Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered broker-dealer and Member SIPC, and other subsidiaries of  

Bank of America Corporation.

Investment products:

Are Not FDIC Insured

Are Not Bank GuaranteedMay Lose Value

The Bull Symbol and Merrill Lynch are trademarks of Bank of America Corporation. 
Certified Financial Planner Board of Standards Inc. owns the certification marks CFPÆ and CERTIFIED FINANCIAL PLANNERô in the U.S. Investments & Wealth Instituteô (The Institute) is the owner of the 

certification marks CIMAÆ and Certified Investment Management AnalystÆ, CPWAÆ and Certified Private Wealth AdvisorÆ. Use of CIMAÆ, and/or Certified Investment Management AnalystÆ, CPWAÆ and/or 

Certified Private Wealth AdvisorÆ signifies that the user has successfully completed the Institute's initial and ongoing credentialing requirements for certification.
© 2019 Bank of America Corporation. All rights reserved. 

ARGF6QCD | AD-02-19-0523 | 472094PM-0718 | 02/2019

We're bullish on the 

future. Yours.

The world is changing fast. While change can provide opportunities, it also raises questions 
about the future. Through honest conversations about your life and your priorities, we'll find out 
what you want your future to look like, and develop a strategy together to help make it happen.

Krueger, Fosdyck & Associates

R. Tim Krueger
Senior Vice President 
Senior Financial Advisor
850.269.7003
tim_krueger@ml.com

Cory J. Fosdyck, CFP

Æ

, CIMA

Æ

, CPWA

Æ

Senior Vice President 
Senior Resident Director
850.269.7004
cory_fosdyck@ml.com

Merrill Lynch 
34990 Emerald Coast Parkway  
4th Floor 
Destin, FL 32541
fa.ml.com/kfa

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2/26/19   10:20 PM