Mary Anne Phillips is a Private Wealth Advisor with experience in managing portfolios for institutional and high-net-worth clients. She began her career in financial services in 2008 at Highland Associates, focusing on investment management, portfolio analytics, and risk assessments for institutional clients. In 2012, she joined Merrill Lynch Wealth Management, where she applies analytical skills to create customized client portfolios that align with client objectives, risk tolerance, and liquidity needs. Mary Anne earned a Bachelor of Science degree in Business with a concentration in Finance from Auburn University. She holds the Chartered Financial Analyst (CFA) designation and is a Merrill Institutional Consultant. Her expertise includes family wealth management strategies, institutional investment consulting, philanthropic planning, socially responsible investing, and more. Active in her community, Mary Anne has served on the Homewood Library Foundation, the YWCA Central Alabama Junior Board, the Junior League of Birmingham, and the Trinity United Methodist Administrative Board. She lives in Homewood with her husband, Bradley, and their three children.

Candice Hobbs is a financial advisor with Merrill and holds a Series 66 designation, bringing five years of industry experience. She has been with Merrill since 2011 and previously worked at Bank of America for nine years. Outside of her advisory role, she serves as co-trustee for The Trust of B A P in Louisville, Kentucky. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Camper O'Neal is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since March 2005. He provides investment consulting services to wealthy families and individuals, foundations and endowments, corporations, and retirement plans. Camper assists clients with pre- and post-retirement planning, focusing on income and capital preservation, and holds professional designations including Certified Private Wealth Advisor® (CPWA®), Chartered Retirement Planning Counselor™ (CRPC®), Chartered Retirement Plans Specialist™ (CRPS®), and Certified Plan Fiduciary Advisor (CPFA). Camper earned a High School Diploma from Mountain Brook High School and a Bachelor's Degree from Auburn University. His areas of expertise include family wealth management strategies, services for endowments, foundation and non-profits, legacy planning, liquidity management, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, and retirement income. He is involved with professional and community organizations including the Breast Cancer Research Foundation of Alabama, Mountain Brook City Schools Foundation, and the O'Neal Comprehensive Cancer Center Advisory Board. Outside of his professional work, Camper enjoys spending time with his family, attending his children's sporting events, and engaging in outdoor activities such as fishing, golfing, and hunting.

Malcolm Albin is a Senior Financial Advisor with the Lacey Albin Group within Merrill Private Wealth Management. He serves the financial and investment needs of high- and ultra-high net worth families, individuals, businesses, and nonprofits. His team's goal is to simplify clients' financial lives so they can focus on their priorities, providing customized, boutique-level service backed by the resources of a global financial institution. Malcolm's expertise encompasses portfolio management and construction, wealth management planning and modeling, impact portfolio strategies, estate planning and wealth transfer services, customized credit, and lending solutions. Prior to his career in financial services, he spent five years managing fundraising and development operations for various nonprofits in the Birmingham, Alabama area. He holds three degrees from the University of Michigan, including a Bachelor's Degree in History, a Masters of Environmental Science, and an MBA from the Ross School of Business. Malcolm has been involved in the Birmingham community through memberships with organizations such as the Public Affairs Research Council of Alabama (PARCA), UAB School of Nursing, and Campfire Alabama. In his personal time, he enjoys camping, cooking, hiking, music, soccer, and spending time with his family.

Gary Gordon is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing nearly 40 years of experience in the financial industry. Since joining Merrill Lynch in February 2014, he has focused on providing investment services for individuals and companies, helping clients navigate changing market conditions. Previously, Gary served as a financial advisor with Morgan Stanley from 1982 to 2014. His areas of expertise include managing new wealth, sports and entertainment financial planning, and retirement income strategies. Gary holds a Bachelor's Degree from the University of Alabama and has earned several professional designations including Certified Investment Management Analyst (CIMA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Gary is committed to delivering personalized wealth management solutions tailored to clients’ evolving needs. He also participates in community volunteer activities, reflecting Merrill’s tradition of community involvement. Outside of work, he enjoys reading, spending time with his family, and watching movies.

Andrew Taylor is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has a background in the United States Army, serving on active duty from 2005 to 2019 and continuing military service as a Major in the United States Army Reserve Sustainment Command. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Evan Sawyer is a Senior Financial Advisor with Richey, Price, Sawyer & Associates, operating within Merrill Lynch Wealth Management. He began his career at Merrill Lynch Wealth Management in 2016 and joined the firm in 2017. In his role, Evan collaborates directly with clients to develop personalized financial strategies tailored to their long-term goals. He provides access to Merrill’s investment insights as well as the banking and lending solutions of Bank of America, aiming to deliver flexible wealth management approaches aligned with today's market conditions. Evan holds a Bachelor of Science degree in Finance from the University of Alabama and maintains professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. His expertise focuses on wealth preservation strategies and discretionary portfolio management designed to generate income for high-net-worth individuals, physicians, business, and military executives.

