Taking care of your family and other people in your life
- Trust & Estate Services2
- Education Funding Strategies1
Merrill is proud of our advisors who’ve received recognition from industry publications. We believe they are setting the standard for exemplary client service.
Financial Times –“Top 401 Retirement Plan Advisers” 2018 and 2019
The O'Toole Group is one of a few Designated Retirement Planning Advisory Teams in the Region who brings its rich experience and strong credentials to many well-known companies and growing organizations. The Group also serves affluent individuals in 20 states whose complex financial needs require seasoned insights and customized strategies. "We work closely with people who do not have the time, discipline or inclination to manage their investments. We want clients to focus on what's driving their financial engines," says Mike.
As a Retirement Benefits Consultant, Mike is among an elite group of advisors at Merrill Lynch Wealth Management who've also earned the prestigious Certified 401(k) Professional designation through The Retirement Advisor University in collaboration with UCLA's Anderson school of Management Executive Education. A graduate of West Point with a Bachelor's of Science degree, Mike began his career at Merrill in Albany in 1993 after completing his military commitment. In 2001, Mike led the Pittsfield, Massachusetts Merrill office as the Resident Manager coming back to the Capital District in 2005. Mike is a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third party investment strategies. When servicing clients through the firm's Investment Advisory Program, a Portfolio Manager may manage his strategies on a discretionary basis.
Mike also has achieved the Certified Investment Management Analyst designation through the Investments & Wealth Institute™, in conjunction withthe Wharton School of Business. Mike has attended investment courses at the Booth School of Business at the University of Chicago, and Stanford University's Graduate School of Business-Foundations of Investment Management Course.
Mike has served on a number of boards in the Capital Region, is a volunteer Varsity Football Coach at Shenendehowa High School and sits on the U.S. Military Academies selection committee for our local U.S. Congressman. Mike and his wife Anja live in Clifton Park with their two boys.
Stanford GSB - Foundations of Investment Management
UCLA Anderson School of Management - Retirement Education Planning
United States Military Academy
University of Pennsylvania, The Wharton School - Certified Investment Management Analyst program
Unversity of Chicago, Booth School of Business - Behavioral Finance & Efficient Market Theory
Our experts examine the forces that are changing the world – and how they may impact your life
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.
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.
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ISG Portfolio Strategist
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.
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.
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.
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.
Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.
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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
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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.
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.
Getting to know you is our primary goal.
Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.
We will work to help you stay on track, regardless of what the markets are doing.