PROFESSIONAL PROFILE

Gregory Amerkanian, a Certified Financial Planner™ and Chartered Retirement Planning Counselor®, joined Merrill Lynch in 1993. Greg delivers comprehensive planning for High Net Worth families, to include retirement forecasting, asset allocation modeling, asset protection, and estate planning. He also counsels corporate and non-profit organizations and endowments. With an Economics degree from the College of Holy Cross, Greg supervises for the Armenian General Benevolent Union's Summer Intern Program and is a member of the Financial Planning Association. He serves on the investment committee for the St. Thomas Armenian Church in New Jersey, where he resides with his wife Natalie, and sons Shant and Garo.

Charles Balducci, Certified Investment Management Analyst and Chartered Retirement Planning Counselor®, identifies financial solutions for High Net Worth and Ultra High Net Worth individuals. His responsibilities include meeting new clients for a comprehensive understanding of their personal challenges and desires. He works extensively with corporate executives to create unique strategies for concentrated company stock and option positions, including lending, hedging, diversification, monetization and tax deferral techniques.

Charlie graduated from the Smeal School of Business at Penn State University with a degree in Finance and Economics. He is a member of the Investment Management Consultants Association. Originally from Dix Hills, Long Island, Charlie now resides in Manhattan with his wife Amy.

Eric Snyder, Certified Investment Management Analyst and Chartered Retirement Planning Counselor®, provides investment advice for our High Net Worth families, non-profit organizations, and institutional clients. A member of the Investment Management Consultants Association, he utilizes modern portfolio theory combined with third-party investment firms to bring an institutional approach to managing client portfolios. Eric also works with our accredited investors with various Alternative Investment strategies (hedge funds, managed futures, private equity) for added diversification. Eric earned his Bachelor's degree in Marketing and International Business from the Smeal School of Business at Penn State University. Originally from Philadelphia, he currently resides in Westfield, NJ with his wife, Dianna, son Kyle and daughter Devon.

Denise Glover is a relationship manager of the group and to the various specialists within Merrill Lynch. She coordinates all of our clients' service needs with various specialists at Merrill Lynch (Lending Services, Currency exchange and Stock Option Exercise). Graduating Cum Laude from Dowling College (Finance degree), Denice is originally from West Hampton and has been with the firm for over 10 years.