John McCullough is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients primarily in Citrus County, Hernando County, Pasco County, Polk County, Hillsborough County, and Pinellas County in Florida. He has been in the financial services industry since 1995 and joined Merrill Lynch in 2006. John holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Certified Plan Fiduciary Advisor (CPFA). John earned a Bachelor of Science in Finance from Florida State University and holds additional credentials such as Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC). His expertise includes retirement income planning strategies, 401(k), Defined Benefit Pension, and Cash Balance Retirement Plans focused on corporations, successful business owners, corporate executives, retirees, and their families. In his role, John provides personalized wealth management planning, investment advice, estate coordination, and legacy implementation, tailoring strategies to fit each client’s risk tolerance, time horizon, liquidity needs, and investment goals. Residing on the Nature Coast of Florida, John is a parent of two grown daughters. Outside of his professional duties, he enjoys outdoor activities such as biking, boating, camping, fishing, hiking, hunting, swimming, and traveling. He also has a passion for cooking and values spending time with his family.