Nicholas Moon is a financial advisor at Merit Financial Advisors in Alpharetta, GA, with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Purshe Kaplan Sterling Investments, Lifestyle Planning Solutions, LPL Financial, and Merit Financial Advisors since 2016. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving a diverse client base, including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable strategies overseen by a central Investment Management team and Investment Committee.

Marcus Anderson is a Series 66-credentialed financial advisor with 22 years of industry experience. He has worked at Merit Financial Advisors since 2016 and previously at Purshe Kaplan Sterling Investments and LPL Financial, LLC. Merit Financial Advisors is a multi-team registered investment adviser with over 260 advisors serving approximately 20,000 clients across 66 offices. The firm offers coordinated wealth management services and employs a long-term, diversified investment approach overseen by an internal committee, allowing advisors to customize portfolios using fundamental, technical, and cyclical analysis methods.

Andrew Cortez is a Series 65 licensed financial advisor with Merit Financial Advisors in Pocatello, ID, bringing two years of industry experience. He previously worked at Sanctuary Wealth Management and Westmark Credit Union. Merit Financial Group, LLC manages approximately $10.6 billion for a diverse client base including individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable strategies overseen by a central Investment Management team and Investment Committee.

John Baxley is a CFP® with 26 years of industry experience, currently serving at Merit Financial Advisors in Knoxville, TN. His career includes roles at firms such as Purshe Kaplan Sterling Investments, MFG Securities, LPL Financial, and Ladenburg Thalmann. He holds multiple compliance officer roles across affiliated firms and is also licensed to sell life, health, disability, long-term care insurance, and fixed annuities. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving a diverse client base including individuals, businesses, retirement plans, and charitable organizations. The firm employs a long-term, diversified investment approach with customizable model portfolios and offers a range of financial planning and advisory services.

Brian Lang is a financial advisor with Merit Financial Advisors in Topeka, KS, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Wealthcare Advisory Partners, Avantax Advisory Services, and 1st Global Capital Corp. Outside of advising, he serves as treasurer and audit committee member for the Topeka Community Foundation, where he contributes to financial oversight and asset allocation. Merit Financial Group is an SEC-registered advisory firm managing approximately $10.6 billion for a diverse client base, including individuals, businesses, retirement plan sponsors, and charitable organizations. The firm applies a long-term, diversified investment strategy through customizable model portfolios and utilizes multiple asset classes and third-party managers under centralized oversight.

Steven Pollock is a CFP® professional with 19 years of industry experience, currently serving as an advisor at Merit Financial Advisors. His prior roles include positions at PKS Investments, LPL Financial, and Reason Financial, among others. Outside of his advisory work, he serves as co-treasurer for the Friends of Kate Sessions Elementary Parent Teacher Organization in San Diego. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach with customizable model portfolios, and offers specialized services such as fiduciary and ESOP trustee work alongside financial wellness programs.

Justin Eccleston is a financial advisor at Merit Financial Advisors with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Stone Creek Capital Management, LLC and Biltmore Capital Advisors. He has been with Merit Financial Group since 2021. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base, including individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable sleeves, overseen by a central Investment Management team and Investment Committee.

Christian Kalnins is a CFP® with nine years of industry experience, currently serving as a financial advisor at Merit Financial Advisors. He previously worked at Safeguard Wealth Management, MML Investors Services, MassMutual Life Insurance Co., and Robert W. Baird & Co. His background includes roles at both large firms and smaller advisory practices. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion for a diverse client base, including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable strategies overseen by a central Investment Management team.

Lauren Lewis is a financial advisor at Merit Financial Advisors with 21 years of industry experience. She holds the Series 66 designation and has previously worked at firms including Purshe Kaplan Sterling Investments, Oppenheimer, Morgan Stanley, and E*TRADE. Merit Financial Advisors is a multi-team registered investment adviser with over 260 advisors serving more than 20,000 clients across 66 offices. The firm offers coordinated wealth-management services and employs a long-term, diversified investment approach supported by an internal Investment Management team and Investment Committee.

Joseph Cilley is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Merit Financial Advisors. His prior roles include positions at Purshe Kaplan Sterling Investments, LPL Financial, Triad Investment Management, and U.S. Bancorp Investments. He serves as a board member of the Graham Hill Mutual Water Company, a charitable nonprofit organization. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base, including individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves, overseen by a central investment team and committee, with advisors able to customize portfolios on various platforms.

Lloyd Mennenga is a financial advisor at Merit Financial Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Harbour Investments, Inc. and Woodbury Financial Services, Inc. In addition to his advisory role, he provides tax preparation and planning services through Merit Tax Advisors. Merit Financial Group, LLC manages approximately $10.6 billion and serves a diverse client base including individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment strategy using model portfolios and customizable sleeves, supported by a central Investment Management team and an Investment Committee.

