Hi, I’m Scott, the founder of Renovate Financial Planning, where we specialize in working with Real Estate Investors. I get to wake up every day excited to get to work because I combined the career I love (financial planning) with my hobby, side-gig of real estate investing! It’s hard as a Real Estate Investor to find an advisor who understands real estate or who won’t advise you against it! As a Real Estate Investor myself and an avid researcher on all things real estate and financial planning, I am here to help you reach all your financial and real estate goals. Our comprehensive financial planning includes real estate consulting, investment management, long-term tax planning, insurance and risk management, estate planning, and retirement planning. We’re here to make sure you have everything you need to live your best life now and into retirement. When I’m not meeting with clients, nerding out on real estate or researching tax strategies for financial planning, I can be found adventuring outside with my wife and three daughters or by the fireplace drinking coffee. If you would like to know more about Renovate Financial Planning and how we could help you, please reach out! We would love to have a free phone consultation with you to see if we would be a good fit!

Antoneta Berishaj is the Sales Manager for the Greater Houston Market at Merrill Lynch Wealth Management. She joined Merrill Lynch in 2000 and has held roles including Complex Administrative Manager overseeing offices in Texas and Louisiana. Her background as a registered FINRA Principal Supervisor contributes to her comprehensive understanding of risk management in wealth advisory. Her expertise encompasses family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization, among other areas. Antoneta holds FINRA registrations including Series 3, 7, 9, 10, and 66, and maintains licenses with the Texas Department of Insurance and the National Mortgage Licensing System (NMLS ID:1163440). She earned a Bachelor's degree in Applied Arts and Sciences from Lamar University. Antoneta resides in Spring, Texas with her wife and three children. She is involved with the Klein Independent School District and has personal interests that include boxing, fishing, and music.

Nishant Sharma is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' priorities to develop tailored strategies that address short-, mid-, and long-term financial goals. He provides guidance across various areas including investing, retirement planning, and preparedness for unexpected expenses. Additionally, Nishant facilitates access to Bank of America specialists for banking, credit, home financing, and small business needs. Nishant holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned both his Bachelor's degree and Master of Business Administration (MBA) from Guru Nanak Dev University. His professional approach centers on collaborating with clients to create strategies that align with their financial objectives over time.

Rocco Papandrea serves as an International Wealth Advisor with Merrill Lynch Wealth Management and is the senior member of the Merrill Lynch Wealth Management Team – PSS Associates. He has more than 30 years of experience in financial and wealth management, having joined Merrill Lynch in 1995 and founded PSS & Associates in 2004. His primary focus is on goals-based wealth management, with expertise in retirement, trust and estate planning services for individuals, corporations, small- to mid-size business owners, and non-profit organizations. He also concentrates on corporate retirement strategies, assisting plan sponsors with investments, employee education, enrollment meetings, and fiduciary responsibilities. Rocco holds multiple professional certifications, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), Chartered Retirement Plans Specialist™ (CRPS™), Certified 401(k) Professional (C(k)P®), and Certified Plan Fiduciary Advisor® (CPFA®). He earned a Bachelor's Degree in Business Management from New York University’s Stern School of Business and completed an Accredited Certificate Program at NYU. Throughout his career, he has received several recognitions, such as the Bank of America Corporation’s David Brady Community Service Award in 2009, and has been named to Forbes’ "Best-in-State Wealth Advisors" list and The Financial Times Top 400 Financial Advisors multiple times. In addition to his professional activities, Rocco actively participates in community and charitable organizations. He serves as Vice Chair and Board Member of Ascendant Neighborhood Development Corporation, which provides housing and supportive services for New York’s elderly and low- to moderate-income populations. He is also Chair of the Audit Committee and Board Member for SOMOS Community Care, a physician-led network improving healthcare for Medicaid members across New York City. Rocco is a Knight Commander of the Equestrian Order of the Holy Sepulchre and serves on the Board of Trustees for Cathedral Preparatory High School and Seminary in Queens. He was born and raised in Brooklyn and currently resides with his family in Tribeca, New York City.

