Merit Financial Advisors

Erin Wozniak is a financial advisor at Merit Financial Advisors with 13 years of industry experience. She holds Series 65 and Series 66 designations and has previously worked at Commonwealth Financial Network, Advantage Investment Management, LPL Financial, and TL Financial Group. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves tailored by advisors, with oversight from a central Investment Management team and Investment Committee.

Saraphina Peters is a financial advisor at Merit Financial Advisors with one year of industry experience. She holds a Series 66 designation and has previously worked at Purshe Kaplan Sterling Investments, Commonwealth Financial Network, Blueprint Wealth Advisors, and other firms. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach through tailored model portfolios and offers specialized services such as fiduciary and ESOP trustee work.

Shawn Quam Schulz is a financial advisor at Merit Financial Advisors with 21 years of industry experience. His prior roles include positions at Commonwealth Financial Network and Ameriprise Financial Services, Inc. He is a co-owner of The Wood Shop, a non-investment-related business. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base including individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable strategies overseen by a central Investment Management team and Investment Committee.

Ryan Gomendi is a financial advisor with Commonwealth Financial Network in Billings, Montana, holding a Series 66 designation and nine years of industry experience. He has worked at Commonwealth since 2016, with additional experience at Strategic Retirement Plans and Faith Chapel. Outside of advising, he is co-owner of Kingdom Stewards Inc., a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and services, including model portfolios and personalized indexing options, and supports affiliated advisors with operations, trading, technology, compliance, and practice management.

Randall Kim is a financial advisor at Merit Financial Advisors with 47 years of industry experience and holds the ChFC® designation along with Series 63 and Series 65 licenses. His career includes roles at LPL Financial, Path Wealth Management LLC, Triad Financial Strategies, Inc., and Purshe Kaplan Sterling Investments. He also provides insurance advice as an agent. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving individuals, corporate clients, retirement plan sponsors, charitable organizations, and institutions. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves, overseen by a central Investment Management team and Investment Committee, while allowing advisors to customize portfolios on discretionary or non-discretionary bases.

Thomas Gay is a financial advisor at Merit Financial Advisors with 26 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Purshe Kaplan Sterling Investments, Dasher & Padgett Financial Advisors, INVEST Financial Corp., and LPL Financial. He serves as Secretary on the board of the Kiwanis Club of Dougherty County. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base including individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable sleeves, overseen by a central Investment Management team and Investment Committee.

Joshua Hewlett is a financial advisor at Merit Financial Advisors with three years of industry experience. He holds the Series 66 designation and has previously worked at PKS Investments, LPL Financial, LLC, Cambridge Investment Research, Inc., and Fischer Insurance Agency. Outside of his advisory role, he has experience in emergency management and operated a lawncare and landscaping business for eight years. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving individuals, businesses, retirement plan sponsors, and institutions. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves, overseen by a central investment team and committee, while offering customization options for advisors.

Royce Kurtz is a financial advisor at Merit Financial Advisors with 11 years of industry experience. He holds the Series 66 designation and has worked at Harbour Investments, Inc. and Woodbury Financial Services, INC. He is also involved in tax preparation and planning through Mennenga Tax & Financial and Merit Tax Advisors. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base including individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable strategies overseen by a central Investment Management team and Investment Committee.

Austin Summers is a CFA® charterholder and holds a Series 66 license, with five years of industry experience. He has worked at Merit Financial Advisors since 2022 and currently serves at Purshe Kaplan Sterling Investments. Prior to his advisory roles, he was affiliated with Cambridge Investment Research and LPL Financial. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves, overseen by a central Investment Management team and an Investment Committee, while allowing advisors flexibility in portfolio management.

William Meland is a financial advisor at Merit Financial Advisors with 24 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Merit in 2025, he spent 21 years at Pillar Wealth Management Co. Merit Financial Group, LLC is an SEC-registered advisory firm with 144 advisors managing approximately $10.6 billion. The firm serves a diverse client base including individuals, businesses, retirement plan sponsors, and charitable organizations, offering asset management, financial planning, and specialized services such as independent fiduciary and ESOP trustee work.

Brian Giboney is a financial advisor at Merit Financial Advisors with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at LPL Financial for 20 years before joining Merit Financial Advisors and PKS Investments. Outside of his advisory work, he has written a monthly column for Parachutist Magazine since 2000. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion with 144 advisors serving individuals, corporate clients, retirement plan sponsors, and institutions. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves, with oversight from a central Investment Management team and an Investment Committee.

Christina Perna is a financial advisor at Merit Financial Advisors with 19 years of industry experience. She holds a Series 66 designation and has previously worked at TL Financial Group, Commonwealth Financial Network, LPL Financial, and Advantage Investment Management LLC. In addition to her advisory role, she is also a notary public. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base that includes individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves, with oversight from a central Investment Management team and an Investment Committee.

Sean Moore is a financial advisor with Merit Financial Advisors in Boynton Beach, FL, holding a Series 63 designation and 22 years of industry experience. His career includes positions at Purshe Kaplan Sterling Investments, LPL Financial, SMART Wealth Advisory, Securities America Advisors, and Securities America, Inc. In addition to his advisory work, he is a notary. Merit Financial Group, LLC manages approximately $10.6 billion and serves a diverse client base including individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and modular sleeves, overseen by an Investment Committee, while offering customizable portfolio management options.

Brian Andrew is a CFA® charterholder and holds a Series 65 license with 19 years of industry experience. He is currently with Merit Financial Advisors, joining the firm in 2024 after working at Johnson Wealth Inc. and Johnson Bank for nearly a decade. Outside of his advisory role, he serves as Chairman of the Investment Committee for Pathway 2 Cures, a venture philanthropy fund investing in start-up biotechnology companies. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion in assets and serving a diverse client base including individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable sleeves, overseen by a central Investment Management team and committee, while offering a range of financial planning and specialized fiduciary services.

Philip Ferrara III is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Merit Financial Advisors. His prior roles include positions at Northwestern Mutual Wealth Management Company, Larson Financial Group, and Merrill Lynch. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base that includes individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable strategies overseen by a central Investment Management team.