Laura Monnett is a financial advisor at Merrill with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at First Financial Bank, the University of Southern Indiana, and BBVA-affiliated firms. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

John Lacey is a Private Wealth Advisor with Merrill Private Wealth Management. He has been working in financial services since 1985, focusing on delivering wealth management strategies and advice to ultra-high-net-worth clients. John specializes in family wealth management strategies, legacy planning, philanthropic planning, managing new wealth, and liquidity management among other areas. His professional experience includes tenure with Prudential Securities, Robinson Humphrey, and Smith Barney in Birmingham before joining Merrill in 2010. John concentrates on assisting families with the complexities of wealth, emphasizing family governance, inter-generational wealth dynamics, and philanthropy. He works with multiple generations to promote the positive impact of wealth for individuals, families, and the wider community. Additionally, John has significant experience managing concentrated and restricted stock, helping executives and entrepreneurs develop long-term portfolio management strategies. He holds a Bachelor's Degree in Marketing from the University System of Maryland and the Personal Investment Advisor (PIA) designation. John is active in the Birmingham community and involved with organizations such as Alabama Ballet and Racing For Children's. Outside of work, his interests include antiquing, basketball, boating, skiing, and tennis.

Lahoma Napper is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. She provides customized financial guidance tailored to the unique goals and life circumstances of her clients. Drawing on the extensive resources of Merrill and Bank of America, she supports clients across a range of needs including executive compensation, family wealth management, legacy planning, personal retirement planning, and portfolio management. Her client base includes entrepreneurs, professionals, athletes, physicians, attorneys, and entertainers, all seeking a holistic and personalized approach to wealth management. Lahoma holds a Master’s Degree in Marketing and Management from the Rinker School of Business at Palm Beach Atlantic University and a Bachelor of Science in Marketing and Management with minors in Entrepreneurship, Social Sciences, and Economics from Northwood University. She has earned multiple financial services designations, including Certified Financial Planner® (CFP), Chartered Retirement Planning Counselor™ (CRPC), Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA), and has completed Merrill’s Longevity Training Program in partnership with the University of Southern California’s Davis School of Gerontology. In 2025, she was recognized on the Forbes "Top Women Wealth Advisors Best in State" list. Outside of her professional work, Lahoma lives in Spring Lake with her husband and two dogs. She dedicates time to support animal welfare through organizations such as the Humane Society of West Michigan and engages in various personal interests including gardening, running, biking, martial arts, skiing, and reading. She is also involved with community organizations including Michigan State University College of Human Medicine, Michigan Woman Forward, Paws with A Cause, and the Women's Resource Center.

Margaret White is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has held positions at Bank of America, NBC Securities, and The Welch Group. Outside of finance, she has been involved with the Homewood Tennis Club and local schools in the Birmingham, AL area. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

George Salem is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides guidance in areas including family wealth management strategies, personal retirement planning, portfolio management services, sports and entertainment, and retirement income. His approach focuses on connecting clients to the people, plans, and processes that align with their individual goals. George holds the Personal Investment Advisor (PIA) designation and earned two bachelor's degrees from the University of Alabama System. His work incorporates clients' personal perspectives and priorities, aiming to bring clarity to investment planning and wealth management.

Kenneth Price is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in financial coaching for high-performing individuals such as athletes, sales professionals, and business owners. He employs a disciplined and personalized approach to wealth management, focusing on areas including corporate benefits, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, and tax minimization. Ken emphasizes a 360-degree view of clients' financial lives to develop customized plans aligned with their goals and values. Ken brings extensive experience to his role, having joined Merrill Lynch in 2006 following his tenure at Morgan Stanley. He is a former U.S. Marine with four years of active duty, where he developed skills in anticipating and planning for the unexpected. This experience informs his proactive and adaptable approach to helping clients navigate financial challenges. His professional credentials include the CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He holds a Bachelor's degree from Tusculum College and an MBA from the University of Alabama at Birmingham. Ken is involved in community support efforts through various nonprofits, including organizations focused on cancer awareness and family support. Outside of work, he enjoys biking, fishing, golfing, reading, and spending time with his wife Stephanie and their two sons.

