Are You Seeking Competent, Personalized Financial Advice You Can Trust?

Michael earned his CFP® designation in 1995 while working as Editorial Financial Manager for Money Magazine. He focuses on early retirement strategies, asset allocation, college planning, and general financial planning, and has been a contributor and expert advisor to publications like Money Magazine, Consumer Reports, and the Queens Ledger.

Elizabeth is deeply committed to helping clients achieve strength and independence through life transitions. She is trained as a financial specialist in mediation and the collaborative divorce process, and her experience includes 12 years of international bond and equity trading on Wall Street.

Hrefna works with clients on an as-needed hourly basis for specific planning needs, or on an ongoing basis to implement and monitor their financial plans and manage or advise on their investments. She previously worked at Cox Financial Services (Merit's predecessor), Resnick Advisors, and Novos Planning Associates.

Ed is an Enrolled Agent (EA) admitted to practice before the IRS, helping clients with their tax and accounting needs and their complete financial picture. He received his Certificate in Financial Planning from New York University.

Joe brings more than two decades of experience in financial services, strategic planning, and client engagement, helping individuals and families gain clarity and confidence in their financial lives. Before joining Merit, he advised clients on wealth management and retirement planning at The Dowling Group in Greenwich, Connecticut.