Patrick Reid

Amber O'Brien is a Wealth Management Advisor with Merrill Lynch Wealth Management. She focuses on helping clients define their financial goals and develop personalized wealth management strategies that address individual priorities, risk tolerance, time horizons, and liquidity needs. Amber works with both individual and corporate clients on investment strategies, tax minimization, and retirement income planning. Amber holds a Bachelor's Degree from Illinois State University and maintains several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is a member of professional organizations such as Illinois State University Alumni and Iowa Women Lead Change. Beyond her professional work, Amber is involved in community organizations including ESRA (English Springer Rescue America), Riverbend Food Bank, and Rotary. Her personal interests include biking, boating, camping, cooking, gardening, golfing, hiking, music, swimming, and tennis.

Cindy Arter is a Wealth Management Advisor and Vice President with Merrill Lynch Wealth Management, based in the Davenport, Iowa office since 1998. She provides personalized wealth management strategies tailored to each client’s unique financial goals and changing market conditions. Cindy’s expertise encompasses a wide range of financial services, including executive stock option analysis, 10b5-1 plans, retirement and education planning, estate planning, portfolio development, and tax minimization. Her client focus areas include corporate executive services, family wealth management, investment consulting for defined contribution plans, personal retirement planning, and portfolio management. Cindy holds a Bachelor’s degree in Finance from the University of Missouri and multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She has built enduring client relationships by working one-on-one to develop financial strategies aimed at helping clients pursue their long-term goals. Residing in Bettendorf, Iowa, Cindy has two grown children and six grandchildren. Outside of her professional work, she enjoys cooking, gardening, traveling, and spending time with her family.

Teresa Hanser is a Senior Financial Advisor with Merrill Lynch Wealth Management. She collaborates closely with clients to develop personalized financial strategies that align with their long-term goals. Teresa's approach incorporates insights from Merrill alongside banking and lending solutions from Bank of America to address evolving market conditions and client needs. Her areas of expertise include college education planning, family wealth management strategies, legacy planning, retirement income, and socially responsible investing. Teresa holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a Bachelor of Science degree in Business Finance and Economics from Montana State University. Teresa participates in community service consistent with Merrill's commitment to community engagement. Outside of work, she enjoys gardening, hiking, pickleball, skiing, traveling, and spending time with her family.