Hi, I’m Jeremy Eppley, a fee-only financial planner and investment manager based in Maryland, serving clients virtually across the country. I specialize in helping individuals who have recently received an inheritance use their newfound wealth effectively, as well as helping families who are interested in leaving money to loved ones or charities tax-efficiently. After earning a Bachelor of Science degree in Finance from Towson University, I continued my education, earning a Master of Science in Personal Financial Planning from the College for Financial Planning. Beyond my formal education, I went on to become a CERTIFIED FINANCIAL PLANNER™ professional, a CERTIFIED PRIVATE WEALTH ADVISOR™ professional, and additionally earned my AIF®, APMA®, CRPC®, and MPAS® designations. We serve young professionals (Gen Z, Gen Y/Millenials, and Gen X), young families, married couples, entrepreneurs, self-employed individuals, ultra high net-worth families, trusts, intergenerational families, baby boomers, entertainment industry professionals, startup founders, business owners, and small businesses. We help our clients with holistic financial planning including: retirement planning, investment planning & management, business planning, wealth management, new wealth planning, income planning, estate planning, charitable giving, portfolio management, home buying, cross-border planning, tax planning, SRI/ESG (Socially Responsible Investing/Environmental, Social and Corporate Governance), and more. We can work on an advice-only basis if desired. As a fee-only fiduciary financial planner, I enjoy helping individuals, families, and businesses by educating, advising, and preparing them for their financial futures. I hope to continue to use what I know to better the lives of others and bolster their financial confidence. I look forward to meeting you and helping you achieve your financial goals. Designations & Degrees: • CFP® – CERTIFIED FINANCIAL PLANNER™ • CPWA® – CERTIFIED PRIVATE WEALTH ADVISOR™ • AIF® – Accredited Investment Fiduciary™ • APMA® – Accredited Portfolio Management Advisor™ • CRPC® – Chartered Retirement Planning Counselor™ • MPAS® – Master Planner Advanced Studies™ • B.S., Business Administration & Investments • M.S., Personal Financial Planning

Mike focuses his energy into helping clients navigate all of their financial needs. His experience includes a stint on the floor of the New York Stock Exchange, a career focused on investments at Brown Advisory and insurance at Securian Financial. During these experiences, he learned that a balanced approach and strategic financial planning is what can help clients achieve their goals. When not talking to clients or researching the next great opportunity for them, Mike & his wife enjoy quiet city living and relaxing whenever their new daughter allows. He loves playing soccer, lacrosse, golf, basketball… and really any sport. When he’s not meeting friends or family at the movies or the local watering hole, you can normally find him reading something very nerdy, like science fiction or financial science.

Hi, I’m Robert Lindstrom, founder of Provision Financial Planning (PFP). My own unique journey has culminated in PFP. Just like it is important for me to understand my clients’ past experience as it relates to money, it’s important that you know my history in this field. I became interested in investing and personal finance at a young age. I was going to do something related to finance but I began my career in 2010 on the heels of the Great Recession. I felt fortunate to find any job, much less one in “financial services”. What a blessing this turned out to be. Beginning my career in “wealth management” planted the seed. It was here where I was encouraged to obtain the CFP designation. This really opened my eyes to the importance of financial planning instead of just investment management. The CFP® designation covers dozens of areas of financial expertise is recognized as the standard of excellence for the financial planning profession. Pursuing this desire to do more than investments, I ended up taking a position that would allow me to do financial planning. However, this position was primarily a commission-driven sales role. While I learned a lot, this was not a good fit for me. It wasn’t all bad. I now have a much better understanding of how various products work (and don’t work) and the sales-driven financial piece of my industry that is unfortunately so prevalent. It was my next role where things really started to take shape. I ended up working at a Fee-Only firm that had deep tax expertise. I immediately felt at home in this fee-only compensation model because I could focus on planning instead of selling. Being a Fee-Only advisor means I don’t sell any financial products for a commission or receive other revenue sharing. This means I’m only compensated directly by my clients, which eliminates many of the conflicts so prevalent in my industry. I’ve also been exposed to several different investment philosophies in my career. A lot of industry experts claim to be able to time the market or identify the next hot sector or stock, either themselves or by picking active funds that try to. The data shows this is unlikely, and even risks large underperformance. While it may sound counterintuitive at first, you’re paying us to prudently manage a portfolio for you instead of seeking to outperform by timing the market. This brief history has culminated in me founding Provision Financial Planning in 2019 as a proud fee-only firm.

