Franci Doroska is a financial advisor at Merrill with 13 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Merrill since 2014. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Adam Applegate is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a board member and fundraising chair for Cub Scout Pack 175 in Jeffersontown, 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Cristalle Vivona currently serves as a Financial Solutions Advisor (FSA) at Merrill Lynch Wealth Management. In her role, she collaborates with a team of specialists to provide goals-based wealth management services tailored to affluent families, accomplished professionals, and large institutions. Prior to her career in wealth management, Cristalle was a practicing attorney and a successful grant writer for a large local nonprofit organization. She holds a Bachelor's Degree from Bellarmine University and a Juris Doctorate Degree from the University of Kentucky. Cristalle is actively involved in her community, serving on the Bellarmine Alumni Board and participating in organizations such as Gilda's Club Kentuckiana and St. Edward Catholic Church. Outside of work, she enjoys traveling, reading, hiking, camping, and supporting local interests including the Bellarmine Knights and the city of Louisville.

Linda Marcukaitis is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined Merrill in 2014 as a part-time Client Associate and entered the Merrill Financial Advisor training program in 2017. In 2018, she became a fully licensed Financial Advisor and currently supports the team in her senior role. Linda’s expertise includes family wealth management strategies, personal retirement planning, and portfolio management services. She holds a bachelor's degree from Indiana University and an MBA from the University of Louisville. Additionally, she maintains Series 7 and 66 FINRA registrations and holds the Personal Investment Advisor (PIA) designation. Prior to joining Merrill, Linda worked in the banking industry. Outside of her professional work, Linda enjoys reading, traveling, and spending time with her family. She resides in Prospect with her husband, Brian, and their two children.

James Bowman II is a financial advisor with Merrill in Louisville, KY, holding Series 63 and Series 65 credentials and 40 years of industry experience. He has been with Merrill since 2007 and Bank of America, N.A. since 2009. 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 and profit-sharing plans, corporations, and charitable organizations.

Mark Dill is a Senior Financial Advisor and partner with Brennan & Associates at Merrill Lynch Wealth Management, a role he has held since 2018. His decision to enter the wealth management field was influenced by his personal experiences during the 2008-2009 recession. Mark holds the Certified Exit Planning Advisor (CEPA) and Certified Plan Fiduciary Advisor (CPFA) designations, credentials that support his expertise in guiding clients through multigenerational family planning and complex financial decisions. Born and raised in Lexington, Kentucky, Mark graduated from Henry Clay High School before attending Centre College. At Centre, he studied economics and finance, graduating Magna Cum Laude and Phi Beta Kappa. During his college years, he was a four-year member of the baseball team and led a student investment group managing a portion of the college's endowment. Mark is actively involved in his community, serving on the Board of Deacons at Calvary Baptist Church and volunteering with organizations including the Make-A-Wish Foundation and Kentucky Children's Hospital. He and his wife, Alison, reside in Lexington with their two children and enjoy activities such as golfing.

Phillip Gross is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Bank of America and Merrill since 2014. 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, pension plans, corporations, and charitable organizations.

Golnoush Esmaeily is a Financial Advisor with Merrill Lynch Wealth Management. She works with individuals and families to understand their current financial positions, define their goals, and develop personalized strategies to pursue those goals. Her approach emphasizes listening to each client's unique circumstances, concerns, and priorities to make financial decisions clearer and easier to navigate. Golnoush assists clients in various areas including retirement planning, wealth accumulation, education funding, estate and legacy considerations, and liquidity management. She also coordinates with specialists across Merrill and Bank of America to provide additional investment, banking, lending, and cash-management services as needed. Prior to her current role, Golnoush gained experience in accounting, focusing on individual, trust, estate, and gift taxation, which enhanced her analytical skills and perspective on wealth management. She holds a bachelor's degree in Business Economics and a Master of Business Administration from the University of Louisville. She also holds the Chartered Retirement Planning Counselor™ designation and the Personal Investment Advisor (PIA) designation. Golnoush is fluent in English and Persian. In her personal life, Golnoush enjoys cooking, gardening, interior decorating, pottery, reading, spending time with her family, and traveling.

