Debra joined Merrill in 1997. Debra has earned the Chartered Retirement Planning Counselor designation sponsored by the College for Financial Planning. She is a Senior Portfolio Advisor in the Investment Advisory Program. Debra is active at church as a mentor with the youth group. Debra is part of the Harrell Group in the Annapolis Merrill office. The Harrell Group takes a holistic approach to wealth management, looking at a client's entire financial picture to develop customized strategies designed to help meet the client's personal goals. Using the investment tools of Merrill and the banking capabilities made available through Bank of America, the group is able to assemble a team of specialists that can provide a wide range of services and products, including wealth strategies, retirement and wealth transfer planning, home financing and business lending, education planning, insurance and banking. The group's approach is built on strong client relationships, mutual trust and a commitment to superior service. They take the time to educate clients so that they have the information they need to make prudent decisions about their financial futures. The team uses a strategic approach in their work with affluent and high net worth clients, small businesses, and non-profit organizations. Each client relationship begins with a thorough information gathering process that enables the group to understand the client's specific needs, priorities and preferences. The group then works with the client to identify specific long-term objectives and develop customized strategies and recommendations. The group's implementation process is highly disciplined and focuses on meeting the client's objectives and cash flow needs. CRPC and Chartered Retirement Planning Counselor are registered service marks of the College for Financial Planning.