Cindy Arter

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.

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.