Vivino, Renfro & Miller

Merrill Lynch Wealth Management
1700 Route 23
Suite 200
Wayne, NJ 07470
(800) 430-9789
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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.
Vivino, Renfro & Miller
Merrill Lynch Wealth Management

Vivino, Renfro & Miller is a Wealth Management team with Merrill in Wayne, NJ. With decades of collective experience and access to the extensive resources of Merrill, we utilize a process driven approach specifically designed toward the measure and achievement of financial goals. Personalized service and customized strategies, enables our team to effectively serve a select group of individual and institutional clients. From a working list of objectives, based upon the clients risk tolerance, time horizon, and liquidity needs; we design, implement and review solutions to manage and preserve wealth.

Paul Renfro
Managing Director, Wealth Management Advisor
Forbes "Best-in-State Wealth Advisors", 2022
(Published on April 7, 2022. Rankings based on data as of June 30, 2021.)
About Us

We believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, We will work with you to develop an approach designed to help address your financial needs.

Meet Our Team
Paul Renfro,


Managing Director, Wealth Management Advisor
Bruce E Vivino,


Senior Vice President, Senior Relationship Manager
Michael E Miller,


Senior Vice President, Senior Relationship Manager
Michael A Post,


Assistant Vice President, Wealth Planner
Nancy G Salzbach
Assistant Vice President, Wealth Management Associate
Maria T Myers
Assistant Vice President, Wealth Management Associate
Zsuzsanna Vivino,


Registered Wealth Management Client Associate
Gabrielena DelBalso - Assorgi
Wealth Management Client 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.
Michael Perticari
Senior Wealth Management Lending Officer
Bank of America, N.A.
NMLS #535721
Tricia Kropp
Wealth Strategies Advisor
Bank of America, N.A.
Sebastian De La Cruz
Wealth Management Banking Specialist
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.