John Foligno has 30+ years of professional work and coaching/mentoring experience, which includes over 10 years of running his own business. Through empathy, active listening and thoughtful counsel, he lives his personal mission by inspiring people to overcome the roadblocks that prevent them from accomplishing their goals, and helps them to find enlightenment, fulfillment, and financial well-being. He specializes in supporting high-net-worth households, although he enjoys working with all manner of people. As a business owner, John learned the hard way how much he would have benefited from a financial steward who understands the myriad challenges of running a business. That experience, coupled with his passion for financial planning, enables him to relieve business owners of the day-to-day concerns of reaching their financial goals, which frees them to focus on their growth and ultimate exit strategy. As a graduate of Syracuse University’s Whitman School of Management, John studied finance and marketing. John is a member of NAPFA, whose members completed a broad-based advanced education program in financial planning and are trained to provide coordinated advice on issues surrounding a client’s entire financial picture. When he is not fulfilling his fiduciary obligation of putting his client’s interest first, John is sharing time with his wife, Michelle, his daughter, Ruby, and their golden retriever, Honey. He enjoys a healthy lifestyle of strength conditioning and hiking as well as watching sports and reading. John is a first-degree black belt in Goju karate that guides his disciplined approach. He volunteers his time for the honor of helping people with limited financial education to make more informed decisions and has been featured in financial planning media journals to share his insights.

Welcome! I'm Cynthia Meyer, CFA®, CFP®, ChFC®, a real estate investor, financial planner, and real estate business coach. I founded Real Life Planning to mentor a new generation of real estate investors. We help real estate investors take practical steps to build financial freedom, create multiple sources of income, and make working for someone else optional. At Real Life Planning, we speak both real estate and financial planning. Whether you're adding to your properties, contemplating a 1031 exchange, listing your place on Airbnb, getting started as a landlord, or looking to buy a home overseas, we'll help you create a realistic plan for your financial life goals. As you build your investment property portfolio, we will help you plan to optimize taxes and diversify risks, manage total cash flow, and prepare for new opportunities. Our clients are - Rental property investors looking for a comprehensive financial plan - Professionals considering a real estate side hustle to create an additional source of income - People with inherited rental property - Homeowners maximizing opportunities for income - Americans looking to buy property overseas - Expats buying homes in the U.S. We're a Fee-Only fiduciary firm, so we work for you, not for Wall Street. That's why our fees are inclusive and transparent. My husband Steve and I have three kids and live in central NJ, in the NYC metro area. We are both first-generation real estate investors with small multifamily properties, single-family homes, and a small apartment complex. We invest out of state and use a property manager. A financial advisor since 1997, I founded Real Life Planning and co-founded the Real Estate Financial Coach Course, Real Estate For Generations, and the You Unlimited coaching program. Real Life Planning works with clients virtually from anywhere and in-person in the NYC area. Interested in the real (estate) life? Book a discovery call today.

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.

Empowering People Through Financial Planning At its core, financial planning is about helping people use their resources to get the most from their time. Our financial planning process is designed to help you clarify what's most important and ensure your money is best aligned to support that vision. Knowing our goal is the compass that guides your financial path, but no direction is favorable until we know where we’re going. We operate a virtual office, providing a wealth management experience that emphasizes convenience, effectiveness, and flexibility for our clients. We'll help you feel more connected with your money and confident in your financial position. Let True North help guide you on life’s journey.

John Guyet is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads an advisory team focused on helping high net worth families and individuals manage their wealth and achieve their long-term financial objectives. John brings over 25 years of experience in the financial services industry, beginning his career in 1997 with asset management firms including Lord Abbett, Nuveen Investments, and Lazard Asset Management. He joined Merrill in 2021, transitioning to wealth management. His expertise encompasses a wide range of client focus areas such as college education planning, family wealth management strategies, legacy planning, philanthropic planning, retirement income, and services tailored for endowments, foundations, and non-profits. John holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Stockton University. John is engaged in community service and volunteers with the Our House Foundation. Outside of work, he enjoys fishing, golfing, hiking, reading, skiing, traveling, and spending time with his family. His approach involves working one-on-one with clients to develop personalized financial strategies aligned with their long-term goals.

