Manasquan, NJ Highway 35 Office

James Krakowski is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in delivering comprehensive wealth management strategies that align with clients' individual goals and values. His approach emphasizes understanding each client's unique financial objectives through one-on-one communication, enabling tailored solutions across various aspects of wealth management. With over 20 years of experience in the financial services industry, James focuses on areas including family wealth management strategies, legacy planning, liquidity management, portfolio management, and tax minimization. He serves a diverse client base, including high-income professionals, doctors, medical practitioners, executives at large-cap tech and private companies, as well as closely-held business owners and real estate investors. His expertise includes coordinating investments, tax planning, and cash needs to preserve wealth and facilitate financial freedom. James holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned his education at Montclair State University. Outside of work, James enjoys baseball, basketball, chess, football, golfing, running, and spending time with his family, residing in Brielle, New Jersey.

Robert Marsiglia is a financial advisor with Merrill in Manasquan, NJ, holding Series 63 and Series 66 credentials and bringing 41 years of industry experience. He has been with Merrill and its affiliate Bank of America since 2012. Outside of his financial career, he is the band leader of a Christian R and B band called The Next Generation of Soul. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Joann Polis is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been working since 2001. She collaborates closely with Candice in developing and implementing investment strategies tailored to their clients' needs. Joann's expertise includes college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management services, women and wealth, and retirement income. Joann holds a Master's Degree from Monmouth University and a Bachelor's Degree from Gettysburg College. She also carries the Personal Investment Advisor (PIA) designation. She focuses on helping clients achieve their financial goals through a disciplined and personalized approach to wealth planning, assisting individuals in understanding their complete financial picture to overcome obstacles and reach their objectives. Residing in Middletown, New Jersey, Joann lives with her husband and three daughters. Outside of her professional commitments, she enjoys boating, dancing, spending time with her family, and practicing yoga.

Zachariah Ivins is a financial advisor at Merrill Lynch Wealth Management with nearly two decades of experience in financial services. He operates a client-first practice structured like a private family office, coordinating investment management, estate and trust planning, business succession strategies, tax-efficient approaches, and lending and banking services. His work focuses on integrating various aspects of clients' financial lives to help them achieve their goals. Zachariah specializes in serving business owners planning for growth, succession, or the sale of their company; estate and trust clients aiming to preserve and pass on wealth; and families and individuals undergoing transitions such as liquidity events, career changes, retirement, or divorce. He primarily serves clients in Monmouth County, New Jersey, New York City, and across much of the United States. He holds a Personal Investment Advisor (PIA) designation and earned a high school diploma from Shore Regional High School. Outside of his professional work, Zachariah has interests that include antiquing, boating, cooking, fishing, music, spending time with family, tennis, and traveling.

Daniel Rasmussen is a financial advisor at Merrill with over 21 years of industry experience. He holds the Series 66 designation and has been with Merrill since 1993. Outside of his advisory role, he serves as an executor for a family estate. 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.

Frank Fallon is a Financial Advisor at Merrill Lynch Wealth Management with over 16 years of experience in wealth management. He specializes in helping families build and protect their wealth through personalized strategies tailored to their financial goals. His areas of focus include college education planning, family wealth management, legacy planning, liquidity management, managing new wealth, retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. Frank holds the Personal Investment Advisor (PIA) designation and has completed a non-accredited certificate program from The Chubb Institute. He approaches client relationships with prudence, integrity, and commitment, aiming to deliver results that align with each client's unique objectives. Outside of his professional work, Frank enjoys baseball, basketball, boating, boxing, chess, cooking, football, hiking, music, and spending time with his family.

Sean Flaherty is a financial advisor with Merrill in Manasquan, NJ, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. He has worked at Merrill since 1994 and has been affiliated with Bank of America, NA since 2009. Merrill serves a diverse client base including individuals, retirement plans, corporations, charities, and institutional clients, providing investment management through various managed account programs and manager-selected strategies. The firm integrates closely with Bank of America affiliates and emphasizes tax-focused investment services and manager-selection capabilities.

Tracy Montgomery is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 1996, also working with Bank of America since 2014. Outside of her advisory role, she serves as the executor of a family estate. 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, and institutional investors.

Bryan Perry is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2001 and also associated with Bank of America since 2009. Outside of his advisory role, he serves as a council member for the Borough of Sea Girt, New Jersey. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ralph Gambino is a Financial Advisor at Merrill Lynch Wealth Management. He works directly with clients to simplify their financial situations and develop personalized strategies that adapt to their evolving goals and lives. Ralph focuses on delivering ongoing guidance tailored to what matters most to his clients and their families. He has experience assisting families nearing retirement, professional athletes, entertainers, and C-suite executives in organizing their financial lives and planning for the future. His areas of expertise include corporate executive services, executive compensation, personal retirement planning, portfolio management services, small business strategies, sports and entertainment, individual and corporate investment strategy, and retirement income. Ralph holds a Bachelor's Degree from the Pennsylvania State University System and a Master's Degree from Felician College. He has earned the designations of Certified Financial Planner (CFP), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional work, Ralph enjoys baseball, golfing, music, spending time with his family, and traveling.

