Michael Carrier is the sole advisor at Michael S. Carrier & Associates, Inc., an independent firm based in Highlands, NC. He holds a Series 65 designation and has 27 years of industry experience, having led his firm since 1997. Michael S. Carrier & Associates provides investment advice and portfolio management primarily to individuals, trusts, and small businesses. The firm tailors portfolios based on client profiles and conducts ongoing reviews, managing accounts on a discretionary basis without imposing a firm-wide minimum account size.

Donald Mcclellan is a financial advisor with Covenant Investment Solutions LLC in Highlands, NC, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. Prior to founding Covenant Investment Solutions in 2018, he worked at Pruco Securities LLC for three years. He serves as a board member and president of the Highlands Historical Society and is a member of the Rotary Club of Highlands. Covenant Investment Solutions LLC provides discretionary and non-discretionary portfolio management and investment advice to individuals, high-net-worth clients, charitable organizations, and business entities. The firm employs tailored strategies based on clients’ objectives and risk tolerance, utilizing proprietary model portfolios and a combination of fundamental, technical, and cyclical analysis.

Dave Mccoy is a financial advisor with Freedom Capital Advisors Inc. and holds the Series 63 and Series 65 designations. He has 34 years of industry experience. In addition to his advisory role, he serves as COO of Steam Monsters Inc, an online gaming platform, where he focuses on growth and expansion. Freedom Capital Advisors provides investment advisory and financial planning services primarily to individual investors, joint accounts, IRAs, trusts, and corporate accounts. The firm follows a conservative, value-driven investment approach emphasizing income generation and risk-adjusted returns, utilizing a combination of fundamental, technical, and macroeconomic analysis.

David Tice is a financial advisor with Moran Tice Capital Management LLC, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. He previously worked at Ranger Alternative Management, LP from 2020 to 2024 and has been involved with Tice Capital, LLC since 2011, where he serves as Chief Executive Officer providing consulting services on macro themes to investment firms and professionals. Moran Tice Capital Management LLC offers discretionary portfolio management primarily for accredited, high-net-worth, and institutional investors through private pooled investment vehicles and separately managed accounts. The firm focuses on long/short equity strategies with an emphasis on precious-metals equities and employs research-driven trading with full discretionary authority across its funds and accounts.

Thomas Dundorf is a CFP® with 36 years of experience in financial advising. He is currently with Family Wealth Partners, LLC and has held positions at Family Wealth Counselors of The Carolinas, LPL Financial, and Independent Advisor Alliance. Dundorf is also the sole member of FWP RE & FS, LLC, a real estate rental business. Family Wealth Partners is an SEC-registered advisory firm serving individuals, business entities, charitable organizations, and pension/profit-sharing plans. The firm offers discretionary investment management, financial planning, pension consulting, and estate plan coordination, utilizing a range of investment strategies including traditional and alternative assets tailored to clients’ financial goals and risk tolerances.

Michael Denti is a financial advisor at Summit Financial, LLC with 41 years of industry experience. He has held positions at Merrill and Bank of America, NA, and joined Summit Financial in 2023. Denti holds Series 63 and Series 65 licenses and conducts insurance sales through various insurance companies, including an affiliated firm. Summit Financial, LLC is an SEC-registered, multi-team advisory firm managing approximately $26.35 billion in assets for around 17,800 clients. The firm offers a range of investment advisory and portfolio management programs, financial planning, and retirement plan advisory services, operating both discretionary and consultative platforms.

Michael Wiercinski is a financial advisor with Kestra Advisory, holding a Series 66 designation and bringing 18 years of industry experience. Prior to joining Kestra Advisory in 2019, he worked at Wells Fargo Advisors and Wells Fargo Clearing from 2010 to 2019. He serves as president of Mountain Rock Wealth Management and is a member of the Parish Finance Council at St. Francis of Assisi Catholic Church. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors, institutional, and individual clients, offering a range of services including fiduciary consulting, plan design, and investment advice with access to multiple management platforms and third-party solutions.

Bill Harwood is a financial advisor with Independent Advisor Alliance, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at LPL Financial, LLC since 2003 and joined Independent Advisor Alliance in 2017. He has taught financial planning seminars for medical residents and provides tax preparation services for his investment clients. Independent Advisor Alliance serves a diverse client base, including individuals, small businesses, charitable organizations, and retirement plans, offering a range of services such as asset management, financial planning, and retirement plan consulting. The firm combines discretionary and non-discretionary portfolio management with technology-driven tools and maintains unique industry connections through its network model and affiliations.

