The SiRiCa Wealth Management Group

"These days, clients are redefining 'retirement.' Often, it means a second career and new challenges--anything but sitting still. The SiRiCa 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.

_{*Source: The Forbes "America's Top Wealth Management Teams High Net Worth" list, published on November 8, 2022. Rankings based on data as of March 31, 2022.}

_{Data provided by SHOOK® Research, LLC. Forbes "America's Top Wealth Management Teams High Net Worth" ranking was developed by SHOOK Research and is based on in-person, virtual and telephone due diligence meetings and a ranking algorithm that includes: a measure of each team's best practices, client retention, industry experience, review of 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. 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. 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. SHOOK's research and rankings provide opinions intended to help investors choose the right financial advisor and team, 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. SHOOK is a registered trademark of SHOOK Research, LLC.}

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

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

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 PresidentSenior Financial Advisor

Portfolio Manager

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

Bringing fresh perspectives to your financial life

The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.

Helping you create a personalized plan

At Merrill, we go beyond the traditional role of an advisor.

• Your goals, concerns and attitude about investing are the foundation of your plan.
• We actively listen and provide personalized advice — ensuring we understand what matters most to you and your family.
• We're committed to creating a personalized plan that evolves with you to help you live well today while preparing for the future.

Giving you access to our teams and solutions

Your advisor is one part of an experienced team dedicated to helping you achieve your goals. Acting as your single point of contact, your advisor provides personalized strategies and connects you with:

• Bank of America specialists, such as mortgage or trust professionals
• Timely insights from BofA Global Research1 to help you stay informed and navigate ever-changing markets
• A full suite of Merrill investing and Bank of America banking solutions

¹_{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 Corp.").}