teve Merrell is president of Willow Ridge Capital Advisors in Monterey, Calif.  He recently completed four years of service on the board of directors for Community Foundation for San Benito County and as assistant treasurer on the Santa Clara County Council of Boy Scouts of America.  He also served on the Investment Committee for the Roman Catholic Diocese of Monterey and was chairman of Casinos Represent A Poor Solution.  Steve graduated from Brigham Young University in 1986, with a Master's in business administration and a bachelor's in economics.  He and his wife, Jeanne, have five children and live in Hollister, Calif.