Alexander Harrison is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 27 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 25 years before joining Commonwealth and Aegis Consulting Group, where he is co-owner and vice president. Harrison is also a co-author of the book "Master Your Financial Success." Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and comprehensive back-office support, including investment management, compliance, and technology services.

Lincoln Geltz is a financial advisor with SPC in Salem, SC, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 23 years before joining Sigma Financial Corporation. Geltz is also involved with Infinity Counsel Group P.C., where he dedicates significant time to securities business. SPC serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans, offering portfolio management, financial planning, and ERISA-related services. The firm provides discretionary management with various investment options and maintains unique affiliations allowing for a broader range of retirement services.

Stephen Cameron is a financial advisor with Valic Financial Advisors in Franklin, NC, holding Series 63 and Series 65 credentials and over 35 years of industry experience. He has been with Valic Financial Advisors since 1998. Outside of his advisory role, he leads kayak tours as a 1099 employee. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, wrap programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Katherine Gordon is a financial advisor with PNC Wealth Management in Franklin, NC, holding a Series 66 license and 10 years of industry experience. She previously worked at Fidelity Brokerage Services LLC from 2014 to 2017 before joining PNC Investments, where she has been since 2017. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithmic questionnaires to recommend investment strategies. The firm employs third-party managers for portfolio implementation and offers services primarily to employees through this pilot program.

Kyle Maxwell is a financial advisor at Rockefeller Financial LLC with 21 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Rockefeller Financial in 2022, he worked at Bank of America, N.A. for 13 years and Merrill for 17 years. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm offers discretionary and non-discretionary portfolio management, financial planning, consulting, and operates as a registered broker-dealer providing securities transactions, variable insurance products, and investment banking services.

York Mendoza is a Series 66-licensed advisor with two years of industry experience. He is currently with LPL Financial, having held previous roles at Ameriprise, SagePoint Financial, and Pearson Financial Group, among others. Outside of his advisory work, he has engaged in traveling and playing soccer. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services through a large network of investment adviser representatives, utilizing various investment strategies and operational tools.

Samuel Morse Jr is a financial advisor at Stifel with 31 years of industry experience. He has been with Stifel since 2009 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is involved as a managing partner and trustee in family-owned real estate and investment-related partnerships. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Jerry Cline is a financial advisor with OSAIC who holds a Series 63 designation and has 41 years of industry experience. He has been with OSAIC since 2016. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm employs various asset-allocation tools and third-party solutions to construct diversified portfolios and supports legacy platform programs and transitions.

Joseph Palma is a financial advisor with Raymond James Financial, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at American Portfolios Financial Services, Inc., OSAIC, Commonwealth Financial Network, and Angelo Planning Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and charitable clients. The firm offers non-discretionary planning and uses analytical tools such as risk profiling and probability modeling to tailor recommendations to client goals.

Robert Vingi Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Outside of his advisory role, he hosts a personal podcast unrelated to his business activities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

George Thornhill is a CFP® professional with 44 years of experience in the financial industry, currently serving at LPL Financial since 2026. He previously worked at UBS Financial Services Inc. for 18 years and held positions at Morgan Stanley and Morgan Stanley DW Inc. Thornhill is involved in various business ventures, including agriculture, food distribution, and community organizations, and serves as treasurer for the charity Heart 4 Winter Haven. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with technology tools and managing over $819 billion in discretionary assets.

Todd Holder is a financial advisor with Edward Jones in Highlands, NC, holding a Series 66 designation and five years of industry experience. He has worked at Edward Jones since 2020 and previously was associated with Dan Gilbert Insurance Agency and operated a personal advisory practice from 2013 to 2020. Outside of his advisory work, he has involvement with churches, retirement centers, and individual students. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and is noted for its extensive advisor and branch network as well as its range of affiliated services beyond traditional advisory offerings.

Wesley Thompson serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the Professional Investment Advisor (PIA) designation. Wesley attended Southern Methodist University without earning a diploma and later earned a Bachelor's Degree from the University of Alabama System.

