Nelligan & Associates

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Merrill Lynch

Nelligan & Associates

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We’re committed problem solvers who savor the opportunity to make a real difference in clients’ lives.

Nelligan & Associates

Welcome

Nelligan and Associates is a Merrill Lynch Wealth Management team headquartered in Princeton, New Jersey. Speak with us for a few minutes, and you’ll notice something different. Our work is a vocation and a passion. 

A team of veteran advisors, we combine experience, ethics, and exceptional service to help clients move from where they are, to where they want to be.  We’re like a financial “GPS,” lending direction and clarity to life’s crossroads and decision points.

Our principals—Joe Nelligan, Mike Barna, and Jim Bumstead—bring decades of real-world experience in wealth management, investing, accounting, business, and engineering.* We’re skilled in circumventing the pitfalls and remedying the gaps that clients typically encounter. At the same time, our work is intensely personal. Committed listeners, we work to discern a client’s past, present, and future, so that we can better address their goals and needs.  

We don’t sugar-coat our advice. We’re in the business of helping people – not telling them what they want to hear. Our process is grounded in purposeful action, committed discipline, and long-term thinking. In a world characterized by instant gratification, we help clients develop an actionable plan to resolve confusion, enhance clarity, and make steady progress toward meaningful objectives.

Intergrated Advice

We serve a varied clientele. Each of us is well versed in multiple aspects of wealth management, applying our knowledge of complementary disciplines. If a client has a problem or question, we’ve likely seen it before. We offer the insight that stems from years of direct experience. And we leverage the research, best practices, and technological edge of an industry leader, Merrill Lynch. Our team structure allows us to pool ideas and intensify our coverage, amplifying our value and differentiating our approach. 

We’re privileged to serve as the “go to” resource and first phone call for a range of needs:  

Individuals, couples, and families:
- Retirement planning
- Investment management
- Long-term care evaluation and selection
- Higher education savings
- Trust and estate planning services
- Access to home financing and lending through Bank of America, N.A.

Business owners and professionals:
- 401(k) design, development, and servicing
- Succession planning
- Business monetization
- Evaluation of new acquisitions and opportunities 

Executives:
- Concentrated and restricted stock strategies
- 10b5-1 Plan design, development, and servicing
- Access to securities-based lending through Bank of America, N.A.
- Portfolio diversification

Disciplined Process

Our team offers a refined skill set. We’ve attained certifications in planning and retirement strategy, deepening our understanding of the key issues that clients encounter. And we continue to expand our knowledge base, completing professional education to stay apprised of the strategies and tactics that can potentially benefit our clients.  

As investors, we believe in three core tenets: (1) simplicity; (2) disciplined growth; and (3) long-term asset preservation. We capitalize on the research and offerings at Merrill Lynch to develop customized investment programs, reflecting each client’s distinctive goals, timelines, preferences, and risk thresholds.  Our longevity and continuity as advisors have provided us with a maturity and perspective that don’t shrink during times of crisis. We’ve seen booms and busts, bull markets and bear. Whatever the environment, we look to avoid trends and group-think so that we can provide clients with a reliable investment process we’ve honed over many years.

*Any information presented in connection with BofA Merrill Lynch Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized.
BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates. BofA Merrill Lynch Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.



Tailored Services

Service is the foundation of our work; it’s what makes us excited to tackle each new challenge. What other people view as headaches, we see as opportunities – to educate, resolve, and move forward. Our Client Associate, Rob Velcko, helps foster the warm and welcoming environment that characterizes our office. Resolute in tracking down answers, Rob is a linchpin of efforts, streamlining each client’s financial life. As a team, we don’t wait for issues to magically resolve. We anticipate, and then we act. 

Empathy and approachability are two of our core values. When clients call our office, we pick up our own phones; we want to speak with them, whether it’s a crisis or a small question. We feel privileged to help clients and the people they care about. That’s why referrals constitute so many of our new relationships. We work hard to earn that trust, every day. 

Each client is an integral member of our professional family. We’re deeply entrenched in their lives – from milestones and triumphs, to difficulties and challenges. Through regular meetings and ongoing discussions, we stay apprised of changing conditions so that we can better respond to their needs. Clients recognize that we care deeply about them, pursuing their best interests with a rigor and reliability that testify to our deep-seated passion for what we do.

Meet the Team

Supported by the global resources of Merrill Lynch, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Joseph M Nelligan

Joseph M Nelligan

Senior Financial Advisor

609.243.7951
Michael  Barna

Michael Barna

Financial Advisor

609.243.7968
James  Bumstead

James Bumstead

Financial Advisor

609.243.7973
William R Velcko

William R Velcko

Client Associate

609.243.7820

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

Staying on Track

We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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Access to what you need, when you need it

MyMerrill is your destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

  • Your advisor is never more than a click away within our site or mobile apps
  • Manage account security with our customizable security capabilities such as touch id, one time passcode, and other security features
  • Access to your complete financial life is available with My Financial Picture, Merrill Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

Why Merrill Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


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We put you first, every day.
Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch financial advisor.





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Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

A comprehensive approach, built around your life’s priorities.

Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

We will work to help you stay on track, regardless of what the markets are doing.