Merit Financial Partners LLC

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.

Elizabeth Cox is a CFP®-certified financial advisor with 20 years of industry experience. She is affiliated with Merit Financial Partners LLC and has previously worked at Mtp Advisors, Cox Financial Services, LLC, Divorceu.Com, and Raymond James Financial Services, Inc. Her experience includes roles extending back to 2006, with involvement in Divorceu.Com since 2007. Merit Financial Partners serves individual and high-net-worth clients, trusts, estates, retirement plans, and charitable organizations, providing fee-only financial planning, investment consultation, and discretionary portfolio management. The firm uses a fiduciary approach that combines fundamental and technical analysis, strategic asset allocation, and diversified portfolios, employing low-cost index funds and ETFs alongside active strategies as appropriate.

Edward Esposito is a financial advisor with Merit Financial Partners LLC, holding a Series 65 designation and five years of industry experience. He has been with Merit Financial Partners since 2021 and has also worked as a self-employed tax accountant providing tax preparation and accounting services since 2016. Merit Financial Partners serves individual and high-net-worth clients, as well as trusts, estates, retirement plans, and charitable organizations, offering fee-only financial planning, investment consultation, and discretionary portfolio management. The firm employs a fiduciary approach combining fundamental and technical analysis with strategic asset allocation and diversified portfolios, using low-cost index funds and ETFs alongside active strategies when appropriate.

Richard Terry is a CFP® professional with 10 years of industry experience. He has worked at Merit Financial Partners LLC since 2018 and previously spent 11 years with Mtp Advisors. Merit Financial Partners serves individual and high-net-worth clients, as well as trusts, estates, retirement plans, and charitable organizations, providing fee-only financial planning, investment consultation, and discretionary portfolio management. The firm employs a fiduciary approach combining fundamental and technical analysis with an emphasis on strategic asset allocation and diversified portfolios, using low-cost index funds and ETFs alongside active strategies when appropriate.

Hrefna Martin is a CFP® professional with 15 years of experience in financial advising. She is affiliated with Merit Financial Partners LLC, where she has worked since 2015. Prior to that, she was with Resnick Advisors from 2011 to 2015. Martin also works as an independent contractor preparing financial plans for another RIA firm. Merit Financial Partners serves individual and high-net-worth clients, trusts, estates, retirement plans, and charitable organizations, offering fee-only financial planning, investment consultation, and discretionary portfolio management. The firm employs a fiduciary approach that combines fundamental and technical analysis, emphasizes strategic asset allocation, and utilizes low-cost index funds and ETFs alongside active strategies.