The Joyal-Ferraro Group

Merrill Lynch Wealth Management
100 Somerset Corp Center Blvd
Suite 1000
Bridgewater, NJ 08807
(908) 685.3264
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Whatever your personal goals may be, we will work together with you, one-on-one, to develop a personalized financial strategy designed to help you pursue your long-term goals.
The Joyal-Ferraro Group
Welcome

Managing your wealth begins with a deep understanding of your full financial picture. Based on what matters most to you, I can help create a strategy as flexible as today's changing market conditions, and I can provide access to the investment insights of Merrill and the banking convenience and lending solutions of Bank of America. I will work to help you pursue your goals through personalized wealth management strategies.

Recognition
Austin Joyal
Senior Vice President, Wealth Management Advisor
Forbes "Top Next-Generation Wealth Advisors Best-in-State", 2023-2024
(Published annually Aug - September. Rankings based on data as of March 31 of current year.)
The Joyal-Ferraro Group
Forbes "Best-in-State Wealth Management Teams", 2024
(Published on January 12, 2024. Rankings based on data as of March 31, 2023.)
About Us
Welcome

Our mission, first and foremost, is to understand you and what matters most to you. Armed with that information I can ask thoughtful questions -- listening carefully, then understanding in detail where your wealth stands today and where you'd like it to be tomorrow. We help you design and implement a personalized plan intended to help you and your family pursue financial goals while helping manage investment risk. Our approach is to focus on potential solutions that can help turn goals into reality.

Meet Our Team
Kathleen C Joyal,

ChFC®, CFP®, CIMA®, CPFA™, CRPC™

Senior Vice President, Senior Consultant
908.685.3264
Louis Ferraro,

CFP®, CPFA™, CRPC™

Senior Vice President, Wealth Management Advisor
908.685.3245
Austin Joyal,

CFP®, CPFA™, CPWA®, CRPC™

Senior Vice President, Wealth Management Advisor
908.685.3264
Cheryl M Witte,

CRPC™

Assistant Vice President, Relationship Manager
908.685.3216
Angela R Cosgrave,

CRPC™

Officer, Registered Wealth Management Client Associate
908.685.3220
Rebecca Hayevy
Assistant Vice President, Wealth Management Associate
Additional Resources
The following specialists do not make securities recommendations. Please contact your Merrill Lynch Wealth Management Advisor if you have questions about how a specialist might be able to assist you.
Tricia Kropp
Wealth Strategies Advisor
Bank of America, N.A.
Natalie De La Calle
Alternative Investments Regional Specialist
Bank of America, N.A.
About Merrill

Bringing fresh perspectives to your financial life

The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.

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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and the CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™ logo are certification marks or registered certification marks of The College for Financial Planning Institutes Corp. in the United States.
Investments & Wealth Institute™ (The Institute) is the owner of the certification marks CIMA® and Certified Investment Management Analyst®. Use of CIMA®, and/or Certified Investment Management Analyst® signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for investment management professionals.
Investments & Wealth Institute™ (The Institute) is the owner of the certification marks CPWA® and Certified Private Wealth Advisor®. Use of CPWA®, and/or Certified Private Wealth Advisor® signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for wealth advisors.