Thomas Tishman is a Wealth Management Advisor and First Vice President at Merrill Lynch Wealth Management. In October 2024, he co-founded the Tishman-Dunst Wealth Management Group with Bryan Dunst. Tom supports clients by developing personalized financial approaches, focusing on family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, tax minimization, and retirement income. He incorporates alternative investments alongside traditional stock and bond portfolios to help clients pursue their financial goals. Tom has more than 40 years of experience on Wall Street, including roles as a financial forecaster, government bond trader, and financial advisor. He joined Merrill Lynch Wealth Management in May 2005 and has earned several professional designations, such as Chartered Retirement Planning Counselor™ (CRPC) and Personal Investment Advisor (PIA). He holds FINRA securities registrations, CFTC commodities licenses, and life and health insurance licenses. He attained the Wealth Management Advisor functional title in 2012, was promoted to Vice President in 2013, earned his Portfolio Manager designation in 2017, and became First Vice President in 2023. His background includes an MBA in Finance and a Bachelor of Arts in Economics, Computer Science, and Mathematics from New York University’s Stern School of Business. Beyond his professional career, Tom is bilingual in English and Spanish. He has contributed to the community by serving as Head Fencing Coach at Mendham High School from 2007 to 2011 and as Volunteer Chairman of USA Fencing’s New Jersey Division from 2010 to 2016. He resides in Mendham with his wife, a residential real estate broker, and has three children pursuing careers in fields including robotics sales, urban planning, and metal sculpture. Tom's personal interests include genealogy, soccer, and yoga.

Zamira Sanchez is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized wealth management strategies tailored to help clients pursue their long-term financial goals. She works closely with families, professionals, and small business owners, collaborating with other trusted professionals such as attorneys and accountants to provide a comprehensive view of each client's financial situation. Her approach emphasizes customized solutions that go beyond portfolio management to include wealth transfer and estate planning. With over 15 years of experience in the finance industry, Zamira holds a bachelor's degree in Finance from Fairleigh Dickinson University. She maintains a range of securities registrations through FINRA, including Series 7, 9, 10, 63, and 65, as well as multiple insurance licenses such as Life, Accident and Health, Variable Life, Variable Annuity, Property and Casualty, and certification in Long Term Care. Her background also includes experience in human resources and accounting, and she is well-versed in Medicare, assisting clients in navigating related complexities. Zamira holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of her professional career, Zamira lives in Randolph, NJ with her husband David and their two children. She spends her free time gardening, running for charitable causes, volunteering in her children's activities, hiking, skiing, enjoying music, and traveling. Fluent in both English and Spanish, Zamira brings a broad perspective to her client relationships.

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.

Michael Barna is the Senior Resident Director at Merrill's Chester, New Jersey office, where he serves in a dual capacity as both a Wealth Management Advisor and Resident Director. In his leadership role, he supports, coaches, and mentors the Financial Advisors and associates in the office. As a Wealth Management Advisor, Michael works with a select group of business owners, senior executives, and multi-generational families, providing customized financial strategies and ongoing advice tailored to their specific needs. Michael’s expertise spans a broad range of client focus areas, including college education planning, corporate executive services, divorce transition planning, equity compensation services, family wealth management strategies, legacy and philanthropic planning, as well as services for endowments, foundations, and non-profits. He emphasizes a commitment to understanding his clients deeply and prioritizes both asset preservation and growth. Michael holds multiple professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree from Seton Hall University. In addition to his professional responsibilities, Michael is actively involved in his community, serving as an Ambassador to the Princeton Mercer Regional Chamber of Commerce and as a Board Trustee for the Somerset County Business Partnership. His personal interests include baseball, football, golfing, reading, swimming, traveling, watching movies, writing, and spending time with his family.

Joseph Nelligan is a Wealth Management Advisor with Merrill Lynch Wealth Management. He provides comprehensive wealth management services by listening closely to clients’ needs and developing strategies aligned with their goals. Drawing on Merrill's investment insights and Bank of America's banking capabilities, he addresses multiple facets of clients' financial lives. With decades of experience in wealth management, investing, accounting, and business, Joseph focuses on areas including college education planning, retirement income, liquidity management, socially responsible investing, tax minimization, and portfolio management. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Joseph earned his bachelor's degree from Drexel University. Beyond his advisory role, Joseph participates in community service through volunteer work with the Delaware Valley Alzheimer's Association. His personal interests include golfing, music, spending time with family, and traveling. He describes himself as a committed problem solver dedicated to making a meaningful difference in his clients' lives.