Denise Holmes is a financial advisor at Merrill with Series 63 and Series 66 licenses and 40 years of industry experience. She has been with Merrill since 1983. 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 strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rebecca Thomas is a Wealth Management Advisor with Merrill Lynch Wealth Management. She works closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals. Her client focus areas include education planning, family wealth management strategies, legacy planning, philanthropic planning, women and wealth, tax minimization, and retirement income. Rebecca holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned her High School Diploma/GED from Doss High School. She follows the Merrill tradition of community involvement and volunteers with organizations such as Heuser Hearing & Language Institute and Northside Christian Church. In her personal time, Rebecca enjoys activities such as fishing, football, gardening, horseback riding, music, spending time with her family, watching movies, and practicing yoga.

Bethany Watkins is a Financial Advisor at Merrill Lynch Wealth Management. She holds the professional designation of CERTIFIED FINANCIAL PLANNER (CFP).

Kristen Daugherty is a financial advisor at Merrill with four years of industry experience. She holds a Series 66 designation and previously worked at First Kentucky Securities Corporation and Eye Level Films. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Braxton Day is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he provides personalized financial planning services, collaborating with clients to clarify financial goals, understand their overall financial situations, and implement tailored investment strategies aimed at maximizing assets and supporting long-term success. His client focus areas include family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and retirement income. Braxton holds Series 7 and Series 66 FINRA registrations. He has earned professional designations including the Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), and Personal Investment Advisor (PIA). These credentials reflect his knowledge in retirement planning, fiduciary best practices for plan sponsors, and plan governance. He holds a bachelor's degree in Marketing with a minor in Business from the Kelley School of Business at Indiana University. Braxton resides in Louisville, Kentucky, where he participates in sports such as tennis, pickleball, and golf.

Paul Oberst is a financial advisor with Merrill in Louisville, KY, holding a Series 66 designation and bringing nine years of industry experience. He has been with Bank of America and Merrill since 2016. Outside of his advisory role, Oberst serves as a joint trustee of the Oberst Gift Trust, a financial planning instrument. 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 individuals and institutions.

Lawson Brendle is a Financial Advisor with Merrill Lynch Wealth Management, specializing in working closely with clients to define their financial goals and develop personalized portfolio strategies. He focuses on areas including education planning, executive compensation, legacy planning, personal retirement planning, portfolio management services, and serving clients in the sports and entertainment sectors. Lawson emphasizes a client-centered approach, adapting financial plans as individual circumstances evolve. He holds a Bachelor's Degree and a Master's Degree from Auburn University at Montgomery. Lawson has earned several professional designations, including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His background reflects a commitment to collaboration and service, shaped by early experiences in sports and church community. Outside of his professional work, Lawson participates in community activities through Reality & Truth Ministries. His personal interests include basketball, football, golfing, table tennis, volleyball, spending time with family, and watching movies.

Lisa Clark is a financial advisor with Merrill in Louisville, KY, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has worked at Merrill since 2009 and has been associated with Bank of America, N.A. since 2017. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Ann East is a financial advisor at Merrill with 18 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Baird and Edward Jones. Outside of her advisory work, she co-owns a rental property with family members. 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, pension plans, corporations, and charitable organizations.

David Very is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 25 years of experience in financial advisory, specializing in working with financially astute clients who value factual information and seek to balance the benefits and risks of investment decisions. David's approach involves presenting clients with the pros and cons of various financial scenarios, allowing them sufficient time and information to make informed choices aligned with their goals. David's client focus includes areas such as college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, women and wealth, tax minimization, and retirement income. His advisory services cater to a diverse clientele including professors, engineers, accountants, physicians, attorneys, corporate executives, and multiple generations of families. He holds a Bachelor's Degree from Ball State University and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional role, David enjoys basketball, hiking, reading, running, and spending time with his family.

