals by being consistent in our approach. We’ll work with you to build a personalized investment approach that helps you pursue your goals – no matter the financial environment. We’ll take into account your objectives, time horizon and liquidity needs and, perhaps most important, your sensitivity to risk and investment personality.

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make 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, We 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.

Our Online Approach

Enjoy convenient, secure account access with MyMerrill®

We’re here to help you pursue your goals — and to make your busy life a little easier. With MyMerrill, you can access your investment accounts whenever and wherever you want.

Here are some links to help you understand how it works.

Your Digital Capabilities

Banking, Borrowing and Investing

To gain access or to learn more, please contact our team's Wealth Management Client Associate, Jordan Staveley, at jordan.g.staveley@ml.com or 505.884.9867!

Any information presented in connection with BofA 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 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 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.

Welcome
Our Philosophy
Our Approach
Capabilities
Our Focus Individuals and Families
Our Online Approach

Recognition

Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

Michael A Stevens

Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*

Barron's "Top 1,200 Financial Advisors: State-by-State" 2018 - 2023
Published annually in February - March. Rankings based on data as of September 30 of the prior year.

Forbes "Best-in-State Wealth Advisors" 2018 - 2023
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Kathryn Thompson

Barron's "Top 1,200 Financial Advisors: State-by-State" 2022 - 2023
Published annually in February - March. Rankings based on data as of September 30 of the prior year.

Forbes "Best-in-State Wealth Advisors" 2018 - 2023
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Working Mother/SHOOK Research's "Top Wealth Advisor Moms" 2018 - 2021
Published annually Sept - Oct. Rankings based on data as of Mar 31 of current year.

Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*

Vasilios Ninopoulos

Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*

Forbes "Best-in-State Wealth Advisors" 2023
Published on April 4, 2023. Rankings based on data as of June 30, 2022.

Forbes "Best-in-State Next-Generation Wealth Advisors 2022
Published on August 3, 2022. Rankings based on data as of March 31, 2022.

James (Jamie) E. Fletcher

Forbes "Best-in-State Wealth Advisors" 2018 - 2022
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Click here to learn more about advisor recognitions

Meet the 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.

Michael Stevens, founding partner of the STS Group & Associates, began his career with Merrill Lynch Wealth Management in 1994. Michael focuses on developing and implementing investment strategies tailored to meet clients’ unique goals. He received his Bachelor of Science Degree from the United States Military Academy at West Point and his Masters of Science in Business Administration degree from Boston University. Michael is a Managing Director, Wealth Management Advisor and has earned the Certified Private Wealth Advisor, CPWA®, Certified Portfolio Manager, CPM® and other professional designations. He has been nationally recognized by being named on the Barron’s “America’s Top 1200 Advisors” for several years, including 2022 (Published annually in Feb-March. Rankings based on data as of September 30 of prior year), as well as the Forbes’ “America’s Best-in-State Wealth Advisors” in 2018 - 2022* (Published annually Jan – April. Rankings based on data as of June 30 of prior year). Michael is involved with the Greek Orthodox Church in Albuquerque and serves as a director for the Albuquerque Economic Forum. Michael and his wife, Magda, have two daughters and enjoys traveling, hiking, and hot yoga.

Source: The Barron’s “Top 1,200 Financial Advisors: State-by-State” list, published annually in Feb-March. Rankings based on data as of
September 30 of prior year.

The Barron’s “Top 1,200 Financial Advisors” ranking considered advisors with a minimum of seven years financial services experience
and who have been employed at their current firm for at least one year. This is a list of the top advisors in each state, with the number
of ranking spots determined by each state’s population and wealth. Other quantitative and qualitative measures include assets under
management, revenues generated by advisors for their firms, and the quality of the advisors’ practices, regulatory records, internal
company documents, and 100-plus points of data provided by the advisors themselves. Rankings and recognition from Barron’s 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 of the advisor. Barron’s is a trademark of Dow Jones
& Company, Inc. All rights reserved.

Source: The Forbes “Best-in-State Wealth Advisors” list, published annually Jan - April. Rankings based on data as of June 30 of prior year.

