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    77 Broad Street
    Red Bank, NJ 07701
  - sabrina.crammer@ml.com
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The Beacon Group

address
77 Broad Street
Red Bank, NJ 07701

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Merrill Lynch
Wealth Management

Our team focuses on addressing the investing and fiduciary responsibilities of institutions as well as the wealth management needs of individuals and families. We work closely with clients to determine their needs so that we can craft customized financial strategies to help them pursue their goals.

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The Beacon Group

Approach

Working with us means working with advisors truly dedicated to helping you pursue your goals. The approach is simple, transparent and supported by thoughtful investment guidance aligned to the goals that matter most to you.

The value of the relationship with you includes:

helping you make informed decisions
recognizing your life priorities and goals
understanding your investment style
helping you prioritize and pursue goals
being transparent by making possibilities, fees and risks clear
taking steps to help you preserve income during a life challenge
educating the younger generation about investments and the markets

Capabilities

Merrill’s process is designed to help deliver a customized, comprehensive experience to assist you not only in wealth accumulation and preservation, but in areas that go beyond investments. Providing you with access to the investment insights of Merrill, trust and fiduciary services from Bank of America Private Bank, and the banking and lending solutions of Bank of America offers a way to help you manage all of the pieces of your financial life. Working one-on-one with a Merrill advisor means you have a single point of contact to help you with potential strategies for transferring wealth to the younger generation.

Focus On Individuals, Families and Small Businesses

We believe that financial success can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. Whether you’re planning your retirement, saving to buy a home or funding a child’s education, the process begins by getting to know you and how you feel about the following:

Health: Managing healthcare expenses, now and in the future
Home: Upsizing, downsizing, remodeling or buying a vacation home
Family: Taking care of your family and other people in your life
Leisure: Spending your free time in meaningful ways
Giving: Volunteering, mentoring others and giving to charities
Work: Working in retirement, selling or starting a business
Finance: Bringing it all together and defining your financial goals

Success will be measured by the amount of progress you are making toward reaching your goals, making thoughtfully considered adjustments as events and conditions warrant.

This material should be regarded as general or educational information on healthcare or Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

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

Philosophy

You live in a world that’s constantly changing. Markets can fluctuate frequently. Potential investment opportunities can arise daily. Regulations are enacted or amended. That’s why understanding you and your situation is the best place to start helping you plan your financial future: where you are today, where you want to be tomorrow, and what you want to accomplish along the way. By understanding you and your priorities, we can more effectively provide you with the experience and resources needed to help you build a personalized plan that is rooted in the unique complexities of your life.

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.

Approach
Capabilities
Focus On Individuals and Families
Philosophy
Welcome

Recognition

Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

Charles Belluardo

Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*

Financial Times "401 Top Retirement Advisers" 2017, 2018, 2019
Published annually May - Oct. Rankings based on data as of Dec 31 of prior year.

Barron's "Top 1,200 Financial Advisors: State-By-State" 2022
Published on March 11, 2022. Rankings based on data as of September 30, 2021.

Forbes "Best-in-State Wealth Advisors" 2018, 2019, 2020, 2021
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

John Lembeck

Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*

Financial Times "401 Top Retirement Advisers" 2017, 2018, 2019
Published annually May - Oct. Rankings based on data as of Dec 31 of prior year.

Forbes "Best-in-State Wealth Advisors" 2018, 2019, 2020, 2021
Published annually Jan- April. Rankings based on data as of June 30 of prior year.

Sabrina E Wiesel-Crammer

Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*

Financial Times "401 Top Retirement Advisers" 2017
Published on September 27, 2017. Rankings based on data as of December 31, 2016.

Click here to learn more about advisor recognitions

Meet the Team

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

A co-founder of The Beacon Group, Charlie has been a registered investment professional for more than 30 years. He joined Merrill in 2013 and feels tremendous pride helping generations of clients achieve goals they find meaningful, with financial strategies custom-designed on their behalf.

Charlie’s longevity in the industry has taught him the value of process, discipline and client care. Having helped clients navigate turbulent and booming markets, he recognizes the importance of clear and timely explanations – so that clients can understand the risk they’re taking, what they own, and why.

