I have always loved a challenge. As a child, I enjoyed Laura Ingalls Wilder’s Little House series for its pioneering spirit and “we can do hard things” embrace of life. Founding my own financial firm, with the goal of raising others while building a business, reflects my entrepreneurial background. As the daughter, granddaughter, great-granddaughter, and even great-great-granddaughter of business-founders dedicated to serving the communities where they lived, I carry on a family tradition of service oriented entrepreneurship, working with causes close to my heart, such as the Vermont Food Bank, All Brains Belong, and the Vermont Youth Orchestra Association. My background as a classically trained musician informs my financial planning approach. My academic research and analysis skills transfer from notes and music theory to financial planning and portfolio management. Whether serving clients or playing piano, I bring joy, creativity and a healing energy to my work.

Danielle Gilbert Richard is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has been serving clients since 2000. She specializes in a highly personalized, planning-based approach that incorporates client motivations and aspirations into customized wealth strategies. Danielle works closely with her partner, Dorota Kim, at The GRK Group, focusing on areas such as college education planning, corporate executive services, family wealth management, philanthropic planning, and socially responsible investing. Her practice serves clients across Vermont and ten other states, many of whom are educators, executives, and entrepreneurs with diverse interests. Danielle holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned a Bachelor of Science degree in Natural Resources from the University of Vermont. Her credentials support her expertise in sustainable investing, portfolio management, and complex wealth preservation strategies. Danielle has been recognized on multiple occasions by Forbes, Working Mother/SHOOK Research, and Barron’s for her performance and client service. In addition to her professional work, Danielle has been involved in community service, including past board membership with the University of Vermont Medical Center Foundation and participation in Hands to Honduras in 2019. A lifelong resident of the Burlington area, she lives in Shelburne with her husband and son. Danielle’s personal interests include boating, hiking, traveling, and spending time with her family.

Joshua Jarvis is a Financial Advisor with Merrill Lynch Wealth Management. He brings over a decade of experience in the financial services industry, focusing on asset management, holistic financial planning, tax minimization strategies, and trust and estate planning services. Joshua works closely with clients and their families to develop personalized financial strategies aimed at achieving long-term goals across areas such as college education planning, family wealth management, retirement income, and socially responsible investing. He holds a Bachelor's Degree from the State University of New York System and holds professional designations as a Certified Trust and Fiduciary Advisor (CTFA) and Personal Investment Advisor (PIA). Joshua is committed to building deep, multi-generational relationships with clients, providing concierge-level service and advice. His approach incorporates the research and products of Merrill Lynch Wealth Management to deliver comprehensive wealth planning and investment management. Beyond his professional role, Joshua serves on the boards of Mentor Vermont and Partners In Adventure and mentors with Milton Mentors. In his free time, he enjoys mentoring, playing bass guitar, paddle boarding, photography, and skiing.

Timothy Candon is a Wealth Management Advisor based in the Merrill Lynch Burlington, Vermont office. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and has 23 years of industry experience. Timothy joined Merrill in 2021 as a financial advisor, bringing extensive expertise in fiduciary services, investment advice, and customized wealth management solutions. Tim began his career after graduating from St. Lawrence University, spending 15 years in Boston with Fiduciary Trust Company. There, he served as head trader and later established the role of portfolio engineer. Since returning to Vermont, Timothy has focused on helping clients navigate key financial phases, including education funding, retirement planning, and estate needs, while maintaining a high standard of integrity. He utilizes Merrill’s resources and the banking services of Bank of America to develop personalized strategies aligned with clients’ long-term goals. Timothy is also a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, he enjoys outdoor activities such as boating, fishing, golfing, hiking, skiing, and spending time with his family.