Mary Wynne Estes is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with Merrill since 2011, bringing over 35 years of experience in the financial services industry. Mary Wynne started her career in 1989 as an Annuity and Mutual Fund Coordinator at AmSouth Investment Services, later moving into institutional investment sales and continuing her career through mergers until joining Merrill. Mary Wynne's expertise includes managing discretionary custom investment strategies, as well as working with a range of Merrill model portfolios and third-party investment strategies. She serves various clients such as individuals, corporations, trusts, municipalities, and financial institutions, focusing on areas like family wealth management, legacy planning, managing new wealth, personal retirement planning, and philanthropic planning. She holds a bachelor's degree from Auburn University and a high school diploma from Vestavia Hills High School. Outside of work, Mary Wynne enjoys hiking, spending time with her family, and traveling.

William Welden is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing investment consulting services to individuals, foundations, endowments, retirement plans, and institutions. William focuses on client areas including college education planning, divorce transition planning, institutional and corporate benefit services, and legacy planning. He holds a Bachelor's Degree from Auburn University and holds professional designations such as Accredited Asset Management Specialist (AAMS), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). William works closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals. Outside of his professional work, William engages in activities such as adventure sports, boating, fishing, golfing, horseback riding, reading, scuba diving, skiing, spending time with his family, and woodworking.

Thomas Hart is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their financial goals and develop strategies tailored to their individual needs. His areas of focus include family wealth management strategies, portfolio management services, and retirement income planning. Thomas holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the University of Alabama System. In his role, he provides guidance on general investing, retirement planning, and managing unexpected financial events. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of work, Thomas enjoys football, golfing, skiing, and spending time with his family.

Jay Higgenbotham is a Senior Financial Advisor at Merrill Lynch Wealth Management in Birmingham, Alabama. He has over 40 years of experience assisting individuals, families, closely-held businesses, and corporations in navigating and achieving their financial goals. Jay focuses on comprehensive wealth management strategies including portfolio development, estate planning, family legacy planning, philanthropic planning, and pre- and post-transaction advice. He emphasizes a consultative and goals-based approach, working closely with clients to understand their financial situations and objectives before developing customized strategies. Jay holds a Bachelor's degree in Finance and Accounting and a Master's degree in Public and Private Management, both from Birmingham-Southern College. He has earned multiple professional designations including Certified Private Wealth Advisor (CPWA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Residing in Birmingham with his wife Dawn, Jay has two adult children. He is active in his community through St. Luke's Episcopal Church, where he has served on the Vestry and participated in various ministries. His personal interests include tennis, golf, fishing, boating, football, music, skiing, traveling, and spending time with his family.

Chad Richey is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he serves a diverse clientele including business owners, healthcare professionals, attorneys, retired military executives, and multi-generational families in Alabama and other states. With over two decades of experience in financial services beginning in banking, Chad focuses on providing personalized wealth management strategies that align with his clients' unique circumstances and objectives. Chad has guided clients through multiple periods of market volatility, including 2001, 2008, 2020, 2022, and 2025, emphasizing risk mitigation and the incorporation of alternative investments such as private equity, real estate, hedge funds, and private debt. He also supports clients through the full financial lifecycle of their enterprises, including growth financing, succession planning, and liquidity events. Chad holds the CERTIFIED FINANCIAL PLANNER® certification and the Certified Plan Fiduciary Advisor® designation, and he previously served as Senior Resident Director of the Birmingham South Merrill office, overseeing and coaching 27 financial advisors. Chad earned a Bachelor's degree in Business with a concentration in Finance from Birmingham-Southern College. Outside of work, he enjoys cooking, fishing, football, genealogy, hunting, spending time with his family, watching movies, and practicing yoga.

Adam Setas is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch for over ten years and previously worked in the financial services industry as a junior bank analyst at Sterne, Agee and Leach, Inc., focusing on small- to mid-cap banks primarily in the Southeastern United States. Adam is committed to the principles upon which Merrill was founded, including client focus, respect for the individual, teamwork, responsible citizenship, and integrity. Adam specializes in creating and managing personalized investment solutions tailored to individuals, families, and businesses, considering factors such as risk tolerance, time horizon, liquidity needs, and overall goals. He is a Senior Portfolio Advisor qualified to manage custom investment strategies and offer clients access to Merrill model portfolios and third-party strategies. Additionally, Adam leads the team's Institutional Corporate Retirement segment and holds the Retirement Benefit Consultant (RBC) designation within Merrill's defined contribution designation program. Adam earned his bachelor's degree in Finance from the University of Alabama and was a member of the Culverhouse Investment Management Group. He is an active member of organizations including the Monday Morning Quarterback Club, the American Hellenic Educational Progressive Association (AHEPA), the Red Elephant Club of Birmingham, and Nick's Kids Foundation. Adam previously served on the inaugural Junior Board of Directors for the Birmingham Education Foundation. He resides in Mountain Brook, Alabama, with his wife Kristen, their son James, and their two dogs.

Hazel Barbee is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and has been with Bank of America, N.A. and Merrill since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.