James Krakowski is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 20 years of experience in financial services, focusing on a comprehensive approach to managing wealth that begins with understanding each client's goals and values. James specializes in areas such as family wealth management strategies, legacy planning, liquidity management, managing new wealth, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Before his current role, James served as a Vice President and Wealth Management Private Banker at Wells Fargo Private Bank. He holds a Bachelor's Degree from Montclair State University and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). James emphasizes collaboration with clients to define what matters most as they prepare for various life stages, addressing key life priorities such as family, finances, health, home, leisure, work, and giving. Outside of his professional work, James enjoys baseball, basketball, chess, football, golfing, running, and spending time with his family. He resides in Brielle, New Jersey with his wife and two children.

Patrick Preston is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has developed expertise in creating personalized financial strategies that address the complex needs of individuals, families, and businesses. Patrick emphasizes a client-centered approach, aligning his services with the principle that "the client's needs come first." He collaborates with a team of specialists and coordinates with clients' attorneys and accountants to integrate investment management with tax minimization, wealth transfer, and estate planning. Patrick joined Merrill Lynch Wealth Management in 1991 after earning his bachelor's degree from the University of North Carolina at Greensboro, where he was a student-athlete on the men’s soccer team. He was promoted to Resident Director of the Freehold office in recognition of his client commitment and service delivery. Patrick holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Freehold with his three children, Patrick actively contributes to the community through board memberships and volunteer work with organizations such as the YMCA of Western Monmouth, Graeme Preston Foundation for Life, Freehold Soccer League, and the Lake Topanemus Park Commission. His personal interests include gardening, golfing, traveling, and spending time with his family.

Russ McNamara is the Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2016. He brings a comprehensive approach to his work, focusing on understanding his clients' objectives to help them develop personalized financial plans. Prior to his current role, he was a Vice President and Financial Consultant at Fidelity Investments from 2009 to 2016. His professional experience includes roles as Vice President and Branch Manager as well as Investment Specialist at Charles Schwab & Co. between 1995 and 2004, and Financial Consultant at Merrill Lynch from 1991 to 1995. He holds a California Insurance License. Outside of his professional duties, Russ enjoys family activities, fitness, golf, hiking, movies, and traveling.

Joann Polis is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has worked since 2001. She collaborates closely with colleagues to develop and implement investment strategies for clients, focusing on personalized wealth planning to help individuals achieve their financial goals. Joann’s expertise areas include college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management services, women and wealth, and retirement income. She holds a Personal Investment Advisor (PIA) designation and earned a Master’s Degree from Monmouth University and a Bachelor’s Degree from Gettysburg College. Residing in Middletown, New Jersey, Joann balances her professional career with family life alongside her husband and three daughters. She is committed to community involvement and volunteers her time whenever possible. In her leisure time, she enjoys boating, dancing, practicing yoga, and spending time with family and friends.

Fred Peters is a Senior Financial Advisor with Merrill Lynch Wealth Management. He applies Merrill’s Goals-Based Wealth Management process to help clients pursue meaningful financial objectives by prioritizing clear decision-making and transparency. Fred serves a diverse clientele including business owners, entrepreneurs, retirees, senior citizens, and families with special needs members, developing tailored strategies for short- and long-term financial goals. With over sixteen years of management experience prior to joining Merrill Lynch in 2016, Fred leverages his expertise to address complex financial challenges such as special needs planning, retirement income, philanthropic planning, and personal retirement planning. He holds a Bachelor’s Degree from Richard Stockton College of New Jersey and is pursuing an MBA at Georgian Court University. Fred’s professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fred is active in his community, serving on boards for the Brick Township Chamber of Commerce, Greater Toms River Chamber of Commerce, and Ocean County Family Service Organization, as well as participating with the Brick Township Morning Rotary Club. Outside of work, he enjoys chess, football, music, racquetball, running marathons, spending time with his family, and watching movies. As a military parent, he supports armed forces deployments with personal dedication.

Jonathan Panigel is a Financial Advisor with Merrill Lynch Wealth Management, specializing in managing new wealth, personal retirement planning, and portfolio management services. He has a longstanding passion for investing and wealth planning that dates back to high school and is dedicated to helping clients achieve their financial goals. Jonathan holds the Personal Investment Advisor (PIA) designation and has completed an Accredited Certificate Program from Yeshiva Mayen Hatalmud. Since joining Merrill Lynch, he has developed close relationships with his clients, focusing on guiding them to live their best possible financial lives. Outside of his professional work, Jonathan enjoys a variety of personal interests including baseball, basketball, football, ice hockey, music, running, softball, traveling, and spending time with his family.

Zachariah Ivins is a Financial Advisor with Merrill Lynch Wealth Management, bringing nearly 20 years of experience in financial services. He operates a client-first practice structured similarly to a private family office, providing services such as investment management, estate and trust coordination, business succession strategies, and comprehensive financial guidance tailored to clients’ lives. Serving clients primarily in Monmouth County, NJ, New York City, and across much of the United States and its territories, Zachariah focuses on areas including family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, special needs planning, tax minimization, and retirement income. Holding the designation of Personal Investment Advisor (PIA), Zachariah is committed to understanding what matters most to his clients by asking thoughtful questions and carefully listening. He aims to design and implement customized wealth management approaches that help clients and their families pursue personal financial goals while managing investment risk. Zachariah’s educational background includes a high school diploma from Shore Regional High School. Outside of his professional work, Zachariah enjoys antiquing, boating, cooking, fishing, music, spending time with family, tennis, and traveling.

Joe Burgoyne is Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2023. In this role, he acts as an advocate for clients to ensure that financial plans are customized to address their families' unique needs. Joe collaborates with clients to build financial plans, identify strategies aligned with those plans, and maintain open communication. Joe has extensive experience in the financial services industry, having worked at Fidelity Investments since 2010 in various roles including Financial Consultant, Investment Consultant, and Relationship Manager. Prior to joining Fidelity, he worked as a Financial Advisor at Ameriprise Financial from 2006 to 2008 and as a Client Service Associate at Morgan Stanley from 2008 to 2011. Outside of his professional work, Joe engages in family activities, fitness, social events with friends, parenthood, snowboarding, and surfing.

Anthony Caldarise is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in wealth management strategies tailored to clients at various stages of life, including retirement planning, legacy planning, managing new wealth, and small business strategies. Anthony works closely with clients to understand their individual financial goals and utilizes the resources of Merrill and Bank of America to provide comprehensive financial solutions. With a disciplined approach, Anthony draws on his professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) to guide clients through complex financial decisions. He holds a High School Diploma from Monsignor Donovan High School and an Associate's Degree from Ocean County College, where he graduated with honors in business focusing on finance. A lifelong resident of Ocean County, New Jersey, Anthony is actively involved in his community. He participates in volunteering and fundraising efforts for organizations such as Hope Sheds Light, Rotary Club of Point Pleasant Beach, and Sons of the American Legion. Outside of his professional work, he enjoys dancing, golfing, and spending time with his family.