Matthew Cali is a Wealth Management Advisor with Merrill Lynch Wealth Management, joining the firm in 2006. He provides advisory services focused on income generation, capital preservation, conservative to moderate investment strategies, wealth transfer, and proactive financial guidance aimed at improving clients' financial situations. His expertise includes corporate benefits, family wealth management strategies, legacy planning, personal retirement planning, philanthropic and socially responsible investing, tax minimization, and retirement income planning. Matthew earned a Bachelor of Science degree from Richard Stockton College of New Jersey in 2004. He holds the CERTIFIED FINANCIAL PLANNER® certification, Personal Investment Advisor (PIA) designation, as well as Series 7 and 66 registrations through FINRA. Additionally, he maintains New Jersey licenses for life, health, and long-term care insurance. He is a member of the Estate and Financial Planning Council of Central New Jersey. Born and raised at the Jersey Shore, Matthew currently resides in Oakhurst with his wife, Juliana. He is actively involved in the community through organizations such as Big Brothers/Big Sisters of Monmouth, POAC, and Sea of Change. His personal interests include hiking, music, surfing, traveling, yoga, and spending time with family.

Kyle Payne is a Senior Financial Advisor at The Payne Perry Group, part of Merrill Lynch Wealth Management. He joined the team in May 2018 and focuses on goals-based wealth management to assist individuals, families, physicians, retirees, private businesses, and non-profit organizations in achieving their financial objectives. Kyle and his team leverage the resources of Merrill Lynch and Bank of America to develop customized strategies that align with clients' short and long-term goals while managing risk. Kyle has been involved in the financial industry for over a decade, driven by a passion for quality wealth management stemming from observing the financial crisis of 2007-2008 and its impact on loved ones' wealth. He graduated in 2015 from the University of Delaware with the first Financial Planning degree offered by the Alfred Lerner College of Business and Economics. Kyle holds the Accredited Asset Management Specialist (AAMS) and Chartered Retirement Planning Counselor (CRPC) designations from the College of Financial Planning Institutes Corp, as well as the Personal Investment Advisor (PIA) credential. Residing in Shark River Hills with his wife and daughter, Kyle brings a disciplined and methodical approach to financial planning, emphasizing thorough preparation and risk management. His client focus areas include college education planning, family wealth management, legacy planning, liquidity management, retirement income, portfolio management, and tax minimization.

Thomas Cali is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1999 and joined Merrill Lynch in the same year as a Financial Advisor. Thomas focuses on addressing the complex financial needs of high net worth clients by offering investment, estate and wealth transfer strategies, liability planning, and insurance solutions. He is a qualified Portfolio Manager who designs and manages personalized investment strategies incorporating individual securities, Merrill model portfolios, and third-party strategies. Additionally, he serves clients through the firm's Investment Advisory Program, managing portfolios on a discretionary basis when appropriate. Thomas earned a Bachelor of Science degree in Business Administration and High Technology Management from California State University in 1999. He holds the Chartered Retirement Planning Counselor™ (CRPC™) designation and the Personal Investment Advisor (PIA) designation. He also maintains several registrations and licenses through the Financial Industry Regulatory Authority (FINRA) and state insurance authorities, including Series 7, 24, and 66 registrations, as well as New Jersey Life, Health, and Long Term Care Insurance Licenses. Residing in Brielle with his wife Amy and their two sons, Thomas is active in local philanthropic organizations. Outside of his professional role, he enjoys spending time with his family, sport fishing, biking, boating, cooking, gardening, surfing, traveling, and woodworking.

Scott Barrington is a Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1998 and recently transitioned his career to Merrill. Prior to this, Scott worked within the private bank at another financial firm for nearly 20 years, where he held several positions including Senior Investment Strategist responsible for managing investment strategy for the Northeast region. In this role, he managed a discretionary portfolio totaling over 1 billion dollars for Ultra High Net Worth clients. His areas of expertise include family wealth management strategies, socially responsible, values-based, and ESG investing, as well as tax minimization. Scott and his team focus on minimizing taxes for closely-held business owners and real estate investors, partnering with Commercial Bank, Private Bank, and Wealth Planning teams to provide comprehensive solutions such as liquidity management, individual and corporate investment strategy, legacy planning, M&A advisory, and family wealth management. He values trust and transparency in every client interaction. Scott holds a Bachelor's Degree from Stockton University and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of work, he enjoys coaching soccer and competing in charity runs.

Margaret Mac Lellan is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. Her prior work includes roles at Bank of America and Patricia’s of Holmdel, as well as time at Manhattan College. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.