Richard Streett V is a Financial Advisor at Merrill Lynch Wealth Management. He joined the firm in 2023 and focuses on retirement planning as well as assisting individuals and families with saving for college education and preparing for healthcare costs. Richard aims to help clients understand how various aspects of their financial lives interconnect to support their long-term goals. Richard holds a Bachelor of Science in Business Administration with a concentration in Finance and Portfolio Management from Coastal Carolina University. He has earned the Chartered Retirement Planning Counselor (CRPC) designation. Originally from Frederick, Maryland, he values staying connected to his community. In his free time, Richard coaches baseball at his former high school and participates in local running events such as 5Ks, 10Ks, and half-marathons.

Keenan Becker is a Wealth Management Advisor at Merrill Lynch Wealth Management with over a decade of experience in the financial services industry. He began his career at Merrill Lynch in 2012 and currently serves as a Senior Vice President based in Frederick, Maryland. His professional focus includes areas such as college education planning, divorce transition planning, executive compensation, retirement income, and services for endowments, foundations, and non-profits. Keenan has earned the CERTIFIED FINANCIAL PLANNER™ certification and the Chartered Retirement Planning Counselor™ (CRPC™) designation. He holds a bachelor's degree in Business Management from West Virginia University. He is committed to helping clients clarify and prioritize their financial goals and translating complex financial challenges into clear and concise plans. Outside of his professional responsibilities, Keenan is involved with community organizations including Special Olympics Maryland and Habitat for Humanity. He enjoys cooking, golfing, ice hockey, traveling, and spending time with his family in Gaithersburg, Maryland.

Davin Rudy is a Senior Financial Advisor at Merrill Lynch Wealth Management, providing personalized financial strategies to help clients pursue their long-term goals. He specializes in wealth management services including portfolio construction, education planning, liability management, tax minimization strategies, and cash management. Davin works closely with business owners, physicians, executives, individuals, and families across various stages of wealth. With over twenty-five years of experience in business and team management, Davin prides himself on being a dedicated professional and family man. He is a graduate of the University of Delaware and holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is proficient in both English and Spanish. Davin and his family have lived in Frederick, Maryland, since 2001. He is involved in community activities including Habitat For Humanity, FC Frederick, and Elite Feet Dance Studio. Outside of his professional life, he enjoys chess, drawing, football, genealogy, photography, soccer, spending time with his family, traveling, and watching movies.

Matthew Larsen is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on creating personalized financial strategies tailored to the individual goals and changing market conditions of his clients. His approach involves providing access to investment insights from Merrill and banking solutions from Bank of America to support his clients' wealth management needs. Matthew specializes in areas such as education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, and retirement income. He works with corporate executives, entrepreneurs, professionals, and their families to develop coordinated financial strategies that support their current lifestyle, retirement income, and legacy objectives. He earned his Bachelor's Degree in Finance from Salisbury University and is a member of several professional organizations including Beta Gamma Sigma Honor Society, Financial Management Association, and Sigma Phi Epsilon Fraternity. In February 2016, Matthew obtained the CERTIFIED FINANCIAL PLANNER® certification. He also holds designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional life, Matthew enjoys boating, golfing, ice hockey, spending time with his family, and traveling.

Annette Bratt is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, liquidity management, personal retirement planning, small business strategies, women and wealth, and retirement income. Annette utilizes the investment insights of Merrill and the banking services of Bank of America to address diverse aspects of her clients' financial lives, focusing on developing personalized financial strategies based on clients' individual goals. Annette began her career in wealth management at SunTrust in 2004 and joined Merrill Lynch Wealth Management in 2017. She holds a Bachelor of Science degree in Business Management from the University of Maryland. She has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). A native of the Washington DC region, Annette lives in New Market, Maryland with her husband and two children. Outside of work, she enjoys spending time with family and friends, participating in local 5k and 10k charity runs, and traveling to O’ahu. She and her team are actively involved in community initiatives where they live and work.

Teri Houp is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. She has been with Merrill Lynch since 2009. 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 both model-based and discretionary strategies managed by internal and third-party teams for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Baldecchi is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, N.A., and prior experience at Atlas Container Corporation among other positions. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sarah Godwin is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019. Her prior roles include positions at Magpie Fibers, Morgan Stanley Private Bank, Morgan Stanley, and SilverHaze Partners. 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 plans, corporations, and charitable organizations.

Rikki Bowser is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, Rikki works with clients to address complex financial challenges and help them optimize their resources for a better quality of life. Rikki's professional credentials include the Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) designations. Rikki holds a Bachelor's Degree from UC Davis. No additional personal or community information is available.

Matthew Pereira is a Series 66-licensed financial advisor at Merrill with six years of experience, including four years at Wells Fargo Bank N.A. prior to joining Merrill in 2020. He is based in Frederick, MD. 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 strategies for individual, high-net-worth, institutional, and nonprofit clients.