Liam Pearson Gamble is a financial advisor at Merit Financial Advisors in Spokane, WA, holding Series 65 and Series 63 credentials with seven years of industry experience. He has previously worked at Northern Capital Retirement Services, Inc., Northern Capital Management, Inc., and TD Ameritrade. Merit Financial Advisors is a multi-team registered investment adviser with over 260 advisors serving more than 20,000 clients across 66 offices, managing approximately $23.9 billion in assets. The firm offers coordinated wealth-management services and uses a long-term, diversified investment approach with customizable portfolio models overseen by an internal Investment Committee.

Francis Bautz Jr. is a financial advisor at Merit Financial Advisors with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at LPL Financial, Stratos Wealth Partners, and Purshe Kaplan Sterling Investments. Bautz also provides insurance advice tailored to client needs. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving a diverse client base, including individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach through customizable model portfolios and offers a range of services such as asset management, financial planning, and employee financial wellness programs.

Chad Stevens is a CFP®-certified financial advisor with Merit Financial Advisors, bringing six years of industry experience. He has previously worked at Purshe Kaplan Sterling Investments and LPL Financial, LLC. Stevens is based in Greenwood Village, CO. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base including individuals, businesses, and institutions. The firm employs a long-term, diversified investment approach with customizable model portfolios and offers specialized services such as independent fiduciary and ESOP trustee work.

Patrick Carroll is a financial advisor at Merit Financial Advisors with over 42 years of industry experience. He holds the CFP®, ChFC®, and Series 63 designations. His prior experience includes roles at Purshe Kaplan Sterling Investments, Triad Advisors, Inc., ACI Partners, LLC, National Planning Corporation, and Wealth Strategies Group. Carroll is also an author, having written a book titled *Tame Your Money Elephants* and is working on a second, and he serves on the board of the National Capital Trolley Museum. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving a diverse client base that includes individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach with customizable model portfolios and offers a range of services including asset management, financial planning, and employee financial wellness programs.

Patrick Sturm is a financial advisor at Merit Financial Advisors with 25 years of industry experience. He previously worked for 12 years at Pillar Wealth Management Co., which he remains involved with as a principal during its transition period. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion for a diverse client base that includes individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable sleeves, overseen by a central Investment Management team and Investment Committee.

Gabriela Cossio is a financial advisor at Merit Financial Advisors with one year of industry experience. She holds a Series 66 designation and previously worked at JPMorgan Chase Bank, NA and JPMorgan Securities LLC. Merit Financial Advisors is a multi-team registered investment adviser with 264 advisors serving over 20,000 clients across 66 offices. The firm focuses on coordinated wealth-management services and employs a long-term, diversified investment approach with customizable models supported by both discretionary and non-discretionary authority.

Patrick Beale is a financial advisor at Merit Financial Advisors with 20 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Purshe Kaplan Sterling Investments, Commonwealth Financial Network, Global Wealth Advisors, and LPL. Outside of his advisory work, he is co-owner of Pearland Elite Training Center, LLC, a teaching and coaching business operated by his wife. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving individuals, businesses, retirement plan sponsors, and institutions. The firm employs a long-term, diversified investment approach utilizing model portfolios and modular sleeves, overseen by a central Investment Management team and committee, while allowing advisors flexibility in portfolio management.

Ray Massey is a CFP® certificant and holds Series 63 and Series 66 licenses, with 10 years of experience in the financial services industry. He has worked at Merit Financial Advisors and PKS Investments since 2026, and previously held roles at GlennCo, LLC., Commonwealth Financial Network, and The Vanguard Group, Inc. Massey has experience in both investment advising and financial planning. Merit Financial Advisors is a multi-team registered investment adviser with 264 advisors serving over 20,000 clients across 66 offices. The firm offers coordinated wealth-management services and employs a long-term, diversified investment approach managed by internal teams with customization options for advisors.

Katrina Daley Deus is a financial advisor at Merit Financial Advisors with three years of industry experience. She holds the Series 66 designation and has previously worked at Ameriprise Financial Services LLC, Fairwinds Credit Union, and Axiom Bank. Merit Financial Advisors is a multi-team registered investment adviser with 264 advisors serving over 20,000 clients across 66 offices and managing approximately $23.9 billion in assets. The firm offers wealth-management services including asset management, financial planning, and retirement plan advice, using a long-term, diversified investment approach supported by an internal Investment Management team and customizable portfolio models.