Merit Financial Partners LLC

Joseph Manno is a Series 65-licensed advisor at Merit Financial Partners LLC with three years of industry experience. He previously worked at Loyal Advisors for 15 years and Direct Wines Inc for 12 years. Outside of his advisory role, he co-owns JMSynergy LLC, a marketing and business consulting firm, with his wife. Merit Financial Partners serves individuals, trusts, estates, retirement plans, and charitable organizations, offering fee-only financial planning and wealth management. The firm employs a fiduciary, consultative investment approach that combines fundamental and technical analysis with an emphasis on asset allocation and low-cost index funds and ETFs, while allowing active strategies as appropriate.

Elizabeth Cox is a CFP® professional with 19 years of experience in the financial industry. She is affiliated with Merit Financial Partners LLC and has worked at MTP Advisors since 2010, as well as operating Cox Financial Services, LLC since 2009. Additionally, she has been involved with Divorceu.Com since 2007. Merit Financial Partners provides fee-only financial planning, investment consultation, portfolio management, and wealth-management services to individuals, trusts, estates, retirement plans, and charitable organizations. The firm employs a fiduciary and consultative investment approach, emphasizing asset allocation and the use of low-cost index funds and ETFs, while also offering specialized services such as divorce financial analysis.

Edward Esposito is a financial advisor at Merit Financial Partners LLC with four years of industry experience. He holds a Series 65 designation and has been with Merit Financial Partners since 2021. Outside of advising, he works part-time as a self-employed tax accountant providing tax preparation and accounting services. Merit Financial Partners serves individuals, trusts, estates, retirement plans, and charitable organizations with fee-only financial planning, investment consultation, portfolio management, and wealth-management services. The firm employs a fiduciary and consultative investment process that emphasizes asset allocation and low-cost index funds and ETFs, offering discretionary investment management with a minimum investment horizon of about three years.

Richard Terry is a CFP® professional with nine years of experience in financial advising. He has worked at Merit Financial Partners LLC since 2018 and previously at Mtp Advisors from 2006 to 2017. Merit Financial Partners serves individuals, trusts, estates, retirement plans, and charitable organizations, offering fee-only financial planning, investment consultation, portfolio management, and wealth-management services. The firm employs a fiduciary, consultative investment process that emphasizes asset allocation and low-cost index funds and ETFs, with discretionary management primarily through Charles Schwab.

Hrefna Martin is a CFP® with 14 years of industry experience, currently serving at Merit Financial Partners LLC. She has worked at MTP Advisors and Cox Financial Services, LLC since 2015. In addition to her advisory role, she prepares financial plans as an independent contractor for Resnick Investment Advisors LLC. Merit Financial Partners provides fee-only financial planning, investment consultation, portfolio management, and wealth-management services to individuals, trusts, estates, retirement plans, and charitable organizations. The firm employs a fiduciary, consultative investment approach that combines fundamental and technical analysis, emphasizing asset allocation and low-cost index funds and ETFs while allowing active strategies when appropriate.