Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

Watch now

Outlook 2023: Back to the (new) future

Outlook 2023: Back to the (new) future

Watch experts discuss inflation, interest rates, the markets – and the possibility of a more promising market environment.

Watch now

Merrill Lynch

The SiRiCa Wealth Management Group

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Merrill Lynch
Wealth Management

We work collaboratively to help clients prepare for, and transition to, retirement. We strive to give you the highest level of responsive, attentive service. The guiding principle we embrace is that clients come first.


"These days, clients are redefining 'retirement.' Often, it means a second career and new challenges--anything but sitting still. The SIRICAMac Group can help you use your wealth to support new endeavors."

~ Todd Silaika, CFP®, CPWA® CAIA
Managing Director
Wealth Management Advisor
Portfolio Manager

*Please see Todd Silaika's biography for award disclosure. Barron's published on March 12, 2018. Rankings based on data as of September 30, 2017. Forbes' published on September 12, 2018. Rankings based on data as of June 30, 2018.

Smooth Transition to Retirement

Retirement wealth strategies are our professional focus; they are our core business. Our team has been immersed in retirement planning for individuals, couples and families for decades. Our understanding of corporate benefit plans and retirement income tax laws allows us to help clients develop a smooth, practical transition to retirement.

"The root of conflict is failed expectations. Strong communication and setting proper expectations are two keys to building strong relationships."  

~ Scott Calhoun, CRPC® ~
Senior Vice President
Senior Financial Advisor
Portfolio Manager

Managing Your Wealth

Clients in the early stages of retirement typically ask the same very important question: How do I generate reliable income and how do I make it last? We help you answer that question by creating with you an appropriate strategic allocation of your investment assets, combined with the selection of appropriate investments.

"We'll help you answer the key pre-retirement questions about income streams in retirement, spending and lifestyle, tax minimization strategies and wealth transfer."

~ James E. Coker, CFP®, CIMA® ~

Wealth Management Advisor

Careful Management for Cash Flow

We employ a risk-based investment philosophy focusing on cash flow over growth, which may occur naturally over time. We do not design portfolios to seek unsustainable, high rates of return. Rather, we manage assets with the intent to generate cash flow.

We form portfolios by seeking steady, reliable cash flow. The building blocks of portfolios we oversee include fixed-income securities and bond "ladders" (which stagger the maturities of bond holdings) when appropriate. Stocks and alternative investments* are also used, when appropriate, to complement bonds.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

"When it comes to portfolios, there's only one 'trend' that concerns this team: sustainable cash flow. That is more important to us and, we believe, to clients than chasing indexes or markets."

~ Erick Richardson, CRPC® ~

Senior Vice President
Senior Financial Advisor
Portfolio Manager

Accessing the Depth and Breadth of the Company

The investing resources of Merrill Lynch Wealth Management and the banking convenience of Bank of America allow us to offer clients an expanded platform of products and services. Access to Merrill's advanced technology provides clients with timely information and detailed reports.

You will be a client of a company that is exceptional in its size, scope and services. Our resources can offer you all the insight that comes with being connected with one of the world's largest wealth managers.

"We have relationships with specialists across Merrill Lynch Wealth Management that can help support your specific, individual needs. In this way, the capabilities of such a large organization can fit right into the work that our small, close-knit team does with you."

~ Lee Wilson, CRPC® ~
Financial Advisor

Our Videos

Insights, observations, and ideas to help you in your pursuit of your financial goals.

Important Video Disclosures

Take charge of your financial future with a plan that is all about you.


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.

Todd Silaika

Erick L Richardson

Our Group

Supported by the global resources of Merrill, our group 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.

Russell Du Pont

Wealth Management Banking Specialist


Timothy Thomas

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #480782

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.


    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.

      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.

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      Transcript of Video 

      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.

      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.