Thomas Vetter is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and the founder of Vetter Planning. He chose to establish Vetter Planning because of his desire to help individuals and small businesses develop financial plans that are designed to achieve their goals. It was founded upon principles that place the utmost value on its clients’ financial goals and objectives. It is in the business of building long-term, solid relationships that are based upon trust and quality client service. Since 2002, Tom has been providing financial planning and investment advice. He graduated from Siena College in Loudonville, NY with a Bachelor of Science degree in Finance. Prior to founding Vetter Planning, he was a Senior Financial Analyst for Guardian Life and an Investment Analyst for NYC Housing Development Corporation. Tom resides in Randolph, New Jersey with his wife, Jennifer, son Gavin, and daughters, Abigail and Claire. His interests include volunteering, coaching youth sports, golf, and mountain biking.

Thomas Rocco is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 2010, bringing a comprehensive understanding of the financial challenges and opportunities faced by corporate executives and private business owners. Thomas focuses on providing personalized wealth management strategies, emphasizing transparent communication and a thorough understanding of his clients’ aspirations and concerns. His approach involves translating complex financial concepts into clear, accessible advice to help clients pursue their goals, whether achieving near-term milestones, sustaining retirement lifestyles, or planning for future generations. Thomas holds a CERTIFIED FINANCIAL PLANNER® designation, along with credentials such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned master’s degrees from the University of California Berkeley and Columbia University, as well as a bachelor’s degree from the University of Tennessee System. His client focus encompasses areas including divorce transition planning, executive compensation, equity compensation services, retirement income, socially responsible investing, and small business strategies. In addition to his professional work, Thomas contributes to his community by serving as a financial literacy instructor for NORWESCAP. Outside of his advisory practice, he enjoys fishing, football, music, reading, spending time with his family, surfing, tennis, and yoga.

Douglas Sheroff is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2016, he has applied his expertise to help clients understand their current financial situation, define their future goals, and develop efficient strategies to achieve those objectives. His approach emphasizes personalized financial planning, designed around the unique needs, aspirations, and priorities of each client and their family. Mr. Sheroff is a Certified Financial Planner (CFP®) professional and a qualified Senior Portfolio Advisor. He holds Series 7 and Series 66 FINRA registrations, as well as all applicable insurance licenses for the states in which he conducts business. He earned a Bachelor of Science degree in Entrepreneurship and Small Business Management from Quinnipiac University School of Business. His areas of focus include family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, sports and entertainment, tax minimization, and retirement income. Active in his community, Douglas participates in the local Chamber of Commerce and is a member of Musconetcong Lodge #42 F&AM in Mt. Olive. He supports the Intrepid Fallen Heroes Fund, which aids active and retired Armed Forces members and their families returning from combat with traumatic brain injuries. Outside of work, he enjoys adventure sports, boating, cooking, golfing, skiing, and traveling.

Carolyn Ottenbreit is a Wealth Management Advisor with Merrill’s Sparta, New Jersey office. She is a CERTIFIED FINANCIAL PLANNER® professional who works with a select group of affluent clients, including current and retired corporate executives and professionals. Carolyn helps clients manage various aspects of their finances and investments, providing services such as retirement planning, estate planning, tax minimization strategies, and portfolio management. She collaborates with a team of Merrill and Bank of America specialists, as well as clients’ tax and legal advisors, to deliver comprehensive financial solutions. Carolyn graduated from Princeton University with a bachelor's degree in Philosophy and holds a Master of Business Administration degree with a concentration in Finance from the Wharton School at the University of Pennsylvania. She joined Merrill in 1986, transitioning from corporate finance to the Private Client Group in 1996. Her expertise focuses on family wealth management, philanthropic planning, retirement income, and supporting women and wealth. Outside of her professional work, Carolyn has been involved in community organizations, serving as past chairperson of The SCARC Foundation, Inc. in Augusta, New Jersey, and as past president of the Newton Rotary Club in Newton, New Jersey. Her personal interests include cooking, reading, and traveling.

Erika Zuluaga serves as a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, she provides advisory and wealth management services to a diverse client base that includes affluent families, professionals, business owners, and corporate executives and employees. Her experience encompasses a wide range of financial planning areas, including retirement income strategies, portfolio management, and services tailored for defined benefit plans, endowments, foundations, and non-profits. Erika's expertise supports clients through various stages of their financial journeys, including divorce transition planning. Erika's professional background is complemented by her education and credentials. She holds a Master's degree from Saint Joseph's University and a Bachelor's degree from LaSalle University. Additionally, she has earned multiple professional designations, such as Certified 401(k) Professional, Chartered Retirement Planning Counselor™, and Personal Investment Advisor. Erika is also involved in community activities, supporting organizations including the Christopher Doto Memorial Scholarship Foundation and participating with the Delaware Valley Youth Athletic Association and Saint Pio Catholic School.