Rich Mccormack

I help pre-retirees and early retirees who need assistance making their money last in order to secure the retirement lifestyle they envision. By using a combination of comprehensive financial planning and investment management services I help my clients think through difficult financial tradeoffs and come up with solutions that provide peace of mind. If you are looking for someone you can trust to explain complicated financial issues in a clear way and want to delegate your investment program to a financial advisor, you’ve come to the right place. ★ WHAT MAKES ME DIFFERENT I was previously an art director at Money Magazine and Mutual Funds Magazine where I worked for nearly 12 years helping readers better understand personal finance topics. I am adept at making complex financial issues easy to understand, love solving problems, and skilled at keeping people on task to accomplish their goals. As a career changer and father of two teenage boys, I know what it takes to care for a family while simultaneously working toward achieving personal goals. I truly enjoy collaborating with my clients and helping them transition into their vision of a successful retirement. ★ SPECIALTIES • Retirement Planning • Portfolio Management • Approaching Retirement • Late-Career • Retirement Income Planning • Asset Allocation Strategies • Fund Selection • Ongoing investment monitoring • Life Transitions • Sudden Money Situations • Dealing with the loss of a spouse • Dealing with an Inheritance • Dealing with Stock Options • Help with 401(k) and IRAs • College Education Planning • Cash Flow Planning • Coordination with other professionals

A thoughtful guide and partner for your financial life. I believe your finances should support a life filled with meaningful experiences—and the most memorable moments are those we get to share. My work focuses on helping clients bring clarity, intention, and confidence to their financial decisions so they can live in alignment with what matters most. As your advisor, I’m here to help you organize your financial life, understand your options, and navigate each stage with clarity. When questions arise, you don’t have to sort through them alone—our partnership is built around ongoing communication, education, and support. Specialties * Small business owners, Company employees, Real Estate owners, Public Service & government workers. * Pensions, 401(k) plans & stock options, 403(b), 457 plans, Real Estate Investments, Small Business Company Retirement Plans. * Highly motivated savers that are in the Accumulation Phase of building their nest egg and/or family wealth.

Yenny Cesse Perdomo is a Financial Advisor at Merrill Lynch Wealth Management, specializing in personal retirement planning, women and wealth, and retirement income strategies. She focuses on helping individuals and families build and protect their wealth through clear communication and tailored advice. Yenny guides clients to make confident and informed financial decisions that align with their goals by simplifying complex financial concepts and empowering them to take control of their financial future. Yenny holds a Bachelor's Degree from Florida International University and maintains professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Fluent in both English and Spanish, she brings expertise in financial planning and investment needs to her role. Outside of her professional work, Yenny’s personal interests include adventure sports, biking, dancing, ice hockey, reading, traveling, watching movies, and writing.

Alexander Recchia is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2013, he has worked directly with individuals and businesses, helping them achieve their financial goals through tailored strategies. His client base includes private business owners, corporate executives, physicians, CPAs, attorneys, retired couples, widows, and multiple generations of families across the nation. Alexander’s expertise encompasses education planning, employee benefits, family wealth management, legacy planning, retirement income, small business strategies, and portfolio management. He focuses on guiding clients through pivotal life transitions such as retiring, selling a business, divorce, and wealth transfer, emphasizing the importance of estate planning alongside diversified investments. His approach centers on developing personalized plans that align with each client’s unique perspectives and priorities. He holds a Bachelor’s Degree from Salve Regina University and the Personal Investment Advisor (PIA) designation. Outside of his professional work, Alexander is involved in community organizations including Habitat for Humanity, Healing the Children, and the Knights of Columbus. His personal interests include cooking, fishing, golfing, hiking, photography, and spending time with his family.

John O'Neill is a Wealth Management Advisor with Merrill Lynch Wealth Management. He serves as managing partner and co-leader of the 712 Group, overseeing the strategic vision and direction of the team. John is responsible for creating and managing the team’s planning and review process to ensure consistent implementation of their financial philosophies and strategies. John works with affluent families, corporate executives, business owners, philanthropic organizations, and pension plans. He coordinates the multiple aspects of clients' financial lives, collaborating closely with CPAs and tax/estate attorneys to develop synchronized, evolving wealth management plans. His expertise includes family wealth management, legacy planning, tax minimization, portfolio management, and services tailored for endowments, foundations, and defined benefit plans. Additionally, John is qualified within Merrill Lynch as a Portfolio Manager, authorized to build and manage personalized investment strategies. John holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, the Certified Private Wealth Advisor® (CPWA®) designation, and the Chartered Retirement Planning Counselor™ (CRPC™) credential. He earned a bachelor’s degree from Providence College. John is bilingual, speaking English and Spanish. He lives in Bedford, New York, and his personal interests include basketball, chess, golfing, reading, running, spending time with family, and traveling.

Richard Cossa is an Investment Consultant currently working at Fidelity Investments since 2023. He has accumulated over 17 years of experience in the financial industry, having held various financial advisory roles at firms such as Mahoney Asset Management, Lincoln Financial, Chase Investments, Oppenheimer & Co., Wells Fargo Advisors, and Morgan Stanley. Throughout his career, Richard has developed expertise in navigating different market cycles with a focus on asset allocation and delivering customer service aimed at guiding clients through their retirement planning. His professional journey reflects a consistent commitment to supporting clients in achieving their financial goals. Outside of his professional work, Richard has interests in baseball, fitness, football, golf, and yoga.