Now’s the time to have the bull at your back, with Merrill.

Now’s the time to have the bull at your back, with Merrill.

Merrill believes the future is bullish, even in the most unpredictable of markets. To see you through uncertainty and help you to find opportunities, we invite you to check out the latest investment insights from our Chief Investment Office.

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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.

Gregory P Hayes

Financial Times "400 Top Financial Advisers" 2014
Published on March 25, 2014. Rankings based on data as of June 30, 2013.

Forbes "Best-in-State Wealth Advisors" 2021
Published on February 11, 2021. Rankings based on data as of June 30, 2020.

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.

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.

Jason Herbert

Wealth Management Banking Specialist


Christopher Caradec

Wealth Strategist


Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life

Who We Are


Hayes & Associates utilizes the collective wisdom they've accumulated through a combined 84 years of experience to oversee and coordinate the financial affairs for a select number of individuals, families, retirees, business owners, corporate executives, and institutions. Our job is to help our clients lead the best life they can with the money they have, to free them from financial worry, and to properly preserve and build the wealth needed to enjoy life by making the best possible decisions during the course of a lifetime and over multiple generations.

With offices in Princeton, NJ and Yardley, PA, we serve clients throughout the country, providing the intimacy and personal attention of a boutique, combined with the vast resources of one of the world's largest financial institutions.

Who We Serve

Although we work with clients from all walks of life, our services are best suited for those with $1 million or more of investable assets. Many of our clients have come to us over these past 35 years for the following reasons:

  • Those nearing retirement or currently retired who would like to lead the best life they can and help ensure they do not outlive their assets.
  • Business owners and corporate executives who are seeking a competent advisor to help them oversee their financial affairs, protect their family and free up their time.
  • Those individuals who have recently or are about to experience a liquidity event, such as a sale of a business or property, an inheritance, a divorce, a sale of stock or options, etc.
  • Those who are not satisfied with their current advisor and feel they may benefit from a second opinion.
  • Those seeking financing.
  • Institutions and corporations seeking professional cash management or treasury services.

How We Do It

We begin with a confidential conversation to identify client goals and financial priorities, define investment objectives, and determine risk tolerance. In addition, a full "financial inventory" is taken with respect to assets, liabilities, income, expenses, taxes, savings capacity, etc. This leads to a personalized, detailed, written strategy that focuses on where you are today, where you are trying to get to "tomorrow", and what actions need to be taken to help you accomplish what's important to you in life.

The written plan will frequently include recommendations regarding the following:

  • Retirement Planning
  • College Planning
  • Survivor, Income & Asset Preservation
  • Wealth Transfer Planning
  • Cash Management
  • Tax Minimization
  • Asset Allocation
  • Investment Selection & Diversification
  • Financing & Liability Management

Once the plan is in place and the portfolio is properly structured, performance is tracked and reported on a regular basis, and a formal contact schedule is put in place to help ensure that a continual and effective communication flow is ongoing.

If this approach appeals to you, we welcome the opportunity to meet with you to learn more about each other and talk it through further.

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.


    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.

      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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      Transcript of Video 

      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.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

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

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

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

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