Fredericksburg, VA Princess Anne St Office

Jacob Normand is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to help bring structure and confidence to their financial lives by combining modern tools, data-driven insights, and thoughtful investment strategies with a personal, relationship-first approach. Jacob's expertise includes college education planning, personal retirement planning, small business strategies, socially responsible and ESG investing, and retirement income. He focuses on helping clients make informed decisions across all areas of their financial picture with plans tailored to reflect what matters most to each client. He holds a Bachelor's Degree from the University of Mary Washington and has earned the designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Beyond his professional work, Jacob is involved in his community through the Spotsylvania County Little League and has personal interests in baseball, music, and writing.

Karlena Renan is the Senior Resident Director at Merrill Lynch Wealth Management, where she oversees a team of financial advisors. She brings extensive experience in providing financial strategies and guidance to successful individuals and business owners. Karlena follows a disciplined wealth management process that incorporates time-tested investment principles and adapts to evolving economic conditions. Her approach emphasizes listening closely to clients in order to develop customized strategies that align with their personal and financial goals. Karlena’s expertise includes areas such as college education planning, family wealth management, legacy planning, retirement income strategies, tax minimization, and portfolio management services. She is dedicated to delivering premier service and leveraging Merrill’s extensive resources to help clients navigate each stage of their financial lives. In addition to her advisory role, she has been serving as the Resident Director of Merrill's Plantation, Florida office since May 2013, where she manages the activities of 16 financial advisors. Karlena holds a Bachelor's Degree from Nova Southeastern University and maintains professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is based in East Fort Lauderdale and enjoys spending time with her family, playing golf, traveling, and engaging in various sports and cultural activities.

Albert Merchent is a Senior Vice President and Senior Resident Director - Wealth Management Advisor at Merrill in Fredericksburg, VA. With a career spanning over four decades since 1982, he has dedicated more than 25 years to financial, wealth, and asset management. Albert focuses on helping clients develop personalized financial strategies aimed at pursuing long-term goals, including college education planning, personal retirement planning, tax minimization, and retirement income. He holds a Bachelor of Science degree in Business Administration from the University of Richmond's Robins School of Business and a Master of Business Administration with a concentration in Finance and Investments from George Washington University's School of Business. Albert has earned several professional designations, including Certified Investment Management Analyst® (CIMA®), Chartered Retirement Planning Counselor™ (CRPC™), and Personal Investment Advisor (PIA). His approach is informed by extensive experience navigating market cycles and the power of compounding returns. Beyond his professional work, Albert is active in his community as a member of the Rotary Club of Rappahannock-Fredericksburg and has held various positions at Trinity United Methodist Church. His personal interests include basketball, cooking, football, music, and spending time with his family.

Bernard Mason is a Wealth Management Advisor with Merrill Lynch Wealth Management in Fredericksburg, Virginia. He works with individuals and families to develop wealth planning strategies that align with their financial goals, focusing on areas such as college education planning, legacy planning, retirement income, and socially responsible investing. Bernard holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification and the Chartered Retirement Planning Counselor™ (CRPC) designation. He earned a Bachelor of Science degree from Virginia Polytechnic Institute and State University. His approach emphasizes a client-focused process that includes determining financial objectives, developing tailored strategies, implementing appropriate investment vehicles, and regularly reviewing progress to adjust plans as needed. In addition to his professional work, Bernard is involved in community organizations including the American Red Cross, Kiwanis, and the Virginia Tech Alumni Association.

Thomas Sullivan III is a Series 66 licensed financial advisor with Merrill, based in Fredericksburg, VA, and has three years of industry experience. He has worked at notable firms including Bank of America and Edward D. Jones. Outside of his advisory role, he serves as the Armed Forces & Government Services Chair for the Georgetown Alumni Club of Metropolitan Washington, D.C., where he helps coordinate alumni engagement and events, and he acts as a consultant for Junk Knight LLC, a family-run junk removal business. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Nicole Hawkins Normand is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 24 years of experience in the financial services industry. Based in Fredericksburg, northern Virginia, she leads a team focused on providing affluent individuals and businesses with comprehensive personal wealth analyses, thoughtful tax-sensitive planning, investment guidance, retirement planning, and wealth management to help clients achieve their financial goals. Nicole holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She graduated from the University of Mary Washington in 1992 with a Bachelor of Arts degree in Geography and a minor in Economics. She is a member of the University of Mary Washington Alumni Association. She actively participates in the community through involvement with organizations such as the Fredericksburg Department of Social Services, the Gerry Bertier #42 Foundation, Habitat for Humanity, Spotsylvania County Little League, and Thrive, the healing center, where she has served as past president of the board. Outside of work, Nicole enjoys baseball, softball, traveling, and supporting local sports teams like the Fredericksburg Nationals.

Nathaniel Ewoldt is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, small business strategies, and tax minimization. Nathaniel focuses on creating personalized financial strategies that align with clients' long-term goals, leveraging investment insights from Merrill and banking solutions from Bank of America. Nathaniel brings a commitment to service shaped by his upbringing, with a background influenced by a family legacy of a Baptist preacher and a Naval aviator. He emphasizes financial planning as a means to empower clients to make informed decisions reflecting their values and objectives. Nathaniel holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from Virginia Military Institute and is fluent in both English and Spanish. In addition to his professional work, Nathaniel participates in community volunteer activities and enjoys personal interests such as baseball, football, ice hockey, cooking, reading, traveling, and spending time with his family.