Steven Vincent is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he and his team assist clients and their families in achieving their financial goals. He provides support in navigating various financial circumstances, including planning for retirement and managing liquidity events. Steven's expertise focuses on areas such as divorce transition planning, personal retirement planning, portfolio management services, small business strategies, and individual and corporate investment strategies. He works closely with clients to identify their primary goals and needs, including asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning services. With a disciplined approach, he crafts customized financial strategies designed to help clients build, manage, and preserve their wealth. He holds a bachelor's degree from the University of Louisville and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In his personal time, Steven enjoys fishing, golfing, and traveling.

Chad McCauley is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR, Chartered Retirement Planning Counselor, Personal Investment Advisor, and Retirement Accredited Financial Advisor. Chad assists clients by developing strategies to manage their personal and business finances, with a focus on family wealth management, legacy planning, personal retirement planning, philanthropic planning, small business strategies, tax minimization, and retirement income. Chad has over 25 years of experience in the financial services industry. He earned a bachelor's degree from Bellarmine University. He lives in Louisville, KY with his wife Stacy and their two children. Chad is active in his community and serves on the board of directors for the Friends School and the Juvenile Diabetes Research Foundation. His personal interests include golfing, hiking, and spending time with his family.

Ganna Kravchuk is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in personalized wealth management strategies designed to align with clients' evolving financial goals and changing market conditions. Ganna focuses on areas including corporate benefits, divorce transition planning, family wealth management, retirement income, tax minimization, and small business strategies, among others. She holds a Personal Investment Advisor (PIA) designation and has completed an Accredited Certificate Program from the University of Louisville. Ganna earned both her Master's and Bachelor's degrees from Kiev National Linguistic University. Fluent in Ukrainian, Russian, and English, she utilizes her expertise to provide clear investment recommendations and financial advice tailored to individual client needs. Outside of her professional work, Ganna enjoys interior decorating, reading, traveling, and spending time with her family. Her approach centers on helping clients uncover what matters most to them and their families in order to pursue their financial objectives.

Sophia Guyton is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill since 2007. Outside of her advisory work, she and her husband deliver baby announcement signs to families in their neighborhood through a local small business, Louisville Storks. 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, providing model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kristy Wilson is a financial advisor at Merrill with Series 63 and Series 66 credentials and five years of industry experience. She previously worked at Edward Jones for 14 years and held positions at Humana and AJW Financial. Outside of her advisory role, she works occasionally as a delivery employee for DoorDash. 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, pension plans, corporations, and charitable organizations.

Erika Hughes is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has previously worked at Home Instead Senior Care and Kentuckiana Rheumatology. 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, and institutions.

Scot Hutcheson is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2008. He began his career in financial services in 1986 and is a licensed Certified Public Accountant. While he does not provide tax advice in his current role, he leverages his accounting background to coordinate tax minimization strategies with clients' CPAs, focusing on risk and wealth management strategies. He holds a bachelor's degree from Murray State University and is a CERTIFIED FINANCIAL PLANNER™ certificant. Scot also holds FINRA Series 6, 7, 26, 63, and 65 registrations. Additionally, he carries various professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is affiliated with the American Institute of CPAs and the Kentucky Society of CPAs. Scot serves on the board and as treasurer of Feeding America Kentucky's Heartland and is involved with St. James Catholic School. He resides in Elizabethtown with his wife, Rene, and their five children.

Erskine Courtenay is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been investing family assets since 1999 and joined Merrill in 2012. Erskine specializes in goals-based wealth management, working with families to integrate their personal values into financial planning. His approach includes collaborative development of value-based goals across income, investments, insurance, education, and wealth transfer, leveraging the global resources of Merrill and banking products through Bank of America, N.A. Erskine holds a Bachelor's and a Master's degree from George Washington University as well as a Master's degree from Thunderbird School of Global Management. He is a Chartered SRI Counselor (CSRIC) and a Personal Investment Advisor (PIA). He is a member of professional and community organizations including Rotary and the Louisville Society of Financial Analysts. Erskine is multilingual, speaking both French and English. Outside of his professional work, Erskine is engaged in community activities and maintains memberships with organizations such as Rotary. He lives in Louisville with his wife and family.

Solomon Belkin is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes positions at Bank of America, Central Bank and Trust Co, and the University of Louisville. 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, pension plans, corporations, and charitable organizations.

