Michael Pirozzi is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and both individual and corporate investment strategy. Michael focuses on developing personalized financial plans tailored to each client’s goals and risk tolerance, aiming to help clients pursue their long-term objectives through customized wealth management approaches. Michael holds a Bachelor’s Degree from James Madison University. He is also a Personal Investment Advisor (PIA) and communicates fluently in both English and Spanish. Originally from New Jersey, he currently resides in Madison, NJ, where he has been an active community member for nearly fourteen years. Michael also dedicates time to volunteering with local organizations, reflecting his commitment to community involvement. Outside of his professional work, Michael enjoys a variety of personal interests including baseball, chess, cooking, football, golfing, ice hockey, skiing, spending time with his family, and tennis.

Matthew Armendinger is a Financial Advisor at Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA) designations. He specializes in helping individuals and families with various financial strategies including employee benefits planning, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Matthew earned his Bachelor's Degree from Fairleigh Dickinson University and remains actively engaged with his alma mater through the Fairleigh Dickinson Young Alumni Association. His professional involvement extends to volunteering as a guest speaker with ALPFA NJ and supporting the Lupus Foundation for America, New Jersey Chapter. Outside of his professional work, Matthew enjoys baseball, basketball, football, golfing, reading, running, spending time with his family, and practicing yoga. He participates in activities such as running with his run club in Jersey City and competing in indoor golf leagues.

Jorge Idrovo Fernandez is a Financial Advisor at Merrill Lynch Wealth Management, specializing in helping individuals, families, and business owners manage their financial needs and plan for the future. With 18 years of experience in banking and financial services, including 15 years dedicated to guiding clients through important financial decisions, he focuses on legacy planning, personal retirement planning, and portfolio management services. Prior to his current role, Jorge held positions at JPMorgan Chase as a Relationship Banker, Chase Private Client Banker, and Branch Manager. These roles provided him with extensive experience in banking, lending, investments, and relationship management, enhancing his ability to understand clients' unique circumstances and priorities. He holds both a bachelor's degree and a master's degree in accounting from Kean University, which supports his comprehensive understanding of financial factors affecting clients' financial situations. Outside of his professional career, Jorge enjoys traveling to explore different cultures and customs. He is also a longtime Yankees fan and maintains a family tradition of attending the team's Opening Day game each year.

Kulvinder Kaur is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial services industry. She combines her understanding of market cycles with firsthand knowledge of family small business operations to provide tailored financial guidance and strategic solutions. Her expertise covers areas including college education planning, corporate executive services, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, LGBT wealth planning, liquidity management, managing new wealth, portfolio management services, and small business strategies. Before transitioning to wealth management, Kulvinder held director-level roles in institutional finance at firms such as AVM/Norfolk Markets, Swiss Re Financial Markets, and Westdeutsche Landesbank Girozentrale, focusing on interest rate and cross-currency derivatives. She earned a Bachelor's degree in International Business from Hofstra University and an MBA in Finance from Baruch College. She holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kulvinder is involved in community service and supports organizations such as Bonnie Brae and TAARA.org. She speaks English, Hindi, and Punjabi. Her personal interests include hiking, pickleball, reading, table tennis, tennis, and traveling.

Glenn Evans is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in providing personalized financial strategies to a diverse client base. His clients include corporate executives in pharmaceutical, technology, and real estate sectors, business owners, attorneys, medical professionals, widows, members of the LGBTQ community, and extended families across more than 20 states. Glenn’s approach centers on understanding each client’s unique goals and challenges, with an emphasis on planning-based wealth management and legacy strategies. Before joining Merrill, Glenn held senior corporate development and strategy roles at Fortune 500 companies and served as a mezzanine lender to middle market businesses. He holds an MBA from Harvard Business School and a Bachelor’s degree from Amherst College. Glenn’s professional credentials include the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, Chartered Retirement Planning Counselor (CRPC™) designation, and Certified Plan Fiduciary Advisor (CPFA™) designation. He is an Advisory Member of the Association of African American Financial Advisors and serves as a Trustee of The Kappa Guide Right & Scholarship Fund of Montclair, supporting leadership development and scholarships for local high school seniors. In addition to his advisory work, Glenn contributes as a pro bono consultant to nonprofit organizations focused on arts and education and participates in the Harvard Business School Club of New York Community Partners Initiative. He resides in Livingston, New Jersey, with his daughter and enjoys activities such as biking, hiking, running, swimming, photography, music, genealogy, and traveling.

Sean Mc Manus is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in working with healthcare professionals, including physicians, nurses, physician assistants, and nurse practitioners, to provide clarity around investing, retirement planning, and building long-term financial security. His approach involves collaborating one-on-one with clients to define their financial goals and develop portfolio strategies aligned with those objectives. Sean's expertise includes retirement planning, managing concentrated stock positions, Roth IRA and workplace retirement strategies, education planning, and assisting clients through major career and life transitions. He aims to help healthcare professionals make confident financial decisions so they can focus on their careers and responsibilities. He holds a Bachelor's Degree from the University of Delaware and the Professional Investment Advisor (PIA) designation.

