J. Bailey Stitt is a Wealth Management Advisor and partner with Harris, O'Neill, Stitt & Associates in Fairhope, Alabama. As a CERTIFIED FINANCIAL PLANNER™ professional, she works with individuals, families, and business owners to provide customized financial strategies that align with clients' goals, values, and priorities. Bailey specializes in areas such as investment management, retirement planning, estate and wealth transfer strategies, cash flow planning, education funding, charitable giving, and business planning, coordinating closely with attorneys, CPAs, and other professionals to simplify complex financial decisions. Bailey's practice focuses on building lasting, multigenerational relationships by helping clients navigate financial opportunities and transitions while preparing future generations to carry forward their family values. She emphasizes a holistic, multi-disciplinary approach that includes retirement income planning, tax minimization, portfolio management, and legacy planning, among others. Bailey is also a Personal Investment Advisor (PIA) and holds a Bachelor's Degree from the University of South Alabama. In addition to her professional work, Bailey is involved in the community through roles such as serving on the Boards of Impact 100 Baldwin County and the South Baldwin Chamber of Commerce. She is also engaged with organizations including Art for Heart, Pleasure Island Junior Women's Club, and Workforce Housing Alliance. Outside of work, she enjoys tennis, reading, traveling, boating, and spending time with her husband, Adam, their son Brooks, and their dog, Sadie.

Thomas Smith is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial industry. He has been working at the Fairhope, Alabama office since 2004 and holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His areas of expertise encompass retirement planning strategies for individuals and businesses, divorce transition planning, employee benefits planning, executive compensation, family wealth management strategies, institutional and corporate benefit services, institutional consulting, defined benefit and defined contribution plan investment consulting, and personal retirement planning. Thomas follows a disciplined process, beginning with understanding each client's needs, concerns, and priorities to create personalized financial strategies. Thomas holds a Bachelor's Degree from Auburn University and earned his CIMA certification through the Investments & Wealth Institute in conjunction with the University of Chicago Booth School of Business. He resides in Fairhope, Alabama, with his wife Anne and their three sons: Walker, Evans, and Tipton.

Marilyn Strickland is a financial advisor at Merrill with 23 years of industry experience. She holds the Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2000. 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 developed by internal and third-party teams.

C Harty III is a financial advisor with Merrill in Fairhope, AL, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been with Merrill since 1983 and with Bank of America, N.A. since 2009. Outside of his advisory work, he is a limited partner and outside investor in Fort Morgan Marina LLC. 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 model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

S Wesley Carpenter is the Senior Resident Director of the Fairhope, Alabama office of Merrill Lynch Wealth Management. He serves a select group of clients including retirees, business owners, executives, professionals, and families, providing tailored financial planning and wealth management services. Wesley co-founded THE HARTY CARPENTER GROUP, a wealth advisory team focused on upfront advice, customized strategies, and committed service. Wesley has been recognized on multiple industry lists such as Barron's "Top 1,200 Financial Advisors" from 2021-2023, Financial Planning's "Top 40 Advisors Under 40" in 2020 and 2021, and Forbes' "Best-in-State Wealth Advisors" for five consecutive years through 2023. His practice specializes in retirement planning, business exit planning, succession planning, retirement income, portfolio management, wealth preservation, and generational wealth planning. He holds several professional designations including Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated from the University of Alabama with a Bachelor of Science in Commerce & Business Administration in Finance and a minor in Economics. Wesley is active in community organizations including serving on the board of the Community Foundation of South Alabama, chairing the Eastern Shore Chamber of Commerce, and participating in groups such as Alabama Leadership Initiative, Business Council of Alabama, Coastal Alabama Partnership, and Leadership Baldwin County. His personal interests include Alabama football, offshore fishing, golfing, and spending time with his wife and two sons.

Stephanie Kastrup is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill and Bank of America, N.A. since 2018, following three years at Regions Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for individual, high-net-worth, institutional, and charitable clients, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Julia Ham is a Financial Advisor with Merrill Lynch Wealth Management. She works closely with clients to develop personalized financial strategies tailored to their long-term goals. Julia specializes in areas including college education planning, family wealth management strategies, employee financial health, personal retirement planning, women and wealth, individual and corporate investment strategy, and retirement income. With over fourteen years of experience in financial services and a legal background pursued through a Juris Doctorate Degree from Louisiana State University System, Julia integrates her expertise to help clients navigate changing circumstances. She holds the designations of Certified Divorce Financial Analyst (CDFA) and Personal Investment Advisor (PIA), and earned her Bachelor's Degree from Northwestern State University of Louisiana. Julia is originally from New Orleans, Louisiana, and has lived in coastal Alabama since 2020. She participates in community initiatives such as IMPACT 100. Outside of work, she enjoys activities including cooking, painting, racquetball, tennis, traveling, writing, and spending time with her family.

