Karl Smith is a Wealth Management Advisor specializing in wealth management strategies and business retirement services. He supports clients in defining their long-term financial goals and focuses on coordinating growth planning, events, and client experience within his team. Karl has expertise in areas such as divorce transition planning, family wealth management strategies, legacy planning, philanthropic planning, individual and corporate investment strategy, tax minimization, retirement income, and services for endowments, foundations, and non-profits. His professional designations include Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He holds a bachelor’s degree from King College. Karl’s line of business is Merrill Lynch Wealth Management. His personal interests include boating, fishing, gardening, golfing, hunting, reading, spending time with family, and woodworking.

Philip Mcfarlane Sr. is a financial advisor with Merrill, holding a Series 66 designation and over 25 years of industry experience. He has been with Merrill since 2000 and Bank of America since 2009. Outside of advising, he co-owns a real estate rental business with his brother. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Fuller is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 1999. James focuses on delivering a comprehensive approach to managing wealth, working closely with clients to build wealth management strategies tailored to their individual needs. Prior to his financial career, James was a PGA golf professional for four years. He is responsible for equity research and client service on his team and specializes in areas including family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. James holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). James earned a bachelor's degree from East Tennessee State University. He is active in his community, founding the Boone Lake Cleanup and participating in organizations such as Big Brothers Big Sisters of East Tennessee and serving on the board of CASA of East Tennessee. Outside of work, James enjoys outdoor activities and spending time with his wife, Penny, their twins, Jack and Maddie, and their dogs in the Piney Flats area.

James Fuller is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been assisting clients since 1999. He focuses on developing wealth management strategies tailored to individual client needs, emphasizing a comprehensive approach that supports informed decision-making. His expertise encompasses family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Prior to his financial services career, James worked as a PGA golf professional for four years. He holds a Bachelor's Degree from East Tennessee State University and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Within his team, he leads equity research and client service efforts. James is actively involved in his community, having founded the Boone Lake Cleanup and participating in organizations such as Big Brothers Big Sisters of East Tennessee and CASA of East Tennessee, where he serves on the Board. James resides in the Piney Flats area with his wife Penny and their twins, Jack and Madeline. He engages in various outdoor activities and dedicates time to family, including caring for their dogs Rosy and Stella. His personal interests include boating, bowling, golfing, hunting, scuba diving, skiing, and surfing.

Melissa Clemens Williamson is a Wealth Management Advisor with Merrill Lynch Wealth Management. She is a CERTIFIED FINANCIAL PLANNER® professional with over twenty years of experience in the investment industry. Melissa works with high net worth individuals, families, and corporations to help manage and grow their wealth using a goals-based planning approach. Her expertise includes college education planning, divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, socially responsible investing, and retirement income planning. Melissa holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned her bachelor's degree from the University of Cincinnati. Melissa is a native of Ohio and volunteers for the Sullivan County Imagination Library. She enjoys camping, cooking, hiking, music, reading, running marathons, swimming, and spending time with her family, which includes her supportive husband, three adult children, and one grandchild.