Tj Atkinson is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1988, also working at Bank of America since 2009. Outside of his advisory role, he owns and operates an equestrian business and agricultural real estate ventures in Maryland. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

Alexander Israel is a Financial Advisor with Merrill Lynch Wealth Management. He collaborates with individuals and families to develop personalized financial strategies aimed at building, preserving, and transferring wealth. His approach emphasizes simplifying complex financial decisions and focusing clients on their primary goals. He has experience in both the insurance and wealth management industries, offering a perspective that balances growth opportunities with protection and planning. Alexander works closely with clients on areas including retirement planning, saving for education, managing major life transitions, and overall financial guidance. His expertise encompasses college education planning, corporate benefits, divorce transition planning, family wealth management, philanthropic planning, and portfolio management services. Alexander holds a Bachelor's Degree from Towson University and holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional commitments, he engages in activities such as adventure sports, basketball, bowling, fishing, gardening, and skiing.

John Spahn is a financial advisor with Merrill in Frederick, MD, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Donna Lail is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63, Series 65, and Series 66 designations. Her prior work includes roles at M&T Bank and Bank of America, N.A. She is based in Frederick, MD. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Josephine Hoffman is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been involved in the investments industry since 2003 and joined Merrill Lynch in 2005. In her role, Josephine collaborates with individuals and businesses to pursue their financial goals, utilizing the banking services of Bank of America and Merrill’s investment resources to tailor investment strategies based on clients’ risk tolerance and objectives. Josephine holds a Bachelor of Science degree in Marketing with a minor in Finance from Pensacola Christian College and earned a Master’s Degree in Management and Leadership from Liberty University. She has attained several professional designations, including Chartered Special Needs Consultant (ChSNC), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her areas of expertise include personal retirement planning, legacy planning, special needs planning strategies, services for endowments, foundations, non-profits, managing new wealth, women and wealth, and retirement income. Beyond her professional responsibilities, Josephine is active in her community through volunteer work with organizations such as Frederick Baptist Church and The Scott Key Center. She is a member of The Scott Key Center and the Merrill Special Needs Network, supporting families of children with disabilities. Outside of work and community service, Josephine enjoys spending time with her husband and two daughters, engaging in outdoor activities like camping, hiking, and photography.

Edith Wennick is a financial advisor with Merrill, holding a Series 63 designation and over 40 years of industry experience. She has worked at Merrill since 1984 and at Bank of America, N.A. since 2009. Outside of her advisory role, she serves as President and Board Member of the North Point Condo HOA in Ocean City, Maryland. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeremy Kramer is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of The Wennick Kramer Group. He specializes in working with high-net-worth individuals, families, and business owners, providing services tailored to help them pursue their financial goals through a goals-based wealth management approach. Jeremy and his team focus on family wealth management strategies, personal retirement planning, portfolio management services, and supporting women and wealth. Jeremy began his career in financial services in 2007 and joined Merrill as a Financial Advisor in 2015. His professional experience is informed by over eight years as a volunteer EMT, which shapes his approach to financial advising by emphasizing preparation for unexpected events. His advisory process integrates investment management, risk mitigation, and forward-looking planning to help clients protect and grow their wealth. He holds a Bachelor's degree from the University System of Maryland and has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jeremy is fluent in English and Hebrew. In his personal time, he enjoys baseball, golfing, racquetball, skiing, spending time with his family, and traveling. He is also committed to community involvement through volunteer work.

Glenn E. Hain is a Wealth Management Advisor at Merrill Lynch Wealth Management. He and his team provide a full range of wealth management services to corporate executives and their families, utilizing the global resources of Merrill to address complex financial needs. Glenn has been with Merrill Lynch since 2004, bringing over 27 years of experience in the financial services industry. His expertise encompasses corporate benefit programs including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. Glenn works closely with clients to integrate their corporate benefits into long-term financial strategies, serving areas such as executive compensation, personal retirement planning, philanthropic planning, and tax minimization. Glenn holds a Master's Degree from Frostburg State University and a Bachelor's Degree from Mainsfield University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). Beyond his professional endeavors, Glenn is involved with community organizations such as the Blue Collar Project, the Boys & Girls Club of Frederick County where he served as Board Past Chair, and the Rotary Club of Frederick, MD. His personal interests include gardening, golfing, ice hockey, spending time with his family, and woodworking.

Christopher Hoult serves as a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management. In his role, he acts as a financial coach, building relationships that assist clients in navigating wealth management, estate planning, portfolio, and investment management. Leveraging the resources of Merrill and the banking services of Bank of America, he works with clients who prefer to delegate strategic investment planning as they pursue their life goals. Christopher has been with Merrill Lynch Wealth Management since 1989. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He holds a bachelor's degree from Shippensburg University. Christopher resides in Frederick County with his wife, Rixey, and their two adult children, Nick and Jessie. Outside of his professional work, he is involved in coaching youth sports and maintains a connection to the Governor Thomas Johnson High School community. His client focus areas include liquidity management, portfolio management services, and retirement income. Christopher's approach is guided by understanding clients’ life goals, risk tolerance, time horizon, and liquidity needs.