“Clients fascinate me – which makes it a pleasure to learn about their visions and values,” Charlie explains. “Over the years, I’ve cultivated relationships that span ‘grandparents to grandchildren’ and across the country. And while clients’ needs are in constant flux, my commitment has never wavered. I remain determined to provide the kind of wealth management that provides enduring benefits beyond what many clients expect.”

Today, Charlie draws upon an array of skillsets – especially his ability to help manage portfolio risk – utilizing technical analysis, portfolio hedging strategies and portfolio management policy.

Charlie is a highly credentialed advisor who finds that his rigorous and ongoing industry training allows him to bring clients an extra measure of knowledge and know-how. He holds the CERTIFIED FINANCIAL PLANNER™, CFP® certification from the Certified Financial Planner Board of Standards as well as the Certified Plan Fiduciary Advisor, CPFA awarded by the National Association of Plan Advisors (NAPA).

Charlie was named to Forbes "Best-in-State Wealth Advisors" list in 2018, 2019, 2020 & 2021* (published annually Jan - April. Rankings based on data as of June 30 of prior year.) He was also named to Financial Times "401 Top Retirement Advisors" list in 2017, 2018 and 2019** (published annually May - Oct. Rankings based on data as of Dec 31 of prior year.)

Outside of the office – and on tracks across the U.S. and Canada – Charlie has been a professional and amateur racecar driver for more than 15 years. Charlie has two children and has also raised two foster children.

**Source: The Forbes “Best-in-State Wealth Advisors” list, published annually Jan - April. Rankings based on data as of June 30 of prior year.

Data provided by SHOOK® Research, LLC. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.

**Source: Financial Times “401 Top Retirement Advisers” list, published annually May - Oct. Rankings based on data as of Dec 31 of prior year.

The Financial Times “401 Top Retirement Advisers” list is an independent listing produced annually by the Financial Times. The FT 401 is based on data gathered from advisers, regulatory disclosures, and the FT’s research. The listing reflects each adviser’s status in six primary areas: DC plan assets under management, DC plan growth rate, specialization in DC plans, years of experience, advanced industry credentials, and compliance record. This honor is not indicative of the adviser’s future performance. Rankings and recognition from the Financial Times are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results, and such rankings should not be construed as an endorsement of the adviser. Neither the advisers nor their parent firms pay a fee to the Financial Times in exchange for inclusion in the FT 401. All rights reserved.

Charles Belluardo, CPFA, CFP

Managing Director

Senior Financial Advisor

732.530.3075

A founding partner of The Beacon Group, Sabrina offers clients a rare combination of analytical, investment management, and operational skills. She joined Merrill in 2013 after more than ten years spent as a financial advisor and compliance director at another major financial firm.

Sabrina “grew up” in the industry watching her father (a longtime financial advisor) serve clients with an open ear and heart. Following in his footsteps and walking beside him for years as partners, Sabrina came to share his work ethic, care and integrity – extending them today to many clients he assisted 20 and 30 years ago.

Serving plan sponsors and their employees, Sabrina finds it natural to embrace their aspirations, realities and needs. She is committed to formulating customized strategies that can enhance their lives, beyond dollars and cents. Through extensive and frequent dialog, she helps ensure that a client’s multi-pronged strategy reflects their financial, professional and personal objectives for the long and short-term.

"I am a fact-driven and client focused advisor,” Sabrina says. “Informed by my experience, the results of proven strategies, and my detailed analyses of clients’ assets and liabilities, I can show clients what they can expect given different real-world scenarios. No shortcuts. No fancy jargon.”

To help clients move efficiently from Point A to Point B, Sabrina also incorporates trusts and other tax-efficient vehicles while being mindful of the latest regulations and opportunities. When helpful, she aligns her efforts with those of clients’ CPAs and attorneys.
Sabrina was named to Financial Times "401 Top Retirement Advisers" list in 2017* (published on September 27, 2017. Rankings based on data as of Dec 31, 2016.)

An enthusiastic global traveler, Sabrina enjoys new cultural experiences with her son, Elliot. Back home, Sabrina is an avid cook, cyclist and reader who values time with family and friends.

*Source: Financial Times “401 Top Retirement Advisers” list, published on September 27, 2017. Rankings based on data as of Dec 31, 2016.

