Steven T. Merkel, CFP®, ChFC®, is a CERTIFIED FINANCIAL PLANNER™ professional with Ciccarelli Advisory Services, Inc. in Naples/Bonita Springs, Fla. Steve is a former U.S. Army air defense artillery officer and has been giving financial advice for more than 18 years. He holds the Series 6, 7, 63, 66, and life, health, & variable annuity licenses in addition to the CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Consultant® designations. Mr. Merkel has been featured and widely quoted in numerous publications including The New York Times, BusinessWeek, Entrepreneur, Consumer Reports, Investment News, Financial Planning Magazine and Fidelity's Stages Quarterly. He enjoys motocross, fishing, military history, Miami Hurricane football and spending time with his family & friends.