Toms River, NJ Hooper Ave Office

Raymond Caggiano III is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at Massachusetts Mutual, Santander Securities, Santander Bank, and Sorrento Pacific Financial. He is also the managing partner of UCPC Family Partnership, a family partnership that owns commercial 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies designed by internal and third-party managers.

Fred Peters is a Senior Financial Advisor with Merrill Lynch Wealth Management. He applies Merrill’s Goals-Based Wealth Management process to help clients pursue meaningful financial objectives by prioritizing clear decision-making and transparency. Fred serves a diverse clientele including business owners, entrepreneurs, retirees, senior citizens, and families with special needs members, developing tailored strategies for short- and long-term financial goals. With over sixteen years of management experience prior to joining Merrill Lynch in 2016, Fred leverages his expertise to address complex financial challenges such as special needs planning, retirement income, philanthropic planning, and personal retirement planning. He holds a Bachelor’s Degree from Richard Stockton College of New Jersey and is pursuing an MBA at Georgian Court University. Fred’s professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fred is active in his community, serving on boards for the Brick Township Chamber of Commerce, Greater Toms River Chamber of Commerce, and Ocean County Family Service Organization, as well as participating with the Brick Township Morning Rotary Club. Outside of work, he enjoys chess, football, music, racquetball, running marathons, spending time with his family, and watching movies. As a military parent, he supports armed forces deployments with personal dedication.

Jonathan Panigel is a Financial Advisor with Merrill Lynch Wealth Management, specializing in managing new wealth, personal retirement planning, and portfolio management services. He has a longstanding passion for investing and wealth planning that dates back to high school and is dedicated to helping clients achieve their financial goals. Jonathan holds the Personal Investment Advisor (PIA) designation and has completed an Accredited Certificate Program from Yeshiva Mayen Hatalmud. Since joining Merrill Lynch, he has developed close relationships with his clients, focusing on guiding them to live their best possible financial lives. Outside of his professional work, Jonathan enjoys a variety of personal interests including baseball, basketball, football, ice hockey, music, running, softball, traveling, and spending time with his family.

Christopher Carbone is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Merrill since 2014 and at Bank of America, N.A. since 2015. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Anthony Caldarise is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he leverages the extensive resources of Merrill and Bank of America to implement comprehensive financial strategies tailored to his clients' needs. His expertise encompasses various areas including retirement planning, legacy planning, family wealth management, portfolio management, individual and corporate investment strategies, and services for endowments, foundations, and non-profits. With a disciplined approach to wealth management, Anthony is committed to understanding what matters most to each client before making financial decisions. He holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated with honors in business, focusing on finance, from Ocean County College and also earned a high school diploma from Monsignor Donovan High School. A lifelong resident of Ocean County, New Jersey, Anthony is actively involved in his community through volunteering and fundraising efforts with organizations including Hope Sheds Light, Rotary Club of Point Pleasant Beach, and Sons of the American Legion. He resides in Ocean County with his family and enjoys dancing, golfing, and spending time with them.

Daniel Stizza serves as the Senior Resident Director at the Toms River Branch of Merrill, where he leads the Stizza Clawson Group to provide advisory services tailored to affluent individuals and corporations locally and nationally. His expertise includes divorce transition planning, personal retirement planning, tax minimization, and retirement income, underpinned by thoughtful, tax-sensitive investment guidance aimed at supporting clients' lifestyles, retirement needs, and legacy goals. Daniel holds a Bachelor's degree from The College of New Jersey and is a CERTIFIED FINANCIAL PLANNER® professional, also holding the designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). He serves as a board member of the RWJ Monmouth Medical Southern Campus Charitable Foundation. Residing in Point Pleasant Beach with his family, Daniel is engaged in his community through involvement with the Make a Wish Foundation, Point Pleasant Beach Little League, and the Point Pleasant Beach Recreation Committee. He coaches his son's little league team and emphasizes giving back, as reflected by the name of his boat, the "Give Back Sea."