Lawrence Nagel is a Private Wealth Advisor with Merrill Private Wealth Management. He focuses on a wide range of client needs including family wealth management strategies, institutional consulting, legacy planning, liquidity management, socially responsible and ESG investing, tax minimization, and retirement income. Lawrence holds the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree from Hamilton College. Beyond his professional work, Lawrence has engaged in community service through leadership roles at the J.B Speed Art Museum, serving as a Governor from 2012 to 2016 and as a Trustee from 2016 to 2018, including a term as Chair from 2013 to 2015. Lawrence is a lifelong learner and enjoys fishing, skiing, spending time with his family, and playing tennis.

Scott Kelly is a financial advisor at Merrill in Louisville, KY, holding Series 63 and Series 65 licenses with 33 years of industry experience. He has been with Bank of America since 2011 and with Merrill Lynch, Pierce, Fenner & Smith Incorporated 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 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.

Brian Marcukaitis is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1995 with Paine Webber and has since accumulated over 26 years of experience advising clients at Merrill. He also serves as the Sales Manager for the Louisville, Kentucky Complex. In 2004, Brian earned the Certified Investment Management Analyst® (CIMA®) designation issued by the Investments & Wealth Institute™. Additionally, he holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) credentials. He maintains FINRA Series 7, 9, 10, 63, and 66 registrations. Brian's expertise includes divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Brian holds a Bachelor's Degree from Northern Illinois University. He resides in Prospect, Kentucky with his wife, Linda, and their two children, Isabella and Evan. His personal interests include boating, camping, fishing, golfing, skiing, and spending time with family.

Timothy Dunn Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on providing holistic financial advice to a select group of high net worth families, helping them maximize their wealth and implement asset protection and tax planning strategies. Timothy's approach emphasizes continuous guidance tailored to business owners, professionals, and affluent families to support their financial goals. Before joining Merrill, Timothy practiced as an estate and business planning attorney in Lexington for nearly a decade and served as managing partner of a regional law firm's Lexington office. He has expertise in areas such as estate planning, asset preservation, business succession planning, executive compensation, and tax minimization. Timothy holds FINRA Series 7 and 66 securities registrations and is licensed as a Life and Health Insurance Agent by the Commonwealth of Kentucky. Timothy earned a Bachelor of Arts degree in Economics and a certificate in Accounting from Eastern Kentucky University, as well as a Juris Doctor degree from the University of Kentucky College of Law. He holds several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA). Timothy is a member of the Kentucky Bar Association and has served on the boards of the Blue Grass Community Foundation and the Lexington Philharmonic Society. He is also actively involved with the Bluegrass Land Conservancy. In his personal time, Timothy enjoys golfing, running, and spending time with his family.

Marguerite Rowland serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 35 years of experience in the financial services industry, having worked with both institutional and individual clients. Her expertise includes investing advice and guidance, portfolio creation, financial goal setting, underwriting municipal bonds, corporate services for executives, management of equity and fixed-income portfolios, investment research, insurance, estate planning access, family trust services, and long-term care. Marguerite holds a Bachelor's degree from Centre College. She has earned several professional designations, including Certified 401(k) Professional (CkP), Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She resides in Louisville, Kentucky with her husband and their dog and is the mother of three children and grandmother to one. Marguerite is actively involved in community service, supporting organizations such as the Alzheimer's Association, the Association of the Louisville Orchestra, the Buckhorn Children's Foundation, and the Susan G. Komen Race for the Cure. Her personal interests include reading, hiking, boating, traveling, and needlepoint.

Lilli Whitlow is a Financial Advisor with Brennan, Dill & Associates at Merrill Lynch Wealth Management. Her career in wealth management was influenced by her close relationship with Mollie Brennan, an advisor at Brennan, Dill & Associates, which gave her an early appreciation for the impact that thoughtful financial guidance can have on individuals, families, and future generations. She earned a Bachelor of Business Administration in Finance from the University of Kentucky and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Lilli serves clients who often face complex decisions involving liquidity events, business transitions, retirement planning, wealth transfer, and long-term financial stewardship. Her expertise includes family wealth management strategies, legacy planning, liquidity management, women and wealth, and tax minimization. Lilli emphasizes understanding what matters most to each client and collaborates with clients and their professional teams to develop personalized strategies tailored to their unique circumstances. Her approach includes investment planning and broader conversations about family, legacy, and financial decision-making. She is a member of Southeast Christian Church. Outside of work, Lilli enjoys boating, cooking, interior decorating, spending time with her family, traveling, and practicing yoga.

