There are numerous financial institutions that are capable of managing your hard earned money. None more capable than the financial services of Merrill Lynch and the certified public accounting firm of Osterman, Pollack, and Moses, LLC. For advice and guidance with your Financial Planning, the staff of the IBA endorses and recommends the services of Merrill Lynch. An institution that has been a mainstay in finance for decades and their utmost concern is your financial security. We are pleased that Merrill Lynch is a part of the IBA team and you too will benefit greatly by their service.