Brian “ALF” O’Neill is a native of Overland Park, KS. After graduating from the Catholic University of America in Washington, D.C. with a BSE in computer engineering, he attended pilot training at Vance AFB then served F-16 assignments at Shaw AFB, Eglin AFB, Kunsan AB and Nellis AFB as an F-16 Weapons School instructor. He then transitioned to the F-35 in 2012, commanding an operational test squadron at Edwards AFB, CA. He earned three masters degrees through his military career and served as the military assistant to the Under Secretary of Defense for Policy before finishing his career as an F-35 group commander at Eglin AFB, Florida. Brian spent 23 years in the Air Force, much of it helping military families navigate personal finance challenges. He found his passion for personal finance as he facilitated Financial Peace University. He went on to complete his CFP requirements and started his own financial planning firm. Brian is married with two beautiful, talented daughters. He is an avid reader and triathlete and dreams of soon finding time to home brew again. Read Brian's blog here: https://www.wingedwealth.com/insights/

Shane O’Dell is a Wealth Management Advisor with McGovern, O'Dell & Associates at Merrill Lynch Wealth Management. Since beginning his career in 2006, he has focused on strengthening client relationships, acquiring new clients, and providing expertise in corporate retirement income strategies and investment selection. Shane holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), Certified 401(k) Professional (C(k)P®), and Certified Plan Fiduciary Advisor® (CPFA®), among others. He earned a bachelor's degree in business management from Cazenovia College in Central New York. Shane has been recognized on the Forbes "Best-in-State Wealth Advisors" list for three consecutive years (2023, 2024, and 2025) and was also part of the McGovern, O’Dell & Associates team named to the Forbes "Best-in-State Wealth Management Teams" list during the same period. Earlier in his career, he received accolades on Forbes/SHOOK Research lists targeting next-generation wealth advisors. Beyond his professional role, Shane has served on the Board of Trustees for Cazenovia College from 2017 to 2023 and acted as the 190th Commencement Speaker for the college’s 2015 graduation ceremony. He also serves as president of the Dianne L. O'Dell Scholarship Foundation and participates actively in various civic organizations. Shane resides in Destin, Florida, with his wife, Briane, and their two children.

Emily McGovern is a Financial Advisor with the McGovern, O'Dell, and Associates team at Merrill Lynch Wealth Management. She helps individuals, families, and business owners build confidence in their financial future through personalized strategies and long-term planning. Her approach emphasizes education, transparency, and collaboration to simplify complex financial decisions. Emily began her career in Dallas with Goldman Sachs and Alliance Bernstein, where she gained industry experience. She graduated Magna Cum Laude from Auburn University with a Bachelor's Degree in Finance and holds Series 7, Series 63, Series 66, and SIE FINRA registrations. She is also a Personal Investment Advisor (PIA). Outside of her professional work, Emily is involved with Impact100 of Northwest Florida. She enjoys spending time on the water fishing, reading, traveling, and being with her family and friends.

Evelyn Kearney is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in providing personalized wealth management strategies that consider each client's full financial picture. Evelyn works closely with clients to develop flexible financial plans aimed at helping them pursue their long-term goals, drawing on investment insights from Merrill and banking resources from Bank of America. Evelyn’s expertise encompasses college education planning, employee benefits planning, family wealth management, retirement planning, portfolio management, and addressing the unique financial needs of women. She holds a Bachelor's Degree from Averett College and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Raised in Texas and family-oriented, Evelyn spends her free time fishing, gardening, running, and enjoying time with her family. She is engaged in community service, reflecting the Merrill tradition of community involvement through volunteering with local organizations.

Reginald Hoddinott is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 40 years of experience in advising and investing. Since August 1981, he has helped clients plan for their futures by providing guidance and developing personalized financial strategies aimed at achieving their long-term goals. His expertise covers a wide range of client needs including college education planning, divorce transition planning, services for endowments, foundations, and non-profits, international wealth management, liquidity management, managing new wealth, philanthropic planning, special needs planning strategies, tax minimization, and retirement income. Reginald holds a Bachelor's Degree from Southeastern Louisiana University and the professional designation of Personal Investment Advisor (PIA). In addition to his professional work, Reginald is engaged in community service, volunteering with organizations in the communities he serves. Outside of work, he enjoys boating, golfing, spending time with his family, and traveling.

Debra Reyle is a Senior Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to develop personalized financial strategies that align with their individual goals, leveraging the investment insights of Merrill and the lending solutions of Bank of America. Debra holds a Bachelor's Degree from Davidson College and a Juris Doctorate Degree from the University of Miami School of Law. She is also designated as a Personal Investment Advisor (PIA). In addition to her professional work, Debra is actively involved in community service, volunteering with local organizations consistent with Merrill’s tradition of community participation.

Leanne Jewett is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in providing personalized financial advice to affluent families with complex needs, focusing on individual circumstances to support clients' unique goals and objectives. Leanne's approach involves risk management and identifying new opportunities within the shifting financial markets. With over 16 years of institutional capital markets experience, Leanne joined Merrill Lynch Wealth Management in 2008. She previously worked at Nomura Securities New York as a Vice President and Sales Trader for Money Markets, Emerging Markets, and CMBS. Leanne holds the Chartered Financial Analyst® designation and is a qualified Portfolio Manager in Merrill Lynch's Investment Advisory Program. She attended Dalhousie University and earned her high school diploma from Hants West Rural High School. Outside of her professional role, Leanne is involved in various community organizations including the Boys and Girls Club, Volunteers in Medicine, Coastal Carolina Arts Center, Hilton Head Humane Society, Noah's Ark Rescue, American Society for the Prevention of Cruelty to Animals, World Wildlife Fund, and the Society for the Prevention of Cruelty to Animals International. Her personal interests include boating, cooking, hiking, horseback riding, interior decorating, skiing, spending time with family, and playing table tennis.

Teresa Mclaughlin Bass is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 2007. In her role, she focuses on helping clients achieve their individual and family financial goals through a defined process that includes understanding each client's specific situation, establishing objectives, developing appropriate strategies, and reviewing progress. Her expertise encompasses retirement planning, tax minimization, capital preservation, and estate planning services, with an emphasis on tailored strategies to meet diverse client needs. Tess is a cum laude graduate of Troy State University, where she earned a Bachelor of Science degree in Business Administration. She has been in the financial services industry for 15 years and holds several professional designations, including Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). A native of Destin, Florida, Tess resides in Shalimar with her husband, Joe, and their son, Carver. She has supported local communities through involvement with organizations such as Impact 100 Northwest Florida.

Raymond Mcgovern serves as Senior Resident Director at Merrill Lynch Wealth Management, where he specializes in team management and portfolio management. His expertise includes estate planning, portfolio and income management strategies, and retirement income strategies. Through his affiliation with Bank of America, he is able to provide clients access to philanthropic services. Ray joined Merrill Lynch Wealth Management in 1981 after earning a bachelor's degree in business management from West Virginia Wesleyan College. He holds the professional designations of Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Over the years, Raymond has been recognized in Barron's annual rankings of top financial advisors in the United States. Raymond resides in Fort Walton Beach, Florida, with his wife and three children. He is involved in his community as a board member of the White Wilson Community Foundation and as a senior member of the Fort Walton Beach Kiwanis Club. His personal philosophy emphasizes working closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals.