James Adams is the Senior Resident Director at Merrill Lynch Wealth Management. He has been a financial advisor with Merrill for the past 27 years, helping clients achieve their individualized financial goals. Based in the Augusta, GA area, James and his team coordinate the financial affairs of individuals across the United States. His areas of expertise include college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, retirement income, and serving clients in sports and entertainment. James holds a Bachelor’s degree from the University of North Carolina System and a Master’s degree from the University of South Carolina System. He is also a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). James and his wife Claudia live in Aiken, South Carolina. Outside of work, he enjoys biking, boating, and golfing. He is also involved in the community as a board member of the United Way of the CSRA.

James Bradford is a Senior Financial Advisor specializing in personalized wealth management strategies at Merrill Lynch Wealth Management. He focuses on creating flexible financial plans tailored to clients' unique goals and changing market conditions, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. James holds a Bachelor's Degree from Augusta College and has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. His approach centers on working one-on-one with clients to develop financial strategies designed to help pursue their long-term goals.

Brent Hardy is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2008 and has over 15 years of experience in the financial services industry. Brent is a Portfolio Manager who manages personalized or defined investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Brent focuses on a select group of clients, assisting them with all aspects of their financial lives. His areas of expertise include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, philanthropic planning, portfolio management services, socially responsible and values-based investing, tax minimization, and retirement income. He collaborates with the team of Financial Advisors at VCH & Associates to design and implement customized wealth management strategies aimed at accumulating and preserving wealth while managing investment risk. He holds a Bachelor's Degree in Business Management from the University of North Carolina Greensboro and is a graduate of the U.S. Army Intelligence School. Brent also holds the professional designations of Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). He relocated to Augusta, GA from Spartanburg, SC in 2013. Outside of his professional work, Brent's personal interests include golfing, hunting, and traveling.

Christopher White is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1992 and joined Merrill Lynch in 2008, where he is a partner in RGRWT & Associates. He holds the Chartered Retirement Planning Counselor (CRPC) designation awarded by the College for Financial Planning. Christopher specializes in working with high-net-worth individuals and their families to build, preserve, and manage wealth across generations. His expertise includes areas such as divorce transition planning, family wealth management strategies, legacy planning, retirement income, and portfolio management services. He and his team focus on providing personalized, integrated strategies aligned with clients' values and objectives. He earned a bachelor's degree from SUNY College at Brockport. Christopher has been involved in his community through leadership roles on boards for organizations including the YMCA, United Memorial Medical Center, Leadership Genesee, and United Way. He lives in Batavia, New York, with his wife and has two grown daughters.

Brandy Otterbacher Ragan is a Wealth Management Advisor with Merrill Lynch Wealth Management. She focuses on helping clients develop personalized financial strategies tailored to their long-term goals, drawing on her understanding of each client's full financial picture. Her areas of expertise include legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Brandy has been in the financial services industry since 2008. A Toledo native, she earned both her bachelor's degree and her Master of Business Administration from the University of Toledo. She adheres to the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of her professional work, Brandy enjoys golfing, rock climbing, and running.