William Liebowitz

James Van Nice is a Benefits & Planning Consultant specializing in Executive Services. In this role, he partners with executives to help them understand their employer benefits and develop plans to work towards their financial goals. James has professional experience as an Investment Solutions Representative III at Fidelity Investments from 2023 to 2025 and as an Investment Solutions Representative II at Fidelity Investments from 2022 to 2023. Prior to that, he worked at Merrill Lynch as an Investment Solutions Representative I from 2021 to 2022 and as a Financial Advisor from 2018 to 2019. Outside of his professional work, James engages in fishing, fitness, golf, running, and volunteering.

Robert Testwuide is a Wealth Management Advisor at Merrill Lynch Wealth Management and leads The Testwuide Team, providing financial strategy and investment portfolio guidance for high-net-worth families, small businesses, and select public policy organizations. With over 30 years of experience in the financial industry, he focuses on delivering customized qualitative and quantitative financial analyses tailored to clients’ specific goals. Robert collaborates with clients in areas including financial risk management, income management, asset allocation, and tax minimization strategies. Since joining Merrill Lynch Wealth Management in 1994, Robert has cultivated extensive expertise in financial planning and portfolio management. He holds a bachelor's degree in finance from James Madison University, earned in 1988, and is a CERTIFIED FINANCIAL PLANNER® certificant recognized by the Certified Financial Planner Board of Standards, Inc. His active participation in professional associations supports the team’s efforts to stay current with evolving financial issues. Outside of his work, Robert enjoys boating, football, golfing, pickleball, skiing, and traveling. He resides in Arlington, Virginia.

Stacy Nelson is a financial advisor with Merrill Lynch Wealth Management, focused on helping clients manage risk, generate income, and develop personalized wealth management strategies. Since joining Merrill Lynch Wealth Management in 2008, she has worked with individuals and families to create flexible financial plans that adapt to changing goals and market conditions. Stacy’s client focus areas include college education planning, family wealth management strategies, liquidity management, personal retirement planning, small business strategies, women and wealth, and retirement income. She holds a Bachelor of Science degree in Business Administration with a concentration in Marketing from the University of North Florida. Stacy has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in English and Spanish, she emphasizes transparent communication and a one-on-one approach in helping clients make well-informed financial decisions. Stacy is committed to community involvement and volunteers with local organizations. She lives in Jupiter, Florida, with her husband Greg and their two sons. Outside of work, she enjoys baseball, dancing, soccer, softball, and spending time with her family.

Arlette Cataldo is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has over three decades of experience in wealth management, including more than 20 years managing municipal bond portfolios and serving as a financial advisor at Smith Barney prior to joining Merrill Lynch in 2007. Arlette focuses on goals-based wealth management, assisting clients with intergenerational wealth strategies that incorporate risk-managed investments, liability management, tax minimization, wealth transfer, philanthropy, and business succession. She works with both individuals and corporations, tailoring financial strategies for families and boards of directors, and placing emphasis on educating clients and their families to support confident financial decision-making. Arlette holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC™), Chartered Retirement Plans Specialist™ (CRPS™), and Certified Plan Fiduciary Advisor® (CPFA®). She earned a Bachelor’s Degree from Berklee College of Music and a Master of Science Degree in Personal Financial Planning from the College for Financial Planning. Throughout her career, Arlette has been active in professional organizations, serving on the board and as President and Chairman of the International Association of Financial Planners (IAFP), and participating in the National Association of Plan Advisors (NAPA). Outside of her professional work, Arlette enjoys cooking, entertaining, traveling, and engaging in hobbies such as biking, boating, genealogy, ice hockey, interior decorating, and music. She frequently hosts gatherings that include her family and local community groups. Fluent in English and French, Arlette and her husband, Bob, also sponsor a wine-tasting group, reflecting their shared interests beyond financial advising.

Amber Girtman Jones is a Financial Consultant currently working at Fidelity Investments since 2024. She has over 20 years of experience partnering with individuals and families to help them identify, navigate, and pursue their financial goals. Throughout her career, Amber has worked as a Financial Advisor at Corebridge Financial from 2022 to 2024 and at VALIC Financial Advisors, Inc from 2005 to 2022. Amber aims to provide financial guidance in an open, educational, and informative manner, supporting clients on their financial journeys and making personal finance easier to understand. Outside of her professional work, she engages in various personal interests including family activities, social events with friends, parenthood, theater, traveling, and writing.