Albert Kobular is a financial advisor with Merrill in Toms River, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Merrill since 1987 and has been affiliated with Bank of America, N.A. since 2011. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Yaakov Krumbein is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their priorities and develop strategies aimed at achieving their short-, mid-, and long-term financial goals. His approach involves detailed discussions of clients' financial objectives, concerns, and questions to provide personalized investment and retirement planning guidance, as well as preparation for unforeseen financial needs. His expertise encompasses family wealth management strategies, legacy planning, liquidity management, managing new wealth, individual and corporate investment strategies, tax minimization, and retirement income. Yaakov holds professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Yaakov earned a Bachelor's degree from Fairleigh Dickinson University and a Master's in Financial Planning from the College For Financial Planning. Outside of his professional role, he engages in adventure sports, hiking, table tennis, and spending time with his family.

Matthew Mahon is a financial advisor with Merrill who holds a Series 66 designation and has 19 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. 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 and profit-sharing plans, corporations, and charitable organizations.

Patrick Sheehan is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial situations and helps introduce them to solutions available through Merrill and Bank of America. His objective is to provide clients with the knowledge and tools necessary to manage their financial lives and select platforms suited to their current needs. He specializes in assisting clients with managing multiple financial priorities, such as purchasing a home, saving for education, elder care, and healthcare planning. As a Merrill Financial Solutions Advisor, he works closely with clients to define goals and design portfolio strategies aimed at achieving them, offering ongoing advice and adjusting strategies as client situations evolve. Patrick holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's degree from the University of Maine as well as a Master's degree from Southern New Hampshire University.

Thomas Mcilraith is a financial advisor at Merrill with a Series 66 designation and nine years of industry experience. His prior work includes roles at Bank of America and Uber, as well as a brief tenure at UnbeatableSale.com Inc. 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 strategies for a range of individual and institutional investors.

Mark Loevinger is a Senior Financial Advisor with Merrill Lynch Wealth Management. He leads The Loevinger Group, which focuses on building enduring client-advisor relationships through objectivity and ongoing dialogue. The team specializes in wealth management for high-net-worth individuals and corporate 401(k) and employee benefit services, including expertise in complex benefit plans. Mark and his team customize wealth management strategies to help clients pursue financial goals, often collaborating with clients’ tax and legal advisors on tax-efficient planning. They regularly review plan progress to ensure alignment with clients’ objectives, utilizing the full range of Merrill Lynch resources and specialists to deliver comprehensive and customized financial solutions. Mark has been with Merrill Lynch since 2011 and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Beth Medrash Govoha. Mark is active in his community, volunteering with organizations such as Chai Lifeline and Nesivos. He resides with his family in Ocean County, New Jersey. His client focus areas include divorce transition planning, executive compensation, endowment and foundation services, defined benefit and contribution plans, liquidity management, managing new wealth, portfolio management, small business strategies, and tax minimization. Mark’s approach involves leveraging the combined investment insights of Merrill Lynch and the banking and lending solutions of Bank of America to help clients achieve their financial goals.

Michael Rodriguez is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America, N.A., among other firms. 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.

Lawrence Cagliostro is a Senior Financial Advisor and First Vice President of Wealth Management at Merrill Lynch in the Toms River, New Jersey branch. He focuses on family wealth management strategies, philanthropic planning, and portfolio management services. Drawing on extensive experience from his previous role at Morgan Stanley in Toms River, Lawrence develops close relationships with clients often spanning multiple generations and addresses concerns including early retirement, job transitions, retirement account needs, concentrated stock positions, and comprehensive retirement planning strategies. Lawrence holds a Bachelor's Degree from Rider University and a Master's Degree from Georgian Court University. He has earned the Professional Investment Advisor (PIA) designation, reflecting his commitment to professional development and client service. Beyond his advisory role, Lawrence participates in community service as a board member of the Salvation Army. His approach emphasizes creating personalized financial strategies tailored to each client's long-term goals, supported by the investment insights of Merrill and the resources of Bank of America.

Benjamin Kaplowitz is a Senior Financial Advisor at Merrill Lynch Wealth Management. With over 12 years of experience in the financial industry, he specializes in developing personalized financial strategies tailored to the unique needs of his clients. He assists clients with areas including family wealth management, liquidity management, retirement planning, philanthropic planning, portfolio management, small business strategies, and tax minimization. Benjamin holds a Bachelor's Degree and a Master's Degree from Beth Medrash Govoha and carries the designation of Personal Investment Advisor (PIA). He follows Merrill's tradition of community participation and spends time volunteering with organizations in his local community. Outside of his professional work, Benjamin has interests in baseball, basketball, running, and writing. He works one-on-one with clients to develop financial strategies designed to help pursue their long-term goals.