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The FAND Group 

The FAND Group
Global Wealth Management
Merrill Lynch
2 tower center blvd
east brunswick, NJ  08816 

Phone(212) 236-3256
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Professional Staff

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(212) 236-3256   Wealth Management Advisor  
(732) 214-8200   Resident Director  
(212) 236-5098   Wealth Management Advisor  
(732) 214-3591   Wealth Management Advisor  
(732) 214-3594   Senior Financial Advisor  
(732) 214-3590   Client Associate  
(732) 214-3597   Client Associate  

Professional Profile

With over 95 years of experience The FAND Group offers personalized wealth management strategies for our individual high net worth clients, corporations, closely held businesses and non-for-profit organizations.

Each member of The FAND Group is responsible for particular areas of concern. By working together and coordinating our efforts, we strive to provide seamless integration of our clients’ complex financial needs and the vast resources available at Merrill Lynch. We understand the importance of the various aspects of our clients’ financial lives and the relationship between tax management, education planning, life insurance, and trust and estate planning services.

Our philosophy focuses on providing each client with a superior level of service and advice. We specialize in wealth management and investment strategy and planning. Additionally we offer a wide array of strategies to suit the needs of wealthy investors, corporate and non-for-profit organizations.
The FAND Group helps clients define their financial condition, identify their underlying capital needs, and establish short and long term priorities that contribute to a financially viable future.

Neil Newsham, CRPC®, Senior Vice President - Wealth Management Advisor

Neil joined Merrill Lynch in 1986. He is responsible for leading the teams’ effort working with Foundations, Endowments, and Non for Profits, while developing and maintaining investment policy statements, as well as keeping Board Fiduciary responsibilities to a minimum. Neil also works with clients through the entire planning process, updating and measuring the accomplishment of goals. He holds the following professional designations: Chartered Retirement Plan Counselor SM (CRPC®).
Neil is a graduate of Northern Illinois University with degrees in both, Economics and Business Management. He resides in Summit, NJ with his wife, Lambi, and their children, Lynsey, Kahler & Reilly.

Edward Flynn, CRPS®, CRPC®, First Vice President - Wealth Management Advisor

Ed joined Merrill Lynch in 1997. He is responsible for leading our teams' efforts working with our Corporate Retirement Plans. As the retirement plan coordinator of the group, Ed has his Chartered Retirement Plans Specialist SM (CRPS®) designation from the College of Financial Planning. Ed works with HR professionals to determine, establish, and administer the best retirement plan available for clients, including 401(k), Defined Benefit, Profit Sharing, and ESOP’s.
Ed is a graduate of Saint Bonaventure University with degrees in both, Finance and Accounting. Ed resides in Middletown, NJ with his wife, Tara, and their two sons, Eamonn and Owen.

David M. De Cerbo, CFP®, CIMA®, CRPC®, First Vice President- Wealth Management Advisor

Dave joined Merrill Lynch in 1998. He focuses on creating wealth management strategies, specifically; establishing, recommending, implementing, and monitoring individually designed financial strategies for our high net worth clients and closely held businesses. Dave also manages discretionary investment portfolios, investment selection, and performance to facilitate the successful achievement of our clients’ financial goals.

Dave graduated magna cum laude with a B.S. in Civil Engineering from Rochester Institute of Technology and has a MBA in Finance from Rutgers University. Dave holds the following professional designations: CERTIFIED FINANCIAL PLANNER™ (CFP®) awarded by the Certified Financial Planner Board of Standards, Inc., Certified Investment Management Analysts® (CIMA®), and Chartered Retirement Plan Counselor SM (CRPC®). Dave resides in Metuchen, NJ with his wife, Debbie, and their children, Matthew and Mia.

Francis McMahon, CFP®, Senior Vice President - Wealth Management Advisor

Frank has been a dedicated financial advisor for 37 years, beginning his career with Merrill Lynch in 1977. Frank manages portfolios for individual and institutional clients with a focus on Financial and estate planning services. Frank is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards.
Frank has a BA and a MA degree from the University of Scranton. He and his wife, Rosemarie, live in North Brunswick, NJ.

Christopher Renaud, CFP®, CRPC®, Assistant Vice President - Wealth Management Advisor

Chris joined Merrill Lynch in 2005. He works with individuals, families, and business owners. Chris focuses on wealth management while providing financial strategies designed to meet each client’s investment, education, and retirement income planning needs. Chris is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc., and also holds the designation of Chartered Retirement Planning Counselor SM (CRPC®) from the College for Financial Planning. He graduated from Rutgers. He lives with his wife, Heather, and son, Connor, in Monroe, NJ.

Jennifer Mack, Client Associate

Jen joined the FAND Group in 2013. She started her career at Merrill Lynch in 2005 as a Client Account Services representative. Her extensive background and experience offers a variety of knowledge regarding Merrill Lynch’s products and services. Her primary responsibilities include: daily account administration, client service requests, and enhanced supervision of client campaigns in efforts to deliver the ultimate client experience. Jennifer is a graduate of Monmouth University. She currently resides in Brick, NJ with her husband, Derrick, and two boys, Mason and Brody.

Sally Brown, Client Associate

Sally started her career at Merrill Lynch in 1994 as a Client Account Services representative. Sally handles all customer service responsibilities. Sally’s planning skills and attentions to detail have resulted in numerous successful and educational client building relationships. Her strong commitment to client service has been invaluable. Ensuring clients are engaged, informed, and treated with respect are skills that Sally brings naturally to the FAND Group. Sally is originally from Brooklyn, NY and currently resides in East Brunswick, NJ, with her husband, Nicholas.

a) Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. b) Investment Management Consultants Association (IMCA®) is the owner of the certification marks CIMA® and Certified Investment Management Analyst®. Use of CIMA® and Certified Investment Management Analyst® signifies that the user has successfully completed IMCA’s initial and ongoing credentialing requirements for investment management consultants. c) The Chartered Retirement Planning Counselor(sm), CRPC® and Chartered Retirement Plans Specialist, CRPS® are registered service marks of the College for Financial Planning.


Neil Newsham is registered to do business in:AZ, CA, CO, CT, DC, FL, GA, HI, IL, MA, MD, MI, MO, NC, NH, NJ, NM, NY, OR, PA, TX, VA, WA, WI

David De Cerbo is registered to do business in:AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY

Edward Flynn is registered to do business in:AZ, CA, CO, CT, DC, FL, GA, HI, IL, MA, MD, MI, MO, NC, NH, NJ, NM, NY, OH, OR, PA, TX, VA, WA, WI

Francis McMahon is registered to do business in:AZ, CA, CO, CT, FL, GA, IL, MA, MD, MI, NC, NJ, NV, NY, OR, PA, SC, TX, VA, WA, WI

Christopher Renaud is registered to do business in:AZ, CA, CO, CT, FL, GA, IL, MA, MD, MI, MN, NC, NJ, NV, NY, OR, PA, SC, TX, VA, WA, WI

For questions regarding registration information please contact your Financial Advisor.
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