Thanks Jimmy,
My husband believes the eagle was 3rd - 4th year; as it had a lot of white in the body and a little brown/grey to the head feathers and the yellow bill.
The merlin we believe has been there for a while; he was quite content to sit and watch my husband cast a spinner bait while I took pictures of him for a good 10 min.
We really enjoyed seeing them and were able to point them out to other birders on the lake
They said it was the first year that they have seen an eagle on the lake.