H. David Osnowitz is Senior Resident Director and Wealth Management Advisor at Merrill, where he opened the Bloomington, Illinois office in 1994. With nearly a decade of prior experience in the financial services industry, David specializes in developing strategies for high-net-worth individuals and their families, addressing areas such as investment management, education funding, retirement planning, and estate planning in collaboration with clients' advisors. David graduated from The University of Iowa in 1985 with a degree in Finance and earned the CERTIFIED FINANCIAL PLANNER® certification in 1988. He holds multiple professional designations, including Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). As a qualified Portfolio Manager, David manages personalized and defined investment strategies on a discretionary basis, utilizing individual securities, model portfolios, and third-party strategies to meet client objectives. Outside of his professional work, David serves on the board of Easterseals Central Illinois. His personal interests include adventure sports, baseball, golfing, music, and spending time with his family.

Mark Osnowitz is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies and assisting clients in implementing them to achieve their financial goals. Mark works with local families and small businesses to simplify their financial situations, focusing on areas such as retirement planning, income generation and replacement strategies, legacy planning, tax minimization, college education planning, and small business strategies. He strives to help clients feel empowered and comfortable with their financial plans, emphasizing clear understanding and realistic goal-setting. Mark holds a CERTIFIED FINANCIAL PLANNER™ certification and is recognized as a Personal Investment Advisor. He earned a Master’s degree from the University of Edinburgh and a Bachelor’s degree from Wabash College. Mark is a part of his father's team at Merrill Lynch Wealth Management and continues to develop his expertise in wealth management. Outside of his professional role, Mark is involved with the Alzheimer's Association. He enjoys hiking, painting, spending time with his family, watching movies, and practicing yoga.

Giovanni Bernetti is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Bloomington branch. He works with a select group of families, retirees, corporate executives, and business owners, providing financial education and personalized wealth management strategies. Giovanni focuses on simplifying and clarifying clients' financial lives by coordinating their financial affairs and reviewing progress through quarterly meetings conducted in person or by telephone. His areas of expertise include college education planning, family wealth management strategies, LGBT wealth planning, personal retirement planning, portfolio management services, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Giovanni holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations, and has completed FINRA Series 7, 63, and 66 registrations as well as Illinois state health and life insurance licenses. He earned his Bachelor's degree from Illinois State University. Giovanni resides in Bloomington, Illinois with his wife Genevieve and their two children. His personal interests include cooking, running, skiing, wakeboarding, mountain biking, and traveling with his family. Fluent in English and Italian, Giovanni emphasizes building strong relationships with clients based on trust, clarity, and tailored financial strategies.

Scott Miller is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has served since 1999. With a career in financial services spanning over two decades beginning in 1994, Scott founded Miller McDaniel & Associates in 2016 to better serve his expanding client base. He manages personalized and defined investment strategies that may include individual stocks, bonds, Merrill Lynch model portfolios, and third-party strategies to help clients meet their financial goals. Scott’s areas of expertise include services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, legacy planning, personal retirement planning, and tax minimization. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Scott earned a Bachelor’s Degree in Business Administration from the University of Iowa in 1994 and is a Charter Member of the Florida College Society. Outside of his professional activities, Scott is an elder at the Normal Church of Christ and was a retired board member of the Chicagoland Chapter Hutchinson Bell. He and his wife, Suzy, have a family including children and grandchildren. Scott’s personal interests include baseball, basketball, biking, football, pickleball, reading, skiing, softball, volleyball, and spending time with his family.

Payton Miller is a Senior Financial Advisor with Miller McDaniel & Associates, affiliated with Merrill Lynch Wealth Management. He joined the firm in 2017 and contributes to the team by providing customized service support to clients and internal support to the advisor team. Payton works alongside experienced Merrill financial advisors to design financial strategies aimed at helping clients achieve their financial objectives. His client focus areas include executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Payton holds a Bachelor of Business degree from Florida College, earned in 2016, and is a Personal Investment Advisor (PIA). Payton prioritizes faith and family in both his personal and professional life. He and his wife, Bethany, are members of the Church of Christ in Normal and are actively involved in their church community. Outside of work, Payton enjoys baseball, basketball, football, racquetball, table tennis, volleyball, reading, board games, athletic competition, and spending time with his family.

Bryan Luther is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 1994, he has focused on wealth management and retirement planning, developing personalized financial strategies to help clients pursue their long-term goals. Bryan works closely with clients in areas including college education planning, divorce transition planning, liquidity management, portfolio management, tax minimization, and retirement income. He holds a Bachelor's Degree in Finance and Economics from the University of Illinois System and the Professional Investment Advisor (PIA) designation. Bryan follows Merrill's tradition of community participation and spends time volunteering with local organizations. Outside of work, he enjoys music, watching movies, and spending time with his family.