Timothy Warner is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial services career in 2003 and holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification as well as the Personal Investment Advisor (PIA) designation. Tim has experience spanning the banking and insurance industries and works with private sector executives, military personnel, and civil service members. His team offers a range of wealth management programs and strategies focused on helping clients develop personalized financial roadmaps. Tim’s areas of expertise include family wealth management strategies, legacy planning, philanthropic planning, portfolio management, retirement income, tax minimization, and socially responsible investing. He emphasizes a comprehensive approach to managing wealth that begins with listening to clients and assisting them in making informed decisions to meet their long-term financial goals. Tim and his team at Merrill Lynch act as primary contacts for clients, providing ongoing support across all aspects of their financial lives. Timothy Warner earned a Bachelor's Degree from Mid-Continent University and also attended the University of Illinois System and Rend Lake College. He lives in Mascoutah, Illinois with his wife and three daughters. Both he and his wife were raised in the Rend Lake area. Tim is involved with the Ainad Shriners and First Baptist Church O'Fallon, IL. His personal interests include adventure sports, scuba diving, skiing, traveling, and spending time with his family.

Michael Cohan is the Resident Director of Merrill’s Metro East office in Swansea, Illinois. He joined Merrill in 2002 and brings over 20 years of experience in wealth management. His tenure includes more than a decade on the Merrill St. Louis Leadership Team and several years serving as a Financial Advisor on The Gray Group Wealth Management Team. Michael’s expertise focuses on family wealth management strategies, retirement planning, investment consulting, and helping professionals and business owners achieve their financial goals through advice, planning, and investment management. He holds bachelor's degrees in Finance and Management of Information Systems from Florida State University and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael and his family reside in Glen Carbon, Illinois. Outside of work, he enjoys spending time with family and friends, playing golf, traveling, and supporting local community organizations such as the Madison County of Illinois Child Advocacy Center.