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Current Employers
Merrill Lynch, Pierce, Fenner & Smith Incorporated

One Bryant Park, New York, NY 10036 • United States

Current Registrations

AuthorityCategoryStatusDate
KY RA APPROVED 2026-04-07
TX RA APPROVED 2026-02-09
OH RA APPROVED 2026-01-22
  • KY RA
    APPROVED
    Since 2026-04-07
  • TX RA
    APPROVED
    Since 2026-02-09
  • OH RA
    APPROVED
    Since 2026-01-22

Branch Locations

627 Buttermilk Pike, Crescent Springs, KY 41017 • United States

Disclosures

No disclosure categories reported as “Yes” on this SEC record.

  • Regulatory action No
  • Criminal No
  • Bankruptcy No
  • Civil judicial No
  • Bond No
  • Judgment / lien No
  • Investigation No
  • Customer complaint No
  • Termination No
Employment History
OrganizationCityStateFromTo
Fifth Third Bank Florence KY 07/2011 03/2017
Fifth Third Securities Florence KY 01/2014 03/2017
The Huntington National Bank Burlington KY 03/2017 12/2018
The Huntington Investment Company Columubs OH 03/2017 12/2018
Fifth Third Securities Florence KY 01/2019 01/2021
Fifth Third Bank Florence KY 01/2019 01/2021
Lpl Financial Llc Lakeside Park KY 02/2022 01/2023
Heartland Bank Lakeside Park KY 01/2021 06/2022
Unemployed Hebron KY 01/2023 01/2025
Fidelity Investments Covington KY 01/2025 11/2025
Merrill Lynch, Pierce, Fenner & Smith Incorporated Cincinnati OH 12/2025 Present
Bank Of America, N.A. Cincinnati OH 03/2026 Present
  • 07/2011 → 03/2017
    Fifth Third Bank
    Florence, KY
  • 01/2014 → 03/2017
    Fifth Third Securities
    Florence, KY
  • 03/2017 → 12/2018
    The Huntington National Bank
    Burlington, KY
  • 03/2017 → 12/2018
    The Huntington Investment Company
    Columubs, OH
  • 01/2019 → 01/2021
    Fifth Third Securities
    Florence, KY
  • 01/2019 → 01/2021
    Fifth Third Bank
    Florence, KY
  • 02/2022 → 01/2023
    Lpl Financial Llc
    Lakeside Park, KY
  • 01/2021 → 06/2022
    Heartland Bank
    Lakeside Park, KY
  • 01/2023 → 01/2025
    Unemployed
    Hebron, KY
  • 01/2025 → 11/2025
    Fidelity Investments
    Covington, KY
  • 12/2025 → Present
    Cincinnati, OH
  • 03/2026 → Present
    Bank Of America, N.A.
    Cincinnati, OH
Previous Registrations
Exams
CodeExamDate
S66 Uniform Combined State Law Examination 2025-05-07
S63 Uniform Securities Agent State Law Examination 2014-03-11
  • S66 Uniform Combined State Law Examination
    2025-05-07
  • S63 Uniform Securities Agent State Law Examination
    2014-03-11
Other Names
  • Kara Rebecca Spalding
  • Kara Rebecca Depenbrock
  • Kara Rebecca Spalding-Depenbrock
  • Kara Rebecca Spalding Barnett
  • Kara Rebecca Spalding Barnett
  • Kara Rebecca Spalding-Depenbrock
  • Kara Rebecca Depenbrock
  • Kara Rebecca Spalding
  • Kara R Barnett
  • Kara Barnett

View on SEC IAPD

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