PROFESSIONAL PROFILE

Brett Howell, CFP®, CRPC®, CFM and Vice President
Brett has been with Merrill Lynch for more than nine years with over eleven years of industry experience. His focus is in the area of qualified and non-qualified retirement plans for corporations and non-profit organizations. The consulting services Brett provides include: the selection of providers, plan monitoring, fiduciary compliance, and investment selection and employee education.

Brett is an active member of the American Society of Pension Professionals & Actuaries (ASPPA) and the Profit Sharing Council of America (PSCA). Brett is an active member of the Financial Planning Association (FPA) and participates in the local Grand Rapids chapter of the Association of Human Resource Managers (AHRM). Brett is a graduate of Michigan State University where he received his BA in Business Marketing.

Craig Sharp, CFP®, CFM and Vice President
Craig has been with Merrill Lynch for more than nine years. He specializes in wealth management planning for high net worth individuals. In the retirement plan arena, Craig focuses on educating participants on retirement forecasting and detailed investment planning. He also offers consulting services to non-profit endowments and foundations.
Craig is an active member of the Financial Planning Association (FPA) and participates in the local Grand Rapids chapter of the Association of Human Resource Managers (AHRM). Prior to joining Merrill Lynch, Craig taught economics for five years. He has a BA degree from Hope College and two Masters Degrees from the University of Michigan.

Joel Barrett, CRPC®, Financial Advisor

Joel is a financial advisor and a Chartered Retirement Plan Counselor^SM
with a focus on managing risk as individuals transfer into retirement. In the retirement plan arena, Joel focuses on educating participants on the risks of longevity and market volatility in relation to their retirement portfolio. He also specializes in financial planning for institutions and non-profit foundations.

Joel is an active member of Big Brothers/ Big Sisters. Joel has been in the industry for more than five years. Before joining Merrill Lynch he worked at the Gerald R Ford Museum in Grand Rapids. He is a graduate of Grand Valley State University.

Steven Jones, Financial Advisor

Steve is a Financial Advisor with a focus on estate and retirement planning for corporate and individual clients. Steve has been with Merrill Lynch since 2005. Prior to joining Merrill Lynch, Steve worked at a bank as a trust officer. His primary role was to act as a fiduciary, administering trusts & estates.
Steve is a member of the Michigan Bar Association, the Probate and Estate Planning Section, the Grand Rapids Bar Association and the Western Michigan Estate Planning Council. He has a BA degree from Olivet College and JD degree from the University of Detroit Mercy. Steve does not practice law in his capacity as a Financial Advisor.

Jim Harding, Investment Advisor
Jim joined Merrill Lynch in 2006 and has been in the financial services industry since 1998. He works closely with the needs of pre-retirees and retirees. He also works closely with several non-profit companies with detailed investment planning.
Jim is a member of the Lions Club and spends time coaching his twin boys in soccer, baseball, basketball and wrestling. Prior to working in the Financial Services Industry Jim worked in the Office Furniture Industry for 18 years and has a BS degree in Business Marketing from Ferris State University.

Jacki Keenan, Client Associate
Jacki is the Client Associate for the Howell Sharp Group at Merrill Lynch. She received an Associates Degree from Grand Rapids Community College, and was then hired by Merrill Lynch in 1991. She is married and a proud mother of two daughters. Due to Jacki's great commitment to excellence in client services, she is one of the few recipients of the Essential Partner Service Award.