Anthony Caldarise

David Lowenthal is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 20 years of experience in the financial services industry, working with high net-worth individuals, foundations, endowments, and family offices. David focuses on global asset management with an emphasis on real and after-tax growth, wealth transfer strategies, and risk management. He collaborates with clients and their trusts, estates, and tax planning professionals to develop comprehensive retirement, estate, and philanthropic plans. David's approach integrates behavioral finance, psychology, and proprietary financial models to provide tailored strategies aligned with clients’ risk tolerance, time horizons, liquidity needs, and investment objectives. He maintains a hands-on role in implementing clients’ financial plans and monitoring ongoing progress, prioritizing trust and personalized service. His work includes estate planning, trusts, retirement planning, real estate, hedge funds, and asset management. David holds a Bachelor’s Degree and a Master’s Degree in Rabbinic and Talmudic studies from Beth Medrash Govoah. He is a Personal Investment Advisor (PIA) and communicates fluently in English and Hebrew. He lives in Lakewood, New Jersey, with his wife and six children and is active in local community events.

Robert Moriggia is an Investment Consultant who works with individuals and families to build trusted, long-term relationships centered on their financial goals and evolving needs. He emphasizes listening first, providing clear and thoughtful guidance, and tailoring strategies to each client's situation. His approach focuses on consistent communication and transparency to ensure clients feel informed and confident in their decisions. Robert's professional experience includes roles as a Financial Analyst at JPMorgan Chase from 2024 to 2025 and as a Private Client Banker at JPMorgan Chase from 2022 to 2024. This background has contributed to his expertise in financial analysis and client banking services. Outside of his professional work, Robert has interests in fitness, football, military service, parenthood, reading, and traveling.

James Krakowski is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 20 years of experience in financial services, focusing on a comprehensive approach to managing wealth that begins with understanding each client's goals and values. James specializes in areas such as family wealth management strategies, legacy planning, liquidity management, managing new wealth, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Before his current role, James served as a Vice President and Wealth Management Private Banker at Wells Fargo Private Bank. He holds a Bachelor's Degree from Montclair State University and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). James emphasizes collaboration with clients to define what matters most as they prepare for various life stages, addressing key life priorities such as family, finances, health, home, leisure, work, and giving. Outside of his professional work, James enjoys baseball, basketball, chess, football, golfing, running, and spending time with his family. He resides in Brielle, New Jersey with his wife and two children.

Carmine Dellanno is a Financial Consultant at Fidelity Investments, where he partners with clients to develop financial plans for major life goals including retirement, home purchases, and college expenses. He also assists clients in creating investment strategies tailored to their goals, risk tolerance, and investment preferences. Carmine has held multiple roles at Fidelity Investments, progressing from Investment Solutions Representative 1 (2022-2023), to Investment Consultant (2023-2025), and currently Financial Consultant since 2025. Prior to Fidelity, he worked as an Investment Specialist at Merrill Edge in 2022 and as a Teller at TD Bank in 2021. Outside of his professional work, Carmine enjoys baseball, football, golf, family activities, and social events with friends.

Rachel Foti is a Planning Consultant at Fidelity Investments, a position she has held since 2025. In her role, she works closely with clients to develop customized financial plans tailored to their family's unique needs, emphasizing ongoing communication and strategic plan improvement. Her professional experience includes roles as an Associate Producer and Paraplanner at The Garback Agency in 2025, and as an Associate Producer at Dennis R. Hahn Financial and Insurance Services from 2017 to 2025. Earlier in her career, she worked as a Registered Phone Representative at Merrill Lynch from 2015 to 2017. Rachel holds a California Insurance License. Outside of her professional work, Rachel is involved in family activities and social events with friends. She also enjoys snowboarding and traveling.

Russ McNamara is the Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2016. He brings a comprehensive approach to his work, focusing on understanding his clients' objectives to help them develop personalized financial plans. Prior to his current role, he was a Vice President and Financial Consultant at Fidelity Investments from 2009 to 2016. His professional experience includes roles as Vice President and Branch Manager as well as Investment Specialist at Charles Schwab & Co. between 1995 and 2004, and Financial Consultant at Merrill Lynch from 1991 to 1995. He holds a California Insurance License. Outside of his professional duties, Russ enjoys family activities, fitness, golf, hiking, movies, and traveling.