Data provided by SHOOK® Research, LLC. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based
on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry
experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management
and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and
advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the
right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is
not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking.
For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.

Michael A Stevens, CPWA, CPFA, CPM, CRPC

Managing Director

Wealth Management Advisor

505.884.9886

Katie Thompson serves as a managing partner of the STS Group & Associates and began her career as a financial advisor in 2006. Katie focuses on spending time with clients to deliver wealth management planning strategies and goals based investment advice. Katie is a Senior Vice President, Wealth Management Advisor and has earned the Chartered Retirement Planning Counselor℠ designation and the CERTIFIED FINANCIAL PLANNER™, CFP® certification.* She has been honored by being named to the Forbes/SHOOK "Best-in-State Next-Generation Wealth Advisors" list in 2019 (Published on September 4, 2019. Rankings based on data as of March 31, 2019), the national Forbes/Shook "Top Next-Generation Wealth Advisors" list in 2020 (Published on July 22, 2020. Rankings based on data as of March 31, 2020), the Forbes “America’s Best-in-State Wealth Advisors” list in 2018 - 2022 (Published annually Jan – April. Rankings based on data as of June 30
of prior year), the Forbes "America's Top Women Wealth Advisors" list in 2020 and 2021 (Published annually Feb – April. Rankings based on data as of June 30 –
September 30 of prior year), and to Working Mother/SHOOK Research’s "Top Wealth Advisor Moms" list in 2018 - 2021 (Published annually Sept – Oct. Rankings based on data as of Mar 31 of current year)*. Katie was also named to Barron's "Top 1,200 Financial Advisors" in 2022 (Published on March 11, 2022. Rankings based on data as of September 30, 2021).

Katie grew up in Albuquerque, New Mexico and attended the University of New Mexico. She and her husband, Andy, have two young children, Zachary and Gwynn. Katie is on the board of directors for a local non-profit, the National Dance Institute of New Mexico (NDI), which is a perfect fit for her as she is passionate about both dance and positively impacting the future of children in the community.

Source: The Barron’s “Top 1,200 Financial Advisors: State-by-State” list, published on March 11, 2022. Rankings based on data as of
September 30, 2021.*

The Barron’s “Top 1,200 Financial Advisors” ranking considered advisors with a minimum of seven years financial services experience
and who have been employed at their current firm for at least one year. This is a list of the top advisors in each state, with the number
of ranking spots determined by each state’s population and wealth. Other quantitative and qualitative measures include assets under
management, revenues generated by advisors for their firms, and the quality of the advisors’ practices, regulatory records, internal
company documents, and 100-plus points of data provided by the advisors themselves. Rankings and recognition from Barron’s 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 of the advisor. Barron’s is a trademark of Dow Jones
& Company, Inc. All rights reserved.

Source: The Forbes “Best-in-State Wealth Advisors” list, published annually Jan - April. Rankings based on data as of June 30 of prior year.

Data provided by SHOOK® Research, LLC. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based*
on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry
experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management
and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and
advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the
right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is
not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking.
For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.

Source: The Forbes “Top Next-Generation Wealth Advisors” list, published on July 22, 2020. Rankings based on data as of March 31, 2020.

Data provided by SHOOK™ Research, LLC. SHOOK considered advisors born in 1981 or later with a minimum of four years as an advisor.*
Advisors have: built their own practices and lead their teams; joined teams and are viewed as future leadership; or a combination of
both. The ranking algorithm is based on qualitative measures: telephone and in-person interviews, client retention, industry experience,
credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue
generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors
rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research, LLC and not indicative of future
performance or representative of any one client’s experience. Rankings and recognition from Forbes 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 of the advisor. Neither Forbes nor SHOOK Research receives compensation in
exchange for placement on the ranking. Forbes is a trademark of Forbes Media LLC. All rights reserved.