Justin Souma is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at LPL Financial. His career includes prior roles at Benjamin F. Edwards & Co, Wells Fargo Clearing, and A.G. Edwards & Sons, Inc. In addition to his advisory work, he is a business owner of Seven Oaks Farm at Hickory Ridge, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment solutions including model portfolios, third-party asset management, and institutional platforms.

Ronald May is a CFP® professional with 48 years of experience in the financial services industry. He is currently with Raymond James Financial Services Advisors, Inc., where he has worked since 2021, following a 13-year tenure at Wells Fargo Advisors. He is also a 70% owner of May Wealth Advisors Raymond James, an independent business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work, along with specialized advisory programs.

Walker Gaultney is a financial advisor at OSAIC with 44 years of industry experience. He has held roles at Securities America Advisors, Inc. and Securities America, Inc. from 2001 to 2024, and has operated his own practice since 1983. Additionally, he is involved in life insurance sales as an agent. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers a range of integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party resources to construct portfolios across various asset classes.

William De Wandeler is a CFP®-certified financial advisor with Edward Jones, based in Franklin, NC, with 19 years of industry experience. He has worked at Edward Jones since 2009. Outside of his advisory role, he is a co-owner of a used bookstore, A Novel Escape, in Franklin. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and has a nationwide network of over 23,700 financial advisors.

Keriann Mitchell is a financial advisor with Ameriprise in Franklin, NC, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She previously worked at FSC Securities Corporation before joining Ameriprise in various capacities since 2018. Outside of her advisory role, Mitchell is involved in local community activities as Treasurer and Secretary of the Cowee Woods Property Owners Association and owns a home repair business. Ameriprise offers a retirement-income planning service targeting individuals near or in retirement with substantial investable assets, providing tailored, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. As a large institutional firm, Ameriprise delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Mark Friedrich is a CFP® with 33 years of industry experience. He is currently with LPL Financial and previously worked at Ic Advisory Services Inc and The Investment Center. Outside of his advisory role, he is involved with Friedrich Financial, focusing on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment services through a large network of advisors.

Carla Erikson is a financial advisor at Morgan Stanley with Series 63 and Series 65 licenses and 43 years of industry experience. She worked at Merrill from 1982 to 2017 before joining Morgan Stanley and its Private Bank in 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with comprehensive financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis.

David Gregg is a Senior Financial Advisor at Merrill Lynch Wealth Management in Sarasota, Florida. He has been with the firm since 1993 and works primarily with retired or soon-to-be retired clients, focusing on helping them identify and attain their financial and aspirational goals. With over 30 years of investment experience, David offers personalized attention and customized investment recommendations that include asset management, tax-efficient strategies, educational funding, and wealth preservation. He combines his expertise with insights from Merrill’s analysts and strategists, as well as the banking resources of Bank of America, to address the many aspects of his clients’ financial lives. David holds a Bachelor of Science degree in Business Administration, with a focus on Economics and Finance, from Bowling Green State University and is a Personal Investment Advisor (PIA). David has been involved in community activities such as serving on the board of the YMCA and volunteering at Mote Marine Laboratories. He and his son are avid scuba divers who enjoy boating and travel. They also share an interest in ballet and opera, with his daughters participating in the Sarasota Ballet Conservatory and Sarasota Youth Opera.

Benjamin Rodriguez is a financial advisor at Edward Jones with five years of industry experience. He holds a Series 66 designation and previously worked at Entegra Bank from 2015 to 2020 before joining Edward Jones in 2020. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Mary Beth Brody is a financial advisor at Ameriprise with 28 years of industry experience. She previously worked at Edward Jones for nine years and has been with Ameriprise since 2022. Brody serves on a local board of directors in Highlands, North Carolina. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Andrew Norton III is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Stanberry Insurance Inc, Credit Union Investment Services, Secu Brokerage Services, Secu Life Insurance Company, and State Employees' Credit Union. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers detailed, goal-based planning across various financial topics and allows clients to integrate planning with managed account services under a consolidated billing option called WealthPlan.

Olivia Swift is a financial advisor with Edward Jones in Franklin, NC, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2025, she worked at First Citizens Investor Services and Equitable Advisors LLC. Outside of finance, she has experience in small business operations, including working at Renee's Cake Shoppe. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non‑high‑net‑worth and high‑net‑worth households. The firm manages approximately $1.01 trillion in assets under management and offers a wide range of advisory programs, investment strategies, and affiliated financial services through a nationwide network of more than 23,700 advisors.

