Huntsville, AL Office

Lefranc Joseph is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he works closely with clients to define their financial goals and develop tailored portfolio strategies aimed at achieving those objectives. He provides ongoing advice and adapts strategies as clients' situations evolve. His areas of expertise include college education planning, legacy planning, managing new wealth, personal retirement planning, and retirement income. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations and has earned a Bachelor's Degree from Fairleigh Dickinson University. Lefranc communicates fluently in French and English and is involved with his local church community. Outside of his professional work, he has personal interests in basketball, music, running, and soccer.

Hayes Payne is a Financial Advisor with Merrill Lynch Wealth Management, based in Huntsville, Alabama. Since 2021, he has been assisting individuals, families, and business owners in making confident decisions about their financial futures. Hayes employs a disciplined, client-centric approach to wealth management, focusing on personalized strategies that align with each client's long-term objectives. In 2023, Hayes earned the Chartered Retirement Planning Counselor (CRPC) designation, supplementing his expertise alongside his Personal Investment Advisor (PIA) designation. He specializes in retirement planning, income strategies, legacy planning, tax minimization, and guiding clients through key financial milestones. Hayes leverages this knowledge to design tailored plans aimed at supporting financial confidence at every stage of life. Hayes holds a Bachelor's Degree from the University of Alabama. Outside of his professional work, he enjoys activities such as chess, cooking, fishing, football, golfing, hiking, hunting, music, and spending time with his family.

Richard Constantine is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on areas including college education planning, family wealth management strategies, services for defined benefit plans, investment consulting for defined contribution plans, sports and entertainment, tax minimization, and retirement income. He decided to pursue individual financial planning to assist people in addressing one of their biggest challenges: achieving financial goals. Richard approaches financial planning by considering the client's stage of life to create tailored plans aimed at making their financial objectives attainable. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree from Western Kentucky University. Richard engages with his community through involvement with organizations such as Burritt on the Mountain and the Miracle League of Huntsville. His personal interests include golfing, pickleball, spending time with his family, and traveling.

Bryan Paparella is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2003. With over 23 years of experience in the financial industry, Bryan provides comprehensive advice and guidance in asset allocation, professional portfolio management, retirement planning, and estate planning services. He prioritizes client welfare and aims to develop long-term relationships that go beyond individual transactions. Bryan's expertise covers a range of client focus areas including corporate benefits, divorce transition planning, employee benefits planning, family wealth management strategies, institutional and corporate benefit services, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree in Commerce and Business Administration from the University of Alabama. Bryan resides in Huntsville with his wife, Christina, and their three children, Preston, Meg, and Elle. He is involved in his community as a youth small group leader at First United Methodist Church and as a volleyball dad to his daughters.

Barnard Montgomery is a Senior Financial Advisor with Merrill Lynch Wealth Management. With over 15 years of experience in the investment industry, he provides tailored financial and wealth management strategies to individuals and businesses. His approach includes risk management analysis, retirement planning, wealth preservation, and small business strategies, aiming to help clients pursue their long-term financial goals through personalized solutions. Barnard holds a Bachelor of Arts degree in Psychology from Auburn University and is a Personal Investment Advisor (PIA). Throughout his career, he has worked with various financial institutions, including LPL Financial, Cetera Investment Services, First Tuskegee Bank, Regions Bank, and AmSouth Bank. He is also involved with professional organizations such as the Bessemer Area Chamber of Commerce and the Birmingham Business Alliance. Beyond his professional work, Barnard participates in community activities through his involvement with Kappa Alpha Psi Fraternity Inc., his church, and the YMCA. His personal interests include basketball, billiards, and yoga.

Lane Wilson is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has more than 25 years of experience in asset management, specializing in working with high-net-worth individuals and business owners. Lane's responsibilities include constructing, tracking, and analyzing client portfolios tailored to individual goals and needs. He is particularly skilled in exit planning, holding the Certified Exit Planning Advisor (CEPA) designation, and serving business owners with their exit planning strategies. Lane holds a Bachelor's Degree from Huntingdon College. His professional certifications also include the Personal Investment Advisor (PIA) designation. He is a member of the Exit Planning Institute and is involved in several community organizations, including Northeast Alabama FCA, Not One More Alabama, and Wellstone. Based in Huntsville, Alabama, Lane spends time volunteering with local charities. He enjoys hunting, fishing, and traveling. Lane and his wife Cheri have four daughters and enjoy spending time at the lake and hosting their large families.

Frank Drake is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been a financial advisor for over 30 years and joined Merrill Lynch in 2007. Frank specializes in helping clients define long-term financial goals and develop customized investment strategies that align with their personal and professional lives. His approach involves a disciplined process that aims to provide a consistent and personalized wealth management experience. He conducts regular reviews with clients to monitor progress and adjust strategies as needed to reflect any life or business changes. Frank holds the CERTIFIED FINANCIAL PLANNER™ (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc., and the Certified Investment Management Consultant℠ (CIMC) designation. He earned a Bachelor of Science degree in Business and Management from the University of Maryland. In addition to his financial career, Frank is retired from the U.S. Navy Reserve as a Senior Chief Petty Officer after 26 years of service on active duty and reserve. He is an active member of the Madison Rotary Club and has served as President of the Spring Lake-Brielle Rotary Club. Frank also volunteers with local food banks. Outside of his professional activities, he enjoys cooking, golfing, and reading.

