Caroline Adams

Caroline Adams is a Financial Advisor with Williams, Jones & Associates at Merrill. She joined Merrill in 2021 after working as a Certified Public Accountant (CPA) with a large Montana-based public accounting firm.

To Caroline, wealth management is about possibilities—helping people do more with their wealth through long-term planning, consistent action, and coordinated follow-through. Her areas of focus include tax-sensitive financial strategies, business planning, cash-flow analysis, higher-education savings, and wealth transfer. Her background in public accounting has heightened her ability to collaborate effectively with clients’ external tax and legal advisors, resulting in steady momentum on shared initiatives. Caroline also looks to support successive generations of client families in their ability to weigh their options, instill sound habits, and begin early on the path toward financial independence.

Caroline looks to have a sustained, positive impact on the individuals and families she serves, helping them create a more secure and cohesive financial future.

She recognizes that finances are an important aspect of people’s well-being. To that end, she strives to make their lives simpler and less stressful, helping them adopt the habits and mindsets that can help them build wealth, foster long-term security, and derive more meaning and satisfaction from their lives and legacies.

Originally from Whitefish, Montana, she holds dual degrees—a B.A. in Accounting and a B.A. in Finance—from Carroll College in Helena. Caroline and her husband, Cole, live in Shaker Heights with their much-loved golden retriever, Bo. They enjoy spending time outdoors together and enjoy hobbies like snow skiing, playing golf & tennis.

*Caroline does not provide tax advice in her current role with Merrill. Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.