Ben Richards

Troy Braga is the Resident Director and Wealth Management Advisor at Merrill Lynch. He joined Merrill Lynch Wealth Management in 2014 following twelve years of experience in diverse corporate finance roles. Troy's expertise encompasses a wide spectrum of financial planning and advisory services, including corporate executive services, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management, small business strategies, individual and corporate investment strategy, and tax minimization. His focus is on helping affluent individuals, retirees, and business owners navigate the complexities of their financial lives through personalized, tax-efficient strategies aimed at growing and preserving wealth. Troy holds a Bachelor’s degree in Finance and Human Resources Management from the University of Idaho and an M.B.A. from Washington State University. He is a Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). While Troy is a Certified Public Accountant, he does not provide tax advice in his current role. Beyond his professional commitments, Troy is actively involved in his community as a member of the Innovia Foundation Kootenai County Leadership Council, Kootenai Health Foundation, and The Salvation Army Kroc Center Board. He enjoys spending time outdoors pursuing activities such as basketball, biking, camping, fishing, hiking, running—including marathons—skiing, and traveling, often with his family.