PROFESSIONAL PROFILE

The O'Toole, Lilley, Gross Group

We have provided financial advice and wealth management services for more than 80 years, combined. We have two CFP® certificants, a designation awarded by the Certified Financial Planner Board of Standards, Inc. and two PIA Portfolio Managers. We advise 170 Affluent Family and Corporate Clients with assets of over $250 Million in The Capital Region and Nationally. We have extensive experience assisting the Firm's high-net-worth clients with wealth transfer, business services, retirement and estate planning issues, private money management, and concentrated stock strategies. Our clients comprise affluent families, corporate executives and successful business owners who value the total wealth management approach we bring to the relationship. Our average client relationship is more than $1 million. We are accepting new clients with a minimum of $250,000 in combined personal or business-related assets.

John W. O'Toole Jr., PIA, Vice President, Senior Financial Advisor
Jack has been with Merrill Lynch & Co. since 1975. He is a portfolio manager in the PIA program for Merrill Lynch. He also advises corporate clients with retirement planning and cash management. He has served on a number of boards and associate boards in the Capital Region and was Chairman of the Capital Region Sports Foundation. Jack lives with his family in Clifton Park, New York. He enjoys traveling, golf, and is actively involved with promoting youth of the Capital Region through sports.

Robert B. Lilley, Jr., CFP®, PIA, Assistant Vice President, Wealth Management Advisor
A Graduate from LaSalle University, Bob joined Merrill Lynch in 1996. He is a Certified Financial Planner® Practitioner. Bob is a Portfolio Manager in the PIA Program within Merrill Lynch. He specializes in implementing modern portfolio theory and is the estate planning specialist for the practice. Bob is in charge of retirement income optimization and manages the asset allocation models for OLG Group. Bob lives in Delmar, NY with his wife, Maura and three children.

Joseph A. Gross, CFP®, Financial Advisor
Joe has over 8 years experience in the financial services industry. He is a Certified Financial Planner® Practitioner. Joe is a native of Troy, N.Y. and a graduate of Siena College, with a B.S. degree in Finance. Joe joined Merrill Lynch in 2002 after working for an independent financial planning office in Clifton Park, N.Y. His primary areas of focus are retirement and wealth management planning strategies for individuals and small business owners. Joe is responsible for development and implementation of the team's marketing plan.

Paula Baldwin, Senior Associate
Paula has been a valued Merrill Lynch employee since 1968. In addition to being Series 7 registered, her duties include transferring of assets, new acccount processing, and researching client service issues. Paula also helps in the construction of portfolio reviews and introduction of new service upgrades to our client base. Paula lives in Guilderland with her husband Jim.