David Frank is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is part of the Frank, Finney, Mohler & Browne Group, a team serving families and institutional clients with tailored financial strategies. David's role focuses on portfolio management, wealth planning, and client development. With over 25 years in the financial services industry, David joined Merrill in 2013 after working at Legg Mason, Deutsche Bank, and Morgan Stanley Smith Barney. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification and the Certified Plan Fiduciary Advisor (CPFA) designation. Additionally, he has earned the Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) credentials. David graduated from Mt. Saint Mary’s University in 1997 and earned an MBA from Loyola University in 2001. He lives in Ruxton with his wife Emmie, their children, Connor and Abby, and their dog, Gus. David's personal interests include cooking, golfing, skiing, and spending time with his family.

Joseph Browning is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, sports and entertainment, and retirement income. Joseph holds a Bachelor's Degree from McDaniel College and has earned professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He works closely with clients to develop personalized financial strategies aligned with their unique goals, emphasizing simplicity and transparency throughout the wealth planning process. Outside of work, Joseph enjoys cooking, golfing, and spending time with his family.

Damon Matzek is a Financial Advisor at Merrill Lynch Wealth Management. He brings nearly 20 years of experience in the financial services industry, focusing on helping successful individuals pursue their financial goals through personalized strategies. Damon emphasizes understanding his clients' needs and aspirations to develop tailored plans that aim to alleviate financial burdens and give clients back valuable time. Before entering financial services, Damon began his career in the Food and Hospitality Industry, where he gained experience working with diverse teams to deliver exceptional customer service. This background informs his approach to client relationships and service. He holds a Bachelor's Degree from Columbia University and has earned professional designations including Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), and Personal Investment Advisor (PIA). Outside of his professional life, Damon is an avid runner and spends time on the road pursuing this interest.

Thomas Law is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop comprehensive financial strategies tailored to their individual goals and life plans. His approach emphasizes understanding clients' full financial picture and what matters most to them, allowing him to design personalized wealth management strategies. Thomas’s expertise includes education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Salisbury University. Outside of his professional work, Thomas enjoys boating, football, golfing, hiking, running, skiing, spending time with his family, and traveling.

Hannah Stack is a Financial Advisor at Merrill Lynch Wealth Management. She began her career after earning a Bachelor's and a Master's degree in Finance from the University System of Maryland. Hannah started her professional journey at Bloomberg in New York City, where she worked as a senior equity analyst and served as the global content manager for technical analysis. In that role, she led client trainings, onboarded new hires, and collaborated across product, engineering, and sales teams to improve equity and derivatives workflows. Hannah later transitioned to wealth management, choosing to return to Maryland to pursue this new chapter. She holds several professional credentials including the Chartered Retirement Planning Counselor™ designation and FINRA registrations Series 7, Series 66, and SIE. Her areas of client focus include college education planning, executive compensation, equity compensation services, family wealth management strategies, services for endowments, foundations, and non-profits, employee financial health, managing new wealth, women and wealth, tax minimization, and retirement income. Outside of her professional work, Hannah is a 200-hour registered yoga teacher and participates in activities such as biking, cooking, gardening, golfing, reading, running marathons, skiing, swimming, and tennis.

Max Hyatt is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on building personalized financial strategies by understanding what matters most to his clients and providing ongoing guidance across investing, retirement planning, and managing unexpected financial events. He offers resources and access to specialists in banking, credit, home financing, and small business solutions to support a comprehensive approach to wealth management. Max's expertise includes college education planning, employee benefits planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. He emphasizes a client-centered approach by taking the time to understand individual goals, concerns, and questions to develop strategies that align with clients' short-, mid-, and long-term financial objectives. He holds a Bachelor's Degree from Pennsylvania State University and is a Personal Investment Advisor (PIA). Outside of his professional work, Max enjoys boating, football, golfing, music, pickleball, skiing, spending time with his family, tennis, traveling, and watching movies.

Michael Johnson is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he is part of the TWN Wealth Management Group. In his role, he focuses on advancing client goals by utilizing the products and services offered by Merrill and Bank of America. His responsibilities include portfolio advising, with a particular emphasis on the Merrill Alternative Investments platform, as well as personal wealth planning and analysis for the team. Michael's expertise encompasses a range of client focus areas including divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, defined benefit plans, personal retirement planning, small business strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Personal Investment Advisor (PIA) designation. He earned a bachelor's degree with a double major in Mathematics and Psychology from Amherst College. Michael is involved with the Ridgewood High School Alumni Association. Outside of work, he spends time with family and friends and enjoys outdoor activities such as boating, baseball, football, music, running, and traveling.