PROFESSIONAL PROFILE

Jill is a Merrill Lynch Wealth Management Advisor specializing in sophisticated planning and innovative financial strategies for corporations and private investors with substantial wealth. She has led the Kremer Wealth Management Group for many years. Numerous recognition awards, placing her in the highest echelon of Merrill Lynch Financial Advisors, have distinguished her twenty-seven year career with Merrill Lynch.

Her extensive background advising Fortune 500 clients and private investors with unique requirements brings an experienced understanding to her ability to formulate effective financial strategies and tailored solutions for her clients. In addition, she has worked extensively and directly with other client advisors, including legal and accounting advisors, business managers and Chief Financial Officers. Ms. Kremer has also earned the degree of Accredited Retirement Pension Consultant, Chartered Retirement Planning Counselor"^SM", and is a Senior Vice President of the firm.

Ms. Kremer was a Provost Scholar and graduated magna cum laude with a Bachelor of Arts degree from Hofstra University, New York. She was awarded her law degree with a concentration in Trusts and Estate Planning. While attending law school and prior to joining Merrill Lynch, Jill served as Assistant to the State Attorney of Connecticut. She resides on Long Island with her husband, Stephen Kremer,MD and their two daughters, Michelle and Hannah, who attend New York Law School and Cornell University, respectively.

Ms. Kremer does not provide legal or tax advice in her current role at Merrill Lynch.