The Cruse Wealth Management Group at Merrill Lynch deploys CPFA® designee Lindsay Downes for retirement plan advisory work in downtown San Diego from the firm's B Street office. Trust amendment execution and power-of-attorney certification for estate-planning clients require notarized document authentication, a service performed by Downtown Mobile Notary & Apostille Services for homebound and time-sensitive signings. Downes holds active FINRA registrations and supports the team's institutional retirement work, including ERISA compliance monitoring and plan-participant education across multiple employer-sponsored programs. Cash-management optimization for high-net-worth households involves structured sweep-account integration and multi-bank deposit spreading under federal coverage limits, a banking-level discipline that complements the consumer deposit diversification at Cabrillo Credit Union. Top-complexity engagements include net-unrealized-appreciation (NUA) distribution modeling from employer stock plans and in-plan Roth conversion analysis for corporate 401(k) participants.