Amaya Pollard is a Financial Advisor at Merrill Lynch Wealth Management. She works with technology professionals and other clients to develop personalized financial plans that address their short-, mid-, and long-term goals. Her services include retirement planning, investment management, and providing guidance on stock options, restricted stock units (RSUs), and other employer-provided compensation benefits. Amaya's expertise encompasses corporate executive services, education planning, employee benefits planning, executive and equity compensation services, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, and personal retirement planning. She holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Bowling Green State University. Outside of her professional work, Amaya enjoys painting, reading, running, and practicing yoga. She is dedicated to understanding her clients' priorities and helping them create strategies to pursue their financial goals.

Carolyn Harris is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2017, following four years at Ameriprise Financial Services. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies designed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Zachary Boorse is a Financial Advisor with Merrill Lynch Wealth Management. In this role, he partners with individuals, families, and business owners to develop tailored financial strategies aimed at building, preserving, and transferring wealth. His approach centers on understanding each client's unique goals, which allows him to provide guidance in areas such as college education planning, family wealth management strategies, defined benefit and contribution plans, liquidity management, personal retirement planning, tax minimization, and retirement income. Boorse holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned both a Bachelor's Degree and a Master of Business Administration (MBA) from Fairfield University. Outside of his professional work, Boorse has personal interests that include baseball, fishing, golfing, hunting, ice hockey, scuba diving, skiing, and tennis.

John-Paul Tancona is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in comprehensive wealth management, retirement planning, and complex divorce financial analysis. He leverages over 26 years of experience in the financial industry, including 19 years as a fixed income trader, to provide personalized financial strategies tailored to the needs of busy professionals and families. John-Paul's approach emphasizes honesty, trust, transparency, and a commitment to delivering custom-managed solutions rather than one-size-fits-all plans. He holds a Bachelor's Degree from Villanova University and has earned professional designations including Certified Divorce Financial Analyst® (CDFA®) and Certified Plan Fiduciary Advisor (CPFA). As a founding member of the Sparta, New Jersey chapter of Stand for the Silent and a board member of the Sparta Education Foundation, John-Paul is actively involved in community organizations. He also contributes to the Lake Hopatcong Foundation and Our Lady of the Lake Church. Outside of his professional work, John-Paul enjoys hiking, spending time with his family, playing tennis, and traveling. His team focuses on aligning clients' current financial situations with their future goals, including retirement planning, wealth protection, and guidance through financial hardships such as divorce.

Lisa La Vecchia is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving as Senior Vice President and team leader of LC & Associates in the Morristown office in Florham Park, New Jersey. She leads a multigenerational team that assists families in building, protecting, and transferring their wealth to people and causes important to them. Lisa's approach centers on personalized, comprehensive wealth management strategies tailored to each client's goals. With over 30 years of experience, Lisa has expertise in areas including retirement income, legacy and business succession planning, liquidity management, college education planning, family wealth management strategies, socially responsible and ESG investing, and small business strategies. She draws upon the investment capabilities of Merrill and Bank of America to support clients through financial life transitions such as retirement, inheritance, or business sales. Lisa is a Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She holds a bachelor's degree from Bucknell University. Lisa is actively involved in her community, serving as Board Chair and Chair of the Financial Development Committee for the Greater Somerset County YMCA and previously serving on the Executive Leadership Committee of the Merrill Lynch Northern NJ Women's Exchange. She has participated in fundraising for AIDS/Lifecycle and Make-A-Wish New Jersey. Outside of work, she enjoys biking, cooking, gardening, golfing, music, reading, spending time with family, watching movies, and practicing yoga.

Elizabeth Brumbaugh is a financial advisor with Merrill in Florham Park, NJ, holding Series 63 and Series 66 designations and 26 years of industry experience. She has been with Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Braniff II is a Financial Advisor with Merrill Lynch Wealth Management, where he works as part of the Harbor Group. He assists clients with a variety of financial goals, employing a custom financial planning process and a proactive service model. His client focus areas include Corporate Executive Services, Family Wealth Management Strategies, Legacy Planning, and Tax Minimization. John begins his advisory process by understanding clients' individual goals and analyzing their current financial situation. He then creates and continuously updates personalized plans tailored to their needs. His team leverages Merrill Lynch and Bank of America family office services to develop custom solutions across retirement planning, education savings, wealth transfer, and other financial objectives. The Harbor Group has been recognized by Forbes on its "Best-in-State Wealth Management Teams" list for 2023 through 2026. John holds an Economics degree from Boston College and maintains the Personal Investment Advisor (PIA) designation. Outside of his professional role, he enjoys music, skiing, and spending time with his family.

Mark Rothenberg is a financial advisor at Merrill with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Nomura Securities International, Inc. for seven years. Rothenberg is also affiliated with Fairfield University. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual, high-net-worth, pension, corporate, and charitable clients.

