John Bennish

At Back Bay Financial Planning & Investments, we specialize in helping individuals and families navigate the transition into retirement—especially those relocating to, or already enjoying life along, the Maryland and Delaware coasts. We provide financial clarity and confidence so you can focus on what really matters: enjoying your life at the beach. What You Can Expect From Us: A Personalized Retirement Roadmap We build your financial plan around your lifestyle goals, values, and priorities. From income strategies to long-term projections, we design a plan built to evolve with you. Tax-Smart Planning We help you make the most of your income and investment withdrawals, with proactive strategies to reduce your tax burden now and in the future. Investment Management Our portfolios are thoughtfully constructed to reflect your retirement timeline and risk preferences—with a focus on keeping costs low and outcomes aligned with your goals. Estate & Legacy Coordination We’ll work alongside your attorney or help you think through your legacy wishes, ensuring your wealth passes smoothly and intentionally to the next generation. Ongoing Support & Real Conversations You’ll have a dedicated partner who explains the complex in plain English, stays in touch proactively, and adapts your plan as life evolves. We limit the number of clients we serve so we can deliver the kind of hands-on, highly personalized advice that bigger firms often can’t match. Our mission is simple: help you retire with confidence and live fully in the coastal community you love.

Dahri Jahn is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in working with business owners to secure their wealth and maximize their exit strategies. He leverages Merrill’s investment insights and Bank of America’s banking services to develop tailored financial plans designed to address his clients’ unique business and personal goals. Dahri’s areas of expertise include corporate executive services, executive compensation, family wealth management strategies, legacy planning, philanthropic planning, and tax minimization. He and his team utilize Merrill’s Personal Wealth Analysis financial modeling tool to help business owners enhance the value of their exits and protect their wealth from unnecessary risks. Dahri’s approach encompasses collaborations with networks specializing in private sale referrals, mergers and acquisitions, advanced tax mitigation, and access to pre-vetted investment opportunities. He holds a bachelor’s degree in Finance from the Smith School of Business at the University of Maryland. Outside of his professional work, Dahri resides in Bethesda, Maryland, and enjoys running, hiking, reading, traveling, volunteering in the community, and supporting the University of Maryland Terps athletics.

Lucas Holmes is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on helping clients develop personalized strategies to pursue their financial goals, including personal retirement planning, portfolio management, individual and corporate investment strategies, tax minimization, and retirement income. Lucas holds a Bachelor's Degree from Salisbury University and has earned the designation of Personal Investment Advisor (PIA). He emphasizes understanding his clients' unique perspectives and priorities to provide tailored financial advice. His approach includes assisting with general investing, retirement planning, and saving for unexpected events. Outside of his professional work, Lucas has interests in baseball, basketball, and golfing.

Philip Zimmerman is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 30 years of experience serving C-suite executives, entrepreneurs, professionals, and retirement plan sponsors. Philip focuses on creating goals-based financial strategies for individuals that emphasize retirement planning, tax-efficient inter-generational wealth transfer, managing stock options and restricted shares, and maximizing tax deferral. For retirement plan sponsors, he assists in optimizing plan design to align with organizational goals, enhances tax-deferral opportunities for key employees, provides access to fiduciary services, and supports participant financial wellness and retirement readiness. Philip joined Merrill Lynch Wealth Management in 2005 after a tenure at Morgan Stanley from 1988 to 2005. He holds a Bachelor of Science degree from New York University and professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise extends to managing personalized investment strategies incorporating traditional and ESG investments, retirement planning, concentrated stock management, charitable gifting, and estate planning coordination. In addition to his advisory work, Philip has been involved with the Delaware County Estate Planning Council as a board member and participates in the Philadelphia Estate Planning Council, the Philadelphia Alliance for Capital & Technologies, and the Foreign Policy Research Institute. He has volunteered as a Community City Leader for Bunker Labs, a nonprofit incubator supporting veteran entrepreneurs, and is a repeated platelet donor for the American Red Cross. Outside of his professional and community commitments, Philip enjoys cooking, golfing, music, reading, and spending time with his family.

Robert Bianca is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1986 and works primarily with affluent families and individuals, assisting them in various wealth management areas such as retirement income planning, gifting, and estate planning services. He holds a bachelor's degree from the University of Maryland and a master's degree in finance from Loyola University Maryland. Robert has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His client focus areas include college education planning, divorce transition planning, socially responsible and values-based investing, special needs planning strategies, individual and corporate investment strategies, tax minimization, and retirement income. Outside of his professional role, Robert enjoys baseball, basketball, boating, fishing, and football. He resides in Ellicott City, Maryland with his family.

William Mustin is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1996 after building and selling a contracting company. His background includes a lifelong interest in investing, which started in high school. William’s areas of focus include executive compensation, family wealth management strategies, employee financial health, managing new wealth, personal retirement planning, philanthropic planning, tax minimization, and retirement income. He prioritizes cultivating close relationships with clients to address their financial goals related to lifestyles and legacies. William holds the Personal Investment Advisor (PIA) designation and earned an Associate's Degree from Arundel College. Outside of work, William resides in Bel Air, Maryland with his wife, Melissa. He enjoys spending time outdoors fishing, hunting, cycling, and woodworking. He is involved in supporting Shriner’s Children’s Hospital and other non-profit organizations.