PROFESSIONAL PROFILE

Mike Koppenhaver is a Senior Vice President - Investments and Financial Advisor that joined Merrill Lynch in 1999. He is also a Chartered Retirement Planning Counsler certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Mike is a graduate of the University of Delaware with a Bachelors degree in Finance and has been in the financial services industry for 17 years. In 2010, Mike was named by Barron's as one of the top 5 advisors in the state of Delaware and one of the top 1,000 advisors nationwide. Mike is currently the Chairman of the Board of Directors of Bayhealth Medical Center, Inc. Mike is also a member of the Greater Dover Committee. He is a member of Christ Episcopal Church and lives in Dover with his wife and two children.

Kathleen Hawkins is a Wealth Management Advisor who joined Merrill Lynch in 2004. Kathleen is also a CERTIFIED FINANCIAL PLANNER certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. She is a graduate of the University of Delaware and Drexel University and has 20 years of experience in the financial services industry. Kathleen is actively involved in several United Methodist organizations and lives in Smyrna, Delaware with her husband and son.

Amy Gibson is a Senior Registered Client Associate. She joined Merrill Lynch in 1991. Amy is Series 7, 63 and 65 licensed.

Susan Damask is a Senior Registered Client Associate who joined Merrill Lynch in 2001. She is also a Chartered Retirement Planning Counsler certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Susan has both a Bachelors and Masters degree in Business Administration from Wesley College. She is also Series 7 and 66 licensed.

April Smith is a Client Associate who joined Merrill Lynch in 2006. She joined the Koppenhaver, Hawkins & Associates team in November 2010.