If you are analytical, love details, and have higher standards and expectations for your financial advisor, we should talk. Our service model is high touch, very personalized, and as detailed oriented as you can get. We specialize heavily in retirement income planning and customization. We also pride ourselves in our very in depth, proactive tax planning. We are veteran-owned, real fiduciaries, and would love the opportunity to show you what we can do.

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.

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.

Alexander Costos is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry in 2007 and serves as a Portfolio Manager, providing traditional advice, guidance, and planning. He also manages discretionary Personalized or Defined Strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. His expertise includes education planning, family wealth management strategies, retirement planning, socially responsible investing, and services tailored for endowments, foundations, and non-profits. Alex earned a bachelor's degree from Bucknell University in 2004 and a Master of Business Administration from Loyola University Maryland in 2017. He obtained the CERTIFIED FINANCIAL PLANNER® certification in 2016 and holds additional professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He serves on the Board of Directors for Maryland Family Network and is involved with the Loyola Sellinger School of Business Alumni Board. Born and raised in the greater Baltimore area, Alex grew up in a Merrill Lynch family with a father who spent forty years at the firm. He lives in Phoenix, Maryland with his wife, Laura, and their two children. Outside of his professional work, Alex enjoys boating, camping, cooking, football, gardening, hunting, reading, woodworking, and spending time with his family.

Jared Kilberg is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in creating customized wealth management strategies tailored to clients’ individual financial goals, with a focus on college education planning, legacy planning, personal retirement planning, tax minimization, and retirement income. Drawing on over 11 years of experience, Jared works closely with clients across different life stages, supporting them in long-term financial planning as they save for retirement and plan for their future. Jared holds a Bachelor's Degree from the College of Charleston and has earned the professional designations of CERTIFIED FINANCIAL PLANNER™ (CFP) and Personal Investment Advisor (PIA). He adheres to a personalized approach, working one-on-one with clients to develop flexible financial strategies aligned with their goals. Outside of his professional work, Jared is involved in community organizations such as Repair the World (Baltimore) and The League of People. He enjoys biking, cooking, music, photography, reading, running—including running marathons—and traveling. Jared lives with his family and their pets in Baltimore, where he can often be found running around the city or cycling in northern Baltimore County.