PROFESSIONAL PROFILE

John Macielag is a Senior Vice President and Investment Manager who joined Merrill Lynch in 1991 in the Downtown Baltimore office. Presently John represents clients in the greater Middle Atlantic Region and beyond. John graduated from Washington College in Chestertown Maryland with a business degree. He serves high net worth individuals, small and medium size corporations and not for profit institutions as the primary relationship manager in financial services. John is a portfolio manager in the Merrill Lynch PIA Program. He is supported by various specialists within Merrill Lynch and from outside strategic business partners. These specialists help John meet his clients' needs both on the asset and liability sides of the balance sheet.

Have 401k or IRA questions? Contact John. He is a Chartered Retirement Plans Specialist as Certified by the College for Financial Planning.

Are you a business owner looking to maximize what you can save on a pre-tax basis? Contact John. He can do a review to see if more of the business cash flow can be directed to the owner's tax sheltered accounts.

Have a Special Needs Child in your family? Contact John. He is also a Certified Special Needs Advisor.

By the way, we offer innovative residential mortgage programs. Call John or visit this site for more details: http://mlcc.ml.com/champ/macielag