Joseph Manno is a Series 65-licensed advisor at Merit Financial Partners LLC with three years of industry experience. He previously worked at Loyal Advisors for 15 years and Direct Wines Inc for 12 years. Outside of his advisory role, he co-owns JMSynergy LLC, a marketing and business consulting firm, with his wife. Merit Financial Partners serves individuals, trusts, estates, retirement plans, and charitable organizations, offering fee-only financial planning and wealth management. The firm employs a fiduciary, consultative investment approach that combines fundamental and technical analysis with an emphasis on asset allocation and low-cost index funds and ETFs, while allowing active strategies as appropriate.

Edward Esposito is a financial advisor at Merit Financial Partners LLC with four years of industry experience. He holds a Series 65 designation and has been with Merit Financial Partners since 2021. Outside of advising, he works part-time as a self-employed tax accountant providing tax preparation and accounting services. Merit Financial Partners serves individuals, trusts, estates, retirement plans, and charitable organizations with fee-only financial planning, investment consultation, portfolio management, and wealth-management services. The firm employs a fiduciary and consultative investment process that emphasizes asset allocation and low-cost index funds and ETFs, offering discretionary investment management with a minimum investment horizon of about three years.

Richard Terry is a CFP® professional with nine years of experience in financial advising. He has worked at Merit Financial Partners LLC since 2018 and previously at Mtp Advisors from 2006 to 2017. Merit Financial Partners serves individuals, trusts, estates, retirement plans, and charitable organizations, offering fee-only financial planning, investment consultation, portfolio management, and wealth-management services. The firm employs a fiduciary, consultative investment process that emphasizes asset allocation and low-cost index funds and ETFs, with discretionary management primarily through Charles Schwab.