Richard Corbett is a Wealth Management Advisor at Merrill Lynch Wealth Management in Lexington, Kentucky. With over 24 years of experience in financial advising, including eight years with Merrill Lynch, he specializes in providing tailored financial guidance. His expertise encompasses legacy planning, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Richard supports diverse client groups such as business owners preparing for exit or retirement, divorcees, widows, and widowers, retirees crafting lifetime income plans, and pre-retirees structuring retirement goals. He assists clients in designing financial strategies aligned with their values and guides them through the estate planning process. Richard holds a Bachelor's Degree from Western Kentucky University and maintains professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). He is a devoted husband and father of three, guided by his faith in Jesus Christ. He attends Southland Christian Church in Lexington, where he volunteers on the Guest Services Team. Outside of his professional role, Richard enjoys playing golf, following sports programs such as University of Kentucky Wildcats Football and Basketball, traveling, and spending time with his family. He is also involved with organizations like Southland Christian Church and Business Networking International.

Susan Cassell is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. She specializes in providing personalized wealth management strategies to individual clients, focusing on areas such as family wealth management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Susan graduated Cum Laude from the University of Kentucky in 1999 with a Bachelor of Science degree in Economics and Finance. During her studies, she interned in retail, operations, and trust departments at a local bank. After graduation, she worked in trust operations and portfolio management at regional banks managing funds for non-profit and institutional clients. Pursuing professional development, she earned the Chartered Financial Analyst (CFA) designation in 2004 and holds additional credentials including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Lexington, Kentucky, Susan balances her career with family life, raising two children and caring for a dog. She values continuous learning and aims to support her clients in making sound financial decisions tailored to their individual goals. Additionally, she dedicates time to volunteer work within her community, reflecting the tradition of community participation upheld by Merrill.

Don Hardison is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 19 years of experience in the financial services industry. Since joining Merrill in 2017, he specializes in serving the wealth management needs of business owners, corporate executives, non-profit institutions, and entrepreneurs. Don focuses on developing personalized strategies for clients, their families, and businesses to help pursue both short- and long-term financial objectives. He holds a Bachelor of Business Administration degree in Finance and a Bachelor of Science degree in Sociology from the University of Kentucky, as well as an MBA in Applied Management from Indiana Wesleyan University. Don is a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His advisory approach includes developing and managing customized portfolios with individual stocks, bonds, ETFs, and non-correlated assets. Don is involved with the American Lung Association - Louisville Chapter and participates in several professional and community organizations including the Financial Professionals Organization and the University of Kentucky Alumni Association. He is committed to collaborating with clients to create strategies aligned with their financial goals.

Edward Thomas is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been working since 2014. He collaborates with his team's senior partner, Becky, a CFP® professional with extensive industry experience, to build client relationships and streamline financial strategies tailored to clients' risk tolerance, time horizon, liquidity needs, and investment goals. Edward began his career at Merrill as a Client Associate, gaining comprehensive knowledge of compliance and client administrative requirements. Edward's expertise encompasses areas such as college education planning, family wealth management, retirement income, liquidity management, socially responsible investing, and tax minimization. He holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his High School Diploma from Floyd Central High School. Prior to his financial advising career, Edward had a business background specializing in automobile sales and customer service. He has also served as a volunteer firefighter and training officer for the Greenville Township Volunteer Fire Department. Edward lives in Georgetown, Indiana, with his wife Jennifer, their four children, and two pets. His personal interests include boating, fishing, hiking, reading, traveling, and spending time with his family.

Phillip Gross is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1981, concurrently associated with Bank of America, N.A. since 2009. He maintains an outside business involving general brokerage activities in Louisville, Kentucky. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, and brokerage services. The firm integrates a wide range of program strategies and manager-constructed portfolios, supported by oversight from its Chief Investment Office and a close affiliation with Bank of America’s broader banking and capital markets platform.