Charles Jones is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2007. With a career in financial services beginning in 1995, Charles brings extensive experience in asset allocation, investment management, and retirement planning. He employs a consultative approach to wealth management, aligning financial strategies with clients' income and growth objectives. Charles is also a qualified Portfolio Manager, capable of developing personalized investment strategies that may include individual securities and third-party models. He holds the CERTIFIED FINANCIAL PLANNER™ certification, alongside designations as a Chartered Retirement Planning Counselor and Personal Investment Advisor. A native of Huntsville, Charles earned his bachelor's degree from the University of Alabama System. His community involvement includes leadership roles such as President Emeritus of the Kiwanis Club of Huntsville and service on the boards of several organizations like the New Hope Children's Clinic and the Huntsville Inner City Learning Center. Throughout his life, he has volunteered with various nonprofits and churches, contributing to community strengthening initiatives. Outside of his professional and community work, Charles enjoys fishing, gardening, music, and spending time with his family. He is married to Andrea Nelson Jones and they have one daughter, Ruby Claire Jones.

Tara Rousseau is a Financial Advisor at Merrill Lynch Wealth Management. She began her financial services career in 2009 and has since focused on providing customer service by actively listening to each client to understand their individual needs and goals. This approach allows her to develop comprehensive wealth management strategies tailored to each client. Her expertise includes areas such as education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Tara holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Alabama in Huntsville. Outside of her professional work, Tara enjoys football, ice hockey, music, reading, sewing, singing, and spending time with her family.

Thomas Todd is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial guidance and strategies tailored to client needs. His work focuses on wealth management services within the firm. Further details about his experience, education, and personal interests are not provided.

Tyler Johnson is a financial advisor with Merrill in Huntsville, Alabama, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America and several local school systems. Outside of his advisory role, he serves as a color commentator for Randolph High School football games and holds board memberships with the Huntsville Quarterback Club and PALS - Huntsville, a charity supporting local athletic programs. 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, retirement plans, corporations, and charitable organizations.

Tyler Hunt is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in assisting clients with a range of financial planning needs, including corporate benefits, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. He also provides guidance on small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Hunt earned a Bachelor's Degree in Finance from Jacksonville State University before beginning his career as a financial advisor. He holds the designation of Personal Investment Advisor (PIA). Growing up and residing in Huntsville, he has a strong connection to the local community and an understanding of the financial needs of families in the area. Outside of his professional role, Tyler enjoys fishing, football, golfing, music, running, skiing, spending time with his family, and traveling. He focuses on creating financial plans tailored to clients' individual goals and circumstances, emphasizing a practical and personal approach to financial advising.

Bradley Cardwell is a Senior Financial Advisor located at Merrill Lynch Wealth Management in Huntsville, Alabama. He has been in the financial services industry since 1999 and joined Merrill Lynch Wealth Management in 2006. In his role, he advocates for his clients, focusing on performing effectively and efficiently in their best interests through regular communication and a personalized approach. Mr. Cardwell assists clients in simplifying their financial affairs and pursuing market growth by providing access to a diverse range of global investments carefully aligned with individual investment goals. Through the combined strength of Merrill and Bank of America, he offers clients customized wealth management strategies supported by a team of specialists with expertise in investments, retirement, personal and business banking, lending solutions, trust and estate services, insurance, and business services. His client focus areas include retirement income, legacy planning, philanthropic planning, portfolio management, tax minimization, and college education planning. Bradley holds a Bachelor's Degree from Faulkner University and an Associate's Degree from the University of Alabama System. He is a Personal Investment Advisor (PIA) and a member of professional organizations such as the American Economic Association and the Chamber of Commerce. He is also a recipient of the Birmingham Civil Service Medal. Outside of his professional practice, he enjoys antiquing, biking, cooking, gardening, golfing, hunting, running, spending time with his family, playing tennis, and traveling.

Calvin James is a Wealth Management Advisor at Merrill Lynch Wealth Management in the Huntsville, Alabama office. He holds the title of Senior Vice President - Wealth Management Advisor and has been with Merrill Lynch since 1996. He specializes in serving individuals, families, and business owners by providing customized wealth management and retirement plans aimed at helping clients pursue both their short-term and long-term financial goals. Throughout his career, Calvin has focused on family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, tax minimization, and retirement income. He takes a hands-on approach to financial guidance and emphasizes the importance of keeping clients focused on their goals with a disciplined strategy. Calvin holds the Personal Investment Advisor (PIA) designation. Calvin earned a Bachelor's Degree in Chemistry and Math from the University of North Alabama. Outside of his professional work, he enjoys fishing, reading, and spending time with his family.

Walter Gantt is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in working with business owners, executives, physicians, and families approaching retirement who have accumulated meaningful wealth and seek a coordinated approach to managing their financial affairs. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, managing new wealth, personal retirement planning, philanthropic planning, small business strategies, sports and entertainment, tax minimization, and retirement income. Walter holds a Bachelor's Degree in Managerial Finance from the University of Mississippi. He has earned several professional designations, including Accredited Wealth Management Advisor (AWMA), Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His professional approach involves understanding clients' goals, identifying gaps or unnecessary complexity, and developing plans based on their priorities. He also serves on the Huntsville Hospital Foundation Development Council. Outside of his professional work, Walter enjoys football, golfing, hunting, tennis, and spending time with his family.