Joshua Yoskosky

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.

Karlena Renan is the Senior Resident Director at Merrill Lynch Wealth Management, where she oversees a team of financial advisors. She brings extensive experience in providing financial strategies and guidance to successful individuals and business owners. Karlena follows a disciplined wealth management process that incorporates time-tested investment principles and adapts to evolving economic conditions. Her approach emphasizes listening closely to clients in order to develop customized strategies that align with their personal and financial goals. Karlena’s expertise includes areas such as college education planning, family wealth management, legacy planning, retirement income strategies, tax minimization, and portfolio management services. She is dedicated to delivering premier service and leveraging Merrill’s extensive resources to help clients navigate each stage of their financial lives. In addition to her advisory role, she has been serving as the Resident Director of Merrill's Plantation, Florida office since May 2013, where she manages the activities of 16 financial advisors. Karlena holds a Bachelor's Degree from Nova Southeastern University and maintains professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is based in East Fort Lauderdale and enjoys spending time with her family, playing golf, traveling, and engaging in various sports and cultural activities.

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.

Bernard Mason is a Wealth Management Advisor with Merrill Lynch Wealth Management in Fredericksburg, Virginia. He works with individuals and families to develop wealth planning strategies that align with their financial goals, focusing on areas such as college education planning, legacy planning, retirement income, and socially responsible investing. Bernard holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification and the Chartered Retirement Planning Counselor™ (CRPC) designation. He earned a Bachelor of Science degree from Virginia Polytechnic Institute and State University. His approach emphasizes a client-focused process that includes determining financial objectives, developing tailored strategies, implementing appropriate investment vehicles, and regularly reviewing progress to adjust plans as needed. In addition to his professional work, Bernard is involved in community organizations including the American Red Cross, Kiwanis, and the Virginia Tech Alumni Association.

Jim Riutta is a Financial Consultant currently working at Fidelity since 2022. He assists clients and their families with holistic financial planning to help them envision and achieve their customized goals and wishes. His approach involves a multi-step process that emphasizes accountability as a key component of success. Jim also discusses estate planning considerations as well as income and retirement planning in a tax-efficient manner. Jim has held several positions in the financial industry, including Premier Banker at Wells Fargo from 2021 to 2022, Relationship Manager at Citi Bank from 2017 to 2021, Regional Banking Private Banking at Wells Fargo from 2012 to 2017, and Registered Investment Advisor at First Command from 2008 to 2012. Outside of his professional work, Jim's personal interests include beach activities, cars, family activities, fitness, motorcycles, and outdoor adventures.

Nicole Hawkins Normand is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Fredericksburg, Virginia. With over 24 years of experience in financial services, Nicole and her team specialize in comprehensive personal wealth analysis, retirement planning, and wealth management for affluent individuals and businesses. Their approach includes thoughtful, tax-sensitive planning and investment guidance aimed at helping clients achieve their financial goals. Nicole holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She earned a Bachelor of Arts degree in Geography with a minor in Economics from the University of Mary Washington in 1992. Nicole has actively contributed to her community through roles such as past president of Thrive, the healing center, and board member of the Gerry Bertier #42 Foundation. She is involved with the Fredericksburg Department of Social Services and supports several local organizations. Outside of her professional work, Nicole enjoys baseball, softball, traveling, hiking, camping, and spending time with her family. She often attends games of the Fredericksburg Nationals and the Washington Nationals and is passionate about promoting financial literacy and assisting veterans with their financial planning needs.