Richard Taylor is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He previously worked for JPMorgan Chase Bank, N.A. and J.P. Morgan Securities for 13 years. Outside of his advisory role, he co-owns a family rental property. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Justin Landolfe is a Wealth Management Advisor with The LE Group at Merrill Lynch Wealth Management. He joined Merrill in January 2023 and supports clients by developing customized multi-generational wealth management strategies. His approach encompasses portfolio strategies, income and cash flow management, education funding, retirement income planning, estate planning services, and guidance for executives with concentrated stock positions. Before joining The LE Group, Justin accumulated 13 years of experience in the financial services industry. He served as an investment analyst for a hedge fund, where he focused on Collateralized Loan Obligations, conducting financial performance and capital structure analysis to inform investment decisions. He also worked as a Certified Public Accountant for two years at a leading accounting firm. Justin holds a Bachelor's degree in Finance and Accounting from Pace University and earned his CERTIFIED FINANCIAL PLANNER® certification in 2022. He holds FINRA Series 7, 63, and 65 registrations. He resides in Madison, New Jersey with his wife and two sons, and is involved in the Madison Rotary Club. His personal interests include adventure sports, baseball, basketball, cooking, football, golfing, music, skiing, spending time with his family, and watching movies.

Eric Muchmore is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management, where he has been serving clients since 2002. He works collaboratively as part of a wealth management team and focuses on helping clients achieve financial confidence and freedom by providing wise wealth management and solid investment returns. Eric's approach centers on building long-term relationships and tailoring financial strategies to fit individual client needs and goals. Eric holds a Bachelor of Science degree from Bucknell University, where he graduated cum laude in 1978. He is a Certified Kingdom Advisor member since 2008 and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise includes impact investing, and he is actively involved in Kingdom Advisors, which aligns with his focus on integrating financial returns with clients' faith and values. Beyond his professional commitments, Eric is an active member of Mendham Hills Community Church and serves on the board of Potter's House Association International, a non-profit organization in Guatemala City. He participates in guiding the organization's vision, accountability, finances, and mission protection. Additionally, he volunteers annually with his family to support the organization's efforts to alleviate poverty. Eric resides in Morristown, New Jersey, with his wife and their five children.

Andrew Allen is a Wealth Management Advisor with Merrill Lynch Wealth Management in Morristown, New Jersey. He began his career in wealth management at Merrill in 1994 and is a founding partner of The Harbor Group, a team dedicated to serving the complex financial needs of high-net-worth individuals, family offices, and foundations. Andrew also serves on the Board of Managers and the Investment Committee of Dillon Trust Company, a single-family, private trust company. Andrew’s expertise includes managing proprietary model portfolios and tailoring investment strategies to meet clients’ specific needs and goals. His approach incorporates an understanding of family dynamics into wealth strategy, allowing the team to adapt to market changes, price volatility, global events, and changes in clients’ personal circumstances. He holds a Bachelor’s degree from Rollins College and the Chartered Retirement Planning Counselor (CRPC®) designation awarded by the College for Financial Planning. Beyond his professional work, Andrew has a family background in the wine business, with his family’s company owning several notable vineyards and a Michelin-starred restaurant in Paris. He is involved in philanthropy as a director of two charitable foundations—the Allen Family Foundation and the Clarence and Anne Dillon Dunwalke Trust—and serves on the Board of Trustees at Berkshire School, his alma mater. He has also held board positions with other charitable and educational organizations.

Joseph De Marzo is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career with Merrill in 2006, initially working in the Operations area where he developed an understanding of the firm's resources and how to leverage them for client service before transitioning to a Financial Advisor role. Joseph works with families, individuals, and business owners to address the complexities of financial planning. He collaborates with a team of specialists to provide solutions in long-term financial strategies, trust and estate services, insurance, retirement planning, as well as wealth management banking, mortgage, and credit services through Bank of America. His client focus areas include college education planning, divorce transition planning, equity compensation services, family wealth management strategies, and small business strategies. He holds a Bachelor of Science degree from Fairfield University and a Master of Business Administration from Seton Hall University. Joseph is a CERTIFIED FINANCIAL PLANNER (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is actively involved in his community as an Auxiliary Officer for the Madison Police Department and coaches Madison Junior Football. Joseph resides in Madison, New Jersey, where he is a fourth-generation resident, with his family.

Antonia Arena is a Financial Advisor based in Morristown and Short Hills, serving individuals, families, and business owners. She began her career in wealth management in 2020 and established her own practice in 2023 after gaining experience supporting a team at Merrill Lynch Wealth Management. Antonia specializes in investment management, retirement planning, and estate planning services, focusing on aligning financial decisions with clients' long-term objectives. She holds a Bachelor's degree in Finance from Ramapo College, where she was actively involved in the Investment Club and continues her engagement as a member of the Ramapo Alumni Business Board. Antonia has attained the Certified Plan Fiduciary Advisor® (CPFA®) designation and holds credentials as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). She is a member of Merrill's Christian Advisor Group and the Financial Women's Association. In addition to her advisory work, Antonia operates a high-end clothing resale business on Poshmark. Raised in Holmdel, New Jersey, she attributes her strong work ethic and entrepreneurial spirit to her upbringing. Antonia is also involved in community initiatives such as Hope For Children.