PROFESSIONAL PROFILE

M'Recia Elfervig- joined Merrill Lynch in 1982. She is a First Vice President with Merrill Lynch. She offers more than 26 years in the wealth management and services area. M'Recia has developed a strong consultative program designed to support, benefit and assist high net-worth individuals, trusts, corporations, and qualified and non-qualified retirement plans. M'Recia holds a Master's Degree and post graduate certificates. She has earned the professional designation of ARPC (Accredited Retirement Planning Consultant). The out-of-doors holds an allure for M'Recia as her favorite times away from the office revolve around riding horses in the mountains, snow skiing, water-skiing, and golf.

Stephan Micklos,CFP® - joined Merrill Lynch in 1998. Stephan specializes in providing customized solutions to businesses and high net worth individuals/families. He is highly skilled in developing financial solutions for these groups with proficiency in concentrated stock management and strategic/alternative investment classes. Stephan has been involved in numerous transactions regarding the purchase/sale of private companies. Stephan is a portfolio manager in the Personal Invesment Advisor program. He holds a BS in Finance from the University of Utah and is a Certified Financial Planner™ certificant,

a designation awarded by the Certified Financial Planner Board of Standards, Inc.

Rich Zito, Jr. - joined Merrill Lynch in 2003. He earned a M.B.A. from The Wharton School at the University of Pennsylvania in 1990 and a B.S. in Economics with honors from the University of Utah in 1984. He is also a Certified Financial Manager. Over the last twenty years, Rich has held various management positions in the business world, with companies such as Deloitte & Touche and Pepsi Co. Rich specializes in developing and executing long-term wealth management strategies for affluent individuals and families as well as small businesses. He holds licenses with the SEC and Life Insurance Associations and retains series 7, 66 and 31 licenses. Rich is passionate about the outdoors, and has traveled across 5 continents whitewater rafting, mountain climbing, SCUBA diving, and skiing.

Nicole Fernandez-Seoane - earned her B.S. in Math/Computer Science from Vassar College in 1991 and joined Merrill Lynch in 2006. Nicole comes to us with significant financial experience including municipal bond structuring in the USA, currency risk management, commodity trading and international treasury operations in Europe. Nicole retains her series 7 and 66 licenses. A Utah native, she spent the last 14 years in London, Paris and Madrid. Nicole speaks French and Spanish and she enjoys the symphony, opera, ballet, traveling, tennis, and playing with her two children.

Kayte Christensen - received her B.S. degree in finance and economics from Utah State University; she completed her Master's in business administration from the University of Phoenix. She has extensive experience in the financial services industry. Kayte joined Merrill Lynch in 2000 as a Resident Director's assistant and subsequently affiliated with our team. Kayte manages the team's administrative processes including coordination of research projects, supervising client service directives and synchronizing team efficiencies and productivity. She enjoys water-skiing, camping, SCUBA diving and reading.

Kim Jonkhart - joined Merrill Lynch 12 years ago as a Registered Client Associate. Prior to coming to the firm, Kim lived in the Netherlands where she studied Dutch at the University of Amsterdam and received her B.A. in management from Webster University in Leiden, Holland. When not carpooling kids to swimteam practice, she enjoys cooking, SCUBA and travel.

Julie Ewell - Julie has been serving Merrill Lynch clients for over 20 years. She knows each operational and administrative component of our complex business. In addition to her experience as a client associate, Julie has served as a cashier and worked in our wire room. Julie enjoys camping, reading, ATV expeditions in our mountains, and spending time with her husband.