David Girio is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Chambersburg, PA office. He has been with his current employer for over 16 years and has more than 26 years of experience in the financial services industry. David specializes in individual wealth planning, goal attainment, and portfolio management. His areas of expertise include college education planning, liquidity management, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, sports and entertainment, tax minimization, and retirement income strategies. David holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Bloomsburg University of Pennsylvania. David follows Merrill’s tradition of community involvement and is active in volunteering within the local community. Outside of his professional work, he has personal interests in fishing, golfing, and hunting. His approach is centered on working one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals.

Lori Hoffeditz is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of The Grove-Hoffeditz Group, a Wealth Management Advisory team. The team focuses on serving high net worth, multi-generational families and retirees by assisting them in managing all aspects of their financial lives. Lori's role involves providing traditional advice and guidance, as well as recommending individual or combined investment strategies, funds, or portfolios from Merrill or approved third-party managers. Lori holds a Bachelor of Science Degree in Business Administration with a concentration in Finance from Millersville University of Pennsylvania. She began her career at Merrill in 1988 as a Client Associate and has held various roles including Resident Director's Assistant before becoming a Financial Advisor in June 2015. She is a qualified Portfolio Advisor and holds the Personal Investment Advisor (PIA) designation. Lori has also contributed to peer-to-peer training as a member of the Merrill Optimal Practice Model Client Associate Faculty Alumni Team. Residing in Chambersburg with her husband and son, Lori enjoys fitness training, OCR racing, swimming, kayaking, biking, and painting. She is involved in the Chambersburg Gridiron Club.

Michael Mcguire is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on helping individuals and families develop personalized financial strategies to support their long-term goals. Michael works closely with clients to prioritize objectives, allocate resources, and establish an investment process tailored to their needs. His areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, individual and corporate investment strategy, tax minimization, and retirement income. Michael combines his client-centered approach with access to Merrill Lynch’s financial resources to provide integrated support for his clients’ financial lives. Michael holds a High School Diploma from Conrad Weiser Area School District and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is involved with Kiwanis International and spends time volunteering in the community. Outside of work, Michael enjoys basketball, cooking, football, and golfing.

Kirk Crouse is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the firm in 2015 and draws on his background as a former public school teacher and high school coach to educate and guide clients in pursuit of their financial goals. Kirk holds a Bachelor of Science degree in Education with a concentration in Mathematics from Shippensburg University of Pennsylvania. He maintains Series 7 and 66 FINRA registrations, as well as life and health and long-term care insurance licenses, and is designated as a Personal Investment Advisor (PIA). With over 20 years of teaching experience and 17 years coaching, Kirk applies his skills in clear communication and relationship-building to his financial advisory practice. He works closely with individuals, families, and business owners to develop customized financial strategies based on clients' goals, risk tolerance, and time horizons. Kirk specializes in areas including college education planning, family wealth management, legacy planning, retirement income, and socially responsible investing. He regularly reviews clients’ financial plans to ensure alignment with their objectives and adapts strategies as needed. Kirk resides in Chambersburg, Pennsylvania with his wife and three daughters. Outside of his professional role, he enjoys golfing, volleyball, weight training, and spending time with his family.

Rebekah Crouse is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2006 and holds Series 7 and 66 FINRA registrations, as well as life and health and long-term care insurance licenses. Rebekah is a qualified Portfolio Advisor who provides clients with investment guidance, including recommending individual or combined strategies, funds, or portfolios from Merrill or approved third-party managers. She specializes in a customized financial experience tailored to clients' unique goals and risk tolerance. Her areas of focus include college education planning, divorce transition planning, equity compensation services, legacy planning, LGBT wealth planning, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, and retirement income. Rebekah works closely with individuals, families, and business owners to help them shape their financial plans in alignment with their lifestyle choices. Rebekah earned a bachelor's degree in business administration and finance from Shippensburg University of Pennsylvania. She also holds the Personal Investment Advisor (PIA) professional designation. Outside of her professional role, she is involved with Shalom Christian Academy. Rebekah enjoys cooking, reading, running, soccer, and spending time with her family.

Alfred Smith is a Senior Resident Director and Wealth Management Advisor at Merrill, where he provides personalized wealth management strategies tailored to clients' individual financial goals. He leverages access to Merrill’s investment insights and Bank of America’s banking and lending solutions to create flexible strategies that adapt to changing market conditions. With a focus on managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income, Alfred employs a rational, goals-based approach to help clients manage risk and pursue long-term financial objectives. With over twenty years of experience navigating diverse economic and market environments, Alfred offers guidance to individuals, families, and businesses seeking to secure their financial futures. He holds the Certified Financial Planner (CFP®) and Personal Investment Advisor (PIA) designations, reflecting his commitment to professional standards and ongoing education. Alfred is a graduate of Tulane University and also holds a high school diploma from Montclair High School. Outside of his professional role, Alfred is active in community service, upholding Merrill’s tradition of local engagement. He enjoys cooking, golfing, running marathons, and playing tennis. When not working with clients, he spends time with his family, including his wife and two daughters, as well as pursuing yardwork and reading history.

Darren Grove is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1997 and focuses on delivering personalized attention and disciplined, customized investment strategies to high-net-worth individuals and families. His expertise encompasses areas such as education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, and retirement income. Darren holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) credentials. He earned a Bachelor of Science degree in Business Administration with a major in Finance from Shippensburg University, Pennsylvania. Throughout his career, he has been involved in various community and professional roles, including membership in the Chambersburg Exchange Club, service at the Presbyterian Church of Falling Spring, and participation on the Shippensburg University Finance Advisory Council. Outside of his professional life, Darren enjoys biking, running, swimming, and music. He also spends time with his family, actively supporting his two daughters’ school and extracurricular activities.