Financial advisors for Retirement Planning

Erik Vatter is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in helping individuals and institutions define their financial goals, implement customized strategies, and provide ongoing advice. Since beginning his career in financial services in 2003, Erik has held roles as both a financial advisor and senior executive, with experience spanning regional and national responsibilities. His client focus areas include family wealth management strategies, personal retirement planning, and tax minimization. Erik holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and is a Personal Investment Advisor (PIA). He earned his bachelor’s degree from the Pennsylvania State University System. Erik utilizes tools such as the Merrill Personal Wealth Analysis® to develop personalized plans that address complex retirement and wealth management questions. His approach is designed to help clients move beyond general advice to create tailored financial strategies. Outside of his professional role, Erik and his family actively participate in their community’s sports, arts, and cultural institutions. He is involved with organizations such as All Faiths Food Bank and CareerEdge - Sarasota. In his personal time, Erik enjoys playing soccer, cooking, and supporting Penn State athletics.

Brett Canzano is a Financial Consultant who works closely with clients to develop financial plans that support their financial and life goals. He aims to build lasting relationships by providing easy-to-understand education and personalized strategies that address clients' evolving needs. Brett has professional experience as a Benefits & Planning Consultant and Executive Services at Fidelity Investments from 2023 to 2024, as well as a Workplace Planning Consultant at Fidelity Investments from 2021 to 2023. He holds insurance licenses in Arkansas and California. Outside of his professional role, Brett has interests in cooking and baking, fitness, food, music, reading, and running.

I’m the founder of ClearMind Capital, a fee-only financial planning firm focused on helping people approach retirement with clarity and confidence. I work with individuals and families who have saved diligently and want help turning their money into a plan that supports the life they want to live. My role is to bring structure, perspective, and guidance around retirement income, taxes, investment strategy, and long-term decision-making. The goal is simple: help clients feel grounded in their plan and confident in the path ahead.

Kevin Hargrove is a Financial Consultant at Fidelity Investments, where he has been serving since 2023. He has extensive experience within Fidelity, having held roles such as Director Retirement Planner in the Tax-Exempt market from 2017 to 2023, and positions focused on retirement and investment solutions from 2013 onward. Kevin is a CERTIFIED FINANCIAL PLANNER™ who partners with clients and their families to develop and maintain financial plans that align with their priorities and values. He holds insurance licenses in Arkansas and California, supporting his ability to serve clients in these regions. Outside of his professional work, Kevin engages in activities including comedy, family activities, fitness, golf, and running.

Joseph Torrice is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds multiple professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Joseph earned his Bachelor's Degree from the University of Virginia. His credentials reflect his focus on retirement planning and fiduciary advising within the wealth management sector.

Andrea Flood is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants and their clients to develop financial plans aimed at achieving long-term financial goals. She has been with Fidelity Investments since 2021, progressing through various roles including Relationship Manager, Financial Representative, Retirements Representative, and Customer Relationship Advocate. Her experience spans client relationship management and financial planning within Fidelity Investments. Andrea applies her expertise to support clients in constructing comprehensive financial strategies. Outside of her professional role, Andrea enjoys cooking and baking, fitness activities, social events with friends, hiking, kayaking, and spending time with her pets.

Salman Alsaeede is a Financial Advisor with Merrill Lynch Wealth Management, specializing in working with high net worth individuals, families, and business entities. He focuses on assessing and evaluating clients' financial circumstances to provide tailored advice and recommendations aimed at achieving their unique goals through custom solutions. His expertise encompasses executive compensation, equity compensation services, family wealth management strategies, institutional investment consulting, services for endowments, foundations, and non-profits, managing new wealth, portfolio management services, and individual and corporate investment strategies. Salman takes the time to understand clients' priorities to develop personalized strategies addressing their short-, mid-, and long-term objectives. He also provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. Salman holds a Master's Degree from the University of Cambridge and a Bachelor's Degree from Queen Mary University of London. He holds the Professional Designation of Personal Investment Advisor (PIA). Outside of work, he enjoys camping, chess, scuba diving, soccer, spending time with his family, and traveling.

Danny Munoz is currently a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2020. He has nearly two decades of experience in the financial services industry, all of which has been with Fidelity. Throughout his career, Danny has held multiple positions including Financial Consultant, Senior Portfolio Specialist, Retirement Relationship Manager, and 401k Specialist. Danny's expertise spans various aspects of financial consulting and portfolio management. He holds insurance licenses in Arkansas and California. He is committed to ethical practices and financial literacy, focusing on delivering a high level of service to help clients make informed financial decisions. Danny aims to positively impact his clients and the people important to them through his work.

Jill Spatola is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 25 years of industry experience to her clients. She specializes in managing both personal and corporate retirement plans, income planning, life insurance, estate planning, and small business strategies. Jill takes a holistic approach to wealth management, coordinating closely with clients' attorneys, CPAs, and Medicare specialists to ensure comprehensive and aligned financial plans. She serves a diverse clientele, including corporate executives, real estate professionals, and families, providing consistent performance and personalized guidance through regular reviews of each client's progress toward their financial goals. Jill earned her bachelor's degree from the University of Massachusetts in 1996 and completed additional coursework at Bryant University. She holds several professional designations including Chartered Retirement Planning Counselor™ (CRPC), Chartered Financial Consultant® (ChFC), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her experience encompasses personal retirement planning, legacy planning, tax minimization, portfolio management, and women and wealth initiatives. Beyond her professional commitments, Jill actively participates in community organizations. She coaches for Girls on the Run, serves as a board member for Animal Welfare of Charlotte County, and is involved with the Women United of Charlotte County and the Punta Gorda and Charlotte County Chambers of Commerce. Previously, she served on the Board of Directors for School on Wheels of Massachusetts and chaired its Holiday Bag Drive. Jill’s community involvement reflects her ongoing dedication to service alongside her financial advisory role.