Lefranc Joseph is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and implement portfolio strategies designed to help them achieve those objectives. Lefranc offers ongoing advice and adapts client plans as their situations evolve, focusing on areas including college education planning, legacy planning, managing new wealth, personal retirement planning, portfolio management services, retirement income, and sports & entertainment. He holds a Bachelor's Degree from Fairleigh Dickinson University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Lefranc is fluent in both French and English and is affiliated with Merrill Lynch Wealth Management. Beyond his professional work, he is involved in his local church and has personal interests in basketball, music, running, and soccer.

Richard Constantine is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in areas such as college education planning, family wealth management strategies, services for defined benefit plans, investment consulting for defined contribution plans, sports and entertainment, tax minimization, and retirement income. Richard holds a Bachelor's Degree from Western Kentucky University and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He focuses on helping clients understand the complexities of the financial world and creating personalized plans to achieve their unique financial goals. Outside of his professional work, Richard participates in community organizations such as Burritt on the Mountain and Miracle League. His personal interests include golfing, pickleball, spending time with his family, and traveling.