The Financial Times “401 Top Retirement Advisers” list (FT 401) is an independent listing produced by the Financial Times. The FT 401 is based on data gathered from financial advisers, regulatory disclosures, and the FT’s research. The listing reflects each adviser’s status in seven primary areas, including Defined Contribution (DC) plan assets under management, growth in DC plan business, specialization in DC plan business, and other factors. This award does not evaluate the quality of services provided to clients and is not indicative of this adviser’s future performance. Neither the advisers nor their parent firms pay a fee to the Financial Times in exchange for inclusion in the FT 401.

Sabrina E Wiesel-Crammer, CPFA

First Vice President

Senior Financial Advisor

732.530.3089

John founded The Beacon Group in 1984 and moved it to Merrill in 2013. Bringing clients his extensive knowledge of retirement planning, wealth building and asset preservation, he has helped them take a rational and realistic approach to investing and encouraged their focus on the meaning of wealth, beyond a dollar figure.

Over the past 30+ years, John has earned the respect of the industry and clients alike. Today, he builds on his decades of experience to help corporate executives, wealthy families, public and private institutions achieve their financial objectives with the minimal level of risk required to do so.

Taking cues from clients, John not only accounts for clients’ goals, but also holes in their investment picture – areas of weakness that should be addressed, including utilization of debt and protective components such as insurance.

“I believe our team offers what many clients did not receive in a previous relationship – a rare combination of experience, fresh ideas, and a goals-based process delivered with first-class service.

We encourage clients to consider us their ‘first call’ with any question, financial or otherwise,” John says. “It feels good to be there for good people.”

John is a lifetime learner. He holds the Chartered Retirement Plans Specialist designation from the College for Financial Planning Institutes Corp, as well as the C(k)P® and Certified 401(k) Professional designations from The Retirement Advisor University, Inc.
John was named to Forbes "Best-in-State Wealth Advisors" list in 2018, 2019, 2020 & 2021* (published annually Jan - April. Rankings based on data as of June 30 of prior year.) He was also named to Financial Times "401 Top Retirement Advisers" list in 2017, 2018 and 2019** (published annually May - Oct. Rankings based on data as of Dec 31 of prior year.)

Given the time and the right temperature, John takes to the slopes – traveling extensively to pursue his passion for skiing. When the snow melts, he heads to his boat where he enjoys more good times with his wife, Linda, and their three children.

*Source: The Forbes “Best-in-State Wealth Advisors” list, published annually Jan - April. Rankings based on data as of June 30 of prior year.

Data provided by SHOOK® Research, LLC. Forbes Best-in-State Wealth Advisors ranking was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices; also considered are: client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.

**Source: Financial Times “401 Top Retirement Advisers” list, published annually May - Oct. Rankings based on data as of Dec 31 of prior year.

The Financial Times “401 Top Retirement Advisers” list is an independent listing produced annually by the Financial Times. The FT 401 is based on data gathered from advisers, regulatory disclosures, and the FT’s research. The listing reflects each adviser’s status in six primary areas: DC plan assets under management, DC plan growth rate, specialization in DC plans, years of experience, advanced industry credentials, and compliance record. This honor is not indicative of the adviser’s future performance. Rankings and recognition from the Financial Times are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results, and such rankings should not be construed as an endorsement of the adviser. Neither the advisers nor their parent firms pay a fee to the Financial Times in exchange for inclusion in the FT 401. All rights reserved.

John Lembeck, CPFA, C(k)P

Managing Director

Senior Financial Advisor

732.530.3059

John is a highly experienced and credentialed wealth management professional who has catered to a loyal and impressive group of non-profit organizations, their boards, investment committees and senior leaders for most of his 25-year career.

Prior to joining Merrill in 2016, John was a vice president at another major financial firm – advising both for-profit and nonprofit businesses on issues of closely held assets, middle market investment banking and specialty asset services, including oil and gas and hard assets.
As a Defined Contribution Investment Consultant, John addresses the asset management needs and advises on the fiduciary issues confronting private and public entities. Over the years, he has helped dozens of business owners and plan administrators navigate the development and implementation of group retirement plans.

