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The LMT Wealth Management Group

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Recognition

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

Karl Lindekugel

Barron’s 2017 “America’s Top 1,200 Financial Advisors: State-by-State”

Forbes “Best-in-State Wealth Advisors”  2019

Ken Lackner

Forbes “Best-in-State Wealth Advisors”  2018 & 2019

Gary E Miller

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.

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.

David Work

David Work

Trust Specialist

Bank of America, N.A.

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Jeff Hall

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #621149

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

Addressing the Complex Financial Needs of Individual and Institutional Clients

Since 1992, The LMT Wealth Management Group has been developing customized wealth management strategies and recommending investment portfolios for affluent individuals and families, as well as institutional clients. In fact, one member of our team, Karl Lindekugel III, is among a select number of Merrill advisors who hold the Bank of America Global Institutional Consultant title. Within this space, we can focus on working with endowments, foundations, nonprofits and defined-benefit plans.

Our team brings extensive experience, diverse capabilities and advanced professional credentials to serving individual and institutional clients. We understand wealth and the challenges it entails. Our goal is to help reduce the complexity of your finances so you can spend time doing what you enjoy most.

Dialogue is up-front and consistent. Our ongoing relationships with clients give us the opportunity to get to know you and what's important to you and your family. We review your overall objectives, taking the time to listen and understand where you want to be financially 5, 10, even 20 years from now. We are proud to conduct our business based on the Merrill principles of client focus, respect for the individual, teamwork, responsible citizenship and integrity.


*Global Institutional Consulting is part of the Global Wealth & Investment Management business of BofA Corp. Institutional Investments & Philanthropic Solutions (“II&PS”) is part of Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of BofA Corp. Trust and fiduciary services and other banking products are provided by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A. Global Institutional Consultants mentioned herein are registered representatives with Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) and may assist you with investment products and services. The nature and degree of advice and assistance provided, the fees charged, and clients’ rights and Merrill’s obligations will differ depending upon the products and services actually provided. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC. Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a registered broker-dealer and investment adviser and Member SIPC.

 

Strategies Suited to Your Situation

Wealth management is an ongoing process. It begins with a conversation to discuss your goals and gain a clear understanding of your needs. Staying focused on your situation and financial objectives throughout our relationship enables us to help you create a wealth management strategy that makes sense. Based on your financial goals, we will propose investment strategies suited to your situation.

We are with you every step of the way and proactively stay in touch with you to periodically review your financial strategy, give you market updates and find out what's changed in your life since we last spoke. That allows us to build upon your initial strategy and suggest ways to rebalance your portfolio as necessary. We want to help you understand when and where your money is coming from, where it is going and how to keep it working for you.

We take the time to develop relationships with the members of your family. Our goal is for them to have the continuity of a trusted resource they can turn to for advice and guidance about wealth management.

Dedication, Experience and Education

Our team members have combined experience with Merrill and Bank of America of more than 100 years. In addition, we hold a number of professional credentials, which we believe helps us gain a broad perspective on the wealth management needs of both individuals and institutions.

Coming from various financial disciplines, each member of The LMT Wealth Management Group contributes knowledge, individual strengths and talents, so we can look at a situation from various angles and viewpoints. Although typically you will have a primary contact on our team, we work together and combine our experience to offer you financial advice and guidance.

As a Bank of America Global Institutional Consultant, Karl has an understanding of the institutional markets and the complex needs of institutions. He can apply elements of this high-level experience in his work for the individual investor through advice and guidance on wealth management challenges, such as developing portfolio strategies and philanthropic giving strategies.

Our relationship managers and Client Associates are committed to offering attentive, high-value-added service. Striving to provide the highest degree of personalized attention, they support the team in all phases of client relationship management.


*Global Institutional Consulting is part of the Global Wealth & Investment Management business of BofA Corp. Institutional Investments & Philanthropic Solutions (“II&PS”) is part of Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of BofA Corp. Trust and fiduciary services and other banking products are provided by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A. Global Institutional Consultants mentioned herein are registered representatives with Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) and may assist you with investment products and services. The nature and degree of advice and assistance provided, the fees charged, and clients’ rights and Merrill’s obligations will differ depending upon the products and services actually provided. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC. Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a registered broker-dealer and investment adviser and Member SIPC.
 

Serving Individuals and Institutions

Today's increased life expectancies mean that your assets will have to last longer than those of previous generations of retirees. We can help you devise strategies designed to preserve your wealth throughout your retirement and maintain it for your heirs.

Your family's financial future may depend not only on how you manage your wealth today but also on how it is managed, enhanced and preserved in the future. A well-coordinated wealth transfer strategy may help you preserve what you have achieved and see that your personal wishes are fulfilled.

For families with philanthropic desires, we help coordinate trusts, family foundations and gifting strategies with your other advisors, such as your estate attorney and tax professional. When appropriate, we can offer access to other specialists within Merrill.

While we work actively with individual clients, our team also has a depth of experience helping institutional clients prepare strategies designed to address a different set of challenges. As a Bank of America Global Institutional Consultant, Karl can provide institutional clients with access to a broad spectrum of capabilities, including investment consulting and philanthropic and nonprofit management, as well as retirement and benefit planning services. He can also help these clients create or revise distribution policies and develop fund-raising strategies. In addition, he can provide guidance and support for fiduciary oversight and governance. The strategies he recommends are designed to help institutions move toward their financial objectives responsibly and efficiently, while paying attention to detail and carefully managing their risk.


*Global Institutional Consulting is part of the Global Wealth & Investment Management business of BofA Corp. Institutional Investments & Philanthropic Solutions (“II&PS”) is part of Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of BofA Corp. Trust and fiduciary services and other banking products are provided by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A. Global Institutional Consultants mentioned herein are registered representatives with Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) and may assist you with investment products and services. The nature and degree of advice and assistance provided, the fees charged, and clients’ rights and Merrill’s obligations will differ depending upon the products and services actually provided. Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., Member FDIC. Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”), a registered broker-dealer and investment adviser and Member SIPC.

Your Financial Approach

We offer you access to the investing insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking convenience of 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.

FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Planning Services4
  • Education Funding1
  • Insurance3
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds4
  • Private Foundations4
  • Charitable Trusts4
FINANCE
Using your finances to bring it all together
  • Merrill 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

1 Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Banking, mortgage and home equity products offered by Bank of America, N.A.
3 Insurance and annuity products offered through Merrill Lynch Life Agency Inc.
4 Trust and fiduciary services are provided by Bank of America Private Bank.

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 approach, 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 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.


    Monitoring 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.

    Wealth Management Your Way

    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.


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      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.

      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.