Timothy Ralph is a financial advisor at Merit Financial Advisors with 16 years of industry experience. He holds a Series 66 designation and has worked previously at Stone Creek Capital Management LLC and Biltmore Capital Advisors. Outside of his advisory role, he is a managing member of Bearcat Aviation, LLC, an aircraft holding company. Merit Financial Group, LLC manages approximately $10.6 billion and serves 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 modular sleeves overseen by a central investment team.

Vinessa Siano is a financial advisor at Merit Financial Advisors in Jupiter, FL, with 10 years of industry experience. She holds Series 63, Series 65, and Series 66 designations. Her prior experience includes roles at Ameriprise and Catholic Charities Diocese of Palm Beach. 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 focuses on coordinated wealth-management services and employs a long-term, diversified investment approach overseen by an internal Investment Committee, offering customizable portfolio options and specialized fiduciary services.