Kelly graduated magna cum laude from the University of Alabama and joined Merrill in 1987. During her career, she has served as the local investment coordinator as well as trainer for new financial advisors. Kelly is passionate about educating clients and the community on the importance of sound wealth management strategies. In recognition of her outstanding achievements in superior client service and commitment to excellence, Kelly has received the esteemed David Brady Award from Merrill. Kelly has been interviewed by Working Mother magazine for her money management tips for children and recognized by local media for her community involvement and professional success. She is also a recipient of SHOOK Research and Working Mother magazine's inaugural "Top Wealth Advisor Moms" in 2017. She has continued to receive this award in 2018, 2019, 2020 and 2021 (Published annually Sept – Oct. Rankings based on data as of Mar 31
of current year). In addition, she has been named in Forbes' "Best-In-State Advisor" list in 2018, 2019, 2020, 2021 and 2022 (Published annually Jan – April. Rankings based on data as of June 30 of prior year). Kelly was also named to the 2020 and 2021 Forbes' “America’s Top Women Wealth Advisors” lists (Published annually Feb – April. Rankings based on data as of June 30 –September 30 of prior year), and most recently, she was named to Forbes "Top Women Wealth Advisors Best-in-State list for 2022 (Published on February 4, 2022. Rankings based on data as of Sept 30, 2021).* Kelly also holds the Certified Plan Fiduciary Advisor designation.

Outside of the office, Kelly has been recognized for her outstanding work in the community. She served as the local ambassador family for the March of Dimes to spread awareness of their mission to promote healthier babies. Kelly was chosen to represent the March of Dimes nationally in Washington, D.C. to speak on behalf of the Preemie Bill. Combining her passion for the cause as well as community outreach, Kelly was locally selected to be the spokesperson for the NICU advertising campaign at the Med. She also serves on the Philanthropy Advisory Board for BRIDGES and is a charter member of the Community Foundation of Memphis’s Navigator Society. In addition, Kelly is a member of Regional One's women's auxiliary, One Club. Recognized for her contributions and entrepreneurship, she has served on both regional and national panels discussing women and leadership.  She is also actively involved with Germantown High School, and she has volunteered as a program host for the last 20 years.

*The David Brady Award is an internal award honoring David Brady, who lost his life in the World Trade Center attacks of September 11, 2001.  David was a man who exhibited a high standard of excellence and commitment to his clients.  The award is given annually to Wealth Management employees who best demonstrate the spirit of partnership and what it means to go beyond expectations in their dedication and commitment to clients.

*Source: The Forbes “Best-in-State Wealth Advisors” list, published annually Jan - April. Rankings based on data as of June 30 of prior year.

Data provided by SHOOK® Research, LLC. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based
on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry
experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management
and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and
advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the
right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is
not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking.
For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.

*Source: The Forbes “America’s Top Women Wealth Advisors” list, published annually Feb - April. Rankings based on data as of
June 30 - September 30 of prior year.

Data provided by SHOOK® Research, LLC. Forbes.com America’s Top Women Advisors ranking was developed by SHOOK Research
and is based on in-person, virtual and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a
ranking algorithm that includes: client impact, industry experience, review of best practices and compliance records, firm nominations;
and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a
criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and
rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or
representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research
receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is
a registered trademark of SHOOK Research, LLC.

*Source: The Forbes “America’s Top Women Wealth Advisors Best-in-State” list, published on February 4, 2022. Rankings based on data as of
Sept 30, 2021.

Data provided by SHOOK® Research, LLC. Forbes.com. America’s Top Women Advisors ranking was developed by SHOOK Research
and is based on in-person, virtual and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a
ranking algorithm that includes: client impact, industry experience, review of best practices and compliance records, firm nominations;
and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a
criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and
rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or
representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research
receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a
registered trademark of SHOOK Research, LLC.

*Source: Working Mother/SHOOK Research’s “Top Wealth Advisor Moms” list, published annually Sept - Oct. Rankings based on data as
of Mar 31 of current year.

Data provided by SHOOK® Research, LLC. SHOOK Research considered women advisors with children living at home under 21 years
of age. The ranking algorithm is based on qualitative measures derived from telephone and in-person interviews and surveys: service
models, investing process, client retention, industry experience, review of compliance records, firm nominations, etc.; and quantitative
criteria, such as assets under management and revenue generated for their firms. Investment performance is not a criterion because
client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions
of SHOOK Research, LLC and not indicative of future performance or representative of any one client’s experience. Rankings and
recognition from Working Mother/SHOOK Research are no guarantee of future investment success and do not ensure that a current or
prospective client will experience a higher level of performance results, and such rankings should not be construed as an endorsement of
the advisor. Neither SHOOK nor Working Mother receives compensation from the advisors or their firms in exchange for placement on a
ranking. SHOOK Research is a trademark of SHOOK Research, LLC. All rights reserved.

With an undergraduate degree in marketing and international business from Baylor University and a Masters Degree from the University of Memphis in marketing, Stephanie joined the team in 1998. Having worked in both the financial and advertising industries, Stephanie heads the team’s client relationship management and analytical reporting. She also manages our community efforts and our relationships with our professional money management partners.

She is actively involved in supporting local performing arts and educational organizations, and she enjoys spending time with her family, traveling and fishing.

Having joined Merrill in August 2013, Meggan focuses on client retention and services an array of client financial needs and her passion is found through client conversation. She is dedicated to ensuring that you receive the highest level of client service. Meggan is well versed in our local, firm and industry procedures and operations to assist you in a timely and thoughtful manner. Meggan also serves as a coach for her peers. Meggan attended the University of Central Arkansas and obtained her undergraduate degree in Business Administration. Outside of the office, she volunteers with various charities throughout the year.