Charles Baker

Michael Relyea is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of Relyea, Barcelona, Sperrazza & Associates. He has worked in the financial services industry since 1997, gaining experience in various positions across three different firms. This diverse background contributes to his approach to providing financial advice. Michael is part of a team that includes partners Mylene Barcelona and Charles Sperrazza, along with assistants Chelsea Pagoaga and Teresa Proulx. The team combines different skill sets to deliver comprehensive resources and perspectives to clients, enhancing the likelihood of achieving their financial goals. He holds the professional designations Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), and Personal Investment Advisor (PIA). Michael earned a Bachelor's Degree from the University of Richmond and completed an Accredited Certificate Program at the American College.

Neil Palka is a Wealth Management Advisor with Merrill Lynch Wealth Management. He collaborates with clients to develop and implement personalized financial strategies tailored to their long-term goals. Neil’s approach involves understanding each client’s full financial picture and adapting plans over time to reflect changes in their needs and objectives. He provides expertise across wealth creation, preservation, and transfer, assisting clients through various life stages. Neil’s client focus areas include divorce transition planning, employee benefits planning, executive compensation, services for endowments, foundations and non-profits, defined benefit plans, employee financial health, personal retirement planning, portfolio management, small business strategies, and retirement income. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Neil earned a Bachelor’s degree from the University of Florida, in addition to his high school diploma from Cocoa Beach High School. He is involved in community mentoring as a mentor for first-generation college students and provides financial literacy training for University of Florida student athletes. Additionally, he participates in the Gator Family Giving Council. Outside of work, Neil enjoys boating, fishing, running, swimming, traveling, volleyball, and spending time with his family.

Melisa Lemoyne is a Senior Financial Advisor at Merrill Lynch Wealth Management. She focuses on family wealth management strategies, personal retirement planning, tax minimization, and retirement income. Melisa is committed to developing personalized financial strategies tailored to her clients’ long-term goals. Melisa brings extensive expertise in assisting individuals and families as they prepare for retirement, emphasizing listening to clients’ stories and understanding their concerns. Her approach addresses complex financial issues such as longevity and dementia through comprehensive wealth management plans that integrate retirement income, healthcare, and estate planning services. She holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Melisa holds a High School Diploma from Christian Brothers Academy, a Bachelor’s degree from LeMoyne College, and a Master’s degree from the State University of New York at Albany. She is active in the Central New York community, involved with organizations such as the Alzheimer’s Association, Central New York Chapter, and the New York State Children’s Alliance, Inc. Outside of work, she enjoys boating, golfing, reading, skiing, and watching movies.