Darcie Guerin is a financial advisor with Raymond James & Associates, holding Series 63, 65, and 66 licenses and bringing 39 years of industry experience. She has been with Raymond James since 2004. Outside of her advisory work, she owns DPG Insights, a business not related to investments. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

John Watts is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes prior roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of advising, he serves as president of the Pinnacle Ridge Association, Inc., a nonprofit organization. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipalities, providing tailored financial planning and non-discretionary investment consulting supported by extensive research and a range of portfolio management styles.

William Murphy is a financial advisor at UBS Financial Services with 52 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Mark Smith is a financial advisor with Stifel, holding a Series 63 designation and 39 years of industry experience. He has worked at Stifel Nicolaus since 2013, following roles at Morgan Stanley and Citigroup Global Markets. Outside of his advisory work, he is president of Mark A Smith Aircraft Sales, a business involved in aircraft sales. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning, with clients retaining discretion over implementation.

Erik Selness is a CFP®-designated financial advisor with Raymond James Financial, bringing 18 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2015. Outside of his advisory role, Selness serves on the finance and investment committee of the First Presbyterian Church of Highlands, assisting with the management of church endowments. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a wide network of advisors with institutional and municipal advisory services.

William Barr is a CFP® professional with 37 years of experience in financial advising, currently serving at Edward Jones since 1988. He holds the Series 63 and Series 65 licenses and is based in Franklin, NC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Marty Cline is a financial advisor with OSAIC in Salem, SC, holding Series 63 and Series 66 credentials and having 15 years of industry experience. He has been with Royal Alliance Associates, Inc. since 2016. OSAIC serves a broad mix of retail and institutional clients through a large network of financial advisers and offers integrated brokerage, investment advisory services, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and automated rebalancing to manage portfolios that may include various securities and alternative investments.

Russell Hawkins II is a CFP® and holds a Series 66 license, serving as a financial advisor with Edward Jones in Franklin, NC. He has 14 years of industry experience and has been with Edward Jones since 2011. Outside of his advisory role, he owns and manages a residential rental property. Edward Jones is a full-service wealth management firm serving individual and institutional clients with comprehensive investment advisory programs and a broad national presence. The firm offers a range of managed solutions, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Clay Rucker is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Raymond James & Associates since 1997. Rucker serves on advisory boards for the Church of the Incarnation and the Highlands Cashiers Health Foundation, focusing on finance and investment committees. Raymond James & Associates is a large, dual-registered broker‑dealer and investment adviser serving a broad client base including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a range of portfolio management styles and extensive affiliated research.

Edward Krakovsky is a ChFC® credentialed financial advisor with 30 years of industry experience. He has worked at Cetera and its affiliates since 2013 and currently serves as a consultant with Grace Hayden MacNaught, assisting with the transition of client books. Cetera Investment Advisers LLC is an SEC-registered adviser that provides a broad range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers multiple program structures and access to both affiliated and unaffiliated money managers, managing over $256 billion in assets across more than 10,000 advisors.

Granville Younce is a Certified Financial Planner® with 31 years of experience in the financial industry. He has worked with Wells Fargo since 2011, initially at Wells Fargo Advisors LLC before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a range of investment and financial products supported by research and analytics.

Charles Strickland Sr. is a ChFC®-designated financial advisor with 41 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has previously worked at Lincoln Financial Securities Corporation, Invest Financial Corporation, and Jefferson Standard Life Insurance Company. Outside of his advisory role, he serves on the boards of Nantahala Bank & Trust Company and Provision Financial Resources of NC Baptists, and volunteers with Truett Baptist Church. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing various investment platforms and proprietary and third-party strategies.

Wesley Mckenna is a financial advisor with LPL Financial in Salem, SC, holding Series 63 and Series 65 credentials and having 28 years of industry experience. He previously worked at Nationwide Advisory Services, Inc. for 18 years before joining LPL Financial in 2017. Outside of advisory work, he owns an insurance agency, McKenna Agency, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of advisory services and platforms, combining large-scale financial activities with a broad advisory network.

Gary Brown is a financial advisor at Merrill with 43 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 1982, including a concurrent role at Bank of America since 2017. 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, corporations, and charitable organizations.