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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®, First 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, developing and maintaining investment policy statements as well as keeping Board Fiduciary responsibilities to a minimum.
Additionally Neil is responsible for initial client meetings, working with clients on goal setting. Neil works with clients through the entire planning process updating and measuring the accomplishment of goals. Neil holds the following professional designations: Chartered Retirement Plan Counselor SM(CRPC®). Neil is a graduate of Northern Illinois University with degrees in Economics and Business Management. He resides in Summit, NJ with his wife, Lambi and their children Lynsey, Kahler & Reilly.

Ed 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 Society of Professional Administrators and Record Keepers (SPARK). Ed is the lead advisor for the groups retirement plans, he 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 works closely with business owners and Human Resource Managers to manage fiduciary responsibilities.
Ed additionally works with our clients to develop, implement, and manage their personal and business finances. Ed oversees the activity of the daily markets and makes certain we stay ahead of our changing markets. Ed is a graduate of Saint Bonaventure University with degrees in 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 specializes in 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, asset allocation, investment selection and performance to facilitate the successful achievement our clients financial goals. Dave graduated magna cum laude with a B.S. in Civil Engineering from Rochester Institute of Technology, and an MBA in Finance from Rutgers University. Dave was a Structural Engineer in bridge design and construction management prior to joining Merrill Lynch. 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 currently resides in Metuchen, NJ with his wife, Debbie and their children Matthew and Mia.

Frank McMahon, CFP® - Wealth Management Advisor
Frank T. McMahon, Jr. 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 University of Scranton. He and his wife, Rosemarie, live in North Brunswick, NJ.

Chris Renaud, CFP®, CRPC® - Wealth Management Advisor
Christopher works with individuals, families, and business owners. He focuses on wealth management and provides financial strategies designed to meet each client’s investment, education and retirement income planning needs. Christopher 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 CounselorSM (CRPC®) from the College for Financial Planning. He is licensed in life and health insurance. Christopher joined Merrill Lynch in 2005
Christopher graduated from Rutgers University and has his Series 7 and 66 licenses. He live with his wife, Heather, and newborn 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. In 2010, she became part of the management team in Client Account Services and transitioned into the Client Associate role in 2012. 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 attention 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 Nichola

Neil Newsham is registered to do business in: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: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: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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