Source: The Forbes “Best-in-State Next-Generation Wealth Advisors” list, published on September 4, 2019. Rankings based on data as of
March 31, 2019.*

Forbes “Best-in-State Next-Generation Wealth Advisors” list was developed by SHOOK Research. Advisors considered for this ranking
were born in 1980 or later with a minimum 4 years relevant experience; advisors have: built their own practices and lead their teams;
joined teams and are viewed as future leadership; or a combination of both. Ranking algorithm is based on qualitative measures:
telephone and in-person interviews, client retention, industry experience, credentials, review of compliance records, firm nominations;
and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a
criteria because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based
on the opinions of SHOOK Research, LLC and not representative nor indicative of any one client’s experience, future performance, or
investment outcome. Neither Forbes nor SHOOK Research receives compensation in exchange for placement on the ranking. Forbes
is a trademark of Forbes Media LLC. All rights reserved. Rankings and recognition from Forbes 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 of the advisor.

Source: The Forbes “America’s Top Women Wealth Advisors” list, published annually Feb - April. Rankings based on data as of
June 30 - September 30 of prior year.*

Data provided by SHOOK® Research, LLC. Forbes.com America’s Top Women Advisors ranking was developed by SHOOK Research
and is based on in-person, virtual and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a
ranking algorithm that includes: client impact, industry experience, review of best practices and compliance records, firm nominations;
and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a
criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and
rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or
representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research
receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is
a registered trademark of SHOOK Research, LLC.

Source: Working Mother/SHOOK Research’s “Top Wealth Advisor Moms” list, published annually Sept - Oct. Rankings based on data as
of Mar 31 of current year.*

Data provided by SHOOK® Research, LLC. SHOOK Research considered women advisors with children living at home under 21 years
of age. The ranking algorithm is based on qualitative measures derived from telephone and in-person interviews and surveys: service
models, investing process, client retention, industry experience, review of compliance records, firm nominations, etc.; and quantitative
criteria, such as assets under management and revenue generated for their firms. Investment performance is not a criterion because
client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions
of SHOOK Research, LLC and not indicative of future performance or representative of any one client’s experience. Rankings and
recognition from Working Mother/SHOOK Research 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 of
the advisor. Neither SHOOK nor Working Mother receives compensation from the advisors or their firms in exchange for placement on a
ranking. SHOOK Research is a trademark of SHOOK Research, LLC. All rights reserved.

Kathryn Thompson, CFP, CRPC

Managing Director

Wealth Management Advisor

505.884.9851

Jamie Fletcher is a partner of the STS Group & Associates at Merrill. With 37 years of experience at Merrill, Jamie provides a wide array of financial and investment services for individuals, business owners, foundations, and not-for-profit associations. Jamie is proud to have recently been recognized on the Forbes “Best-in-State Wealth Advisors” list for 2018-2022 (Published annually Jan – April. Rankings based on data as of June 30 of prior year).* He holds the professional designation of CPWA®, Certified Private Wealth Advisor®, a designation awarded by the Investments and Wealth Institute™ (The Institute). He also holds the designation of CRPC®, Chartered Retirement Planning Counselor, a designation, awarded by The College for Financial Planning.

Jamie earned his Master’s Degree at the Florida Institute of Technology and is a 1976 graduate of the United States Military Academy. Jamie served his country as a Brigadier General in the New Mexico National Guard, before retiring from the service in 2005 to focus on financial advising. Active in his community, he is a Past-President and former Board member of the Amador Hotel Foundation, and always likes to support the NMSU Aggies. He is currently a member of both Mesilla Valley Rotary Club and Las Cruces Chamber of Commerce. In his free time, Jamie enjoys skiing, fly fishing, and spending time with his wife Lee.

*Source: The Forbes “Best-in-State Wealth Advisors” list, published annually Jan - April. Rankings based on data as of June 30 of prior year.

Data provided by SHOOK® Research, LLC. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based
on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry
experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management
and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and
advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the
right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is
not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking.
For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.