Himanshu Kumar is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their unique ambitions and priorities, helping them develop personalized financial plans that address a range of goals including investing, retirement planning, and preparing for unexpected expenses. Himanshu's approach emphasizes simplicity and transparency to help clients navigate the complexities of wealth management. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Himanshu earned an Accredited Certificate from the Australian Institute of Technology and Education. Fluent in English, Punjabi, Hindi, and Urdu, he aims to build strong relationships that support clients as their financial needs evolve. Outside of his professional role, Himanshu is involved with the Fresno Cambodian Buddhist Society, Inc.

Belva Evans is a Financial Advisor with Merrill Lynch Wealth Management in Asheville, North Carolina. She joined Merrill Lynch in 2021 as a Client Associate following a 21-year career in banking management. In 2024, Belva transitioned to the role of Financial Advisor, working alongside longtime colleague Susan Sorrells. Belva’s expertise includes personal retirement planning, women and wealth, and retirement income. She utilizes her extensive experience in banking and wealth management to assist clients in achieving their financial goals, whether that involves education funding, purchasing vacation homes, addressing family needs, or securing retirement. She emphasizes building strong client relationships through attentive listening and understanding unique family circumstances, helping clients expand their financial knowledge for informed decision-making. Belva earned her bachelor’s degree from the University of North Carolina System. She resides in Waynesville, North Carolina, with her husband, Josh, their son, Tyler, daughter, Elisabeth, and their Boston terrier, Champ. Active in her community, Belva is involved with her local church and volunteers with the Tuscola Athletic Club. She has also served on the Waynesville Rotary Board as treasurer and president-elect. Outside of work, she enjoys spending time with family and friends, traveling, and attending Georgia Bulldog football games.

Brendon Timke is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients and their families to co-create and execute investment and financial plans tailored to their specific goals and needs. He utilizes a disciplined process alongside Fidelity's extensive services and resources to assist clients in working towards financial success and efficient wealth building. Brendon has been with Fidelity Investments since 2015, progressing through roles including Financial Representative, Investment Consultant, Financial Consultant, and currently Vice President, Financial Consultant. His experience encompasses various aspects of financial consulting and investment advising. Outside of his professional responsibilities, Brendon has personal interests in baseball, comedy, food, social events with friends, music, and singing.

Franck Litzler is a Wealth Management Advisor serving as a Merrill Resident Director with Merrill Lynch Wealth Management. He brings two decades of experience in wealth management, focusing on guiding clients through financial planning and investment strategies. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). Franck earned a Master's Degree from Indiana University/Purdue University at Indianapolis and a Master of Business Administration (MBA) from Dartmouth College. Outside of his professional role, Franck has interests in music, running, and traveling.

Nalini Dhar is an International Wealth Advisor currently with Merrill Lynch Wealth Management. She brings over 24 years of professional experience spanning leading wealth management firms in both the United States and internationally. Since joining Merrill Lynch in 2007 from Citibank, Nalini specializes in developing comprehensive strategies for high-net-worth individuals, their families, and businesses designed to meet long-term financial goals. Her expertise encompasses investment consulting, credit access and lending services, wealth transfer strategies, family wealth management, philanthropic planning, socially responsible investing, and retirement income planning. Nalini holds a Bachelor of Science degree from St. Stephen’s College, Delhi, and an MBA in Marketing and International Business from the NM Institute of Management Studies in Mumbai. She has earned professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA), and she is affiliated with the Investments & Wealth Institute. Fluent in English and Hindi, Nalini combines her analytical approach with personalized client engagement to deliver tailored financial solutions. In addition to her professional work, Nalini is active in community initiatives focused on education and empowerment. She serves on the board of the Women’s Education Project, a nonprofit based in New York and India, and is involved with the Women’s Bond Club. Outside of finance, she enjoys music and is a Grade 4 pianist certified by the Royal School of Music, London. Her personal interests also include biking, reading, and running.