Stephen Baker is a financial advisor with Merrill who holds Series 63 and Series 65 licenses and has 42 years of industry experience. He has been with Merrill since 1984 and has also worked with Bank of America since 2011. Outside of his advisory role, he serves as a board member and secretary for Mobile Memorial Gardens, Inc., a nonprofit organization, and is a board member at the University of South Alabama. Merrill, together 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, and institutions, integrating internal and third-party management teams.

Melanie Harris is a financial advisor with Merrill and holds Series 63 and Series 65 credentials. She has 40 years of industry experience, including over 30 years at Merrill and 15 years at Bank of America, N.A. Harris serves on advisory boards for several realty companies and is a board member of a homeowners association in Gulf Shores, Alabama. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

William Naff is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he operates a boutique-style practice within a global bank framework. He focuses on delivering family office-type services designed to build multi-generational relationships and provide guidance when financial goals become unbalanced. His client focus areas include education planning, family wealth management strategies, personal retirement planning, philanthropic planning, and retirement income. Naff began his financial services career in 1995 and joined THE HARTY CARPENTER GROUP in 2014. He helps high net-worth individuals and families create customized wealth strategies aligned with their priorities and goals. He leverages Merrill's technology and a Goals Based Wealth Management Process to assist clients in achieving financial success by clarifying complex life challenges. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree from Ohio Wesleyan University. Originally from Connecticut, Naff relocated to Fairhope, Alabama, where he enjoys activities such as cooking, fishing, gardening, golfing, and spending time with his wife Amy and their children, Sawyer and Laney.

Chad Dolan is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his career in financial services in 2014, he has developed expertise in areas including college education planning, employee benefits planning, executive compensation, family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income planning. Chad graduated summa cum laude with University Honors from the University of Alabama. He holds several professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is committed to delivering value to his clients by continuously enhancing his knowledge and skill set to guide them toward achieving their financial goals. Outside of his professional work, Chad enjoys boating, fishing, football, golfing, hunting, running, skiing, soccer, traveling, and spending time with his family.

Phoenix Turner is a Series 66-licensed financial advisor with Merrill, based in Fairhope, AL, and has one year of industry experience. Prior to joining Merrill in 2024, Turner worked at Wells Fargo for nine years in various roles. 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 individuals, high-net-worth clients, and institutional investors.

Tanner Ragland is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America, N.A. since 2019. His prior experience includes roles at Regions Bank, Firebirds Woodfire Grill, Cygnal, and Auburn University at Montgomery. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Chilelli is a Wealth Management Advisor with Merrill Lynch Wealth Management in Fairhope, AL. He serves as the relationship manager for The Thompson Group, focusing on delivering a high standard of client experience and quality of service. David assists with wealth management and retirement planning aspects of the group, which primarily serves high net worth individuals including retirees and business owners. David's expertise includes comprehensive wealth management strategies that take into account the interrelationship between estate planning, investing, asset and liability management, and retirement. He emphasizes customized portfolio construction with a focus on retirement planning, wealth transfer, and tax minimization strategies. David holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and the Personal Investment Advisor (PIA) credential. He earned an MBA from Auburn University and a Bachelor's degree from the University of Massachusetts. Outside of his professional responsibilities, David is actively involved in community organizations such as Fairhope Rotary, the University of South Alabama Management Advisory Board, the YMCA of South Alabama, and Prodisee Pantry. He supports youth-oriented initiatives and maintains engagement with groups focused on giving back to the area.

Kelsie Fisher is a financial advisor with Merrill in Fairhope, AL, holding Series 63 and Series 65 licenses and bringing seven years of industry experience. Her prior positions include roles at Wells Fargo Clearing, Wells Fargo Bank NA, and PNC Bank. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Michael Samis is a Financial Advisor at Merrill Lynch Wealth Management. He works with clients to help define and achieve their financial goals, providing guidance on portfolio management, retirement income, and family wealth management strategies. His approach includes assisting clients in organizing their financial affairs and utilizing his experience in options trading to inform sound decision-making. He also helps clients anticipate and plan for potential life transitions. Mr. Samis holds a Bachelor's Degree in Finance from the University of Illinois Champaign-Urbana and earned the Personal Investment Advisor (PIA) designation. He is fluent in English and German. Outside of his professional role, Michael is married to his wife Holly and they have twin boys. He enjoys golfing, tennis, hockey, and spending time with his family. He is involved in his community as a coach for the Pensacola Jr Flyers 14u travel hockey team and coaches 10U travel baseball with Fairhope Fury.