Sarah Huelsman is a Wealth Management Advisor based in Louisville, Kentucky, affiliated with Merrill as a Resident Director. She brings nearly two decades of experience in the financial industry, focusing on areas such as college education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, socially responsible investing, and supporting women and wealth. Sarah holds Series 7 and 66 FINRA registrations as well as professional designations including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). She earned a bachelor's degree in economics from Centre College and an MBA from the University of Louisville. Sarah balances her professional career with an active family life, residing in St. Matthews, Kentucky with her husband and two children. Her personal interests include fishing, reading, spending time with family, traveling, and watching movies. Sarah is involved in her community through volunteer work at Holy Trinity Catholic Church and is a member of The Fillies Inc. She has a particular appreciation for Derby season as part of her local engagements.

Steven Holley is a Senior Financial Advisor at Merrill Lynch Wealth Management in Louisville, Kentucky. He joined Merrill Lynch in May 1995 after completing a 20-year career as an officer in the United States Army. Steven holds a Master's Degree in Business from Webster University and a Bachelor of Science Degree from the University of Kentucky. He is also a Personal Investment Advisor (PIA). With 30 years of experience as a Wealth Management Advisor, Steven assists clients in areas such as college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, tax minimization, and retirement income. His approach emphasizes building lasting relationships based on trust and competence through objective development, risk assessment, plan implementation, and results tracking. Steven collaborates with clients' attorneys, accountants, and other advisors to coordinate financial and legacy strategies. Outside of his professional role, Steven is married to his wife Faye, and they have two daughters who are part of the Holley, McCauley & Associates team. The family has been active members of the Westport Road Church of Christ for 30 years. Steven enjoys adventure sports, chess, hiking, hunting, spending time with family, and traveling.

Amanda Fry is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined Merrill in 2017 and brings over 15 years of experience in the financial services industry. Prior to her current role, Amanda spent a decade performing financial analysis at the Defense Finance and Accounting Service. She specializes in wealth management strategies, including college education planning, retirement income, tax minimization, and managing new wealth. Amanda holds a Bachelor’s degree in Business Management from Purdue University and a Master of Business Administration from Indiana University. She is also a Personal Investment Advisor (PIA) and is affiliated with professional organizations such as Alpha Gamma Delta and Southeast Christian. Outside of work, Amanda enjoys spending time with her family, watching her children’s sports activities, running, and traveling.

Justin Skaggs is a financial advisor with Merrill in Louisville, KY, holding Series 63 and Series 66 designations and having 10 years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of finance, he serves as District Manager for Trinity Restaurant Group, overseeing five full-service restaurants. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mollie L. H. Brennan is a Wealth Management Advisor with Merrill Lynch Wealth Management, having joined Merrill as a Financial Advisor in 1994. She holds the Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA) designations. Mollie studied at the University of North Carolina at Chapel Hill and Western Kentucky University, where she earned a Bachelor's degree in Marketing and Economics. Mollie specializes in family wealth management strategies, legacy planning, liquidity management, and women and wealth. She brings extensive experience working with business owners and executives, helping clients navigate complex financial decisions. Mollie is recognized for her attentive listening, transparency, and strategic insights in creating customized financial strategies. She has served as the Senior Resident Director for Merrill's Lexington branch. In addition to her professional work, Mollie is active in her community, having served as Chair of the Children's Charity Fund of the Bluegrass and Chair of Finance and Budget for Calvary Baptist Church. She currently serves on the board of the Baptist Health Foundation. Mollie resides in Lexington with her husband, Buck, and their three children.

London Smith is a financial advisor with Merrill and holds Series 63 and Series 65 credentials. He has 28 years of industry experience and has worked at Merrill since 2009 and Bank of America, N.A. since 2013. Outside of his advisory role, Smith is a co-owner of a for-profit S-corporation called Guiseppi & Dom Inc, which operates under the name Come Back Inn. 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 a range of model-based and discretionary investment strategies for individual and institutional clients.