John is a lifetime learner who holds the CERTIFIED FINANCIAL PLANNER™, CFP® certification from the Certified Financial Planner Board of Standards, the Certified Investment Management Analyst® (CIMA®) designation awarded by the Investments & Wealth Institute™, the Chartered Advisor in Philanthropy (CAP®) designation from the American College of Financial Services and the Certified Plan Fiduciary Advisor, CPFA designation from the National Association of Plan Advisors (NAPA).
John was named to:

•Forbes “Best-in-State Wealth Management Teams” list in 2023 as a member of The Beacon Group.
Published on January 12, 2023. Rankings based on data as of March 31, 2022.
John earned an MBA from the Columbia Business School at Columbia University in New York City. He resides in Manalapan, New Jersey with his wife and their two children.

*Source: The Forbes “Best-in-State Wealth Management Teams" list, published on January 12, 2023. Rankings based on data as of March 31, 2022.

Data provided by SHOOK® Research, LLC. Forbes “Best-in-State Wealth Management Teams" ranking was developed by SHOOK Research and is based on in-person, virtual and telephone due diligence meetings and a ranking algorithm that includes: a measure of each team's best practices, client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions of Forbes and not representative nor indicative of any one client's experience, future performance, or investment outcome and should not be construed as an endorsement of the advisor. Rankings and recognition from Forbes are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results. SHOOK's research and rankings provide opinions intended to help investors choose the right financial advisor and team, and are not indicative of future performance or representative of any one client's experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC

John A Amirante, CPFA, CIMA, CAP, CFP

Vice President

Senior Financial Advisor

732.530.3118

Joyce Bryant

Assistant Vice President

Wealth Management Associate

732.530.3077

Jenna L Paynton

Officer

Wealth Management Client Associate

732.530.3110

Danielle F. D'Angiolillo, CFP

Assistant Vice President

Wealth Management Specialist

732.530.3116

Jessica Ging

Officer

Wealth Management Client Associate

732.530.3027

Zachary Green

Investment Specialist I

Chris G Murphy, CFP, CPFA

Wealth Management Advisor

732.530.3040

Zachary Green

Registered Wealth Management Client Associate

732.530.3078

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.

Allison Baldino

Wealth Management Banking Specialist

Merrill

Lisa Rainforth

Wealth Strategist

Merrill

Elizabeth Kubeck

Wealth Management Lending Officer

Bank of America, N.A.

NMLS #486013

Create a plan that is all about you.

Merrill Personal Wealth Analysis™ can help us build and document a personalized plan, centered on your goals and focused on what you want to achieve.

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Staying on Track

We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.

Reviews to help you
stay on track

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

Changes in your life
and to your goals

Your life and goals change. As these changes occur, we can update your approach to reflect them.

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#DigitalMerrill

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

Your advisor is a click away within our site or mobile apps

You can 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’s asset aggregation tool

Let’s Have a Conversation

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

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9 Tax Tips that could save you money

Why Merrill?

As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.

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

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No question too big or moment too small
For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

The Power of the Right Advisor®
Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

The Beacon Group

Merrill Lynch Wealth Management

The Beacon Group

Approach

Capabilities

Focus On Individuals, Families and Small Businesses

Your approach to investing

Understanding your goals and priorities

Philosophy

Welcome

Recognition

Charles Belluardo

John Lembeck

Sabrina E Wiesel-Crammer

Meet the Team

Charles Belluardo, CPFA, CFP

Sabrina E Wiesel-Crammer, CPFA

John Lembeck, CPFA, C(k)P

John A Amirante, CPFA, CIMA, CAP, CFP

Joyce Bryant

Jenna L Paynton

Danielle F. D'Angiolillo, CFP

Jessica Ging

Zachary Green

Chris G Murphy, CFP, CPFA

Zachary Green

Additional Resources

Allison Baldino

Lisa Rainforth

Elizabeth Kubeck

Create a plan that is all about you.

Staying on Track

Reviews to help you stay on track

Changes in your lifeand to your goals

#DigitalMerrill

Let’s Have a Conversation

Articles

Market Briefs

4 Big Retirement Risks - and How to Prepare for Them

9 Tax Tips that could save you money

How much to spend on leisure in retirement?

Are you saving enough for your dream retirement?

The One Secret to Creating a Smarter Wealth Transfer Plan

Will the ‘Great Wealth Transfer’ transform the markets?

CIO Market Update Audiocast Series

Why Merrill?

Personalized advice from a dedicated financial advisor.

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

Adjusting your investment approach as your life and the markets change.

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Reviews to help you
stay on track

Changes in your life
and to your goals