James (Jamie) E. Fletcher, CPFA, CPWA, CRPC

Senior Vice President

Senior Consultant

575.521.5112

Billy Ninopoulos is a Wealth Management Advisor with the STS Group & Associates. He began his career in the financial industry in 2012 and joined Merrill Lynch Wealth Management in 2015. Billy focuses on client relationship management as well as business development. He works closely with the managing partners and is committed to delivering exceptional client service, wealth management planning, and investment management. Billy has earned the CERTIFIED FINANCIAL PLANNER™, CFP® certification. He has also been honored by being named to the Forbes/SHOOK "Best-in-State Top Next-Generation Wealth Advisors" list in 2022 (Published on August 3, 2022. Rankings based on data as of March 31, 2022). Billy and his wife, Niki, have three children, Theo, Niko and Mariasimina and they are involved with the Greek Orthodox Church in Albuquerque. Billy is from Toronto, Canada and is a passionate Toronto Maple Leafs fan.

*Source: The Forbes “Best-in-State Next-Generation Wealth Advisors” list, published on August 3, 2022. Rankings based on data as of March 31, 2022.

Data provided by SHOOK® Research, LLC. Forbes “Best-in-State Next Generation Wealth Advisors” ranking. SHOOK considered advisors
born in 1983 or later with a minimum 4 years as an advisor. Advisors have: built their own practices and lead their teams; joined teams and
are viewed as future leadership; or a combination of both. Ranking algorithm is based on qualitative measures: telephone and in-person
interviews to measure best practices, client retention, industry experience, credentials, review of compliance records, firm nominations;
and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a
criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on
the opinions of Forbes and not representative nor indicative of any one client’s experience, future performance, or investment outcome
and should not be construed as an endorsement of the advisor. SHOOK’s research and rankings provide opinions intended to help investors
choose the right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past
performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement
on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.

Vasilios Ninopoulos, C(k)P, CPFA, CFP

Senior Vice President

Wealth Management Advisor

505.884.9857

Ryan Deutsch, CFA, CRPC

Financial Advisor

575.521.5137

Carson Roland, CRPC

Assistant Vice President

Investment Management Specialist

505.884.9810

Michael A Kozemchak, CRPC

Relationship Manager

505.884.9897

Joshua Hagen

Financial Advisor

505.982.6525

Jeannette H Smith

Registered Wealth Management Client Associate

505.884.9829

Meggan S Gentile

Registered Senior Wealth Management Client Associate

505.982.6545

Jordan Gary Staveley

Registered Wealth Management Client Associate

505.884.9867

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.

Haylee Waller

Wealth Management Banking Specialist

Merrill

Joe L. Pierce

Credit Consultant

Bank of America, N.A.

NMLS #1054311

Create a plan that is all about you.

Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.

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Staying on Track

We understand that both your life and the financial markets can change over time. By 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.

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.

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.

Transcript of Video

#DigitalMerrill

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

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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.

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No question too big or moment too small

For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

The STS Group & Associates

CALL

EMAIL

Tune out the noise: Wealth planning for the year ahead

Tune out the noise: Wealth planning for the year ahead

The STS Group & Associates

Phone

Address

Merrill Lynch Wealth Management

The STS Group & Associates

Welcome

Philosophy

Approach

Your approach to investing

Understanding your goals and priorities

Capabilities

Focus On Individuals, Families and Small Businesses

Our Online Approach

Recognition

Michael A Stevens

Kathryn Thompson

Vasilios Ninopoulos

James (Jamie) E. Fletcher

Meet the Team

Michael A Stevens, CPWA, CPFA, CPM, CRPC

Kathryn Thompson, CFP, CRPC

James (Jamie) E. Fletcher, CPFA, CPWA, CRPC

Vasilios Ninopoulos, C(k)P, CPFA, CFP

Ryan Deutsch, CFA, CRPC

Carson Roland, CRPC

*Banking Services are through Bank of America, N.A.

Michael A Kozemchak, CRPC

Joshua Hagen

Jeannette H Smith

Meggan S Gentile

*Banking Services are through Bank of America, N.A.

Jordan Gary Staveley

Additional Resources

Haylee Waller

Joe L. Pierce

Create a plan that is all about you.

Staying on Track

Reviews to help you stay on track

Changes in your lifeand to your goals

#DigitalMerrill

Let’s Have a Conversation

Articles

Market Briefs

Compare and contrast: 4 key ways to save for college

Because it’s never too early to start saving — a Roth IRA for teens

Why Merrill?

Personalized advice from a dedicated financial advisor.

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

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

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stay on track

Changes in your life
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