Brett Baile is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2023. Outside of his advisory role, Brett is a partial owner of Beaver Creek Country Club, a golf course in Hagerstown, MD, and has provided consulting services for a landscaping and snow removal company. Merrill, together 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 with model-based and discretionary investment strategies.

Cherie Edwards is a Private Wealth Advisor at Merrill Private Wealth Management and a member of The Orr Group. She works with a select group of clients including entrepreneurs, business owners, senior executives, multigenerational families, and private foundations. Cherie's role involves organizing and simplifying her clients' financial lives to help them focus on meaningful personal and professional pursuits. She began her career at Merrill in 1999 and is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Cherie graduated from East Carolina University with a bachelor's degree in Financial Services. Her expertise includes wealth planning strategies, analysis, portfolio reviews, and assisting clients with multigenerational family wealth dynamics and governance. Outside of her professional work, Cherie and her husband Shane have three children and are active in their local youth baseball program, often coordinating and volunteering. Her personal interests include baseball, boating, skiing, spending time with her family, and traveling.

Michael Dailey is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with individuals and families to pursue financial objectives through a focused and proactive approach to wealth management, emphasizing wealth accumulation, preservation, and the transition of assets to the next generation. Michael assists clients in simplifying complex financial challenges by taking time to understand their priorities. His expertise includes divorce transition planning, education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Michael holds professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael earned a Bachelor's Degree in Economics from the University of Maryland. A native of Maryland, he currently resides in Frederick, MD. In his personal time, Michael enjoys fishing, golfing, skiing, and spending time with his family.

William Orr is a Private Wealth Advisor at Merrill Private Wealth Management. He founded The Orr Group in 1989 to assist ultra-affluent families and individuals in managing significant wealth. William focuses on creating customized investment strategies, including investment planning, asset allocation modeling, and manager selection. He also guides clients in establishing family foundations and provides financial education for the next generations. A key component of his work involves collaborating with clients' external advisors, such as accountants and attorneys, to coordinate asset, liability, and wealth transition management strategies. William serves a select clientele comprising entrepreneurs, business owners, senior executives, multigenerational families, and private foundations. He is committed to building close, long-term relationships with clients and team members. William holds the Certified Investment Management Analyst® (CIMA®), Personal Investment Advisor (PIA), and Sports & Entertainment (SE) designations. He earned a Bachelor's Degree from Clemson University, where he developed a lifelong friendship with his business partner, Tim Mellott. In addition to his professional commitments, William is involved with the Frederick Memorial Signature Gifts Committee. His personal interests include biking, boating, golfing, hiking, skiing, and traveling.

Timothy Mellott is a Private Wealth Advisor at Merrill Private Wealth Management and a partner of The Orr Group. He specializes in developing strategies and recommendations for affluent individuals, business owners, professional organizations, and senior executives to help achieve their financial goals. His approach centers on creating tailored wealth management plans that align with clients' specific outcomes, timeframes, and risk tolerance, utilizing the extensive resources available through Merrill. Tim's expertise encompasses corporate executive services, family wealth management strategies, legacy planning, philanthropic planning, and investment strategy. He emphasizes a consultative and client-centered approach, focusing on understanding clients' financial circumstances, preferences, and objectives. He collaborates closely with clients' outside professional advisors to coordinate asset management, liabilities, and wealth transition strategies. He holds a Bachelor's Degree from Clemson University, where he also competed on the wrestling team alongside his business partner Bill Orr. Tim is actively involved in his community, participating in coaching and mentoring through the Fellowship of Christian Athletes. His personal interests include adventure sports, boating, fishing, gardening, golfing, hunting, skiing, and surfing.

Kiley French is a Financial Advisor at Merrill Lynch Wealth Management. She is dedicated to helping individuals and families achieve their financial goals through a personalized planning process that begins with understanding each client's unique situation, values, and goals. Kiley focuses on creating tailored strategies that align with clients' needs and lifestyles, empowering them to pursue what matters most. Kiley discovered her passion for financial advising while attending Pennsylvania State University, where she earned her bachelor's degree. She launched her career at Merrill Lynch upon graduation and built her practice with an emphasis on client education, believing that financial planning is most effective when clients understand not only what they are doing but why they are doing it. She holds the designation of Personal Investment Advisor (PIA). Residing in Boonsboro, Maryland, Kiley lives with her husband, daughter, two stepsons, and their dog, Diggs. Outside of her professional work, she enjoys cooking, golfing, hiking, spending time with her family, playing volleyball, and watching movies.