Karlena Renan

Jacob Normand is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his career in financial services in 2019 and focuses on providing clients with comprehensive wealth management strategies tailored to their individual needs. Jacob works closely with clients to help them make informed decisions and develop plans that align with their goals. His areas of expertise include college education planning, personal retirement planning, small business strategies, socially responsible and values-based investing, ESG investing, and retirement income. Jacob holds a Bachelor's Degree from the University of Mary Washington and is a Personal Investment Advisor (PIA). He is fluent in English and French. Outside of his professional role, Jacob is involved in the community through his participation with the Spotsylvania County Little League, where he umpires baseball games. He also has personal interests in baseball, music, and writing.

Albert Merchent is a Senior Vice President and Senior Resident Director - Wealth Management Advisor at Merrill in Fredericksburg, VA. With a career spanning over four decades since 1982, he has dedicated more than 25 years to financial, wealth, and asset management. Albert focuses on helping clients develop personalized financial strategies aimed at pursuing long-term goals, including college education planning, personal retirement planning, tax minimization, and retirement income. He holds a Bachelor of Science degree in Business Administration from the University of Richmond's Robins School of Business and a Master of Business Administration with a concentration in Finance and Investments from George Washington University's School of Business. Albert has earned several professional designations, including Certified Investment Management Analyst® (CIMA®), Chartered Retirement Planning Counselor™ (CRPC™), and Personal Investment Advisor (PIA). His approach is informed by extensive experience navigating market cycles and the power of compounding returns. Beyond his professional work, Albert is active in his community as a member of the Rotary Club of Rappahannock-Fredericksburg and has held various positions at Trinity United Methodist Church. His personal interests include basketball, cooking, football, music, and spending time with his family.