Chad Kulm
Vice President, Wealth Management Advisor
NMLS #698202
110 So Phillips Ave
Sioux Falls, SD 57104
Learn more about an advisor's background on
Our clients entrust their financial future with us. I will work with you to develop a customized financial strategy designed to help you pursue what’s most important to you. Our training allows us to accept this responsibility. Our personal integrity, reputation and heart earn it.

Chad was born and raised in Rapid City, and upon graduation from the University of South Dakota, moved to Sioux Falls. Later, he served a wholesale company as co-owner and National Sales Manager. In 2008, Chad entered the financial services industry joining the Sioux Falls office of Merrill Lynch Wealth Management. Chad is active in the community and his church and has enjoyed raising quadruplets - three daughters and a son.

When Chad has free time, he enjoys being outdoors - particularly pursuing game in the field or on the water. Or, pulling for the Minnesota Vikings and Twins.

Chad Kulm holds the CERTIFIED FINANCIAL PLANNER, CFP® certification, awarded by the Certified Financial Planner Board of Standards, Inc.

About Me

Our mission, first and foremost, is to understand you. To take the time, to ask hard, smart questions and to listen carefully. To understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. We then design and implement a customized wealth management strategy that helps enable you and your family to pursue your personal financial goals without undue sacrifice to your lifestyle or unnecessary investment risk. Our wealth management approach is about using wealth to turn goals into reality. When you succeed, we succeed.

We can help you plan for the active retirement you've always envisioned. I feel my practice has grown because people view me as a hardworking, honest person they can trust to help them with some of life's biggest financial decisions. This allows them to focus on the other important parts of their lives, knowing a thoughtful plan is in place.

Meet Our Professional Staff
Carla S Greenwood
Registered Senior Wealth Management Client Associate
Additional Resources
The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Joseph McCullough
Wealth Strategies Advisor
Conor Durkin
Associate Investment Advisory Specialist
Jacqueline Ellsworth
Regional Lending Specialist
Bank of America, N.A.
NMLS #843905
About Merrill

Bringing fresh perspectives to your financial life

The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.

Sign Up for Perspectives Monthly E-Newsletter
Get the latest investment insights, tips and strategies to help you live your best financial life
Sign Up
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and the CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Chad Kulm is registered to do business in AZ, CO, FL, IA, IN, KS, MD, MN, MO, NC, ND, NE, NV, OH, OR, SD, TN, TX, UT, WI, WY.
Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™ logo are certification marks or registered certification marks of The College for Financial Planning Institutes Corp. in the United States.