Gretchen Sanders is a financial advisor at Merrill with 26 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2014 and has concurrently worked with Bank of America, N.A. since 2018. 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 various institutions, with a focus on strategic asset allocation and tax-aware options.

Rebecca Frazier is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has been serving clients since 2010. She specializes in growing and preserving wealth for individuals, families, and business owners, focusing on areas such as college education planning, family wealth management strategies, retirement income, and socially responsible investing. Rebecca emphasizes integrity, honesty, and professionalism in managing her practice, aiming to help clients achieve both their financial and personal goals. Rebecca began her career in the financial services industry in 1991. She holds a Bachelor of Business Administration with an emphasis in marketing from East Tennessee State University (1991) and a Master’s in Business Administration with an emphasis in finance from King University (2014). Her professional credentials include the CERTIFIED FINANCIAL PLANNER® certification, Chartered Financial Consultant® (ChFC) designation, and Chartered Life Underwriter® (CLU) designation. She has been recognized multiple times by Forbes as one of America’s Top Women Wealth Advisors and included on the Forbes Best-in-State Wealth Advisors list for Tennessee. Additionally, she was named to the 2024 Forbes Best-in-State Wealth Management Teams list as part of The Frazier Group. Rebecca is involved with Therapy Dogs International and resides in Jonesborough, Tennessee with her husband, Tom, and their daughter, Alexandra, who is also part of her advisory team. Outside of work, she enjoys biking, cooking, gardening, hiking, music, running, swimming, traveling, yoga, and spending time with her family.

Alexandra Frazier is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 2017. She focuses on connecting all aspects of her clients' financial lives to help prioritize and pursue the goals that matter most to them. Alexandra provides investment advice aimed at making a positive impact on her clients' financial well-being. Her areas of expertise include college education planning, family wealth management strategies, personal retirement planning, women and wealth, and retirement income. Alexandra holds a Bachelor's degree from the University of Tennessee and a Juris Doctorate degree from Drake University Law School. While she does not offer legal advice in her current role, her background as an attorney informs her approach to estate planning, where she collaborates with clients' attorneys and Merrill trust and estate planning specialists. Alexandra holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. Outside of her professional work, she enjoys football, reading, spending time with her family, and is a passionate animal lover who spends time with her three Labrador retrievers and two cats.

Jennifer Elders is a financial advisor at Merrill with six years of industry experience. She holds the Series 66 credential and has previously worked at Edward Jones Investments, Hilliard Lyons, Baird, and Bank of America. She serves as a board member for the East Tennessee Foundation, advising on the allocation of resources based on the foundation’s governance policy. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Douglas is a Wealth Management Advisor with Merrill Lynch Wealth Management. He develops personalized financial strategies tailored to each client’s goals, leveraging insights from Merrill and solutions from Bank of America. His client focus areas include college education planning, family wealth management, legacy planning, retirement income, philanthropic planning, socially responsible investing, and tax minimization. John holds a bachelor's degree in Economics and a master’s degree in Business Administration from East Tennessee State University. He is a CERTIFIED FINANCIAL PLANNER™ certificant and a Personal Investment Advisor. In addition to his professional work, John dedicates time to volunteering in his community. His personal interests include fishing, football, reading, and spending time with his family.

Luke Elders is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, retirement planning, portfolio management, and investment strategy for individuals and small businesses. His approach focuses on creating personalized financial strategies tailored to clients' unique goals and circumstances. Luke holds a Bachelor's degree from Washington University in Saint Louis and holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). He emphasizes clear, one-on-one collaboration with clients to develop flexible and comprehensive wealth management plans. In addition to his advisory role, Luke is committed to community involvement, dedicating time to volunteer with local organizations. This engagement aligns with the Merrill tradition of serving the communities where advisors live and work.

Laura Campbell is a financial advisor at Merrill with 26 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at multiple firms including Clearwell Advisors, Wells Fargo Clearing Services, Captrust Financial Advisors, and Wells Fargo Advisors Financial Network. Campbell is based in Kingsport, Tennessee. 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 a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Adam Bratton is a Financial Advisor with Merrill Lynch Wealth Management, focusing on delivering personalized wealth management strategies tailored to each client's unique financial goals. He works closely with clients and their families to understand their full financial picture and develop flexible plans that adapt to changing market conditions and life priorities. Adam provides access to Merrill's investment insights alongside the banking and lending solutions of Bank of America. His areas of expertise include college education planning, family wealth management strategies, socially responsible and ESG investing, individual and corporate investment strategy, and retirement income planning. Adam holds the Accredited Asset Management Specialist (AAMS) and Personal Investment Advisor (PIA) designations. He earned both his Bachelor's and Master's degrees from East Tennessee State University. Outside of his professional work, Adam enjoys baseball, golfing, skiing, and spending time with his family. He emphasizes a collaborative planning approach aimed at helping clients pursue their financial goals with customized strategies that evolve over time.

Thomas Dixon is the Senior Resident Director and Wealth Management Advisor at Merrill, where he provides retirement education and strategies for individuals and businesses, in addition to philanthropic planning approaches. He plays a key role in organizing his team's overall structure and maintaining a client-centered focus. Since joining Merrill Lynch Wealth Management in 1997, Thomas has worked with a diverse client base, including many physicians and health professionals. His areas of expertise include college education planning, family wealth management, investment consulting for defined contribution plans, legacy and philanthropic planning, tax minimization, and retirement income strategies. Thomas holds both a Bachelor of Science and a Master of Business Administration degree from East Tennessee State University. He is a Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional work, Thomas enjoys basketball, fishing, reading, and spending time with his family.

Denise Depriest is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management strategies that help clients pursue their long-term financial goals. With over 30 years of experience, she serves individuals and families by focusing on wealth growth, management, preservation, and legacy planning. Her expertise encompasses areas such as college education planning, divorce transition planning, retirement income, portfolio management services, and employee financial health. Denise holds a Bachelor's Degree from Milligan College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She integrates the investment insights of Merrill and the banking convenience and lending solutions of Bank of America to provide comprehensive financial services to her clients. Outside of her professional role, Denise is involved with the Boys and Girls Club of Greater Kingsport Tennessee. Her personal interests include biking, camping, cooking, golfing, hiking, music, photography, reading, traveling, and yoga. Denise values family deeply and enjoys connecting with others through shared interests.

Carleen Harbin is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Her work history includes positions at R W Baird and Wood Construction & Remodeling. 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 plans, and charitable organizations.