Kieran Kreider is a Financial Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth management solutions. He works closely with clients to understand their personal priorities and financial goals, creating customized financial roadmaps. His focus spans areas such as college education planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and retirement income strategies. Kieran holds a bachelor's degree in economics from Hofstra University and has earned the Chartered Retirement Planning Counselor™ (CRPC™) designation. He is registered with FINRA through Series 7 and 66 licenses and holds a Life, Accident & Health insurance license in Pennsylvania. Kieran’s approach emphasizes a disciplined and personalized financial plan supported by resources from Merrill Lynch and Bank of America, including institutional research, trust and fiduciary services, and banking solutions. Outside of his professional role, Kieran lives in South Jersey with his wife Jennifer and their dog Bailee. He maintains an active lifestyle and enjoys boating, fishing, golfing, pickleball, and surfing, often spending time at the Jersey Shore. His balanced approach fosters strong relationships and reflects a commitment to personal development and genuine empathy in client interactions.

Patrick Doherty is Vice President and Financial Consultant at Fidelity Investments, where he has served since 2016. In this role, he collaborates with clients to develop customized wealth plans aimed at achieving their financial goals. He provides ongoing communication and support to adjust financial strategies as clients' needs evolve. Patrick has been with Fidelity Investments since 2008, progressing through various positions including Financial Consultant, Account Executive, and Investor Center Financial Representative. His experience spans client service, investment representation, and financial consulting. Outside of his professional responsibilities, Patrick has interests in baseball and soccer.

Grace Lutfy is a Financial Advisor with Merrill Lynch Wealth Management. She holds the professional designation of Personal Investment Advisor (PIA). Grace earned her Bachelor's Degree from the Pennsylvania State University System. Her role involves providing investment advice and wealth management services to clients.

Gregory Lutfy is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry for 29 years and joined Merrill Lynch Wealth Management in 2013. Greg focuses on managing new wealth, portfolio management services, sports and entertainment, and retirement income, providing personalized wealth management strategies tailored to client goals and timelines. His approach emphasizes risk analysis combined with customized financial planning to address the core needs of wealthy individuals and families. Greg holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma from the Pennsylvania State System of Higher Education. He resides in Milford, PA with his wife and three children. In addition to his professional responsibilities, Greg participates in community volunteer activities. His personal interests include fishing, golfing, hiking, and scuba diving.

Kevin Regan is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2011 and joined the team in 2013. Kevin works with clients to assist with investment and administrative needs, helping them pursue their retirement goals and build strong client relationships. Kevin's professional background includes experience in biodefense research before transitioning to financial services in 2009. His expertise encompasses areas such as college education planning, corporate retirement plan services, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, socially responsible investing, and retirement income. He holds the Personal Investment Advisor (PIA) designation. Kevin graduated from the State University of New York at Albany with a bachelor's degree in computer science and molecular biology, with a minor in finance. He is currently completing an MBA with a concentration in finance. Outside of his professional work, Kevin has interests in adventure sports, baseball, boxing, football, golfing, skydiving, and spending time with his family.

Matthew Perreault is an Investment Consultant at Fidelity Investments in the Paramus, NJ Investor Center. In this role, he connects with local clients to provide guidance and education about their investments and how those investments integrate into their overall financial picture. He employs an approach centered on understanding each client's full situation to help build customized financial plans aligned with their goals. Matthew has held various positions at Fidelity Investments, progressing from Customer Relationship Advocate in 2021-2022 to his current role as Investment Consultant starting in 2025. His previous roles include Help Desk, Financial Representative, Relationship Manager, and Planning Consultant, reflecting a breadth of experience within the organization. Outside of his professional responsibilities, Matthew's personal interests include hiking, movies, music, outdoor adventures, pets, and soccer.

James Bannon is a Financial Solutions Advisor (FSA) at Merrill Lynch Wealth Management. In his role, he works one-on-one with clients to define their financial goals and to develop portfolio strategies designed to achieve them. He provides ongoing advice and adjusts portfolio strategies as clients' situations evolve. James is passionate about helping clients manage their money amid various priorities such as purchasing a home, saving for a child's college education, caring for elderly parents, and preparing for healthcare needs. His expertise lies in navigating these competing demands to create personalized financial plans. He holds a Bachelor's Degree and a Master's Degree from the University of Scranton and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). James is affiliated with Bank of America and participates in community activities through the Rotary Club.

Ryan Coakley serves as a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 17 years of experience in the financial services industry. Since joining Merrill in 2015, Ryan has developed a comprehensive, goals-based wealth management approach that prioritizes understanding clients’ unique financial situations and objectives. He supports individuals, families, and businesses by crafting personalized financial strategies that align with their risk profiles and investment styles, and incorporates Merrill’s investment insights alongside Bank of America’s banking services. Ryan holds Series 7 and 66 FINRA registrations, Life and Health Insurance Licenses with New York State, and the Certified Plan Fiduciary Advisor® (CPFA®) designation awarded by the National Association of Plan Advisors. This credential enables him to deliver Merrill’s 401(k) platform to local businesses and non-profit organizations, helping clients manage fiduciary responsibilities and improve retirement outcomes. His expertise includes investment consulting for defined contribution plans, personal retirement planning, portfolio management, and individual and corporate investment strategy. A lifelong resident of Orange County, Ryan is active in his community, serving on the boards of the Orange County Chamber of Commerce, Greater Cornwall Chamber of Commerce, and Inspire Foundation. He is a member of the Cornwall Lions Club and volunteers with organizations such as the Food Bank of the Hudson Valley and the Community Foundation of Orange. Ryan lives in Cornwall on Hudson with his wife and four children. In his free time, he enjoys cooking, gardening, and outdoor activities.