The SIRICAMac Group



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

Todd Silaika

Barron’s Top 1,200 Financial Advisors in 2019

Forbes “Best-in-State Wealth Advisors”  in 2019.

Forbes’ “America’s Top 250 Wealth Advisors” in  2018, 2019

Barron’s 2018 “America’s Top 1,200 Financial Advisors: State-by-State”

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.

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



Todd was featured in Forbes' September 2018 edition, please click here to read more.

"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® ~
Managing Director
Wealth Management Advisor
Portfolio Manager

*Please see Todd Silaika's biography for award disclosure.

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 suitable 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."

~ Carmen A. Maciariello, CFP®, CRPC® ~

Senior Consultant

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 investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.
"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

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.