The Del Nero, Calbi & Abbate Group


Get To Know Us

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.

profile photo

Michael Kreyssig

Wealth Management Banking Specialist

Louis P Giambertone

Louis P Giambertone

Insurance Specialist

profile photo

Scott Hershberger

Wealth Management Lending Officer, NMLS # 237553

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


Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. We help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. Our wealth management approach is about using wealth to help turn goals into reality.

Active Listening
At The Del Nero, Calbi & Abbate Wealth Management Group, clients provide a compass for our thinking. We are naturally curious and genuinely interested in what inspires clients. In each discussion, we ask questions that provoke consideration and conversation:  “How would you describe your greatest achievement? What do you envision five or ten years from now? And what do you expect from us?” By listening closely to what clients say in early meetings – and over the course of each relationship – we can help them pursue paths that may be uncommon, but ones that that bring meaning to their years of hard work and sacrifice.

Given the ambitious nature of clients, we know that new opportunities and obstacles invariably present themselves. That’s why we speak to clients on a regular basis. As proactive financial advisors, we also know that frequent contact allows for more open communication and timely problem solving. Having longtime relationships as colleagues – and with clients’ family members – helps us facilitate a natural collaboration that can lead to positive outcomes for retirement lifestyles and family legacies.

To help optimize results, after listening to clients, we consult with Merrill Lynch thought leadership, with specialists throughout our firm, and with clients’ CPAs and attorneys. Our deliberate approach allows us to align investment, tax minimization and estate planning strategies, and to save clients the time required to coordinate responsibilities and efforts. When it can benefit clients, we also provide access to residential, commercial, and securities-based lending through Bank of America, N.A.

Goals-Based Planning
While clients come to us with wealth, many wrestle with the right balance – for enjoying it, passing it along, or supporting a worthy cause. Some clients have also managed wealth on their own and require an added layer of sophistication and knowledge. Others are referred to us following divorce or the loss of a spouse – and can benefit from our “hands-on, hands-held” approach to helping them make informed decisions (rather than emotional ones).

At The Del Nero, Calbi & Abbate Wealth Management Group, we recognize that no two clients are alike – and that a cookie-cutter approach is never sufficient. Clients face formidable challenges – financial and personal. We see our roles as helping to simplify situations that may seem overwhelming and explaining strategies that are, in many cases, complex.

When asked about their lives, most clients tell us about their kids, whether they’re young, or raising children of their own. For this reason, initial discussions typically revolve around clients’ wishes for multi-generational wealth and appropriate estate-planning strategies. Inspired by clients’ stories, we work to establish a genuine level of trust. We also encourage other family members to get involved to the extent the client wishes.  

With personal experiences that mirror those of many clients, we can appreciate what keeps them up   nights and what gets them up each morning. From retirement and legacy planning, to tax minimization, business succession and cash management strategies, we enjoy helping clients take next steps – toward achieving “the goal of a lifetime” or one that just brings satisfaction and stability.

Results-Oriented Investing
At The Del Nero, Calbi & Abbate Wealth Management Group, we ask clients many questions. This allows us to optimally manage their assets with the minimal degree of risk needed, to help them achieve financial goals that are meaningful and achievable.

With decades of knowledge gained in the behavior of markets and investors, we find that a “top-down, macro view” gives us the best starting point to build each client’s portfolio. Experience reminds us that consistent, long-term performance comes from a disciplined approach in which our strategic and tactical allocations for each client are typically made across asset classes, sectors and borders.

In addition to Merrill Lynch research, our own risk parameters, and each client’s goals, investment timeline, risk tolerance and need for liquidity, we pay close attention to cost- and tax-efficiencies. In fact, we often structure clients’ retirement, college planning, cash flow, wealth preservation, and gifting strategies in concert with clients’ CPAs and attorneys, and specialists across our firm.

In everything we do, we aim to give clients every opportunity to use their wealth wisely. For most, that means growing and preserving assets (before they need to take income and even while doing so). We take our roles quite seriously. In striving toward superior wealth management, we maintain that meeting clients’ financial and personal goals are benchmarks for own own success.

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from 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.

Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
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 you stay on track to 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.

    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.

    Access to what you need, when you need it

    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

    • 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'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. Merrill Lynch Wealth Management 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

    There is no substitute for a one-on-one relationship with a Merrill Lynch financial advisor committed to your needs – a caring advisor who can leverage the investment insights of Merrill Lynch and access to the banking convenience of Bank of America to help clients face today’s financial and economic landscape. Let’s work together to help you achieve your goals.

    Why Merrill Lynch?

    As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to 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.

    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, 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.